BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Carvana Group, LLC
State: WI
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:
On XX/XX/XXXX I XXXX XXXX, did a pre-qualification for financing with Carvana LLC on that very same day I placed an order for a XXXX XXXX XXXX XXXX XXXX. I provided all necessary documentation for approval I provided documentation between XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I was approved and had a delivery date set for XX/XX/XXXX. I called on XX/XX/XXXX and had the delivery date rescheduled for XX/XX/XXXX. On the date of delivery I got a call from XXXX claiming shes a specialist at Carvana LLC which is a vague statement what does she specialize in? She stated I provided a paystub and whenever a paystub is provided they have to verify income even if thats not a requirement. When I applied I never was ask for income verification I submitted the paystub to verify my address. They asked for identity verification and address verification never for employment verification but yet XXXX tried to verify my income 3 hours before my delivery time. XXXX asked me for additional information which was my manager/ supervisor contact information I successfully provided XXXX with such information, XXXX stated she would call and verify my employment/income which was not a requirement. XXXX contacted me 30 minutes later and admitted she did not contact my employer instead she did her own research which is her opinion so she canceled my vehicle delivery based on her opinion about the company because they dont have a website but theyre registered with the state. XXXX stated unfortunately because my employer doesnt have a website and she couldnt verify employment I would not be getting the vehicle I was promised. XXXX also made it impossible for me to get financing with Carvana LLC. This call with XXXX took place approximately at XXXX am XXXX on Wednesday XX/XX/XXXX I called Carvana LLC and spoke with a different advocate after speaking with XXXX her name is XXXX she stated that is was unusual for them to call right before delivery and she stated that someone inappropriately approved my purchase on their end. I am deprived of a vehicle because of Carvana LLC advocates and their opinions. I have reason to believe that this is a discriminatory action that was taken along with deceptive business practices on Carvana LLC end. Carvana LLC and their affiliates mislead me having me thinking I was getting a vehicle and in fact I wasnt. You cant approve someone and then not give them their goods. All underwriting should have been completed before APPROVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Ad Astra Recovery Services Inc
State: TN
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: Problem with personal statement of dispute

Complaint:
I submitted disputes to XXXX, XXXX, AD Astra Recovery Services, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXXXXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Westlake Services, LLC
State: SC
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 XXXX, Sc XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C . 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 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 treat a payment on a credit card account under an open-end consumer credit plan as late for late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-01-04
Company: ASSOCIATED BANC-CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account online XX/XX/2022 with {$25.00}. 

Don't have access to funds nor know the status of the account. I am not able to withdraw the {$25.00} in person, nor via debit card, nor able to login to online bank account. 

I'm also not allowed to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-08-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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.

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 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were multiple unauthorized automatic debits from my account that were unauthorized. Also, the merchant didn't complete the work that was paid for initially and forced me to hire another company. My bank stated that they didn't owe me anything back because they provided service to me.

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 2019-08-10
Company: DRIVEiT Holdings, Inc.
State: CA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money transfer transaction was made on XX/XX/2020 morning Pacific Time and was supposed to be in the recipient 's bank the on XXXX XXXX per receipt and confirmation of the transaction. The money was not made available up to the filing of this complaint ( today 's date is XXXX XXXX ). I have checked with Western union on the 2nd day and was told that it will be on the recipient 's bank on the following day but to no avail, checked again on the 3rd day and said that it will be in the following day bu again to no avail. Today, I spoke to them again and was told that the money will be available in the recipient 's bank on Monday, XX/XX/XXXX. If that money I sent is for emergency purposes, the recipient could have been dead by now because of the bad processes that WU is having. Promises here and promises there, giving wrong information and misleading the consumer to the real problem of the transaction. It is maddening that this happens because whatever money sent to a loved one outside the US has a very important purpose. Besides, these are hard earned money. WU can not explain to me what was the cause of the delay they made it hard for me as a consumer to get a resolution to the problem by passing me on from one agent to another, from one specialist to another, and in between calls that they put me on hold, they suddenly cut the line which causes me more to be upset and frustrated. I want to claim damages on this particular complaint. They should not cause this kind of problem to their consumers. I want to escalate this to the legal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 act account # XXXX XXXXXXXX XXXX has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

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 2020-12-07
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I refinanced my home mortgage for a lower rate and term. Soon after my refinance closed the mortgage was sold to AmeriHome Mortgage for servicing the mortgage. My refinance included pre-payment of the escrow. I've also made my required monthly payments, including escrow. My escrow with AmeriHome currently has a balance over $ XXXX. I have an outstanding homeowner 's insurance premium of {$1500.00} that was due as of XX/XX/2020. My insurance documents with AmeriHome are up to date, indicating a payment is past due. So far, I've contacted AmeriHome, including the following occasions : XXXX : Initial call to AmeriHome stating I received notice from my insurance company that the insurance payment wasn't made. They requested I send the insurance email notification to their customer service department, which I did on that day. I was told the payment would then be made. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. I was then requested to send my insurance payment notice to the AmeriHome insurance department email ( XXXX ), which I did on that day. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment via work order to be completed by XXXX. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available and the work order from XXXX was closed without reason. AmeriHome said they would escalate and issue an insurance payment within 24 - 48 hours.

I will continue to follow up with AmeriHome, but at this point I've received a text, email and letter from my insurance company stating the insurance payment is past due, and my policy will be cancelled as of XX/XX/2020 if full payment is not made. I have been given multiple assurances the insurance payment will be made via my escrow, which has enough funds and continues to be funded via monthly mortgage payments. I have little confidence this will be done and am at risk of losing my legally entitled insurance coverage due to the inability of AmeriHome to meet its requirements of making homeowner 's insurance payments via the escrow account. 

Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the only way I can communicate with XXXX XXXX XXXX XXXX because they dont know how to respond to me in any other way. They claim to be a company who helps their clients even if the loan that was taken out was fraudulent. Also, there was never a loan for {$3800.00} deposited into my account in the first place. They claim there was. The bank account that is now closed ending in XXXX never had a loan in that amount deposited. I never used the money for a loan in that amount. My spouse is My witness. I would like the CFPB or someone to investigate this matter if possible. I have already filed an IC3 complaint with the FBI explaining all this as well. Again, XXXX XXXX XXXX XXXX says a loan was deposited into my bank for {$3800.00}. That is false. There was no record of that. Also, that bank account is now closed because of identity theft/fraud. Dont trust XXXX XXXX XXXX XXXX because they wont help you. They will make false claims. I would not go through all this trouble if it was my loan. Think about it. Would you go through all this trouble if the loan was yours? No. Also, where is the evidence of me signing anything or authorizing anything for any loan for {$3800.00}. No one talked to me or sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Truist bank allow a {$340.00} fraudulent XXXX XXXX XXXX  charge to go through. It put my account {$190.00} negative balance. Once the fraudulent charge hard post it triggered additional {$36.00} over draft fee for negative balance of {$220.00}. My ex son in law XXXX file a fraud complaint with XXXX XXXX XXXX on my behalf and it was refunded to my account. My bank charge me XXXX {$36.00} overdraft fees and only XXXX has been refunded to me.

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 2022-03-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: The CMI Group, Inc.
State: GA
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 to the fair credit reporting act, Credit Management LP, has violated my rights by reporting a debt of {$160.00} for Account # XXXX with XXXX, XXXX and XXXX credit reporting agencies .

15 U.S.C 1681 section 602a states I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief