BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is addressed to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and all agents and employees doing business as Carvanna, LLC and serves as My notice of opportunity to cure and intent to sue. I have applied via 3rd party for an extension of credit in which Carvana accepted the duty. 

The application process is deceptive and misleading, and they are requesting an egregious amount of {$14000.00} for a downpayment which is a TILA violation. I was informed that the Financial Institution XXXX required the $ XXXX downpayment and that I would have to speak with them. I called XXXX and I was informed that they do not have anything to do with that and I'd have to work it out with the " Dealer Ship ''. I then initiated a text conversation with a Rep, to no avail I was instructed to give Carvana a call. The next day I called Carvan back at ( XXXX ) XXXX and requested to speak to a manager. One hour later I received a call back from XXXX XXXX. 
XXXX was unwilling to escalate my issue or sort it out as he indicated that he was not competent enough to understand the violation I was citing because he was not an attorney. 
In good faith Ive tried multiple times to get this remedied. 

The problem : Carvana, LLC is violating Truth in Lending 15 USC 1662 ( 2 ). 
No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, XXXX XXXX XXXX, 82 Stat. 158. ) I've attached exhibits to show that Carvana not only advertises Downpayments in various amounts but also changed the amount further along in the purchase process. This is an unfair and deceptive trade practices and a violation of the above regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: FL
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 cell phone and wallet were stolen and they got into my email and passwords, for that I was locked out of email and telephone associate with this account, I reported it to company, all passwords were in my email and phone and because of theft, and unable to access personal information I was not able to follow up on account. company is. 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 2022-06-24
Company: EQUIFAX, INC.
State: FL
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 cell phone and wallet were stolen and they got into my email and passwords, for that I was locked out of email and telephone associate with this account, I reported it to company, all passwords were in my email and phone and because of theft, and unable to access personal information I was not able to follow up on account. company is. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Southwest Recovery Services, 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:
i have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call XXXX XXXX XXXX who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!

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 2022-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: WI
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 DPT EDXXXX 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-01-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The loan servicer, Navient, began billing me for loans while I was still in school ( when the payments were supposedly deferred. After learning about this almost 4 months after the initial bill was generated, I contacted Navient and they ask that I provide proof of enrollment. I provided the required documentation from my school. After doing so, instead of rectifying the billing issue, Navient rolled up the 4 months of " past due bills '' into my existing school loans and then capitulated the loan ( charge interest on the interest amount plus principal ). This happened on at least two different occasions across multiple school loans, and has added several thousands of dollars to the principal and interest loan amount through no fault of my own. When I attempted to address the issue with Navient, I was told they were not able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: WI
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 DPT EDXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, h

as 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt

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 2022-06-24
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
on XX/XX/2022 I paid Macys {$140.00}, XX/XX/2022 I paid {$100.00}, and XX/XX/2022 I paid $ XXXX. Macy reported to XXXX  that XX/XX/2022 I was 30 days past due for account. This is wrong I was not 30 days past due for XXXX. 

I spoke with XXXX # XXXX he inform me an online account was open in my name I told him I had no knowledge of opening any online account and I never sign anything not to received bills in the mail. I ask him to up date my address and send me all information they have about the onlin account he told me to get a lawyer and have them contact macys their nothing he can do to help my.

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 2022-06-24
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
everyday calling including late at night and early in the morning about a debt owed, I let them know that it is being handle by my lawyer, not to call my number anymore and I still get the calls thats very disturbing...

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 2022-11-26
Company: Homeward, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, we received a closing disosure, showing we would be required to prepay 2 months of property tax for a total of {$1600.00}. On XX/XX/2022, 6 days before closing, we are now expected to prepay 12 months of property taxes for {$7900.00}, the full tax bill. We are entitled to homestead exemption for 20 % reduction of taxes in Texas. They are not taking it into consideration either. 

On the XX/XX/XXXX closing disclosure, they are charging us XXXX for an appraisal in section B, and then another XXXX for an appraisal fee in section K. No explanation was given. 

This was a part of the cash up front program, where we agreed to have our mortgage company buy the home with cash, and rent it to us until we sold our house and bought it from the mortgage company. They are charging us for 30 days rent, when we will have only rented it for 24 days. 


My rental agreement shows a total of XXXX a month, on the closing disclosure they're charging us XXXX for the full month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had received a letter in the mail from a collection agency ( National Credit Systems , Inc ) stating that I have a balance of {$990.00} from an apartment complex we were once residents at. The complex is called The XXXX XXXX  ( XXXX XXXX XXXX ). The letter stated that we owed money due to property damage. I called the collection agency outraged trying to find out why we were billed for such a large amount. And why werent we notified about the balance before or around the time of our move out. National Credit Systems told me that they didnt have the answers to that, but that they were the XXXX to collect the money. I tried to dispute it with them, but I was just given the run around.

Now the reason that Im making such a big deal about this situation is because around XX/XX/XXXX, around XXXX, I had casually bumped into one of the front office employees of The XXXX XXXX  ( At the XXXX that I work at. It was around the time I was getting off ). Who informed me that after we had moved out, XX/XX/2016, a family of possums had moved in the vacant apartment and in the employees words Tore up everything, they tore up the carpets, the floors, and even the walls. The employee also went on to tell me that they were having a hard time renting out the apartment because of the rodent problem. Saying that the carpet needed to be replaced and other things in the apartment due to the damage the possums caused. The collections agency asked for the walk through paper. But I didnt have the final walk through because on the day we moved out the property XXXX XXXX XXXX XXXX was not in. The XXXX XXXX told us that because she wasnt in they would call us to go back for the final walk through. But we never received an email or a call. In addition to the miss call for the walk through, we never received a call after we moved out informing us that there was property damage. I never received a call or an email about a {$990.00} dollar fee that needed to be paid. All we got was a letter 3 months later, from a collections agency stating that I owed a balance for an outrageous balance. 

I feel that we have been treated unfairly in the situation. Please help us any way possible, it would be greatly appreciated. 

We eventually came to a agreement and I paid a payoff amount national Credit System were willing to accept but it is still showing up negligent on my credit and they letter XXXX XXXX sent me has a false amount, making it seem as though we didn't make a payoff payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is serviced by : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was contacted by a representative in XX/XX/XXXX asking if I wanted to take advantage of the assistance program due to COVID-19. Since I had lost my job I had for 10 years I was most interested in the program. I asked to questions : Will this in anyway cause me to lose my home or put my home in jeopardy in anyway? NO Will this cause my mortgage payment to go up? NO The representative said : You will get a loan modification or the back payments will be put on the backend of the mortgage. I said : Put the missed payments on the backend of the mortgage is fine with me. 
This is all the information that was given to me, the rep. said : would you like for me to fill out the application for you now? I said : Yes. I never signed anything or received any document to sign. Nor was I told that this is called XXXX! I have never heard of forbearance. I had no idea what I was accepting. I spoke with SPS every month, one day a rep told me that I should start making the Escrow payments, so I did for 6 or 7 months. Then a rep told me I should be making payments to the principal rather than the escrow. So I did. I was calling SPS every month making payments over the phone until XX/XX/XXXX. On that day the rep said : we can't accept you payment! Why? Because it has been turned over to an attorney for foreclose! Why? Rep : we don't know, the owner of your mortgage has made that decision. I asked who owned the loan, she said she could not give that information over the phone but would mail a letter. The owner of the loan is : XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the Seasoned Credit Risk Transfer Trust, Series XXXX. 
I called XXXX XXXX XXXX XXXX  XXXX, I was told they would not talk to me that I could only communicate with SPS. 
On XX/XX/XXXX, I spoke with another SPS rep, who told me I could go back into Forbearance, I said : I don't want anymore forbearance, I want to make my payments. She said : If you back into forbearance it will take you out of the foreclosure process and it will give you time to get this situation taken care of. I did that. I am in Forbearance, MAKING my PAYMENTS every month! I have spoken to XXXX attorneys, all have said this is a mess, they have lied to you and most likely you will have to sue. I am XXXX XXXX XXXX, I lost my job I have no way to afford an attorney. I was also told there would be no late charges or fees and no negative credit reporting. They are charging me attorney fees and other charges. I was told by taking the assistance program it would prevent foreclosure, instead it has caused foreclosure. And they have sent balloon payment statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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 disputed an item on my Experian credit report for " XXXX XXXX '' on the grounds that the company never loaned me any money or provided me any service. This is a " credit repair '' product for people with bad credit. It seemed fishy to me, so I decided to not proceed with the program. The " bank '' never loaned me any money, never provided me any good or service, and I never received any credit card from them. 

I explained all this to Experian and asked them to remove the " missed payments '' and this account from my report. I didn't pay anything to " XXXX XXXX XXXX because I never borrowed anything from them! Experian declined to remove the bogus entry and it remains as a negative mark on my report. 

I request Experian remove this account and associated negative information from my credit file.

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 2022-06-24
Company: Experian Information Solutions 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:
I was trying to apply for a car and I was told that my credit would not be checked however I have several unauthorized inquiries.

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