BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: Carvana Group, LLC
State: FL
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 bought a new XXXX XXXX XXXX from XXXX on XX/XX/XXXX. They new I had a trade-in from XXXX, it was a XXXX XXXX. They gave me a price and I signed a contract that the loan amount would be a little over {$11.00} and my monthly payment would be {$230.00} a month. The process went smoothed and the looked over my car and I got the new car immediately. I had a 7 day guarantee to return the vehicle as well. They processed my car tag and registration in a matter XXXX or 4 days, it was quick. They setup my account with XXXX and on XX/XX/XXXX my first payment f {$230.00} was supposed to come out. 
XXXX on Saturday I get an email from XXXX from XXXX telling me I had to rebuild the loan that there was an error on their part. They didn't take in to account that I had a l balance on the trade-in and that would affect my payment. I get an email telling me it would go from {$230.00} a month to a {$500.00} down payment and {$700.00} a month interest rate of 19.48 %. I was shocked and called them immediately. They said it was an issue on their part and that they would look at ways to help me. They said they would send me a check for {$250.00} for my incovience. I then waited to hear back on what more they could do. I heard back from XXXX and they were willing to take back the car but I had to get another car with them. The only problem is that they are charging me now 19.48 % interest and that balloons any payments to a high amount. I was looking for something similar car the XXXX, which only had XXXX miles on it an I was paying {$450.00}. Now I would have to get an older car of less value in order to stay around that payment of {$450.00}. I lost a 3.9 % APR with XXXX and now stuck with a 19.48 % from XXXX. They won't let me just give back the car because that would be reported on my credit for 7 years and have a very negative impact. I am trying to rebuild my credit. So I was given an option of paying for the current car, getting another car with XXXX that wouldn't be even close to what I had without it being a lot more in a montly payment, or simply returning the care and having a mark on my credit. I have tried to talk to them for days and with no success they were willing to take off the delivery fee which ranges about {$490.00}. Either way I didn't have a chance to say no, I will give the car back because they didn't even find the error until XX/XX/XXXX. I don't know what to do. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX up to date with everything. They told me that they would remove these late payments but they haven't.

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 2017-09-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I requested forbearance due to losing my job, a few times, and rather than stop payments, like other companies did, they continued to add on the balance of the payment, not simply interest. They also made me pay {$50.00} on 3 occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian and XXXX have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts

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 2020-04-30
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: Account information incorrect

Complaint:
I have two accounts that both have wrong credit card balances : XXXX XXXX XXXX  credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The XXXX card balance shows {$1000.00} on the XXXX XXXX website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX  XXXX XXXX ). Please assist.

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 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Bank of America in XX/XX/XXXX stating that I did not have homeowners insurance on my property and that I would be forced to pay for insurance that they purchased. On XX/XX/XXXX, I faxed a letter to the number provided with a copy of the insurance declaration. I have confirmation that the fax was received. I did not receive further notification that there was any problem with the documentation provided. 
I received another letter later that month and called in again. They still claimed to have no record of my submission of proof of insurance. I again faxed it - to two different numbers, one that the customer service rep gave me ( which was supposedly to her manager named XXXX ) and the other from the original letter. I then received an escrow statement showing that they were charging me for the forced purchase mortgage so I called again. I was given an email address for XXXX XXXX who promised to take care of it. I emailed the declarations page from my home owners insurance to her and requested a response if there was any problem with it. I received no response. I then received a letter stating that they were " trying to get a hold of me '' and so I called again. Still no record of all of the things I sent in. Tonight I again faxed the information to a number that was given to me by XXXX XXXX. I asked for confirmation that the fax was received and received none. 
I strongly believe that Bank of America is making it difficult for people to submit proof of insurance so that they will just give up and have to pay for the forced purchase insurance, which I understand Bank of America receives kickbacks for securing.

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 monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX  XXXX Balance : {$8200.00}, XXXX XXXX  XXXX XXXX XXXX {$8500.00}, XXXX XXXX XXXX Balance : {$230.00},

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have never had credit with nor signed any papers with Portfolio Recovery Associates yet they are reporting on my credit report profile that I owe them {$440.00} which is inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information XXXX XXXX XXXX TransUnion XXXX-TransUnion  XXXX-TransUnion XXXX XXXXTransUnion XXXX XXXX - TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX -TransUnion XXXX -TransUnion XXXX XXXX-TransUnion XXXX XXXX XXXX -TransUnion XXXXXXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-04
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX keep reporting that I am behind on payment on a service that I dont even have with them. I have tried multiple months to dispute this with experian. I disputed this as soon as it hit my record in XXXX, then XXXX amd most recently XXXX experian says that XXXX XXXX keeps saying that its my account because XXXX XXXX keeps saying so. Thats not the case. I need this case resolved. I got denied a loan because of the negative impact that XXXX XXXX  keeps reporting. I called XXXX XXXX only not being able to talk to any of their fraud department because she calls kept dropping while being transferred from one agent to the next in middle of XXXX. I need help with this as soon as possible.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX  .... Account # XXXX Account Name XXXX XXXX  .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 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 2019-05-31
Company: EQUIFAX, INC.
State: PR
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 called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec OfficXXXX ) to resolve all other customer cases. 

Today, XXXX XXXX, 2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XXXX XXXX, 2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: CA
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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: PNC Bank N.A.
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:
When trying to link my debit card with companies like XXXX, XXXX, and XXXX it is rejected due the bank not accepting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX car was purchased, XXXX car was stolen, XXXX was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, XXXX lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX  has removed the loan from my credit report as well as XXXX  but Experian has yet to do so even with the evidence that it should be deleted permanently. XXXX or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.

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 2021-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, the family renting my investment property moved. I prepared the property to be shown but on XX/XX/2020, we were mandated to stay home to " slow the spread. '' As a result, I was precluded from showing the house, therefore, I could not rent the house. I learned of the CARES Act and on Thursday, XX/XX/2020, I called SPS and spoke with XXXX. XXXX advised me that under the CARES Act I was entitled to a forbearance of my mortgage. I requested a 90 day forbearance for XXXX, XXXX & XXXX payments. XXXX confirmed that the three ( 3 ) mortgage payments would be moved to the end of my loan without penalty or interest. I accepted this relief in good faith and under the advice of XXXX cancelled my auto pay. 

I was successful in renting the property for XX/XX/2020, and called SPS to resume mortgage payments. I was told I needed to apply for a loan modification which I did. After months of submitting and resubmitting the same information I was denied the loan modification due to a " collection or charge off on my credit report. '' I believed that the " collection '' action in question was a {$290.00} disputed bill with XXXX which I offered to pay in full to resolve. I was told that was not acceptable and that I had " no home retention options. '' I was told that I was required to pay a lump sum payment or SPS would begin foreclosure on my property. I asked about repayment options, payment plan, etc. and I was again told " I had not home retention options. '' Together with a foreclosure notice I received a short sale acceptance form and a general third party authorization forms to sign over the rights to my property to SPS. 

I filed an appeal with SPS which was denied. 

In addition, to the loss of income on this property directly related to the Covid-19 pandemic, my income was reduced by 25 %. Further, since I was unable to travel for work my monthly travel reimbursement was reduced to zero, an average loss of {$350.00} a month. 

I am a single woman supporting my household on a single income. I accepted the relief offered by SPS to ease my financial burden while impacted by Covid-19, in good faith. I believe SPS acted in bad faith by refusing to find a way to make the loan modification successful after offering and promising to move three ( 3 ) mortgage payments ( XXXX ) to the end of the loan. I have never been late on a mortgage payment. I feel as if I have been a victim of a predatory lending practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Bread Financial Holdings, Inc.
State: OK
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:
XX/XX/2022, I was told by Comenity Bank call center representative XXXX, that my XXXX credit card with comenity bank had been sold to a 3rd party called XXXX XXXX due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to XXXX XXXX to make my payment. I contacted XXXX XXXX XXXX MO on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call XXXX XXXX as well as Comenity Bank over and over again, I even tried to dispute with my bank. I was told by Comenity bank that XXXX XXXX has not sent them the check yet. I was told by XXXX XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XX/XX/2022 I spoke with a supervisor by the name of XXXX XXXX with Comenity bank, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to XXXX XXXX my account was reversed BACK TO COMENITY AND NO LONGER WITH XXXX. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted comenity bank and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay comenity bank in attempts to zero out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using 93 % of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my zeroing out my balance.

Company response to consumer: Closed with monetary relief