BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
As a federally protected consumer, I understand that credit is defined as the right granted by a creditor as listed in the definition ( 15USC 1602 ( f ) of the consumer credit protection laws. I also understand that 15 USC 1602 ( g ) of that same subchapter, defines a creditor as a natural person who can regularly extend credit as well as the person from whom the debt arises, therefore I am the creditor who has these rights. 

I was unfairly discriminated against by Carmax who has deceptively listed themselves as the creditor and I am referencing the denial letter as proof. This denial notice constitutes an adverse action ( 15 USC 1691 ( 6 ) ) that was taken against me while I, in good faith, was exercising my right to extend credit for personal, family and household uses. This adverse action also constitutes discriminiation based upon 15 USC 1691a ( 3 ). 

I am aware that Carmax has not only deprived me of my rights under the color of law ( 18 USC 242 ) but also has conspired against my rights ( 18 USC 241 ). 

I am aware that a credit application is not only a financial asset 12 CFR 360.6, but it is also self liquidating paper ( 17 CFR 260.11b-6 ) which means it can be monetized. 
Essentially Carmax has fraudulently profited from the personal information that was submitted in good faith, and is using it to profit financially, which is also the definition of identity theft found in 15 U.S. Code 1681a ( 3 ). 

Carmax was able to gain financially from behaving indecently and with dishonor. These blatant and disrespectful proves some of the many ways Carmax is acting above the law and without respect for the standards, regulations and laws in place to ensure fair and equal treatment of the consumer. This transaction has been incredibly one-sided and I have received nothing in return except disappointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: DISCOVER BANK
State: GA
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: Problem with personal statement of dispute

Complaint:
I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: AL
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 contacted Equifax and explained my reason for contacting them. The representative told me that I needed to send in an FTC report and a form of ID, which I did & nothing has been done to fix my credit report. There are a few fraud inquires that I requested deleted but they are still there. Please delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I read that you have recently completed a lawsuit against XXXX and believe I should be one of the students whose balance should be forgiven under that lawsuit. I graduated from University of XXXX in XXXX with XXXX student loans. I paid off my small XXXX loan fairly quickly. The XXXX Federal Subsidized and Unsubsidized loans were for about {$83000.00} at that time and were with XXXX XXXX. I was counselled to consolidate the loans, which led to them getting BIGGER- they went up to {$87000.00}. I became deathly ill in XX/XX/XXXX and was hospitalized for 6 months. At that time the loan balance was at {$72000.00}, as far as I can tell ( it is hard to get reliable records from XXXX going back that far ). While I was in the hospital my XXXX XXXX XXXX mother contacted the loan company on my behalf and was counselled to put me in forbearance. It took me several years to recover and get back to work, during which time the interest accrued on the loans. When I started full payments again in XXXX the balance was at about {$89000.00} ( I don't have an actual record of what they say I owed at that time ). I am now XXXX years old and trying to retire and I have been paying on this student loan for 22 years. I have paid over {$100000.00} and still owe {$45000.00} in accrued interest. This interest accrued during my illness due to the forbearance. Had my mother been told the results of her decision, we could have come up with a way to continue paying the loan and avoiding all this excess. However, neither my mother nor I had any idea there was any hope of an alternative that could avoid this disaster being piled upon the disaster of all those years of XXXX. Furthermore, through the intervention of my Congressional Representative 's office, I have talked extensively to XXXX who took over the loan in XXXX, trying to XXXX get full records of the loan since its inception, XXXX get a clear explanation of how interest was figured on the loan, since sometimes the interest payments got bigger instead of smaller, and XXXX where {$900.00} worth of payments I had made over a 9 month period in XXXX had gone, as I couldn't find them on the documents Navient finally sent me. After several months I believe it was resolved that the {$900.00} was correctly applied, but questions XXXX and XXXX never got properly answered. 

The bottom line is I have paid off the loan WITH INTEREST and now only owe interest that accrued because of bad advice that my mother received to get a forbearance that led to the loan ballooning while I was ill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Starting XX/XX/XXXX I started getting monthly maintenance fees for 25  dollars against my checking account. Another one showed up XX/XX/XXXX. I have met the requirements for balance minimum according to the terms I originally agreed to. Those terms have not changed and my bank is stealing {$25.00} from my checking account each month. They removed 2 but now another one has shown up on XX/XX/XXXX. So Bank of America feels it appropriate to steal from its clients. I want double my money back just for the inconvenience. They make it near impossible to resolve the issue when calling in forcing you to repeatedly say customer service to get past the bot. They make it hard for me all the while they should be fixing the problem for 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 monetary relief
Consumer complaint received 2020-06-12
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account balance is not correct My credit report showed past due but it is current The company posted a remark on my credit report saying affected by natural disaster because I requested extension because of the coronavirus pandemic and I need to be removed from my credit report it affected my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promotional email informing me I would receive bonus points if I used automatic debit/credits and online bill pay. The points owed for the bill pay were never applied. A visit to a branch was unable to resolve this and I had to get on the phone. The representative informed me I was ineligible on a technicality that was not outlined anywhere in the promotion. I submitted the email promotion and email with support on the topic both of which substantiate what steps I needed to take to be eligible. After 11 days I emailed back to request a status update. The next day I called again and was told it would be another XXXX3 business days before I receive a response. The points were due over a months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: GA
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:
Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ).

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Consumer Financial Services Solutions, Inc.
State: MO
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:
Beyond Finance, Inc. promised to negotiate the settlement of my credit card accounts that qualified for the credit reduction program, which I enrolled in XX/XX/2019. After 19 months in the program, only one debt had been settled and paid off. After {$5500.00} I still did not get the settlement on all 8 accounts. 

The company is using deceptive practices. I have contacted the company numerous times, only to get the runaround. I filed with Missouri Attorney General XXXXonsumer Protection Division, who sought to mitigate the process, but also got the run around until they recommend me suing them in small claims court or retain an attorney. 

The company ruined my credit, prior to joining the program I had not missed any payments on my credit card accounts. I was asked to miss 3 payments and my credit will be restored after 4 months. the missed payments were to be eligible for the program, only to find out that the company ( Beyond Finance ) only sought to settle the accounts after they had been charged off and interest and fees increase their percentage on recovery. AA total scram.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is a follow up to my Key Bank dispute. I forgot to mention that you said I confirmed XXXX transactions on XXXX XXXX??? You may have gotten a phone call but I can tell you it WAS NOT ME that called you! I have never spoken with you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
While in XXXX, I trusted someone ( agent ) to take care of my property until I was released from XXXX, but believing I'd never get out, she betrayed my trust and committed fraud by using XXXX to transfer and embezzle all of my VA XXXX payments from my USAA Bank Account! A total of over {$25000.00}! She also used my credit cards, debit cards without my permission for her own bills and expenses. etc. She overdrew my accounts causing fees and closure! I was just XXXX of XXXX XXXX last week and released. However, I'm in deep debt, homeless, XXXX, and XXXX due to my bank fraud department allowing all my only source of income to be fraudulently stolen while I was in XXXX  and blaming ME! I wrote my bank letters about the suspected fraud since 2019, but was ignored. They don't care! And they advertise being a bank that cares & serves the nation 's veterans/heros! They have not. Please, HELP! : I have all my bank statements. I can't even afford a lawyer ... 

She thought I'd never get out of XXXX. and sent me a very nasty letter in XX/XX/2019, same month the fraud began! She said, " Nothing you can do about it since you're in XXXX! '' Bank statements prove she used XXXX to transfer in her name!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.

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 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, Transunion, LLC and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..

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 2022-01-30
Company: Experian Information Solutions Inc.
State: GA
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:
Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, XXXX, XXXX and Experian XXXXnformation Solutions , Inc. et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XXXX XXXX XXXX  ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..

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