BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: Navient Solutions, LLC.
State: FL
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 am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX  and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: United Student Aid (USA) Funds
State: FL
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 am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had XXXX XXXX at the house I was living in I couldn't even get service for XXXX XXXX in the town I was living in during XXXX or XXXX. I dont know where this debt came from or who it belongs to its very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even have access to get XXXX XXXX in the town I was living in during the date issued on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: FL
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 am extremely tired of Experian 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with Experian! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to Experian and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? Experian is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that Experian loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that Experian delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.

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 2018-02-20
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any notice of this debt. Yet it is on my credit report.

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 2021-02-24
Company: EQUIFAX, INC.
State: AZ
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:
Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. XXXX is reporting that it was opened on XXXX, and XXXX and Equifax have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and XXXX and Equifax are reporting that the payment status is unknown. Also, under the date last active, XXXX has that it was last active on XXXX, XXXX has that it was last active on XXXX, and Equifax has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: AES/PHEAA
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:
FEDERAL STUDENT LOANS are on only one credit report ( XXXX ) but has been removed from XXXX and XXXX. XXXX was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and XXXX has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Circle Internet Financial
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XX/XX/18 received {$20.00} in account, acct was placed in security review have yet to get my money XX/XX/18. 
They want my bank statements why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, Amerihome Mortgage, created an escrow account that was unauthorized by us. At no time did we ever give any consent for them to create this account. We initially took out a mortgage with them over a year ago with no escrow account. We would like to file a complaint before considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: FL
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeating phone calls to my home, asking for payment. I have told them I do not have an account with Wells Fargo and my birth date and social security number are different. Please stop calling me for collection. I was told they would stop, several times. I have received 27 more calls from Wells Fargo since XX/XX/2018 : ( from XXXX ) XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ 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 2021-02-23
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
What is this complaint about? 
Predatory Lending What type of problem are you having? 

I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 
They did not tell me that there is a daily interest rate and lied to me about the APR. 


What happened? 
I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 

What company is this complaint about? 

This complaint is about misleading financial practices of CarMax. They have taken the predatory lending tactics of XXXX a major business partner of theirs who was just sued by the attorney general and applied it to their financial model of predatory lending. 


Who are the people involved? 

XXXX XXXX CarMax Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am dealing with the company Portfolio Recovery Associates. They are attempting to collect on a debt that is not mine. I sent them a letter for VALIDATION asking for proof that I have a contract bearing my signature with their company.as I also asked them for documents to show what the money they say I owed them was for, how they calculated that amount. I asked for any and all evidence that they can provide. 



I asked for a validation with specific questions pertaining to validation, they did not respond to my letter as. I politely asked. They are reporting a fraudulent tradeline on my credit report that is impacting me severely during this Covid 19 epidemic. I am providing all documents to support my complaint. 

Portfolio Recovery Associates, LLC is a very nasty company that preys on hard working Americans and should be ashamed of the terrible things they are constantly doing to good citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX in NY XX/XX/XXXX and it was leased through Chase XXXX XXXX They 1 ) spelled my name wrong 2 ) never updated the lease payment in XX/XX/XXXX, when i Moved from NY to FL 3 ) even though I was paid in advance on my loan and always had a credit balance on my account, they reported to the agencies that I had missed a payment. 
I have tried to resolve this with Chase, and have not had success. My credit score went from the XXXX range to the XXXX 's because of their poor accounting. 
I have spent countless hours on the phone, as well as writing letters to the 3 credit bureaus for relief. I hope this is resolved and my credit is restored to its ' prior level. I am in the market to lease a car, and the lower score will probably affect the price that I pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX where I obtain a cashier 's check in the amount of {$14000.00}. 
I deposited into Bank of America that same day at Bank of America ATM .... I discovered MondayXX/XX/XXXX that there was a 10-day hold on this cashier 's check .... looking at the receipt it stated that the reason for the hole on the cashier 's check is because of a possible return. I call XXXX XXXX and they said it was an excessive amount of days to put a cashier 's check on hold because it's guaranteed and the money was definitely in my account when I got the cashier 's check drawn .... as a matter of fact they would have given me the cashier 's check had the funds not been available in my account. XXXX XXXX told me to tell Bank of America if they need to call and verify the funds do so and they would verify ... XXXX Bank of America would not call XXXX XXXX .... as a matter of fact I spoke with a supervisor by the name of XXXX who continuously told me that there was nothing Bank of America could do about holding this cashier 's check for 10 days I also spoke with a customer service rep by the name of XXXX who said the same, nothing they could do. 

I called one last time to Bank of America yesterday XX/XX/XXXX to confirm that they still would not take the whole off this cashier 's check because I have gotten behind in my bills I had very important Financial obligations I needed to take care of I lost out on a very good deal of an automobile I needed and they would not answer the phone ..so I called back again and I left my option in the automated system to get a call back in 30 minutes ... when they call back I press 1 to accept the call and the system hung up the phone ... I never got to speak anyone on the second attempt of confirming they were going to hold this cashier 's check another 3 days. 
I said to the supervisor why don't you put a disclosure note at the ATM machine about cashier 's check if you're going to hold them for 10 days ... .a cashier 's check is guaranteed.. in other words I truly believe discrimination here ... I am a XXXX man I have had more problems in Arizona than anywhere in the world and I've been over 45 different countries during my XXXX  career and not once have I experienced as much as I have here ... I would like the most firmest legal action taken for this matter that's possible. My

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 2021-02-23
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
UAS is attempting to say that I did not make a payment on my account for 3 months when there was a gap in my student loan forbearance. I have emails, screen shots, and payment confirmation showing that I did pay that amount. The emails also show that I spoke with them to make sure that when I paid the amount, my account would be current and my deferment would resume as I started graduate school. I have email payment confirmations showing that I made the payments they are referring to. They sent my account to collections now (XX/XX/XXXX ) saying I never paid back in XXXX, when we already resolved that issue. They refuse to take the account back from collection, therefore ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment was made on two accounts on XX/XX/21. 
The company agreed to settle the accounts and to remove both from my credit report. 
Both accounts are still open on my report, and the balances were only reduced by the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: MS
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:
I paid off my entire balance of {$310.00} with XXXX XXXX XXXX. The last payment I made was for the amount of {$1.00} on XX/XX/2020. However, Equifax has yet to update my balance to {$0.00}. It is now XX/XX/2020. I have called Equifax and they have not updated my credit report to reflect the {$0.00} balance. Equifax had me to dispute which I have done and the disputes always come back as my creditor reporting that everything is accurate. I have never skipped/missed a payment nor have I ever been late with any of my payments nor with any creditors. Furthermore, both XXXX  and XXXX  both have timely updated my credit report to reflect the {$0.00} balance and other on time payments made with other creditors. As a result of of Equifax 's actions my credit score has resulted in a minute increase to my credit score. Equifax also told me to contact my credit, XXXX XXXX XXXX, which I did. I was told by XXXX XXXX XXXX  that my balance indeed shows that {$0.00} and the entire balance was paid in full. I was also told by XXXX XXXX XXXX that they are not sure why Equifax is not updating consumers updated balances. In addition, XXXX XXXX XXXX stated to me that I wasn't the only one complaining and that other customers of theirs were also complaining to them about Equifax. XXXX XXXX XXXX  said that the only advice that he could give me was to give it some time. However, Equifax has not reported any further monthly on time payments with XXXX XXXX XXXX. I have made on time monthly payments continually. ( I last contacted XXXX XXXX XXXX  concerning my complaint with Equifax on Thursday, XX/XX/2020. I also contacted by phone Equifax on XX/XX/2020 concerning my complaint/ balance issue. I also informed them that I have since done disputes on their website with them to no avail. Equifax asked me to submit a copy of my license and social security card again to them. I refused due to me answering all of their security questions correctly and identifying myself with correctly with my most personal information. Not only that, I also already submitted this information to them previously by fax. I should not have to keep doing that. I personally feel as though I am having to prove who I am by disclosing my person information over and over. It is not fair for me to jump through hoops for them because they refuse to take care of what they should take care of on their end. All they need to do is that simply update my balance to {$0.00} and increase my credit score as they should have done. It is not right and they are clearly are in violation. Their practices not only affect me in a negative light with other potential creditors but also affect customers who expect them to be ethical in their practices. Thank you and have a great day. Take care.

Company response to consumer: Closed with explanation