BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: Carvana Group, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased the first vehicle from CARVANA LLC on or about XX/XX/2019 they sent me a 2015 XXXX Terrain when it arrived the gas tank would not fill up all the way. The battery would continuously die on startup. I had them replace it with their 7 day return policy. They then sent me a 2015 XXXX XXXX when I took it in for an oil change a severe oil leak was found. XXXX of XXXX NY found a bad O ring around the oil pan drain plug. Numerous dirty filters as well. I paid over {$200.00} which carvana claimed they would cover {$150.00} of. Now the car has become a serious safety risk after just having the used vehicle for just over 69 days. 
The vehicle refuses to accelerate upon entering the highway causing severe safety problems. 
The traction control light remains on affecting the breaking system The break lights remain on after turning the vehicle off. 

During purchase of the vehicle I was NOT offered an extended warranty after contacting Carvana LLC numerous times about these safety issue they had stated since I was outside of their XXXX  ( 100 day or 4189 mile ) warranty I was on my own. The supervisor XXXX did not and would not assist me. 

I would beg and plead for anyone reading this report to NOT purchase a vehicle from CARVANA LLC as their QC process is an absolute disgrace. Now I have to take the vehicle back to the mechanic and I was told it is most likely not covered under a power train warranty. This company has basically sold me 2 lemons and refused to assist me with this latest issue. I would advise anyone looking to purchase a used vehicle to go elsewhere as CARVANA LLC does NOT stand by it's customers even after just under 60 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: LA
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 was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. 

In XXXX I lost my job due to XXXX. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. 

Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. 

The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters to TransUnion disputing the Fraud public records on my report, each time I send in a letter asking them how this was verified they refuse to comply and sends out a copy of my report. Twice in the month of XX/XX/2020, I have sent FTC reports and police reports about the fraud public records and each time they send me a copy of my report, BUT never show me their method of verification. I also gone a step further and reached out to XXXX this year in XXXX and they sent me a copy of my report with them with NO public records found. I also know US courts does not give information to 3rd party agencies. So when I filed my police report to show proof this was fraud Transunion again failed to properly investigates those inaccurate public records. I have also sent a letter to the Attorney General to file a civil lawsuit because Transunion refuse to review my police report and thoroughly dispute. I have reached out to every 3rd party agency such XXXX, XXXX, XXXX, XXXX and all shows no reporting of public records.

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 2022-04-06
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XXXX, i requested a 10 day payoff figure from Hyundai finance for my automobile. A week later, having received no response, i contacted them again. On both occasions, they requested the last four digits of my SS # as well as my birth date to ensure I was the correct party. Instead, they sent me a secured message that provided me with the information for XXXX XXXX XXXX XXXX of XXXX XXXX, Ca.First, this is an unauthorized disclosure to me by Hyundai ; but, now I wonder whether or not they in fact sent my information to some other party making for another disclosure. 
The amazing part is they also asked for my e-mail. So, i do not comprehend how they made such a foul up. 
After receiving this incorrect information, I did call again and ask for a supervisor who really didn't seem concerned that this occurred.

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 2021-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly tried to get this account and inquiries deleted and XXXX has refused to do a proper investigation or pay me for continued violations per FCRA. I have submitted an identity theft report as well as documentation from the company. I have asked asked for validation of debt and I've yet to be provided anything. Target has continued to reage this account as they have admitted to in documentation provided. I have asked for proof and they have failed to provide any as I have provided documentation to these facts. I'm entitled to {$1000.00} per violation as I have been disputing this for over 18 months per CFPB and XXXX has failed to correct the problem yet has allowed Target to damage my credit. I have disputed the inquiries and I have submitted proof and they have failed to delete them despite the documentation provided. I'm entitled to {$8000.00} for the continued violations. Deleting the accounts and inquiries doesn't obsolete XXXX of the past violations and they must be held accountable. My complaint should be forwarded to the FTC as XXXX and Target are both liable and continue to violate the law. The account that should be deleted is Target as they have continued to reage this account, the payment history, date of last payment, first delinquency, the account doesn't belong to me. The inquiries are XXXX XXXX, XXXX, XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My prepaid Bank of America Debit card account was frozen 5 months and Im having a problem getting the account unfrozen even though Bank of America has sent me two letters stating that they are the ones who frozen the account and to contact them to unfreeze the account but are refusing to help me at all and they are basically keeping money that doesnt belong to them.

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 2021-01-03
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submitted a complaint to the FDIC on XX/XX/2020 against Citibank. The FDIC issued me a letter stating they were referring the complaint to you. I called the CFPB on XX/XX/2020 since I had not received any correspondence in regards to my complaint, and the phone agent I spoke with told me you never received anything from the FDIC. I contacted the FDIC to inform them of this, and was told they submitted the complaint to you on XX/XX/2020. When I told the FDIC that you never received anything from them, they suggested I submit a new complaint directly with the CFPB, and attach their letter indicating they had forwarded the complaint to you. You may want to look into why this correspondence was never received by the CFPB. Here is the nature of my complaint : On XX/XX/2020, I wrote a check out of my XXXX XXXX Account XXXX account # XXXX XXXX for {$50.00}. The bank where the check was deposited issued the depositor a letter stating the check was returned unpaid. I received no correspondence from Citibank that this check was returned unpaid, nor the reason it was unpaid. I attempted three times to contact Citibank to find out why this occurred. Every time I called, the overseas phone agents kept me on hold for long periods of time, after which they said they needed to transfer my call somewhere else. After this, my call was disconnected each time. Since I was unable to obtain any information by phone, I wrote a letter to Citibank on XX/XX/2020 asking for an explanation. It has been nearly seven weeks since I sent this letter, and still have not received a response.

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my third complaint on wells fargo. They are not answering my questions through here and keep closing the case. I am going to continue to file complaints until they are held responsible. They " suppressed '' reporting my vehicle payments on my credit until I had to extensively fight for it. And the still have no valid reason to why? Are banks not held accountable for this information any more? I am not taking either of their previous two responses as a answer. They ignored phone calls and written letters of mine. and only responded when I got the CFPB involved and they keep giving XXXX answers that are unexpectable. Why was the reporting withheld?! How can a company purposely harm a consumers credit and not be held responsible and not tell said consumer why? And avoid answering questions? 
NOTE previous two attempts to resolve this matter 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 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America account got compromised for my unemployment had to cancel the card due to it being the unemployment card I am not able to access my money I've been told but their representative different stories they can wire my money but they can charge me and they said they can't and they say to tell me go into a branch of to be able to receive my money and like 30 miles away oh no I can't get my money this has been since XX/XX/XXXX but ordered a card on that day to replace it since then they have ordered me two more and I have not seen no money I have borrowed I've pawned pond everything I own I'm about to go to a grocery store and still food to have something to it eatdifferent stories I'm here by who I am multiple times and multiple people I love how many times I have to verify myself how many people I have to talk to you this is nonsense and this is think of America I'd given up they have made this a nightmare now I will not receive a card until next Thursday or the Monday after that not this coming Thursday next Thursday this is a nightmare

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 2019-09-18
Company: Grant & Weber
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX GRANT & WEBER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GRANT & WEBER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1962 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2023-10-13
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX XXXX but my contract was between myself and XXXX XXXX, who I am in the process of entering into arbitration with. If CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) 's info in identity theft report attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I called XXXX XXXX to inquire about refinance options, the call was dropped before I could tell them my husband lost his job due to covid and I immediately got an alert from experian that XXXX XXXX pulled our credit and a mortgage application was started without our authorization. I immediately called Mr. XXXX back and filed a complaint, he acknowledged the illegal pull but has failed to fix it. I've called XXXX XXXX 15 times to fix this. I kept being told it will update from university on XX/XX/2021, but it has not!

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 2023-11-08
Company: Fairway Independent Mortgage Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
We requested to pay our mortgage bi-weekly. We were told they would mail the forms and we should mail them back. We did this. However, two weeks after mailing them we were told they had no received them. We were then told we could email them, which we did. Two days after we were told they had still not received them either via mail or email. This caused us to miss the window to start bi-weekly payments that month and we have still been unsuccessful in getting them to acknowledge receipt of our completed forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I sent EQUIFAX a certified letter asking them to remove the inquiries from both XXXX and XXXX and they still have not removed these fraudulent inquiries from my credit report. I also disputed XXXX other fraudulent inquiries at the same time which they deleted from my credit file but not these XXXX. No explanation was given to me as to why they did not remove these XXXX inquiries as I have proven to them they are fraudulent. XXXX even sent me a letter ( please see attachment ) informing me that they had reached out to EQUIFAX asking them to remove the fraudulent inquiry from my credit file and they obviously ignored XXXX. I sent this letter to EQUIFAX along with my identitytheft.org identity theft report and they did not follow the law and deleted these fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Block, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PLEASE HELP!!! 

CashApp Case # XXXX XXXX My CASHAPP card was stolen and used in two different establishments, on the same day, one after another. 
I reported this theft to CASHAPP immediately. 
I submitted a refund dispute for all three successful charges from both establishments. 

CASHAPP informed me that it would take 10 business days, in which they refunded me two of the three charges.

The two charges were the smaller amounts, but proceeded to wrongfully DENY the third charge, with no reason. 

I appealed it via phone with XXXX XXXX. 

XXXX told me that it would be another 10 days, it has now been well over 20 days, between 1st submission and appeal ; however they still have not refunded me my stolen funds and have been giving me a very difficult time in giving me a status update, as to why they still have not refunded me the third fraudulent transaction.

Company response to consumer: Closed with explanation