BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX XXXX For over a year, Procollect failed to provide information or evidence that I owe XXXXXXXX XXXX I didnt have an active lease with XXXX XXXX, and I dont recognize this company. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX XXXX XXXX. 
As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination lease fee due to damages to the apartment from XXXX XXXX  XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 
I request that this be removed from my credit file immediately.

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 2023-06-30
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Venmo Help You have a new message from Venmo regarding request XXXX  XXXX. To respond, simply reply to this email. 

Hello XXXX XXXX, We initiated a trace regarding your withdrawal of {$500.00} initiated on XX/XX/XXXX. Our records confirm the funds were posted to your account ending in XXXX. Please contact your bank 's ACH Department to find the date the funds were credited to your bank account balance. Please provide the following trace number to your bank 's ACH department : XXXX. 

As of today the money has not been transferred. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am XXXX this complaint against Cash App. I have filed a few disputes with this company and they have violated my right every time. The past three disputes that I have dispute were unauthorized transactions and cash app never even investigated and when I gave them proof of them being unauthorized they didnt care. They also didnt give me adequate documentation of what they used to make the determination on my claims I let it go the first two times but this is now the third and also right after denying my dispute they closed my account. I am hoping someone could help me. 


The first was for {$25.00} when my debit card was used at a gas station a few miles from my house. 1 I dont have a car. 2 I called said cash station and they said that I was a male who used my card and they will fully cooperate with what ever my bank need to issues a refund. Cash app never disputed the charge. 

The next one was for {$20.00} a few months prior I order something off a website well apparently they kept my card info and months later after changing their name and website randomly charged my card. I found similar stories from people this had happened to and sent that info to cash app along with everything that I found out to show them that I wasnt the only person and once again there didnt even investigate The last one was for {$39.00} when I got charged for a subscription that I cancelled. I showed cash app the cancellation email stating I canceled that subscription and cash app ignore my dispute and closed my account. And then I emailed support to file my dispute again and find out why they closed my account and they denied my dispute without proper investigation. 

Total of {$86.00} All three times I asked for documentation that they used to determine the outcome of my dispute and every time they only sent me a copy of the charge nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Requested a Fobearance on XX/XX/XXXX, was looking sell my house and purchase a new build ranch style home because I am disabled. On XX/XX/XXXX had credit report ran by XXXX XXXX XXXX  who notified me of this I have been disputing this and Im getting no where and records show two different for race date Im being run around in circle, Im being told lies on when to call back and this has really damaged my credit I can even do anything which what has happen. They set up an auto pay without my consent and I had be paying during forbearance to get caught only to be this I was overpaying during this forbearance. 
Please help I alone in this, do I need an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: MOHELA
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:
I am asking the CFPB to contact Mohela to get them to forgive the remaining balance on my student loans. 
On XXXX/XXXX/2022, I submitted a completed, signed PSLF application to Mohela, in order to seek forgiveness on my student loans based on the fact that I have over XXXX  months of on-time, completed loan payments. 
According to Mohela 's website, this forgiveness review should have taken up to XXXX days. We are now past XXXX  days ; I can not get anyone on the Mohela customer service helpline, and I have all the qualifying payment information submitted to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Maximus Education, LLC dba Aidvantage
State: MI
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 complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX  paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter out XX/XX/2023. My tracking number is XXXX to remove personal information that i dont want on my credit report. According to the fair credit reporting act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is suppose to share my information to a third party.

These are clear violations of my federally protected consumer rights.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: CO
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 original request for Experian to correct and update information on may credit report on TWELVE of my accounts began in XXXX of XXXX. They fixed ONE account, so I followed up in XXXX of XXXX, Again NOTHING was done, so I submitted a complaint through cfpb - and the response I got was absolutely NOT what I asked them to investigate in my complaint. I made it very clear that ELEVEN of these accounts are XXXX XXXX XXXX and XXXX  ( student Loans ) and not to mention they are ALL CLOSED AND PAID IN FULL. Now their response says " they verified with the furnisher and they responded that the information is reporting accurately '' NOT ONLY IS THIS FALSE INFORMATION- EVEN IF THEY DID VERIFY WITH THE FURNISHER - IT IS REPORTING INACCURATELY. 

A PAYMENT STATUS IS SUPPOSED TO REPORT AS THE CURRENT PAYMENT STATUS. 

How do you report a payment status saying " paid was past due 120 days '' when there is no reported two year history, and it obviously shows closed and paid in full? This is an FCRA VIOLATION- it is outdate- incomplete- inaccurate - what ever word you want to use, but it is wrong and harming my credit score. - These are for the XXXX XXXX XXXX accounts there are 5 of these. 

The XXXX accounts- there are XXXX of these- are all over XXXX XXXX XXXX. They are reporting payment status as " Paid was past due 120 days '' as well as a two year history from XXXXalso per FCRA guidelines you are not to report a history older than XXXX XXXX XXXX. And they were all 6 paid in full and closed. So the payment status is WRONG and the two year history needs to be removed. 

The last account is kashable- again this account is current and has been current- they are reporting a derogatory payment status of " current, was past due 30 days two or more times '' which this again is WRONG and outdated. the thirty day late they are reporting XXXX of XXXX is INACCURATE they are the only bureau reporting that late payment and I was not late. 

So this being the FOURTH time I have asked EXPERIAN TO ACTUALLY READ THE COMPLAINT AND CORRECT THE INFORMATION THEY ARE REPORTING INACCURATELY, NOT THE FURNISHER, IF THIS IS NOT CORRECTED ON ALL TWELVE OF THESE ACCOUNTS I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT DUE TO THE BLATANT DISREGARD FOR LAW AND THIS HAS BEEN GOING ON FOR OVER 6 MONTHS!!! 

I Have included the 4 letters that were sent certified mail, Ive included my cfpb complaint that was submitted in XXXX, I included their ridiculous response, and Ive included a copy of ALL TWELVE accounts credit report with the payment statuses highlighted.

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 2023-03-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a vehicle XX/XX/2019 with a monthly payment of about {$650.00}. A few months in I have called for a deferment because I lost my job at the time. Unfortunately I didn't keep names or dates, but it was a fairly simple call the person had me on hold to take notes and said your payments are deferred. A couple of months later I checked my credit and saw it was not being reported until the summer. Then I saw late payments on my account and when I called I was told they don't offer deferments and that my car was in a repo status. I had to make payment plans of over XXXX a month include multiple late fees and though at the time I just started a new job I could not afford the payments. They tried to even put me on a payment Plan XXXX, and when I made these payments, credit acceptance kept putting me late every month because I could not make up for the balance of prior months. The payment needed to be paid in full or I would not get an on time payment I contacted my local XXXX XXXX XXXX and was lucky enough to refinance and was told I can dispute those late payments and I have tried by sending bank statements, I've tried with XXXX XXXX XXXX, and XXXX. I remember a phone call I had with someone at corporate and they told me sorry for the misinformation but there is nothing I can do for you. 

There are 8 late payments at over 120 days reported, this doesn't represent me as a creditor. I have a current car loan, no late payments and a car loan prior to Credit acceptance no late payments. 

They dont allow customers to listen to the recorded calls, They dont allow late payments removal though other companies do especially when they understand if the customer usually pays on time and the car was refinance paid in full. This has affected my life in such an negative way. Not being able to get the apartment or credit card or even a new car on my own. 

I was paying XXXX for a car that was purchased for a bout XXXX more than double I was paying. I also purchased the care XX/XX/2019 and made the first payments at the XXXX but on the statement it says its started XX/XX/2019. I emailed the CEO and he sent me to a department that works this. And you cant called them, they call you. I know there is a law suit against them I wasn't to take them off my report. This is abuse they took advantage of people that needed help. I lost my job because I didn't have a car.

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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I spoke with Chase bank fraud department today, XX/XX/XXXX, to tell them about fraudulent use of my checking account to pay an XXXX bill which is not mine and was not authorized to be paid with my account. I gave them dates and amounts. XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XXXX for XXXX and XX/XX/XXXX for XXXX. I asked that i get the money bank for these fraudulent withdrawals. I was told to call XXXX who would not help since I did not know the thefts name and address on the account. XXXX did admit that my bank account was paying the thief 's bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX has my money in a segregated account, as a financial planning feature ( known as a XXXX ). Balance in this XXXX cant be used by regular checking account activities. Because of a website failure, I cant move funds to the checking account segment to use them. I called Amex, and they claim theres no way to get me the money that the bank is holding in deposit for me. 

I called XXXX at about XXXX XX/XX/2023, on a call that lasted about 24 minutes. I first spoke to XXXX. She informed me there was no supervisor available and there was no way to get me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a VA mortgage through Wells Fargo where I feel it was mishandled. Would like to know if Im elgible for compensation being that I might have been harmed by illegal activity during the life of the loan.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
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  Account # XXXX Account Name-XXXX  XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name-XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX Account Name-XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXX ) Account # XXXX Account Name-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 : I
t 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 explanation
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Ran my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more on XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CENTRAL BANCOMPANY, INC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Alright I want to share a XXXX  for Central Bank, called Bank Central only in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I initially applied through the Central Bank 's website for this account, and was then denied as I needed to apply through Bankcentral.net as I lived in CO. I couldn't find any referral links for bankcentral, however the url of : XXXX XXXX XXXX shows the same checking account bonus so I went through that page. 

I applied, made a direct deposit of ~ {$250.00} and before I could make any more transactions to my new account I got a shutdown letter stating they were going to close my account within 10 days. I couldn't get an answer as to why but eventually someone told me it was because I used an invalid referral code, which is odd as most banks won't shut you down if you don't meet a bonus requirement they just won't pay out said bonus. 

To add insult to injury I had to call a few times to let them re-enable external transfers so I could get my funds out.

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 2023-03-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a late notice. My payment was mailed through the XXXX. The payment was lost by the post office. I informed Toyota that the payment was lost. They refused to remove the 30 day delinquent from my credit report. If you check my credit history I have never had a late credit fee or charge ever on any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$390.00}, XXXX  XXXX Date Opened : XX/XX/2022 Balance Owed : {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Please update this account as paid in full as its been paid off for months now and you have not updated. 


XXXX XXXX XXXX Account number XXXX Account type Balance {$41000.00} Balance updated XX/XX/2022

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