BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX XXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA XXXX INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX XXXX US FED BRC XXXX  XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN.

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 2023-04-22
Company: Auto Properties II, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my XXXX chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on XXXX XXXX XXXX XXXX. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-01
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was in a car accident on XX/XX/XXXX. My car was deemed a total loss. I followed all protocol and informed the lender and all insurance companies. Global Lending Services LLC was the lender. They were paid {$19000.00} by the insurance. There was a remaining amount of {$6400.00} in which my GAP insurance coverage would be covering. Global Lending contacted the GAP Insurance on XX/XX/XXXX to inform them of the remaining balance owed. The GAP insurance paid the remaining amount owed in XX/XX/XXXX. 

Despite the fact that the total amount would be covered by my insurance as well as my GAP coverage. Global Lending Services says I have an outstanding balance of over {$1400.00} ( they have since changed the amount to {$2000.00} ) for car payments from XXXX to XXXX. I do not own the car and it was totaled during the months they claim I owe them a payment. THE ENTIRE LOAN AMOUNT HAS BEEN PAID OFF BY INSURANCE, thus there is no loan to even make payments toward. The three car payments would go to directly profit Global Lending. It was confirmed by supervisor XXXX that the loan amount was {$0.00} and the three payments would not go toward that loan as insurance paid the loan in its entirety. The company is just trying to profit off of my misfortune. Due to the fact that there was a three month lull in which the GAP insurance did not pay they are extorting me for these car payments for that three month period. I am not responsible for how fast or slow the GAP insurance made the payment. Again, the loan was paid in full but they are still threatening to report me for not paying three car payments in the time that they awaited GAP 's payment. 

I agreed to pay the interest amount on the loan amount owed by GAP ( approx 6k ) but Global Lending will not accept that. They want three full car payments although the car was totaled and the loan amount is at a {$0.00} balance. 

They are threatening to report me to credit agencies and extorting me for these payments. They claim they will cease action if I start to make payments and will back date the " paid in full '' status to XX/XX/XXXX when I got in the accident. This alone shows they are not entitled to these payments and are willing to " work out a deal '' for money they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a XXXX on XX/XX/17. Since then I have asked for XXXX accommodation and for last five months Wells Fargo bank branch in XXXX XXXX zip XXXX has denied that. 
After at least three complaints to their customer service department I received a letter stating they are going to close my accounts in next three weeks.

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 2020-05-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have three transactions with Paypal that have not been resolved. I ordered three different products from three different vendors in XXXX. None of them have arrived and Paypal has not refunded my money. Their resolution center isn't working either. 
I am fed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-04-01
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:
I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX XXXX XXXX in XXXX Virginia.on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: MO
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 paid my lease off XX/XX/18 ... XXXX aka XXXX XXXX XXXXXXXX XXXX Spoke to XXXX the Mgr after I sent a receipt showing the account was paid in full, she said they are not responsible to remove the fraudulent balance and to call the 3 credit agencies and have them delete it. I made all payments on time and have the payoff letter..This should not be on my report they should remove this ... 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 2018-02-09
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 have had my credit information with Experian up until XX/XX/17, but some reason they deleted my file and I can not get a reason as to why? I keep calling XXXX to try and get someone on the phone. I enter my social security number, address, but it will not let me speak to anyone. It hangs up on me. Recently I tried to raise my credit limit with XXXX and go declined because my history was not in my report. The other two bureaus have my information, but this one does not. I am providing my three forms of identification to prove my identity

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 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I reviewed a current credit report and noticed several student loaned reporting to me which I have not applied for. There are a total of 4 loans opened to me fraudulently and the dates are 2 on XX/XX/XXXX which is also when the fraud started and 2 on XX/XX/XXXX and is also the last date the fraud took placed. Since then I have contacted the creditor and have made them aware of my situation which they resulted in starting an investigation, and I have even taken it as far as filing a report with my local police department to help assist fighting this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has been harassingly me concerning this debt that is not mine. I have tried to dispute and even requested that verification be sent, they are constantly calling me from various numbers and on one particular call even insinuated that I would be served by a sheriff. Even disputing this debt several times, they are not validating this. They sending some statements that appear to be from years ago. I have requested to have any original paperwork, contracts, applications with my signature to prove that this debt is mine, which it is not and yet to receive any of that. This has become too much. They keep updating this on my credit profile, stipulating that it is open, how can an open account be in collections from years ago. It is so much going on with this collection company. Sending me statements with some unknown address does not validate the debt is mine. The harassments and sending statements needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a request to Equifax Information Services on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
on XXXX i requested a method of verification with equifax for the following account that is inaccurate, obsolete, unverifiable BK chapter XXXX # XXXX. They failed to verify it, i am stressed that they violated my consumer rights. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. 
It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

A prevailing plaintiff may recover the costs of the action plus the greater of ( 1 ) statutory damages of {$1000.00} for each act of unauthorized inspection or disclosure or ( 2 ) the sum of actual damages plus, in the case of a willful inspection or disclosure, or an inspection or disclosure resulting from gross negligence, punitive damages. I.R.C. 7431 ( c ). 
I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged CHAPTER XXXX BANKRUPTCY # XXXX showing on my credit report. 
I therefore request that you remove immediately this Bankruptcy from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-22
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
On XX/XX/2023 Lexis Nexis was sent a letter notifying them of inaccurate personal information on my lexisnexis report. The Public Records information as stated on the report as well need to be removed as well. I have a letter from the courts that states they did not provide this information. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The credit reporting company Equifax is totally and completely incompetent. Three months ago I could not log into my account with them and spend two hours on the phone correcting the issue. Now three months later I once again and locked out of my account. It has taken two days on the phone for hours to finally speak to a representative.

They now want to to mail them an ID to be able to allow me to log in my account. What is wrong with this company. Typically one can reset a password but this company is totally unable to deal with deal as seen in the leak of millions of citizens credit data last year. 

Equifax really needs to have fundamental change if not outright takeover of their operations since they clearly can not successfully accomplish the task of credit reporting. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Affiliate Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent a letter to collect a debt for XXXX XXXX XXXXPendrick Capital Partners . It was in my maiden name which wasnt my name at the time this supposed XXXX XXXX occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Im filing this complaint against AMEX Blue Catd. For the past two days, I have been dealing with Amex customer service folk on a very unfortunate issue. Back in XXXX, I was a few days late with my payment. A month later, my intrest rate was reset to 29,9 %. I was shocked, saddened and angered after speaking to Amex staff about this matter. They recognized my excellent payment history and over 50 plus year relationship with them. Amex never notified me of this ridiculous interest rate change and seem very sheepish in wanting to address it in a constructive manner. I made it very clear on the phone with Amex that my XXXX bill statement was paid but you still went ahead reset my intrest rate. I find this to be absolutely criminal as we come through a global pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
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:
I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -SYNCB XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent in a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reasonable to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly. I demand these accounts be deleted immedetily or I will file for litigation due to the stress you have caused. My information was impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation