BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Background : New Res Shellpoint Mtg took over the mortgage servicing of our loan from XXXX XXXX XXXX when we file for Chapter XXXX Bankruptcy protection on XX/XX/XXXX. We were behind on payments and included them in our plan. 

When the loan was transferred from XXXX  XXXX XXXX to Shellpoint on XX/XX/XXXX. Either XXXX  XXXX XXXX or Shellpoint didn't record our payment of {$3500.00} which was paid on XX/XX/XXXX electronically posted according to XXXX XXXX. 

This threw our payment history off for years. Until Congress passed the Morgage Servicing Act in April of 2018, I was unaware there was an issue. 

Finally after years and having to retain an attorney, Shellpoint found the payment. After weeks on end of calling, emailing, and being placed on hold. 

My Chapter XXXX Bankruptcy was discharged, XX/XX/XXXX Problem # 1, The Shellpoint Statements have been misstated since they began serving the loan. This affects our ability to provide documentation in order to refinance our loan. We are currently paying a high-interest rate. This materially impacts us financially because it is difficult to prove we have paid 12 months on time according to Shellpoint. 

I am trying to refinance and found out today, XX/XX/XXXX. Shellpoint has been reporting some of my loan payments as delinquent during active bankruptcy. According to my understanding, this is not legal. This also has a material effect on my husbands and my credit scores. 

We will be paying a higher interest rate to refinance due to their inability to service the loan properly. We have worked hard for ( 5 ) year only to deal with this issue, ugh ....

I have exhausted my patience. I didn't want to complain. I have spent years trying to straighten issues out with Shellpoint. I have spent hours on hold. Been hung upon. They rarely respond even after my Chapter XXXX Attorney gave them permission. It took them over two years to correct my statements. I provided a printout of all posted checks from XXXX and it still took them years. 

Finally, our XX/XX/XXXX Statement from Shellpoint indicates they are Charging me {$250.00} for my bankruptcy discharge. I have asked repeatedly, by what authority or agreement do they have the authority to arbitrarily charge me {$250.00} for ( Legal Fees ). I had no agreement with Shellpoint and this was not agreed to in our Chapter XXXX agreement. 

This is the worst company I have ever worked with. Our 2nd Mortgage Company is with XXXX now XXXX. We have had NO problem with them, their statement, or been arbitrarily charged legal fees when our Chapter XXXX was discharged. HELP

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon my enrollment in Autopay on XXXX in XX/XX/2021 the website was showing " AutoPay Active '' with a green checkmark. In XXXX my vehicle was repossessed due to AutoPay not charging my account as intended. Upon my inquiry with XXXX, I was told that the AutoPay won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to AutoPay on my account. 

I have paid late fees multiple times due to AutoPay not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in AutoPay again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX XXXX  AutoPay being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this compnay sent me information to verify debt and it si on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mother is getting her credit score affected when I was told by Navient 's Advocate 's office that they would not be reporting on her credit record as we are currently discussing recalculation of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Back in February I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl XX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run XXXX different times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Account Management Resources
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account shows as a charge off paid account. This information is incorrect. I have contacted this company several times regarding this matter. And no one is willing to help assist me in correcting the information. 

It is listed as a loan which is inaccurate. It shows as a charge off which is inaccurate. It states that this account was closed on XX/XX/2021 which is also incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I submitted my first complaint on on XXXX. 

" I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company. '' I got a response on on XX/XX/16, but it does not help with answering my questions. I need to speak with a customer representative, and the response I got was " XXXX XXXX may contact ChexSystems by telephone at XXXX and select other options to speak with a representative. '' Please note I called that number, and there was no option to select " other options. '' I am still unable to speak with a real human being. I would like to speak with a real human from ChexSystems please. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Synergetic Communication Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan from XXXX XXXX XXXX in person located in XXXX, Wi. Shortly after I took the loan I became unable to pay them. This first started harrassing phone calls from them it got so bad I had to reach out to someone to have them quit calling me and they stopped, then they called me by phone again after they were told to stop either by your company or another consumer place I am unsure on who helped me get them to stop calling. 

So, a few years after all the calling went away I received a paper in the mail that said I could pay them off for a lesser amount then I had taken out ( a settlement offer from a company they hired to collect the debt from me ). I finally had some money to use towards debt and paid the amount offered in the settlement letter in the amount of {$210.00} I still have the document and the confirmation number as well as the person that took the payment and told me that this debt would be removed from my account within 30 days. 

About a week after I paid the debt in full as offered by the company XXXX XXXX XXXX hired to collect from me all of a sudden I started getting new amnts owed put on to my credit report from XXXX XXXX XXXX saying I wowed them XXXX plus dollars and making my credit score fall low i did a dispute and asked the credit Experian to have them remove that from my report because I have paid them in full. It was removed, less then a week later here XXXX XXXX XXXX comes again adding comments and dollar amounts to my credit report after they were told by credit Experian to remove the dollar amount this has gone on for almost 4 months because they keep adding comments and dollar amounts to my credit report my score is falling and i and my elderly mother are facing homelessness because my score keeps getting knocked down we are trying to find a place to live because my landlord has to sell his home and every single time i dispute XXXX XXXX XXXX they are told to take it down off my credit and then less then a week later that back at it again. This needs to stop and XXXX XXXX XXXX needs to be penalized I will take this matter to court if I have to I've reached out to the better business bearua, credit bureau, and the do not disturb phone line and I still keep getting harrased and threatened with dollar amount I do not owe. Total debt i owed was XXXX and I took the offer they asked the collection agency to offer me and I'm still being harrasssed. their has to be laws against this behavior especially being able to get into my credit report and contiounsly add things i have disputed this matter with the credit places XXXX, XXXX. at least 20 times... ..20 times!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: ROBINHOOD MARKETS INC.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited money into Robinhood ( securities company to trade stocks etc. ) from bank account A. Some time period later I attempted to withdraw funds from my account into bank account B. I've had bank account B attached to my Robinhood account for years and have withdrawn funds several times, perhaps a dozen, with no issue. This time I receive an error indicating that I can not withdraw funds to this account. I complain to the support desk to which they respond that Robinhood has a policy that if funds are deposited from one bank then there is a 60 day holding period and funds may only be withdrawn back to that account. After 60 days funds can be withdrawn to any account. Robinhood offered to process the transfer manually however they require me to describe why I want to withdraw the money to a different account, send in my photo ID, and send in PDF copies of all my bank statements and after that they'll complete my transfer. I verified my photo i.d . with but told them I am unwilling to send in unredacted and unencrypted bank statements ( leaving myself liable to potential fraud ), it's not as if i'm applying for a loan or line of credit, and that I only want to withdraw my money into my account which, again, has been established and used for years with no issue. Robinhood refuses to accommodate my withdrawal request without adherence to their policies and are enforcing a 60 day hold period of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Citicard credit card for years. I always got my statements by mail. I stopped using this card when I got a better offer from XXXX. At the same time I stopped using this card [ but still had it active ], Citicards changed my billing statement to electronic without my knowledge or consent. This led to numerous penalties that I was unaware of. When I finally learned of these charges, I paid the card off completely and ended the account. Then three or more months later I get a call from them telling me I still owed new charges for late fee penalties. 

This is a VERY SLICK SCAM, and I realize how hard it will be to catch them at it. But it is clear they could easily make millions of dollars running it. And I am sick how the Republicans are trying to end or defund you guys. There is absolutely no way for me alone to do anything about this and it is too small of amount to even try. But I suspect it is criminal fraud. good luck trying to catch them! 

The reason I have not included my account number is that I ended this account some months ago and threw away my cards. I am not a great record record keeper but probably could get my account number from the bank where I wrote my checks from. Citicards will only give me my last 4 digits on the phone. I am happy to help with more details if you want to pursue this. I fully realize how hard this will be to catch them. They can say I gave approval to do electronic statements and it is my word against theirs. There is no way I would have approved that as I do not trust emails to not end up in the junk file and me missing them. As I said, I just have a small hope that this complaint will start an investigation into this petty fraud which would end up with them making millions of dollars in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out XXXX XXXX XXXX in XXXX of XXXX. Prior to moving out, I called the office back in XXXX of XXXX to make sure I was good to go and did not have any outstanding balances, they told me I was fine and could move out. They did not inform me of any balance on my account then, or anytime after I moved out. 

Fast forward to XX/XX/XXXX, I see XXXX XXXX XXXX has sent a bill of {$180.00} to NATIONAL CREDIT SYSTEM, however I was NEVER notified of this. To this day, I have not received a single letter, email, or phone call from either creditor notifying me of this debt. I found out because it is now reflecting negatively on my credit. 

By not notifying me of this and sending the debt directly to collections, they are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have included an email from XXXX XXXX I received after a phone call with them on XX/XX/XXXX, where they admit they " mixed '' things up, meaning they did not notify me of this balance or debt previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax cyberattack. " Based on the information provided, we believe that your personal information may have been impacted by this incident ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Kingston Data & Credit International Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report as I do on a monthly basis, I noticed on XX/XX/XXXX new activity in the form of a collection from KINGSTON DATA & CREDIT INTERNATIONAL INC . Puzzled as to why negative information could be reporting on my XXXX  Report, I found out the original creditor was XXXXXXXX XXXX XXXXXXXX and the negative info was associated from an old Gym membership which has not been active for more than 4 years. In XXXX of XXXX I contacted and had a lengthy conversation with my local XXXX XXXX XXXX and expressed that I wished to cancel my membership. I explained that I had to abruptly leave the country for work and was told by the XXXX XXXX employee that because of my situation she would accept cancellation by phone. I provided my contact info, and date of birth and the employee said she would initiate the cancelation and send me confirmation to my email. Following that day in XXXX of XXXX, I had not received any notification of a balance owed. No attempt was made in any form from XXXX XXXX to contact me within a 4 year period to inform me that any balance was owed or a contract was left unsatisfactory. Upon discovering the collection from Kingston Data, I requested documentation verifying the outstanding debt but nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to report Equifax for their lax data security. My personal information was stolen in the massive 2017 breach of their systems. Not only was their data security insufficient, they did not release the information of the breach for months after it occurred. Finally, when signing up for their credit monitoring service I discovered afterward that doing so apparently waves the right to any class-action lawsuit or individual lawsuit as a part of clicking yes. No where was it made clear before clicking accept that I was giving up those rights and I certainly would not have accepted had I known what I was giving up. All of this clearly indicates a company who is unwilling or unable to ensure the security of the immensely important information that they store and who is more than willing to cover their failures up and then XXXX the consumer by immediately tricking them into opting out of any lawsuit.

Company response to consumer: Closed with explanation