BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to bank of america at XXXX XXXX XXXX XXXX in XXXX SC to cash a check that was wrote out to a young lady that I was buying a truck and trailer from. The check was for XXXX and it was wrote out to her personally so I went to the bank with so I can pick up the equipment. The first day they said it was to late in the day and we had to come back tomorrow. The following day we went back to the bank and attempted to cash it again and the teller said no funds was available. I contacted the lien holder and they said no way there 's money in there. So the teller called her manager who name was XXXX she said oh the signatures do n't match what we have in the system. I called the lien holder again and XXXX the lien holder at XXXX XXXX said tell her to call me. I told her what she said and she called her manager which is over the bank. XXXX which is the branch manager said hold on, came back 20 minutes later and said, i 'm not calling nobody and I 'm not cashing the check end of story. We left and went to another Bank of america and the manager looked at the notes they put in the computer, laughed and told us to have a seat. He went to his office verified the check with the lien holder and cashed it. I feel I was discriminated against because the color of our skin. I contacted the manager over that county and she apologized to me saying the branch manager did n't know she can call the customer to verify the check. That 's a bunch of XXXX and she know it.

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 2020-01-06
Company: JTM Capital Management, LLC
State: MN
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 have a consumer debt with XXXX XXXX card that was charged off and sold prior to me being able to pay off to JTM Capital Management LLC at that time it was reported to my credit as a negative item, I contacted JTM Management to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against JTM Management and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for JTM Management and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: FL
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 have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.

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 2017-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XXXX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: VA
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 have tried twice through Equifax to get this debt from XXXX XXXX XXXXXXXX validated because i have never had any business connection to them. It states that they are collecting a bill for XXXX XXXX of XXXX from XXXX of 2016. Both times they return the bill as valid but no proof. I have XXXX service for the last 6 years and my XXXX service is over 10 to 15 years old. This is affecting my credit score and i want it removed. I believe this debt has been sold several times and XXXX refuses to send me any info validating the true debt. Balance {$490.00} Highest Balance {$490.00} Opened XXXX XXXX, 2016 ( 1 yr, 2 mos ) Account status open Type - Responsibility Individual Remarks Consumer disputes account information Original Creditor Name XXXX Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
I have sent several packages certified mail with the following documentation requesting my credit reporting statutes be enforced. 

My credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report Identity and FTC Affidavit. Proof of my identity and utility bill.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days Experian refused to block fraudulent items from my credit report. I also sent several emails to XXXX. Consumers credit reporting statutes must be enforced if sufficient information is provided. I have attached proof the items were delivered successfully and Experian just refuses to support my credit reporting statutes.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried repeatedly to get acccess to my credit report. All attempts have failed. The system does not recognize my user name, so I have it send it to my email. I then copy and paste it to avoid typos. The system says that is not my user name. I try my email. The system does not recognize it, although Experian sends me emails EVERY DAY. I try to change my pasword. Sometimes, I can, and then when I log in using that password, the system says it is wrong. I try calling. There is no way to reach a person. I finally got through to someone using the XXXX messages. She was unable to help She said it was forwarded to tech. They have failed to contact me. I am now blocked from commenting on their website. I see that many people are having this problem. It is a vey good way to make sure that people can not file disputes. In a previous complaint, Experian said they were sending the report. They did not. They lied to you. A paper copy of my report does not help if I can not get into the system to check my report and file disputes.I want access to my account. I want a phone number to call a person and not go through a lengthy process to get past a robot that fails to understand what I am saying. They have made contacting them IMPOSSIBLE.

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 2022-01-26
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$50.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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:
I HAVE NOTIFIED THE CREDIT REPORTING AGENCY Equifax THAT I AM THE VICTIM OF IDENTITY THEFT ON several OCCASIONS AND a fraudulent ACCOUNT REMAINS THE CREDIT REPORTING AGENCY Equifax IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX a non Chase ATM withdrawal was made for XXXX $ with additional XXXX $ fee plus another XXXX non chase atm fee was made without my knowledge. On XXXX XXXX i made a check deposit when i first became aware of that ATM withdrawal in addition to another new XXXX $ non chase ATM withdrawal with again XXXX fee plus another XXXX non chase atm fee. Both ATM transactions were not made by me. Nor did my debit card leave my possession. There was an address listed for one of the ATMs used on XXXX XXXX in an area i havent been to or around in years so i knew immediately something bad happened. I contacted the bank in store on XXXX XXXX and was immediately calmed and taken care of. In a few short days they credited my account back both amounts including the fees. I was extremely grateful and received a new debit card. I even had a really good idea where the credit card info had been taken from and passed that info along. i was sure it had been taken from a local taco truck that used a portable credit card scanner in which i punched in my pin number. Combining this info with the address of at least one of the ATMs i hoped maybe someone would even be caught. Much to my dismay and utter panic on XXXX XXXX both transactions were reversed and taken back out of my account. i felt as if i was robbed for a second time as i had been spending as if the money was there. i was devastated and called Chase where the informed me, Sorry the pin number was correct and both ATMs were within a certain mile range from my house so despite my claim they denied it and confiscated the money. This money is extremely important to me and losing it was crushing to me. I tried to escalate the matter with the claim department which led nowhere. i also went into a branch where the lady called and said they would re review the matter. Now a week later and they arent putting the money back. I provided them with good detail what i believed happened and the ATMs were listed on the statement. I feel extremely violated and discriminated against because i obviously dont have the money to fight Chase on this matter and they dont seem to care about me as a customer. I am heartbroken i 'm considered a liar and/or a thief. Neither of which is true. I beg you to please help seek a fair resolution to this matter and hope for another reversal of this claim. Thank you for your time and i am willing to provide or help in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
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: Their investigation did not fix an error on your report

Complaint:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$47000.00} ;

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 2022-01-26
Company: Experian Information Solutions Inc.
State: CO
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:
I have disputed and requested Experian to remove & delete accounts that do not belong to me. I have not received a debt of validation and their method of verification on the questioned account is listed below. 

- 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 explanation
Consumer complaint received 2017-07-23
Company: BB&T CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted to dispute Names, Addresses, & Employment on my credit report. They have refused to delete/remove incorrect information on my credit report. via letter & phone call.

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 2022-01-26
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
The following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX  XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).

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 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on XXXX and TransUnion. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.

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 2022-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: COAST PROFESSIONAL INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today X/XX/2017 at XXXX Coast Professional Inc , called my place of employment. I am not sure what the agency is or why they called my place of employment. They asked several people where I was.

Company response to consumer: Closed with explanation