BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-26
Company: CarMax, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2021 i purchased 3 bags from a seller named XXXX who was on XXXX. i had purchased from her once before through XXXX and never had an issue. ( which now looking back i believe the first transaction went smoothly so i would trust her ) the total of the purchase made on XX/XX/XXXX was {$450.00}. it was agreed that i would send her a deposit of {$200.00} first ( which i did ) and she would then go to XXXX, pay for the shipping label and once she sent me proof of the label and the tracking number i would send her the remaining {$250.00} ( which i did ) i continued to check the tracking number for a week after our transaction and all it showed me was a label was created i reached out to XXXX a few days after it was supposed to ship and she told me to just wait for XXXX to update it. 
after 8 days with no update and no help from XXXX XXXX decided to call the XXXX store that was on the receipt she sent me. i told the lady what had happened and she said yes i remember her coming in here, the label she paid for is still sitting on my desk, she said she would be back and left with the bags i told this to XXXX to which she now admitted her friend was supposed to ship them out for her. she apparently didnt drop them off herself ( who even knows if thats true ) so i told her to either refund me or just ship me my bags. 
after a bit of back and forth she said she would refund half in 5 days and the rest a week after bc money was tight for her. 
well i never saw that money. the last time i reached out was XX/XX/XXXX and she has stopped answering me and even opening my messages. 
i contacted my bank and told them all of this. that i never received the goods i paid for. they denied it 3 times and i appealed each one with no luck. they barley asked for proof. 
the second time I appealed it they only asked for a tracking number which still clearly shows that a label was created and no further tracking or delivery ever happened. 
i have the conversations between me and XXXX. along with her agreeing to send me a refund and that the bags didnt get sent out. but i was never able to give that proof to my bank. 
i feel like they are not doing anything to help me and keep denying my case. they keep saying its a valid transaction which i believe is false. its not valid because i never received my items. 

below are the 2 separate disputes ( since it was 2 diff transactions - {$200.00} and {$250.00} ) also the tracking number, receipt from XXXX and the conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has reported this as a new debt and it is several years old. The information on my credit report is false

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 2015-07-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended the XXXX XXXX of XXXX and XXXX in XXXX Illinois. When I applied for student loans I was told my parents income was too high to qualify for federal loans, even though they were unable to help pay my college tuition, and was forced to take out Private Student Loans through XXXX XXXX. Upon graduating I was unable to repay the loans so I was forced to defer them. Eventually I began to make payments, around XXXX dollars a month. I have been paying the loans on time for over a year now and without warning they have now began taking an additional XXXX dollars out bringing my monthly payment to over XXXX dollars a month. When I called they told me it was because of added interest. When I tried to look into reducing my monthly amount they told me there was nothing they could do for me because I have cosigners. My cosigners are my grandparents, who are not able to help financially, nor would I expect them to, and my aunt who also is not able to help. They are unwilling to work with honest people who want to pay off their depts and continue to up the monthly payment without any type of warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage company is Shellpoint Mortgage Servicing, I contact your company with this problem before. I contact XXXX XXXX AND XXXX XXXX XXXX. They referred me to your company for help I am sending my regular payments. SHELLPOINT have added insurance and taxes to our payments. We have sent letters of confirmation from us and the insurance company showing we are paying out of pocket payments to a company. We pay our own taxes out of pocket also. Shellpoint is returning our monthly payments back to us to make it look like we are missing payments. The checks are returned with a red stamped O/N on it and a letter stated we are 90 days past due. We have sent this Mortgage Servicing Company proof of paymenst made. This Company continue to disregard our efforts to provide proof we are not 90 days behind because we not sending the payments it's because they are sending checks back to us. I have been dealing with this for over two years. If I can provide you with any information that will help me get this situation take care of. Please let me know. I can provide proof with bank institution and certified mail receipt with proof that we sent our payments. Thank you, we need help with getting this matter taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to sell my XXXX XXXX on XXXX! This person came to me to buy it, so she sent to me {$430.00} through venmo, but this money never dropped in my account. Then i received an email saying that i had to send more {$570.00} to upgrade my venmo account to a business account and then i could receive my money. I did it but when i found out it was a scam i already had sent the money and the watch!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: DE
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:
Equifax has incorrect inquiries on my report. ( XXXX ) XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX direct credit The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal.

They also violated the law because according to 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.

I did not give anyone written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ZARVAD III S.A.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company XXXX XXXX called my phone at all hours from different numbers and did not leave a message for me. They then called my boyfriend and his father to find me. I called them back and they stated they will be taking me to court for fraud if I dont pay back the debt owed, {$860.00}. They said I could pay it back in two payments but only from a debit card. I did not receive a loan for anywhere near that amount ( original loan was {$250.00} ). When I contacted mypaydayloan they said my account was given to another company. That company did not match the company who has been calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
It's coinbase account under review from XXXX of XXXX many times I make support ticket and after few days I got email your issue resolved but nothing changes still my account under review means I can't withdraw my money can't transfer my XXXX assets here are the support ticket numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: Goldstein, Cruise and Smith LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not the debtor. I am a 3rd party that received and inappropriate call. On XXXX/XXXX/2015 at XXXX eastern time, I received a voice mail from XXXX XXXX calling from pre litigation department on behalf of XXXX County for my ex husband. On my voicemail, XXXX left his last XXXX digits of his social, stated his license will be suspended for 180 days, and the legal process will start and fees will be tacked on to his account if he does not call. The phone number she called from is XXXX. With in minutes she called my ex husbands phone number and left the same message on his voice mail. On XXXX/XXXX/2015 at XXXX I called backed and I talked to a lady that stated she was XXXX. I indicated she is not allowed to leave this information on a voicemail or talk to a 3rd party about someone else 's debt without permission. She disagreed with me and said it was ok, and that the call was being taped. My ex husband have been divorced for over 7 years. Based on my understanding of the FDCPA her actions were in violation. I would ask that the company be contacted and cease phone calls to my phone number and discontinue disclosing personal information about people on 3rd party VM. Of note, the debt we think she is calling about was fraud that took place on his account years ago that we had taken care of with police reports and the proper paperwork.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Trademark Management Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
my mother is XXXX years of age and recently had a XXXX and XXXX XXXX. This company has continued to call and harass her concerning a debt. They have threatened to come to house and stated they with the Sheriffs Department and was coming to serve her for a debt. We have asked them numerous times to stop contacting her that her health is poor and she can not endure this type of stress any longer and has no income to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2019-02-27
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Trident Asset Management has been contacted on several occasions regarding a debt in the amount of {$140.00}. I was informed by XXXX in early XXXX that I do not have any past due bills/accounts with them. Therefore the collection account was removed from my credit report on XX/XX/XXXX. This account has re-appeared on my credit file as of the end of XXXX. I have sent numerous correspondence to Trident Asset Management regarding this negative account. In addition, they have failed to respond and update the account on my credit file as disputed. I am demanding for it to be removed as they have no proof that this account belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I were looking into purchasing a second home in XXXX, XXXX we were told by our mortgage broker that we were pre-approved up to {$220000.00}. 
At which point I asked for the pre approval letter and was given the run around by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Direct : ( XXXX ) XXXX Office : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX # XXXX, she told us she would send it to our realtor XXXX XXXX once we have chosen a property - which we did. XXXX XXXX XXXX also tells me she never received the pre-approval letter from the mortgage company. 
When we first applied for the loan we understood that our debt to income was high that we needed to pay off some bills - which we gladly did. As time went on she told us we needed to pay all pending debt which she knew we could n't do because if we did so we would not be able to afford this home. Her answer to me was " well I guess you 're going to lose your earnest money ''. My Husband " XXXX XXXX '' emailed her the following day ( this last Monday ) to see why the situation had changed - she never replied. 
I soon called XXXX XXXX XXXX and tried to get a loan through them and they said we simply did not qualify. Then I tried a second lender and got the same answer. 
Had I 'd been advised from the beginning that we did not qualify for the loan, we never would have paid {$20000.00}. in debt nor would we have flown up to XXXX ( and spent more money ) to look at homes. We are in the middle of trying to sell our current home in XXXX, XXXX and these funds could have been towards this. 
It seems to me that XXXX XXXX was just trying to make a quick buck! I do not understand how I can be pre-approved and then be rejected by all other lenders. This was extremely unethical and it is because of such business practices that we are in the shape we are in!!! 

Please help! 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I want to file a complaint regarding 2 missing house payments that are not being accounted for by my mortgage company. I did not miss any payments for XX/XX/XXXX until XX/XX/XXXX. I started getting behind on my payments XX/XX/XXXX. I missed XX/XX/XXXX and XX/XX/XXXX, then I started paying my house note on XX/XX/XXXX for {$5200.00}, paid {$5200.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5300.00} on XX/XX/XXXX, paid {$5100.00} on XXXX, paid {$360.00} on XX/XX/XXXX suspense shortage, paid XXXX on XX/XX/XXXX suspense shortage, paid {$12000.00} on XX/XX/XXXX, paid {$3000.00} on XX/XX/XXXX thru XX/XX/XXXX. I have paid a total of 9 months of payments to pay my house notes. XXXX XXXX XXXX XXXX is only accounting for XXXX payments which is incorrect. Please review all documentation enclosed. I have order a total print out from XXXX to clarify payments and other institutions. However all payments up to XX/XX/XXXX is on my account activity loan payments from Bayveiw Loan Servicing LLc. And all the payments from XX/XX/XXXX until XX/XX/XXXX I have. I am in the process of a loan modification that is approve on XX/XX/XXXX. However I donot want to close on it until this error on the monies paid are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit  report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.

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