BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In late XXXX XXXX XXXX  after login in on my Carvana account I noticed that XXXX vehicle was not appearing on my dashboard as if I did not own the car, even though I have documents that shows that the vehicle was signed over to me. I was able to get in contact with a representative from the executive resolution team about the issue. It was stated by the representative that there was an error on Carvana 's end and did not know how this issue happened. Days later some how the vehicle was back registered under my name without me signing any new documents/contracts agreeing to a reinstate the contract. Is it legal to reinstated a vehicle in my name without my consent to reinstate. After facing this issue I was not planning on reinstating the vehicle in my name, however it was done so without my consent to reinstate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX acct # XXXX {$530.00} reporting as open account and collection account, XXXX XXXX XXXX, acct # XXXX {$750.00} reporting as open and collections account. XXXX XXXX XXXX acct # XXXX {$470.00}, XXXX XXXX XXXX acct # XXXX $ XXXX acct XXXX XXXX {$500.00}, XXXX XXXX XXXX acct XXXX XXXX {$470.00}, reporting as open and collection account., XXXX XXXX XXXX  acct # XXXX {$390.00}, According to law 15 US Code 1681-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30- day period beginning on the which the agency receives the notice of the dispute from the consumer or reseller.

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 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
OnXX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find TransUnion and XXXX  had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with TransUnion on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX it would have been confirmed. I was not able to submit a dispute with 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 2023-10-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent NFCU a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to NFCU and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MS
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:
The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 we received a letter from the County of XXXX XXXX XXXX Tax Collector notifying us that we owed {$6900.00} in past due property taxes. We were perplexed since we have an impound account and our mortgage company PHH Mortgage is supposed to be paying them. Since XX/XX/XXXX, we have spoken to customer service at PHH 4 times, we have faxed a letter with the bill from the county 3 times and have emailed them twice. We can't talk to anyone in the tax department, and customer service has told us various things : that they mailed {$500.00} to the wrong county ( XXXX XXXX ) and were waiting for the money to come back ; on XX/XX/XXXX they told me they had mailed {$2900.00} to XXXX County ( XXXX County Tax acessor never received it ) ; Customer service has promised they will have the PHH tax department call the county directly and then call me, and they have done neither. Every time we call customer service we speak with a nice person with a foreign accent who can't locate our numerous faxes and promises to have the tax department look into it and call us back- and then we hear nothing. We are beyond frustrated!

At this point we are refinancing to get away from PHH but can not finalize the refinance since we now owe {$7000.00}. in past due taxes that need to be paid first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF ED/XXXX has violated my rights. Regarding alleged accounts # XXXX, XXXX, and XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

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 2019-08-28
Company: EQUIFAX, INC.
State: NC
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 continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2018 I was called by Fifth Third Bank alleging fraudulent activity on an account linked to my personal, private cell phone number. I returned the call to the bank and was advised by the fraud department that my phone number is indeed linked to an account ( not in my name, or held by me ) that exhibited signs of fraudulent activity. I advised the bank that the account and activity are unrelated to me, and that my phone number should not be listed or linked to any account with Fifth Third bank, since I do not maintain any account there. I was advised that this was not possible, " since I am not the account holder ''. 

I do not want my private phone number associated with Fifth Third bank or any account at the bank, since phone number information is commonly cross-linked to a great deal of personal and financial data within the financial services community. It is inappropriate and poor financial management for the bank to allow my phone number to be improperly linked to a known fraudulent account, when I am not in fact associated with that account or fraudulent activity. My concern is that my personal phone number will be improperly linked to accounts or activity that are not related to me. 

Despite requests to escalate my request to an agent empowered to remove my personal phone number, the bank was unwilling to escalate to resolve the problem. I would imagine that this could make a worthy class action suit if consumers have been harmed by the improper linking of their data to unrelated transactions, despite the consumer 's repeated attempts to get the bank to correct its records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. States I have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: MS
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:
The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.

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 2022-10-31
Company: CITIBANK, N.A.
State: MD
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:
I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, the attorney general ( due to the false advertising/fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal. I have worked tirelessly to solve this with the merchant, to no avail.

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 2021-03-01
Company: American Credit Acceptance, LLC
State: MD
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has received numerous disputes and refuses to contact to company XXXX and the reports the issue are months out of date BALANCE IS XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Credit limit

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 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Capital One. I was set up on a payment plan in XX/XX/XXXX, to catch up on two or so past due payments. I was told that my loan would become current in XX/XX/XXXX. I made all payments as scheduled. 

The most recent payment I made was on XX/XX/XXXX, of {$530.00}, for my XXXX payment due XX/XX/XXXX. Today I received an email from Capital One starting my loan is 12 days past due, with a payment due XX/XX/XXXX, of {$520.00}, along with late fees of {$130.00}. 

Capital One can not give me a satisfactory answer for why my loan is showing past due, nor for why I owe any late fees, as my last few payments have all been made on time. They have also blocked access to my online account, so I can not login to their website to view my auto loan statements. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: GA
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:
My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. XXXX  and Equifax are still reporting these accounts with an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got approved for a auto from credit acceptance and set up my auto payment to be paid auto pay. The payments for a year have been auto pay. Well I found out via my credit report that they are reporting me late and set my auto against my due date so that I am late every month although I pay my car loan every month auto pay and have for a year since I got car. I asked for auto pay to be set up bi weekly as well to cut interest. For a year they only applied XXXX  to my principal. And affecting my credit by reporting me 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 2022-04-13
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-08-19
Company: Experian Information Solutions Inc.
State: NC
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:
Experian needs to Remove this account from my Credit Report XXXX/XXXX  ( Account XXXX ) Not only did this account have fraudulent charges me not knowing the law at that time paid the account in full to the company that owns the account now which is XXXX XXXX XXXX. 

I have sent in my FTC identity theft report with my Identification to Experian I have been dealing with this for over 6 months this is my last time before I go to small claims court and seek damages if this account is not removed from my Experian report immediately I have contacted XXXX/XXXX  and they send the same computerize generic letter saying they dont own the account but yet theyre reporting it to Experian which in itself is a FCRA violation.

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