BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I owned a property that was foreclosed and I never contested. I do n't even recall being served but I received a letter from the court that a judgment was entered for the XXXX trust on the house, which was owned by Wells Fargo. Wells Faro 's attorney garnished my wages and I was making payments for about two years. Sometime around XXXX 2013 I get a letter from the attorney stating that my garnished wage order was dismissed. I spent literally 6 months trying to get an answer why, and never got a response. I have emails from the attorney and Wells Fargo, but no response as to why. I suspected that there was some time of violation, but did n't know who to talk to or what was possibly improper. I learned about the SCRA while taking my XXXX and suspected that the violation was charging me 10 % interest for over a year while I was on XXXX. When I attempted to contact the lawyer they wrote " We no longer have this file. Please call XXXX XXXX at ( XXXX ) XXXX at Wells Fargo Bank. She will be able to answer your questions. '' XXXX XXXX passed me on to another employee who told me that she knew why, but that legal would have to tell me. I called several times requesting information and never got a response. I figured something was very wrong, because of the sudden, " you do n't owe us anything. We ca n't talk response. '' I would like to know why I stopped paying and if my rights were violated, what is my recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Uber Technologies 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: Credit inquiries on your report that you don't recognize

Complaint:
I never gave permission to any one to view my credit for any reason I have tried to call company and left messages without return info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
The reason you use pay pal is because of buyers protection. They have proof on my account from experiencing fraud due to several flagged accounts but yet they dont close them down and they continue to let consumers suffer. This problem Im receiving with XXXX XXXX XXXX is regarding adding organic views to my XXXX channel in XXXX days. When I ordered it I put it in the pay pal msg notes need in XXXX  days. I showed proof that the XXXX views ordered almost half dropped. I emailed the company they ignored me and waited another XXXX days and they were not up so I complained to pay pal. I needed it up for a deadline and it was not there so I asked for a partial refund. Pay pal did not honor or protect me and denied my claim without proper investigation. I selected the reason full refund but I clearly said in my Notes I only wanted {$120.00} of the {$170.00}. The supervisor reopen the case with the right reason partial refund and I sent proof XXXX times that the views keep dropping. The company rushed to do it now that I put a claim in. I no longer need the views! It was for a reason a particular date my page was being judged by an award committee The company but XXXX traffic was also cursing me out and harassing via email when I said stop sending the emails. I reported this to pay pal also. After dealing with this unprofessional company they again deny my case. Pay pal is fraud! There is no buyer protection! They did not give me any credit for what I endured and I showed the proof the views dropped. They are not honoring there buyer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: VA
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 is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax suppose to have investigated a Tax lien that is showing up on my credit report for {$1100.00} which is incorrect yet they are saying it is reporting accurately. Tax Lien Reference # XXXX. Please be advised that this is my SECOND WRITTEN REQUEST asking Equifax to remove the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the correct name of that individual, their business address, and telephone number because the number you provided was n't correct. 
XXXX Law Dictionary, XXXX Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a very old account still listed on my credit file which is past the 7 year mark. I have disputed and requested verification and nothing has been received. This is not accurate and should not be listed. The original creditor even has removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: RS Clark and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX.I have never had an account with this company RS CLARK AND ASSOCIATE XXXX, REMOVE from all credit agencies from reporting. 
XXXX.consumer means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are RS CLARK AND ASSOCIATE the debt collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX {$520.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$4700.00} XXXX {$1100.00} CREDIT XXXX {$900.00} XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 'm writing to complain about what I think are excessive Late Fee charges over time. After deferring payments on this private loan for the maximum time, a year, because I was n't earning enough income to make my payments, I had to start making payments. I was fortunate enough to get a XXXX job so I could do that but my payments were still often late over a period of XXXX years, so I was charged many late payment fees. Those fees have totaled over {$350.00} so far and I think those are QUITE UNFAIR AND EXCESSIVE, especially considering my interest rate on this private student loan is over 12 %. Congress needs to write laws regarding the maximum late fees allowed yearly on private student loans. Having these private loans has certainly discouraged me from getting more education, something that would certainly benefit me in the job market. So my question is, is that what excessive LATE FEES and ridiculously high student loan INTEREST RATES are supposed to do? Are they supposed to DISCOURAGE people from pursuing graduate degrees? Is that what Congress thinks will be BEST for the economy, or do n't they think in those terms?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
3 facts ( equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). 
XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( XXXX XXXX  Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. 

I have attached XXXX and Equifax reports to show the discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife and I have a joint account with Capital One. She sent a wire transfer of the balance : {$2900.00} to my XXXX account XXXX weeks ago and requested that Capital One close our account. Instead, Capital One reversed the transfer and locked the account and are refusing access for no reason. They initially claimed the wire was n't " cleared '' though XXXX confirmed there was no issue and the problem was with Capital One. There are no branch locations where we live ( XXXX ). Capital One says they will send a check in XXXX business days and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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 got a loan for a XXXX XXXX XXXX thru XXXX XXXX  located in XXXX mo in 2019. I had the jeep for a week and the front end would make a very loud pop coming from the suspension when braking. I brought it back to them which I got hassled about it but they told me to leave it there. I came back next day the manager said they checked it out and they found nothing wrong. I took the vehicle and on the way home it popped again and over the next weeks it got worse. I finally called them and told them I didn't want it if they didn't fix it which I missed a payment they repoed it but they said they looked at it again and they didn't find nothing so I made the payment and got car back. It got worse so I told them I did not want it. They said no problem .I made a XXXX down payment plus XXXX paymentswhicj my payments were {$450.00} a month They came got it they resold it and I was out {$1600.00} and got a report on my credit I'd like to have my money back and the repo taken off since they turned around and resold it and took my XXXX for a lemon

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 2020-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Wells fargo is suing a naive person like me who debt was discharged three years ago, my brother XXXX XXXX who is a XXXX patient is also suffering more and has got more sick because of this frivolous lawsuit by Wells fargo. 

I never received summons and complaints at my address ( Please see attached ), a bogus, fake proof of service has been provided to the court ( XXXX XXXX courthouse : Case No. XXXX ) just to get a default judgment against me, these methods are being adopted by Wells Fargo to extort innocent people like me. 

I came to know about the case just recently when one of my family was casually checking cases on XXXX XXXX court 's website. 

Wells fargo is a blood XXXX, money hungry greedy bank who just wants to make money by hook or by crook.

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 2021-11-23
Company: Experian Information Solutions 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:
Experian and XXXX have violated my privacy right under the XXXX law and my right under the fair credit and billing act and XXXX. I have XXXX party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a XXXX violation in the attachment. 
XXXX XXXX XXXX Account number 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