BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Carvana Group, LLC
State: CA
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 bought a XXXX XXXX XXXX from Carvana online in XX/XX/XXXX. 
Few months later, I found out my wheels were staggered and could fall off the car, according to XXXX. It is a health hazard and i have a XXXXyear old i carry in the back seat. 
Carvana never disclossed to me that the wheels and drive train were changed. This is my life we are talking about, and that of my family. I am a XXXX man and i know if i was XXXX, I would be given full disclosure. 
Carvana and XXXX  ( warranty company ) would not entertain my explanation and consider my claim, even though there's a record of me reporting this same issue when i first found out on XX/XX/XXXX. 
They claim i needed a Diagnosis from when i first reported the issue, even though I've sent them and uploaded a file from my Service Advisor at XXXX, and the PDF clearly states my claim. This is not a new problem. This is something that started even before i got the car. Why can't it be simply corrected back to manufacturer 's specification?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Lending Club Corp
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've notified Lending Club several times that the alleged debt is the result of identify theft. In support of that notification I have provided a signed and notarized FTC ID theft complaint and affidavit. In addition I have disputed this firm 's reporting on my credit reports. The firm did remove all reference to this matter from my credit reports. This was a positive step. However, I am now being sued by a firm, XXXX XXXX XXXX, who claims to have bought this debt from Lending Club. I have contacted Lending Club asking that they resolved this matter, but they have not responded. See attached documents. 

My request is that Lending Club notify XXXX XXXX XXXX that they are rescinding the sale of this account to XXXX XXXX XXXX, so that the legal action now pending may be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX, tax parcel # XXXX Dear Sir or Madam, I have purchased a lot at the above address in XXXX. I had planned to build a house and move there with my wife upon our retirement. However, XXXX XXXX refused to advance payments against the mortgage for the construction. XXXX bought this loan from XXXX, out of bankcruptcy. 

We had originally taken out a construction to permanent loan with the now defunct XXXX. The loan was saddled with very high fees and closing costs. Also, the interest rate was initially high at 7 %, despite my, at that time, very high credit rating. XXXX issued payments to the mortgage broker ( commissions ), the real estate agent who sold us the lot as well as an initial draw to the original contractor that was supposed to build the house. Those draws were issued against my loan with nothing in return to me, resulting in a much higher balance than if I had just bought the lot. The contractor never did any construction but pocketed the money advanced to him by XXXX. 

After XXXX went bankrupt in XXXX, XXXX Bank purchased the loan for XXXX cents on the dollar. Even though this was a construction to permanent loan, XXXX XXXX refused to pay for the construction of the house. At that point, I had already paid out several XXXX dollars out of pocket to the contractor for site preparation. So I got stuck with the sunk cost of not only XXXX of dollars in unnecessary loan costs, but also the sunk cost of the site preparation. 

Even though XXXX Bank reduced the interest on the loan, they have collected more in interest on this loan than what they had originally paid for the entire loan. Over the past 10 years, I had asked XXXX XXXX three times to reduce the outstanding principal or to take the property back ( deed in lieu ), but they had always refused. 

I am XXXX XXXX old and my wife and I only receive Social Security income and a few XXXX dollars in rental income per month. Our out of pocket medical expenses are mounting and in order to continue making payments on the above-mentioned loan, we will soon be forced to sell our home. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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 fraud alerts or security freezes

Complaint:
I'm applying for a loan and my loan agent needs to view my report. However, there is a freeze on my account that I did not place. I tried online to lift the freeze to no avail. I then called but the IVR is terrible and then it's impossible to get a real person on the phone to help with the issue. 

I'm losing money on this one credit agency and you guys be ashamed of the XXXX technology you use.

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 2017-09-15
Company: EQUIFAX, 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:
Equifax refuses to correct the information on my credit report that shows that a credit card debt is charged off when in reality this was paid in full. I have asked Equifax multiple times in 2017 to contact the creditor, XXXX XXXX XXXX in XXXX, Florida to confirm that the credit card was paid in full yet they refuse to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: WA
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:
My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Equifax Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX : {$880.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance {$810.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$190.00} 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 2019-08-17
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I think these calls are from Synchrony Bank.  They just took over PayPal.  I called them and explained that I had just gotten a new job and would catch up my payments as soon as humanly possible.   I'm not sure if the rep understood as their English was XXXX XXXX.I did make a XXXX dollar payment XX/XX/2019So far today alone they have called 5 times.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I submitted a dispute with TransUnion and other credit services on XX/XX/19 and still havnt received my answer. Its well over 30 days and Im tryin to buy a home

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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted all three bureaus XXXX, Transunion, and XXXX about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm 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 2020-11-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
Wakefield and associates has multiple collections accounts on my experience credit profile I have disputed multiple times with XXXX and some of the accounts have been deleted but there are several they are claiming are verified as accurate and refuse to remove this is negatively impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
I opened A credit card with XXXX XXXX XXXX with a credit limit of {$400.00} on XX/XX/2018. After a few weeks of use they suspended my card for investigation. I called to see why and they said one of the credit bureau showed my social security number changed. They requested I show proof from social security office that the social security number I used belonged to me which I provided and mailed to XXXX  XXXX XX/XX/XXXX.Even after I showed proof my account was still closed onXX/XX/2018. I then Called to pay balance off since credit card was closed and submitted payment of {$400.00} on XX/XX/2018. On my XXXX report the information referenced is correct. Reason for complaint is that the credit bureau Experian is still reporting account opened and in derogatory. Experian also shows another error of account balance at {$2100.00} for XXXX 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 2019-02-25
Company: EQUIFAX, INC.
State: IL
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:
When reviewing my credit report I noticed XXXX XXXXXXXX XXXX performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX and Office Of The Attorney General. I already had an account with XXXX XXXX XXXX that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of XXXX XXXX XXXX contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from XXXX XXXX that they have requested the inquiry be removed. I spoke with a representative at Equifax on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I entered a XXXX management program with XXXX XXXX XXXX. They have sent a payment to XXXX XXXX XXXX and they processed the payment. They accepted the check therefore they should have changed the payments and not charged me a late fee.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 the past three years I have had poor credit ratings due to the way credit bureaus report. The lower your credit for inquiries even though in most cases an inquiry does not increase your debt. Your score should not be affected by inquiries, only increased debt. Financial institutions invariably report bad information and the bureaus run with it. Most of the reports are severely outdated and information is missing. Credit bureaus do not take into consideration your assets which in my case more than offset my debt. One example with XXXX XXXX for example who reported a late payment. The late payment was due to their online payment system being down and as they continued to have problems with their system I paid off the credit card and closed the account. The only thing I got out of that was a reported late payment which stays on my account when I should have received a pat on the back for paying off the credit card and closing it. Another case I had a loan which I paid every month and when I paid the last payment the bureaus showed the account as being closed as if I defaulted when actually I completed the payments without missing a single one and the loan was paid. They are pathetic and have no idea about personal credit. They are completely systemized, and it is a bad system.

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 2021-09-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I Am Having a Problem with TD Bank for Some Reason in XXXX my debit card was stolen and my ex-boy friend used my debit card to make fraudulent transaction on a Old Account That i Had With TD Bank in XXXX. So i Open a New Account XX/XX/XXXX at a TD Bank Branch and also Paid the Other Account In Full Account {$560.00} account ending XXXX and the agent at the TD Bank Branch Told Me Unfortunately We Are Not Going to Give You Full Access to Your New TD Bank Checking Account the NEW Account i Open at the TD Bank Branch Because we Need to Contact our security department to remove a block for i can have access to TD Bank Online Banking. So Today XX/XX/XXXX TD Bank Closed My New Checking Account Number : XXXX Because we Detected You Had Previous Account in XXXX with Fraudulent Activity so Unfortunately You Are Not Going to Be Allow to Have Any Accounts Open With TD Bank. and i really don't understand why TD Bank Did This to me and i never did anything wrong all those problem that happen with Fraudulent Activity that was Something that my Ex-Boy Friend Did Without my Permission and stole my debit card from my other account and used my Pin to take money Out and did all did Fraudulent Stuff Without my Permission Please Help me With this i also Made a Deposit {$100.00} to open the new Account and the Branch Refused to give me back the Money For The Deposit i Did on my New Checking account ending XXXX that i try to open and they closed also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a call from a company called XXXX XXXX XXXX ( Fidelity Capital Holdings ). They claimed I owed over {$1000.00} to 2 doctors. They had personal information about me but I did not owe the doctors any money. I called the hospital the doctors are associated with and they told me I did not owe any debt or have any open accounts there. I tried talking to the company to find out more information about the debt but they were extremely rude and unprofessional. They were abusive and would not give me straight answers. I asked for their profesional license number to find out if they were a legit company and they refused. They hung up on me and told me to XXXX it. When I asked them if they were real they would not answer me. I barely got any information about the debt. They did n't even want to spell the name of the doctors for me. one woman I spoke to could not speak English so I told her to speak to me in XXXX and she did at first but then would go back to English. Her enlglish was  incomprehensible and her XXXX was extremely fluent but she refused to communicate with me in XXXX. Every employee was aggressive and abusive. They would not let me talk and they would not answer my questions. I was simply returning a voicemail I received in which they identified themselves, asked for me and said that they were calling to collect a debt. From what I know about the law when it comes to collections, a voicemail is a third party and a collection agency is n't allowed to disclose or attempt to collect a debt on voicemail. They were horrible and I believe they are a scam. From reviews I read online I saw people claiming they have paid this company and did not receive any receipts or proof of payment. I want to prove this company as a scam so more innocent people are n't effected by these abusers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
{$300.00} Bonus Offer Breach of Contract Outlined : ( Mailed Offer for New Customers ) Bank of America Customer- ( My name ) New Account Opening Date XX/XX/19 Met All Requirements XX/XX/19 Per offer : {$300.00} Bonus should have been deposited within 60 days of account opening

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 2019-02-25
Company: JPMORGAN CHASE & CO.
State: TX
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:
I applied for a card last year in XXXX. I was approved and card was supposed to be shipped out. I never received the card. I called them around XXXX yo inquire about the card and they said a new one would be shipped out. I received it close to XXXX. 
Today I called to ask why if I had already spent more than {$3000.00} why I had not received the XXXX miles I was supposed to. I called today to inquire about this and they said that I didnt meet the spending by XXXX. I brought out the fact that my card was received on time and I figured my time would not begin until after the 2nd card was shipped out and now I am told that they dont have noted of whenever I called last summer and that maybe it was for another account. I only have one account with them. To make matters worse they said that only one number shows on file for me which is inaccurate because back in XXXX I lost my wallet and had to cancel all accounts and request new cards. 
I spoke up to the supervisor and she still was set on saying that I've only ever had one card. Which is ridiculous because like I said I did have to request a new card. Obviously something is going on with their system and they refuse to look further into it.

Company response to consumer: Closed with explanation