BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a vehicle loan with CarMax Auto Finance. According to the statements I've received in the mail, it appears my last 2 payments have not been applied to my account. I would imagine protocol is the either apply the payments to my account OR return them. They have not been returned. I have attached screenshots as well as pictures of the receipts of the payments issued to CarMax. One screenshot is for a {$1200.00} payment I made via my mobile  banking app back on XX/XX/2020 - which was delivered to CarMax on XX/XX/2020. I've also attached a picture of the USPS money order receipts for the money order payments I mailed to the address listed on their website for mailed payments on XX/XX/2020 ( CarMax Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, IL, XXXX ). One is for {$1000.00} and the other is for {$400.00}. Again, it appears the online banking payment nor the mailed payments were applied to my account, and neither have been returned to me. CarMax has continuously harassed me with phone calls, where their agents allege they can not find the online banking payment I made, even after I provided them the transaction ID my bank gave me. They told me to communicate with my bank to trace the payment, and of course tell me every other word that " the vehicle can be picked up at any time. '' I already confirmed with my bank that the transaction ID is all CarMax needs to trace the payment, but again, their agents still claim to be unable to find the payment. The last agent I spoke with said she would try to track down the payment and I needed to call back in a few days. During this entire time, my mobile app and online account access have been suspended so I can no longer make payments with those methods ( like I normally do ). This makes it that much harder to see what I actually owe / owed and when. I do not trust what their telephone agents have told me, and any company that suspends online account access is clearly trying to cover something up. I believe they're intentionally " misplacing '' payments so as to continue to report negative information to the credit bureaus and tack on extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$3200.00}

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that USBK COURT EASTERN MICHI and or public records verified the account they are reporting is accurate.

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 2016-09-02
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been on the phone with American Express for over 4 hours this week. I signed up earlier this year for a credit card product that came with a {$450.00} annaula fee and I would receive XXXX points. I paid the annual fee, made the requite purchases to receive the XXXX points and American Express wo n't release the points to me. My account shows the points have been credited to me, but AmEx has somehow and for some internal reason put a freeze on the release of the points to me. Their product advertising is misleading and deceptive. 
Their customer service is unhelpful, and unable to come to a resolution. 
I was told by XXXX of their representatives that the points on my account could be released on XXXX XXXX. I asked what did meant, and I was advised that there was a XXXX week window after I met my minimum spending criteria. I then escalated my complaint to multiple supervisors and was advised of XXXX different dates for when my points would be available. There is no reasonable basis for my points to be frozen and will an upcoming trip, I ca n't access my points for the purpose for which I applied for the credit card. I 've been told by several different customer service reps that they ca n't escalate unfreezing my account/points. 
AMEX is willing to admit the many mistakes they made but will not rectify the situation with me. They are not offering me nothing but a {$50.00} statement credit. AMEX costing me time, money, and distress. I would like the release of my points ( per their own advertisements and promotions, an apology from AmEx and a refund of my {$450.00} annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Chase bank sent me a notice that they were closing all of my accounts. No reason was provided. I contacted the local branch and was told I needed to contact Chase at a 1-800 number provided to obtain a reason for the closure. I contacted that number and XX/XX/XXXX and XXXX and spent many hours on hold before being told that the accounts were being closed and no reason could be provided. They also said that the accounts would be closed on XX/XX/XXXX regardless of stay at home orders or my ability to access other banks. I escalated the issue to their executive office. After 13 days ( on XX/XX/XXXX ) they responded back that they would give no reason for the closure of the accounts, but would extend the closure date by 30 days. I specifically asked if they could give a reason for the closures that was not based upon discriminatory intent and they said that they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: U.S. BANCORP
State: IL
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:
In XXXX I called US Bank ( the mortgage holder ) to obtain the amount needed to pay off the loan. They provided me the amount and I submitted a payment for that amount. They stated it would take 10 business days to complete the transaction. When I called two weeks later they said that they had not processed the payment and it was sent back due to it being partial and not reflecting the full loan payoff amount. I let them know that I paid the amount I was given AND asked why they wouldnt accept that amount toward the loan and allow me to pay the remainder? They could not answer that. I then cancelled and submitted the payment again ( with the new payoff amount they provided ). Because of this the second payoff attempt, that US bank accepted, was finalized in XXXX. US Bank has reported the XXXX payment as delinquent despite their decision to reject/ not process the first payoff made in XXXX. I have never had a delinquent payment on this account, for the 2+ years Ive had this loan. The only reason the payment was not made in XXXX was because US Bank elected not to accept the payment, which they did not notify me of until I called to inquire. Additionally Ive spoken to US Bank representatives that they themselves did not know partial payments would be sent back. Ive had no luck with getting anywhere with US Bank but do not believe this should be reported as a delinquent payment since had US Bank not rejected a funded payment in XXXX, this would not have been the case.

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 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America XXXX is reporting inaccurate late payments on my credit file that is negatively impacting my scores.I have sent letters to Bank of america in XXXX and XXXX and they have yet to respond with a resolution. My payment history needs to be reviewed and corrected immediately!!

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 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2016 CFPB : Bank of America refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 2022-05-13
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: Information belongs to someone else

Complaint:
Inaccurate and false information is being reported on my credit report. I never authorized the inquires and Experian and XXXX have both neglected and refused to remove the fraudulent inquires being reported on my credit. Company XXXX reflects on my Experian account and I have never authorized XXXX to access my credit report. Company XXXX reflects on my XXXX account and I have never authorized XXXX to access 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 non-monetary relief
Consumer complaint received 2020-04-15
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The below complaint was submitted to CFPB on XX/XX/XXXX, a reply was provided today on XX/XX/XXXX, unable to view the response from Wells Fargo as the file will not view or download on my end ... .The same issue occurred to a prior complaint, reply unable to view or download.. The complaint is regarding a fraud check cashed in my name, funds not received, the amount of which is {$5100.00}. An affidavit was sent in to fraud as well as copy of check, XXXX in fraud investigations reached out wanting to know details of check such as why it was issued and amount. I requested XXXX XXXX, rep I am working with in mediation, reach out to XXXX which he did and have not received any offer info to date.. XXXX 's last email reply stated investigation was sent back to fraud as of yesterday, XX/XX/XXXX, no other info. I do not know what is going on, however, I did not receive funds from check and needs to be reissued.

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 2015-10-23
Company: Empowerment Ventures, LLC
State: IA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Company tried to launch new services and it failed. Ca n't access money. Ca n't even get through to talk to anyone. After prompts the phone hangs up on second ring. Ordered new card paid {$30.00} to have 2 day delivery, still nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below HAS VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  My current address is XXXX XXXX XXXX XXXX IL XXXX all other addresses are incorrect and invalid as they are not accessible to me. All other addresses being reported is a violation of my federally protected consumer rights to privacy as well. 

VIOLATIONS 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
With capital One Bass Pro shop card I have made XXXX consecutive payments that have been posted to the account and each one has been met with a minimum of a XXXX XXXX XXXX day hold. The only reason Im given is because the federal government allows us to do that. When in actuality I have made payments either on time or a little before theyre due I have had XXXX canceled payments and yet I am having to wait XXXX XXXX XXXX  days after payment is made for it to reflect on the card I have already stated that my next step is to call and place a complaint with the department XXXX XXXX department XXXX XXXX in the federal trade commission as to fraudulent activity against a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They reported a debt to the credit reporting agency without contacting me. So I called the number I got off my credit report. Although they had correct address they refused to send me out any info. Or give info. So I can dispute transaction. Then although refusing to send me any notices They say all they can do is send me final bill. What good is final bill when that is what I'm disputing and the fact company says I had a contract with them when I didnt. They refuse to send anything proving how they got final bill amounts. They repeatedly state that the final bill is the only documentation they need to prove I owe that amount. But anyone can put any amount on a final bill and claim you owe them because that's what they decide you owe them even if it is an amount you never agreed to. 
And because they refuse to send out written documentation how can I dispute anything when they refuse to send me anything about debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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:
INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that XXXX XXXX XXXX XXXX and or public records verified the account they are reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Sequium Asset Solutions, LLC
State: IL
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:
On XX/XX/XXXX I cancelled my account with XXXX XXXX XXXX for our mobile phones. I had switched over to XXXX. My bill had auto paid to XXXX XXXX XXXX for 1 month in advance on XX/XX/XXXX XXXX XXXX XXXX when i called and cancelled on XX/XX/XXXX said they would refund all of my money. 
I told XXXX XXXX XXXX that I had used 8 days of service and not to refund all of the month I had paid in advance only the what I had not used. They said they always refund the entire bill. 
This went on for 3 months. I would call every month. Then I received a bill for {$190.00} and I called again. XXXX XXXX XXXX said I only owed {$48.00} for the 8 days I had used their services and they did not show a bill for {$190.00} This was on a recorded line by XXXX XXXX XXXX and I said you are sure you do not show {$190.00} you only show I owe {$48.00} and they said yes. I agree and Paid the {$48.00} Then the next month I received a collection notice from Sequim Asset Solutions for {$130.00} the balance of the {$190.00} that XXXX XXXX XXXX said I did not owe. I called Sequim and explained the whole situation to them and they would not listen. I do not owe this bill. I then contacted XXXX XXXX XXXX XXXX XXXX and XXXX took this off of my credit report. XXXX  did not and said that Sequim said I owed the bill. Which I DO NOT OWE. Now a different collection company is calling me XXXX XXXX XXXX  Now Sequim does not even have this account anymore and is still reporting on my credit report. Of which again, I had paid this bill in full to XXXX XXXX XXXX. Please help me to get this off of the XXXX credit report I have also tried to contact XXXX   again and I can not get through to them via phone. I have mailed another letter to them. My credit was perfect until this was reported and should not be reported. I w paid my bill in full. I DO NOT OWE XXXX or XXXX anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was in school right up until I joined the military in 2013. For the past three years I have tried to get my loan payments form Navient and Nelnet lowered and each year each company told me I did n't qualify and I had to pay back or do a military deferment. My bills would be over {$1200.00} a month and they knew I was military. In the past couple of weeks, I discovered I do in fact qualify to have them lowered and written off after 10 years of good payments but not before they added more and more interest to each and I found it out on my own. Public service does include military, do not let them tell you that it does n't. Cost me big time! 

I attended XXXX XXXX and XXXX XXXX in MN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to dispute with collection agency. Information on all XXXX Credit Reports does not match. Date opened on XXXX shows XX/XX/XXXX, while XXXX and XXXX show an opened date of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX is {$0.00}, While XXXX and XXXX is {$600.00} Credit limit on XXXX is showing {$300.00}, while XXXX and XXXX show $ XXXX last active on XXXX and XXXX show XX/XX/XXXX, XXXX shows a date of XX/XX/XXXX as Last active. How can there be a a large gap between 2 bureaus. 
Date of last payment on XXXX and XXXX show XX/XX/XXXX, While XXXX shows date of last payment as XXXX.I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately XXXX As it has a detrimental effect on my credit and due to the fact it is not being reported accurately, it should 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation