BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
1. XXXX XXXX - wrongly posted a late payment on my experian credit report on - XXXX XXXX. 2. XXXX XXXX has admitted their error in writing. 3. i have explained & uploaded the letter to Experian the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from XXXX XXXX  saying i did nothing wrong, XXXX  was at fault & it requests that Experian remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX  and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. experian theres nothing at all, they seem to only care about the corporations, and not the individual who needs help

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 2023-08-28
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Pen Fed Credit Union.

Pen Fed Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX. 

This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. 

I extended my credit card ( or social security card ) in good faith to Pen Fed Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction.

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 2022-12-26
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Value city, never been in collection and has been paid off in full on time. This has been corrected and was fix bustier appear on my credit report. 

Ally Finance never late always on time payment. Contact consumer has been corrected but still appears on my credit report as a late payment.

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 2023-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to receive the two ( 2 ) recorded call transcript dated XX/XX/2022 at XXXX XXXX  PST and XX/XX/2022 at XXXX XXXX  PST. I would also like the photo contents of the payment envelope date XX/XX/2022 for loan XXXX. Payment was made for XX/XX/2022 in the amount of {$7000.00} check dated XXXX which was cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My complaint is against Nelnet and XXXX. 

During the last week in XXXX, I spoke with a representative from Nelnet about the XXXX program and I decided to apply because the rep explained its benefits. The federal government is touting how easy XXXX is, but lenders like Nelnet are not making it easy. I applied for XXXX manually because I am making less money than last years XXXX. Nelnet requested I submit my paystub to them, even though I already submitted to studentaid.gov. The Nelnet website wasnt allowing me to upload the documents, so I submitted to the email they provided. I never got a confirmation. So, days later, the site was back up so I submitted again. They said they received the application on XXXX and it would take 10-15 days. I received an email today that it would take another 10-15 days from today. I feel like lenders are stalling so that borrowers are forced to pay higher payments and higher interest. 

Regarding XXXX : I had to go to XXXX to learn how to bypass their automated system. I applied for PSLF last year, received a confirmation letter, and never heard anything. I couldnt reach XXXX because you need account information to bypass the phone system, but I never got an account because I finally learned there was an issue with my application. Wait times are so long that I took a day off work on Monday to try to get these things figured out and they are so far from being figured out its insane. 

These lenders are taking advantage of us and breaking us down and they must be held accountable. I have filed two complaints on studentaid.gov and I contacted my Congressperson as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.

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 2022-11-23
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX has requested on several occasions indirectly and directly to XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX that this XXXX kia XXXX already had a dispute in process around XXXX XXXX spoke to this agency that was a debt collection/bank or finance institution in XXXX GA that was a representative XXXX XXXX XXXX XXXX kia of XXXX XXXX Ohio and kia finance in XXXX ga ... XXXX ' XXXX was engine failure, hard to start sometimes, less acceleration, all still under warranty, slow take off, running rough,. windows malfunctioning.so of course it was returned to kia diagnosed that the mechanics found metal shavings within the oil pan. Vehicle returned 18 days later, without my consent or informing me of the options. consumer completely dissatisfied.MR hall held on to the payments because i wasn't receiving the proper feedback as to satisfying the customer first..85 days behind, repossed and illegally and sold with all consumers property still within the vehicle... this was a consumer credit transaction and under the magnunson-moss warranty act, XXXX act 'and backed by the cfpb ccpa, i consumer hall, XXXX am demanding my down payment of XXXX $ and all violations that has truly been a horrible experience.Consumer is also demanding the return of my insurance.premium that is due to consumer..

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 2023-08-24
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
US Auto Sales wouldn't honor warranty I paid out my pocket get car out shop they left in ... .I never signed contract with Westlake don't even know who this party is ... and my car was repossessed last night and I have money and personal things in it can't even find it through vin

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: MARINER FINANCE, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attempted to contact mariner finance several times since XX/XX/2021 but have never revived call back or response back from after sending multiple letter. I attempted to contact XXXX & XXXX several times since XXXX via phone & via letter but no response as well. XXXX was not able to verify account and deleted charge off from my credit file. Since they deleted this account should b deleted from XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!

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 2021-09-18
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a license XXXX XXXX agent in the state of Alabama. On XX/XX/2021 I took a rent payment via the app Cash App for XXXX XXXX and XXXX dollars. Approximately ninety days later my tenant filed a dispute with her bank over the charge. I can easily prove it is a valid charge. 

Here is the issue. Because the charge was through Cash App, the bank does not know who actually received the money and when I asked Cash App for the banks information Cash App refused to provide it. 

Because of this : 1 ) The bank can not properly investigate the disputed payment.

2 ) I can not contact the bank to provide information about the disputed amount. 

Cash App advice is too me was to contact the sender directly. With Cash App effectively giving her a default judgement from her bank, she has no reason to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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:
15 U.S. Code 1681i A 1a 15 U.S. Code 1681i A 4 15 U.S. Code 1681e - b 15 U.S. Code 1681 - 1 15 U.S. Code 1681 - 2 15 U.S. Code 1681 - 4 On XX/XX/XXXX I disputed a negative item directly through Experian and XXXX that was furnished to my consumer reports by XXXX XXXX on behalf of my former employer/landlord XXXX XXXX XXXX XXXX Apartments on XX/XX/XXXX. 

In my dispute I provided proof that the debt did not exist and should have never been in hands of XXXX because XXXX actually owed me money even after this negative item was furnished to my consumer reports. 

On XX/XX/XXXX, This item was deemed as accurate and was simply updated. There is no way a proper investigation could have been done by either party because the whole account is inaccurate I showed that as an employee, my rent was deducted from my paychecks. My last date of employment was XX/XX/XXXX. I was scheduled to receive my final paycheck XX/XX/XXXX. On that date I received a check for {$0.00}. Even though I was owed money for my PTO. 

I was told they were holding onto my funds for the same alleged debt they assigned to Pro-collect. They sent my account to collections while still owing me money making the debt invalid. 

Upon discovering this Item I reached out to both lumacorp and pro collect to fix the matter and have it removed, and to get the money I was owed. 

On XX/XX/XXXX, XXXX sent me my final paycheck further proving I didn't owe them anything and this account should not exist and violating my rights in so many different ways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
dynamic recovery solutions shows I owe {$4500.00} suddenly " opened on XX/XX/2021 '' ( with no dates of service, billing, first delinquency or payment history??? ) from XXXX XXXX XXXX. I disputed this amount with XXXX because I have not had any anesthesia services. XXXX " resolved '' the dispute saying " was confirmed and made no changes to my credit ''. This is impossible since I have not been to XXXX ... All my doctor bills are paid..?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Phoenix Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sometime near XXXX of XXXX XXXX XXXX claimed I owed a debt which should have been paid by my insurance. I attempted to reconcile this debt and it was removed from my credit report. Now I have 3 items on my credit report from Phoenix Financial Services that claims the original debt is from XXXX XXXX started on XX/XX/XXXX. I have not used XXXX XXXX 's service since XXXX of XXXX. They also claim I owe three different balances of {$830.00}, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Items from a previous ID Theft issue continue to be reported on my consumer reports. They've failed to remove all of the 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 2021-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2021. I purchased a pellet rifle on XXXX. Threw XXXX XXXX XXXX. One of XXXX 's online retailers. There was two items being returned that day. At the XXXX store the attendant placed the shipping labels for one of the items on both packages. It took a wile to discover what happened. We did find the lost return in XXXX 's possession. XX/XX/XXXX XXXX issued the refund back to Capital One to my credit card. The same card the purchase was made on. The day prior XX/XX/XXXX XXXX sent paper work to credit one stating they had not received the item for return yet. So in the dispute process I had to get all documentation back to Capital One. Which I did. Capital one looked at documentation and closed the dispute stating the documentation was not what they needed. So I got back in touch with Capital One asking what else they needed. They said they need documentation of the refund also the last four numbers of the card it went to. Not realizing what I just submitted had that information. So I got in touch with XXXX and received. More documentation of this. I submitted it. Capital one just closed the dispute again. I got ahold of management at Capital One. Were they reviewed it and said everything I needed they had. They did not know why it was not refunded back to me per Capital One Management. Which I also have every conversation recorded. So management told me they had to get with there back room. Well the back room come back to me with now it has been to long. Which was to no fault of my own. They told me they would review and get back to me. I have heard nothing. They have just pushed my off again. I find Capital One to be fraudulent. They fully intended to steal my {$320.00} all along. They got the {$320.00} back for XXXX. Yet planed all along to keep it and not refund me.

Company response to consumer: Closed with explanation