BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX Acct # XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-20
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a threatening notice from Discover stating that they would in fact take legal action for alleged debt they claim I owe. I requested for said alleged debt to be proven by their corporation. Spoke to an agent and she in fact stated that legal action was being taken out on me. I informed the agent that their is no such actions that can be taken against me allegedly as they have to prove this alleged debt that I owe them. Along with failing to provide me all of the disclosures according to Regulation Z of the Truth in Lending Act, 15 USC 1603 - terms for " credit card '' for the purpose of obtaining money, property, labor, or services on credit. 
12 CFR 1022 Regulation V 18 USC 8 UCC 3-104 Negotiable Instrument Right to Rescind alleged contract. 

Discover has no lawful authority to harrass, coerce, nor threaten me for credits which it alleges that they extended to me. They need to prove that I XXXX XXXX entered into a lawful contract with them and that I owe said credits. My rights have been violated according to the Fair Consumer Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I previously had a home equity loan with XXXX XXXX ( XXXX XXXX XXXX ) that was discharged in Bankruptcy more than ten years ago. The loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 

XXXX wrote a letter ( see enclosed ) which supports my position. XXXX sent the letter to all three credit reporting companies recommending that they remove the account because the loan was discharged in bankruptcy more than ten years ago. Two of the three have complied. The remaining Experian has to date refused. I have called Experian a number of times and have even spoken to a manager. I have filed complaints through their website but to no avail. I sent Experian my bankruptcy papers the same papers I sent XXXX. The people at Experian seemed confused that XXXX XXXX was formerly XXXX XXXX, which is a well known fact that they changed their name of business. They seem confused that the loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 
I told them the whole things is wrong and should n't be there to please take it off. XXXX did as well. 
XXXX : XXXX XXXX XXXX Please, I am trying to purchase a home and this is adversely affecting my credit score and my ability to get better terms on a mortgage. Please have Experian remove this very old home equity loan that was discharged in bankruptcy more than ten years ago. Thank you very much. 
XXXX 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 non-monetary relief
Consumer complaint received 2022-08-14
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Said denied on loan mod due to investor said NOT MAKING ENOUGH MONEY ON LOAN? NEVER RECEVIED ANYTHING NEED COPIES OF IT, ORIGINAL LOAN DOCUMENTS NEED TO SEE and why not modified for XXXX  years at a RECOVER MODIFICATION! AND GOING XXXX NC XXXXXXXX XXXX XXXXXXXX will cover the difference, but need never received anything from the bank!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : I did not authorize Progressive Management System to access my medical records I never signed a hippa form. They violated my hippa rights. remove this immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: TX
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:
CRA VIOLATION INACCURATE NOT MINE OR NO KNOWLEDGE PLEASE REMOVE THE ITEMS SENT FTC AND PR

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I contacted Transunion, XXXX, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act Transunion, XXXX, and XXXX have violated my rights, 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX all dating from XX/XX/XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account in full and requested the account to be closed. This reflects on the credit report. 
After the account was closed, I was charged an Annual Fee on the account. I was unaware of this 'negative mark ' on my credit until I applied for a loan to purchase a home. I want to report fraud by XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We have filed a legal dispute with a timeshare company, XXXX XXXX XXXX ( XXXX  ), since XX/XX/XXXX, for fraudulently induced timeshare agreements on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX,. As of this date, XXXX has ignored all correspondence to Cease & Desist collection attempts and have made no attempts to resolve the issue allowing us to be released from the agreements. 
The accounts have been turned over to their XXXX XXXX, XXXX XXXX XXXX ( XXXX ), who in turn reported it to the credit bureau, Experian. This reporting has caused our credit score to tank. Experian is now reporting the accounts as closed with foreclosure proceedings started. 
It is our understanding that under the laws of the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX ( XXXX XXXX XXXX ) is unable to place derogatory credit information on their credit bureaus during this active dispute. In addition, any and all third-party collection and reporting activity is forbidden by the Fair Debt Collection Practices Act ( FDCPA ) of the Federal Trade Commission ( FTC ). 
We have repeatedly notified XXXX ( XXXX XXXX XXXX ) and Experian of their illegal activities and nothing has changed. 
We would like to have the money that we have paid into these agreements refunded and the derogatory credit reporting be removed.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: TX
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 did not consent to authorize nor Benefit from the following account ( s ). Block and Remove

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 2022-07-20
Company: EQUIFAX, INC.
State: TX
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:
I contacted XXXX, Equifax, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act XXXX, Equifax, and XXXX have violated my rights, 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  all dating from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby

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 2019-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Attempted to complete a VA Streamline IRRRL refinance for my home property. After receiving approval for the loan they provided disclosures with the new loan estimates and charges. I saw there was not a VA funding fee associated for VA home loans. I asked, deliberately, about the absence of this charge. The representative stated USAA were exempt of this charge by the Veterans Administration and did not have to apply this charge to its members, creating incentive for myself to pursue this loan. I asked again to confirm and the USAA representative went to confirm that this was valid by confirmation of her colleague and her direct manager. They also acknowledged this exemption to be true. As we approached closing, I did not receive final disclosures, which is not typical. I attempted to reach the processor who had been servicing me thus far, and she was not available. On her VM, she directed calls to another representative as she was out of office during the week. I could not reach said representative or a manager. This was XX/XX/XXXX. Closing was the next day XX/XX/XXXX. I did not receive a call back or any feedback prior to the notary coming. Upon signing I noticed more discrepencies and the notary informed me I have 5 days to cancel the transaction. For the time being I completed the signing and intended to correct or rectify the situation. During signing, I viewed new unpreviouslydisclosed charges ( One being VA Funding Fee ), improper deed recording information, and other concerning relevant transaction details. I again attempted to contact USAA the next business day XX/XX/XXXX, this morning, but a manager or  the previous processors were not available. I feel a compliant is most appropriate given what has transpired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been having a very hard and frustrating time trying to get my money back from Chime Bank after someone hacked and cleared my account on XX/XX/2022 with XXXX sperate transactions one for {$380.00} and other one for {$1300.00}. I have made several claims to chime to try to get this resolved and they have done nothing but denied my claims time and time again. I do not know what else to do with them they are a horrible company Bank to deal with. They have had me email several departments i call and they dont help they tell me to email the chime support team and they send me the same message saying We do not find that an error has occurred. We consider this matter closed. I have sent them photos and evidence to back this up and still get denied. I have made it clear from the moment it was charged that i did not authorize the transactions. I was hacked they were able to get into my account change the email and phone number to the account so i was unable to get back in it took me 6 days to be able to have acces to my account again since chime can only help by emails when I call they tell me to email. This has been a very big inconvenience Inhave kids and bills that i havnt paid to this day almost XXXX weeks later because of this. I hope yall can help me XXXX thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.

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 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.

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 2022-07-20
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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