BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-12
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for an auto loan through Carvana and was originally approved for financing. When I  selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, XXXX XXXX, contacted Equifax via fax on Monday, XX/XX/XXXX to correct the problem of being unable to locate a credit file. In return, I received a letter in the mail stating that they are unable to locate a credit file for the following reasons : not having a current file, having not applied credit recently and have not actively used credit in the past ten years. Both other credit bureaus have been able to accurately supply a credit score, however Equifax is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/2018, I applied and got approved for American Express Delta Gold card. 
I had applied through a PUBLICLY AVAILABLE offer for a limited time on https : //americanexpress.com. This publicly available offer had a promotional bonus XXXX  XXXX attached on sign-up. The full terms and conditions of the publicly available offer are attached as pdf. 


Publicly available link on americanexpress.com used for sign up in XX/XX/2018 : https : //www.americanexpress.comXXXX   XXXX I faithfully fulfilled all the terms and conditions of the promotional bonus offer ( making the required minimum spending, and waiting 8-12 weeks ). Note that this particular public bonus offer did not have the restriction around " welcome bonus not offered if you have had this card before ''. 


Please provide the promised promotional bonus of this publicly available offer that was signed up through the publicly available link on americanexpress.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: FIRST HERITAGE CREDIT LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My loan was sent to court through XXXX county SC. It was disposed on XXXX. Today XXXX the store in XXXX SC contacted me to collect the debit. Isn't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: HOME BANCSHARES, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX was ghost frauded out of my account somewhere around XXXX thru XXXX of 2017. therefore making my house payment be sent back for insufficient funds. XXXX XXXX isn't working with me to resovle this matter, all there looking at is the ATM withdraws not the POS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This entire year of XX/XX/XXXX I been contracting XXXX XXXX in XXXX. trying to settle my account, so on XX/XX/XXXX I called the bank to pay the balance, and they informed me they can not take my payment and have nothing to do with this account, keep in mind they are reporting information to the credit reporting agencies. So they inform me it was sold to XXXX XXXX in XXXX, I have write both companies in XX/XX/XXXXabout settling my account I waited 37 days with no response from never, that is why I made a call on XX/XX/XXXX. Ok back to the call I ask the person on the call if I pay the collection agency which is not reporting to the credit report agency who is supports to change my pay statue to paid from collections, she replied with dispute it with the credit agencies. My question is how am I going to dispute a company which is not reporting on my account when the bank is but has nothing to do with the account. What I see happening is I pay the collection company and the bank still reports the account as in collection.

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 2021-02-11
Company: Mountain Run Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 had one outstanding auto loan with XXXX XXXX. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.

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 2017-11-30
Company: Navient Solutions, LLC.
State: KY
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:
XXXX requested balance was $ XXXX settlement amount with XXXX  balance of {$0.00} documentation to support both. 3 months later USFunds request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 Equifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After researching the offerings of all of my credit cards, I found that Capital One is the only one of my creditors that offers a 0 % Foreign Transaction Fee. As such, I needed to request a credit line increase as I will be traveling to a foreign country and will potentially need more funds than I have available, which is {$5000.00} USD. After calling Capital One and learning this process needs to be completed by me and not one of their representatives, which is customary, I learned they require a " soft pull '' of my credit report. At the time, and to date, I have a nearly 800 credit score with a perfect 13 year payment history with Capital One. I come to find in the mail, about a week later, that my request was denied for several reasons. ( 1 ) The account has not had enough recent payments to establish a recent payment history and ( 2 ) recent use of this account 's existing credit line has been too low. What these declination reasons tell me is that my spending habits don't require the use of credit and that I can afford my lifestyle. Shocking! An American who is NOT dependent on credit. To refuse a credit line increase to a customer, like myself, with a 13 year history of perfect payments, of which included a credit report, is an " unfair business practice '' ... and quite ridiculous! If, in fact, this business decision was made, as Capital One would have you believe, based in part on my credit report, then the credit line increase should have been granted. I would have even been satisfied if perhaps a lesser requested dollar amount was approved. However, to flat out deny me access to credit when I've spent 13 years proving my credit worthiness is an " unfair business practice '' that will NOT go unreported. Furthermore, the inability to appeal this decision is again, " an unfair business practice '', and requires CFPB intervention. I've spoken to several customer service associates regarding my credit limit declination and lack of appeals process on XX/XX/19 at XXXX PST ( pull the recorded call ), which included a very combative supervisor, who literally said " nothing can be done for you ''. I'm horrified that excellent customers like myself are being turned away with absolutely no recourse to appeal a blatantly biased and improperly substantiated business decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Midwest recovery placed a payday loan on my account for XXXXdollars. It was from XXXX XXXX. Stated the debt from XXXX and will go away in XX/XX/XXXX. This is a fraudulent account, I did not apply for a payday loan and all of there information about myself is from a previous account, they had my current information from. This account I paid them but they kept taking money from my account and I contacted the XXXX. The other account was deleted from my report, the next day XXXX XXXX a payday loan was on my credit report. This company is changing dates and adding Information to collect money. Now I'm afraid my information is gone to be added to numerous accounts they have for other people. I have not applied for XXXX XXXX in XXXX, and When I tried contacting XXXX they had no record of the account either. Told me they might of changed the person and dates but nothing they can do. MIDWEST is trying to scam me out of my money. It's quite odd the XXXX made them delete a account I was paying on. This is why they had my information. I gave them my personal information cause of a previous account. But they kept trying to collect money, and add more money to a debt after the debt was paid. This is how they had my current address and phone number. Then the next day the company put a fraud account was placed on my credit. This company needs to be stopped. I dont want them to keep adding accounts to my credit. And this keeps happening, since they have my information on file. They want to collect on a account that is not mine. You can see in XXXX I did not apply for any payday loans. New Jerseyis one of those sixteen states in the United States of America that have completely banned payday lending. As per New Jersey payday loan laws, it is a criminal offence for lenders to offer extremely high rate short term cash advances to the residents of this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 IS TRYING TO COLLECT ON A DEBT THAT WAS ALREADY PAID TO 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 2021-06-09
Company: CCS Financial Services, Inc.
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 information incorrect

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within 3-4 days stating the lender certified to them this is accurate. I have even sent in disputes by mail asking for the contract of something where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. Listed below, are the dates I disputed and also called to discuss these items : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- called Experian to reopen dispute and express my dissatisfaction of how a lender can just say this is accurate, when in my letter I asked for this contract or something in writing confirming this was me.

XX/XX/XXXX, Mailed dispute XX/XX/XXXX XX/XX/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 2018-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I witnessed bank of america stealing customers money, thats what is happening as we speak.

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 2019-05-24
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I noticed a new collection showing on my XXXX credit report. I called them to find out what it was for, and they stated it was a water bill for a home in texas. I did live in XXXX XXXX Texas so I did recall the bill, but never received proper notice of this debt. 

I asked what address they sent the notice to and ironically they sent it to the same address the services were provided, which of course I never received because it moved to California. I agreed to pay the debt and they agreed to remove the account from my credit report. This was in XX/XX/2019. 

Well as of XX/XX/2019 they never updated my credit report and it still showed that I owed the balance. They never even updated it. I disputed it with XXXX   and XXXX verified the account as accurate but updated the account as if I paid it in XX/XX/2019, instead of XX/XX/2019. I argued with XXXX that this should be deleted and they told me to take it up with the creditor. 

I called Collections Unlimited 7 times on XX/XX/2019 and everytime I pressed " 0 '' for the operator I kept getting looped back to the main menu. I was never able to get a live person on the phone, so I have no choice but to ask the CFPB for help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo Nationwide marketing group. I purchased furniture with 12 months no interest financing from them. The furniture was delivered in two separate deliveries and consequently, there are two separate special term balances with different end dates. I receive one statement with a single minimum payment due. Wells Fargo applies separate minimum payments against each of the two balances. They do not apply the full payment against the balance with special financing that expires the soonest. The documentation does not state how much of a minimum payment is required against each balance. In discussing this with the company, they can not provide the minimum balance for next month. This makes it difficult to pay off the balance without paying deferred interest since I have no idea how much of my payment will be applied against the longer term balance. My contention is, if there are indeed minimum payments required against each balance then they should be clearly spelled out.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
HELLO, I HAVE SUBMITTED NUMEROUS COMPLAINTS REGARDING INACCURATELY REPORTING PAYMENT INFORMATION REGARDING MY XXXX XXXX  CREDIT CARD ACCOUNT TO XXXX AND TRANSUNION. I HAVE A 30 DAY LATE PAYMENT REPORTING ON XX/XX/2020 AND I WAS NEVER LATE XX/XX/2020. I CONFIRMED WITH XXXX XXXX ON THE PHONE THAT I WAS INFACT NEVER LATE XX/XX/2020 AND FOR BOTH REPORTING AGENCIES THEY ARE SHOWING 30 DAY LATE PAYMENTS. 

XXXX REMOVED THE LATE PAYMENT BUT TRANSUNION AND XXXX 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 2020-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two issues or problems paying my mortgage.

1 ) During the process of attempting to resolve unapplied funds due to an escrow issue with 5/3 Bank, I have been given insufficient instructions on what to pay to get my loan current. During multiple calls, I have been told that the fees will be removed as the issue started with an error on the 5/3 's side which is confirmed by a letter received from 5/3 where the apologize for their inability to service and provide guidance to me. However, this inability continues and I now have another {$74.00} in late fee but none of my payments have been received late ( All within the Grace period ), and all in line with directions provided by 5/3 customer representatives. It seems like I have no way to pay this loan in-time or with the right amount as 5/3 is changing the goal post on my over and over again. Instructions and promises over the phone are wrong or pure lies. 
2 ) In my attempts to refinance due to lower interest rates, I found out that my credit score is severely impacted by 5/3 's horrendous practices. This is also something that 5/3 confirmed and apologize for in a written letter dated XX/XX/XXXX. This mistake on 5/3 side will now cost me {$50.00} per month for the next 30 years or about {$18000.00}. During my many phone calls with a 5/3 representative, they constantly told me that this information would not be reported to the credit bureau. Another lie or misinformation. If I would have known, I could have paid the difference until 5/3 corrected my accounts. Again, how can you trust a bank institution when the can not provide accurate information or they straight up lie to you. Is their no code of conduct in this institution or within the banking industry?

Company response to consumer: Closed with explanation