BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
on XXXX XXXX i contacted wellsfargo to advise them i was unable to make payment and request a defferment based on lossing my job due to the natural disaster in florida that bankrupt and closed mywork place. i was told i was granted the deferment and would need to make payment on XX/XX/2023. however they still went and filed a 30 day late on my credit siting that i was denied the defferement on XX/XX/2023 in which i only learn of this on XX/XX/2023. I am not working and wellsfargo now states i owe XXXX and I am not working and they refused to remove the late when i was never told i was denied the defferement and recieved no indication I was late. the reporting has cost me my credit to drop XXXX points now causing me more financial damage.

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 2023-02-17
Company: Early Warning Services, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX 2022, I became a victim of a scam thru phishing. The scammers gained access to a zelle account that I have used once, several years ago. They removed {$500.00} from my checking account. Neither XXXX nor Zelle would return my funds. I have since deactivated the Zelle account, although its still listed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit report in XX/XX/XXXX while trying to do a refi on a home. A collection is reported from Professional Credit Management for {$170.00} with XXXX and XXXX says date of report was XXXX. 
I called the company and inquired PCM said it was for a XXXX  bill with XXXX XXXX in XXXX XXXX. I informed PCM I had never been a client there, and all my medical was done through XXXX PCM said I would have to file a police report for identity theft if it wasn't mine. 
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to the receptionist and then billing. She searched my name, my social, my birth date and married and maiden name and I was no where in there system, she searched back to XXXX. She even called old XXXX  that use to work in that office and no one had heard of me. 

XXXX XXXX then called PCM and informed them the data they had was not correct, and PCM couldn't provide enough information for a claim to be valid anyhow. PCM representative stated she wasn't for sure what to do since claim came from them allegedly, and XXXX XXXX informed PCM they should drop it due to lack of data and they were corroborating I did not owe them a debt. 

I contacted PCM again after my conversation with XXXX XXXX. And they said I would have to file a police report, yet they didn't have sufficient data and was informed by their client PCM data was obviously incorrect. 

PCM representative confirmed I had disputed it in XXXX  yet it didn't go anywhere and was still on my credit. 

PCM did not follow through with an investigation and is still trying to collect a debt I do not owe, and which was validated by PCM client.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, we talked by phone with XXXX and we sent you again via email proof of coverage " Full Value ''. 
XXXX XXXX XXXX XXXX confirm that the apartment has no improvements, so we do not understand why Selected Portfolio continues requesting H0-6 coverage. 
I would appreciate it if you could confirm the reason for requesting coverage H0-6.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} - You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 

DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} - You are presenting data that is distinct from that of other bureaus. I always make my payments on schedule and this account has never been late. At your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate. 

XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00} - You are reporting data that is distinct from that of other bureaus. In my opinion, I was on time on the dates you're mentioning. I never miss a payment because I always pay on time. According to FCRA, reporting must be completely correct, or the data must be amended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 spoke with some one from XXXX XXXX Capital One letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with Capital one I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sirs : Please refer to my prior complaint # XXXX dated XX/XX/XXXX, also against Yamaha Finance . Yamaha continues to stonewall my complaint, and has not provided CFPB with any response. 

Please be reminded that the only possible legitimate late payment occurred on Monday, XX/XX/XXXX, when they processed my regular monthly payment. Because Yamaha does not work over the weekend, they did not process my payment when my banks envelope actually arrived at their Texas XXXX XXXX XXXX I was charged {$39.00} late fee. I disputed the payment in a business letter dated XX/XX/XXXX, to which they never responded. 

Yamaha Finance then began to compound the late fee by alleging that I did not make a full payment by the due date. Thus, to mitigate the dispute, on XX/XX/XXXX, I mailed Yamaha Finance a separate check in the amount of {$39.00}, which was negotiated per my bank on XX/XX/XXXX. XXXX XXXX verification that they negotiated my check is an attachment to this complaint. My check contained the following endorsement on the front : Full and final settlement of all claims for late fees and associated penalties. 
Additionally, on the reverse, I wrote, Negotiation of this check is full settlement of the items on the front. 

Yamaha Finance accepted my conditions when they processed my check. There is ample case law on this point. Despite this fact, however, I just received a Payment Reminder Notice from them that states I have a past due amount of {$120.00}, copy attached to this complaint. Also, I receive almost daily harassing telephone calls from Yamahas bill collectors, who refuse to listen to reason. Note that I had adjusted the date my bank mails their check to Yamaha, so all payments after XXXX have been received on time. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I applied for XXXX XXXX credit card I was approved and I received a letter immediately after that they are closing my account without giving me a reason other than a vague reason indicating that my account and potentially be risk Ive called fraud prevention to find out why they closed my account as a concerned consumer, I would like to know the reason and I am given no reason whatsoever.

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 2023-03-01
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX &  XXXX XXXX XXXX XXXX has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Don't ignore my request this time to correct the following inaccurate items. 
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 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Resurgent ( Third Party ) several time, to provide with my wet signature to contract with them on this alleged debt that was reported on my credit profile to XXXX XXXX, XXXX and XXXX without my written Permission. 

Letter was mailed out on XX/XX/2022, requesting where I gave permission to report anything negative on my credit profile. 15 U.S.

Code 6802, 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), ( Letter Enclosed ) Letter sent out on 12/29/2022 requesting copy of contract with Resurgent, Copy of Itemized bill, Copy of my wet signature and copy of written authorization from me to report any negative items to my credit profile... Received a letter back from the collection agency stating that they are managing the account and sent out a copy of a computerized charges and non of the information I have requested above...

I would like these collection removed from my credit profile with all three credit bureau immediately because I have no contract with you and you are reporting fraudulent information about this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While in the process of purchasing a house, I reviewed my credit report and discovered a significant number of negative items listed. This is in direct violation of the 15 USC 1681 law, which clearly states that such damages should not appear on credit reports. The presence of these items on my report constitutes a clear case of defamation of character, which must be addressed. It is imperative that all information presented in this matter is accurate and relevant to the case at hand.

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 2023-02-17
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Block, Inc.
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:
I file disputes with cash app back on XX/XX/XXXX where someone stole my cash app card my house key my driver license my ssn card and my bank card and also I reported on XX/XX/XXXX my truck was broken into and my phone was stolen with some more information my truck was XXXX XXXX and money is being taking from my account and cash app is avoiding me by denying these unauthorized transaction I reported I have the transaction in my transaction history with cash app from XXXX {$16.00} {$45.00} and many more its like 7 transaction that was taking from my cash app I reported then soon as they start coming in after my family and XXXX  was sending me money thru cash app and cash app is denying these disputes the transaction for {$18.00} I do not know where this location is at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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:
We discovered pending fraudulent charges on our account ( USAA ) on the morning of XX/XX/. We immediately contacted the credit card company and gave them the information. They went through our recent charges and had us agree which ones were real and which ones were fraudulent. There were four fraudulent charges. They said they would be flagged and removed and cancelled our card and requested a new one. Since the charges were pending we were told they would just drop off and not go through. Well, two days later the two smaller charges dropped, but the two larger ones ( total about {$1600.00} ) were allowed to go through. We called again right away because our bill is due tomorrow, and we didn't know how much to pay because of what was going on with these charges that never were supposed to have posted in the first place. They told us that the person we talked to " accidentally '' didn't flag those two. We asked that they be removed right away so we didn't have these charges showing, have to pay interest on them, and so we would know how much to pay them since we pay the card off every month. They said they couldn't do that. I asked to speak to their " complaint department '' ( or whatever it is called- they told me they had a department when I asked ). They said they couldn't transfer me without me giving them my " account ID ''. I said " what are you talking about? What account ID? I don't even know what that is. '' I asked if it was a password. The operator said " no ''. Then I said " I don't know what ID you are talking about ''. And she just kept asking for my " account ID ''. I said I don't have that and don't even know what it is but am happy to prove my identity with whatever questions they wanted to ask. This went back and forth for a minute until I ended up just ending the call. They refused to let me talk to their resolution people once they admitted they " forgot '' to take off the charges and I was stuck with them until after my bill was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CBC Companies, 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:
I have communicated them and sent several request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Support Collectors, 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:
This company has not given me any of the supporting docs they said they would. And have not properly investigated the matter at hand. It has been over 90 days and still no proof.

Company response to consumer: Closed with explanation