BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle in XXXX, Wells Fargo Dealers Service financed this vehicle for me@ 10.99 % these payments were {$420.00} for 72 months. Wells Fargo claims I still owe money on this account. I have the payment history provided by Wells which shows all 72 payments being paid along with all late payment fees paid. Wells refused to release the title an clear up my credit report as paid in full. 
I have been to the local branch of Wells Fargo to no avail. After making several attempts to resolve this issue. I turned to the North Carolina Attorney Generals office. They sent Wells 7 letters requesting a response Wells sent a letter saying I owe but with no real explanation has to how they came to this amount. Again Wells still hasn't proved that I owe any money. I have ask Wells many times to show me how they come to this balance of {$460.00}. As of today XX/XX/XXXX, I still haven't received the detail information as to how the come up with this amount. 
Now using the very payment history they recently sent I calculated all the interest and came up with more interest paid than what my contract indicates. I was suppose to pay over the term of my contract. While doing this I noticed that the interest varied from month to month. I know that the interest is normally higher during the first months. But as time goes forward the interest starts to decrease but per my payments there is no constant decrease. They are all over the place ... Ex ... XX/XX/XXXX ... {$420.00} ... {$89.00} principal .... {$330.00} interest ... ..This is one of the many issues Wells not  doing their job ... ..XXXX XXXX ... {$420.00} ... XXXX {$260.00} principal .... {$150.00} int ... ..XX/XX/XXXX.. XXXX .... {$160.00} principal ... .. {$250.00} interest ... .plus {$10.00} ... other charges ... .These are just a few of many errors ... ... Wells needs to recheck where they put my funds and correct these mistakes. I want and have ask Wells to  send me a detail account as to how they come to there their acquisitions ... .Not send me another letter saying I owe {$460.00} ... I already have that letter ... But knowing what i see from their responses they aren't able to do this ... ..

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 2021-04-17
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021, I paid off my account with Money Lion Moneyplus Loan account in FULL!! Once the account was paid in full, then the account was closed a few days later which is how their process works. Moneylion just reported on my credit report that the account is closed but was 30 days delinquent when it was closed and this is NOT true. Also to note, the account was not an account that was closed then paid off. It was paid off and only closed because the balance was paid in FULL!!! Which is what they always do once an account is paid off. They are not reporting the most up to date account status at the time of closing for this account. 

I have included supporting documentation to confirm that the account was paid off as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: Sovereign Lending Group, Incorporated
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When signing for a loan estimate with Sovereign Lending Group on XX/XX/2019 I was told I had 48 hours to cancel the transaction. After reviewing the documents I questioned several items via email ( on XX/XX/XXXX ) and didnt receive a response. As the 48 hour deadline approached with no response I requested a cancellation and my deposit refunded on XX/XX/XXXX. This was for a VA XXXX which didnt require an appraisal, pest inspection, or points but I found all of those items within the loan estimate. I specifically told them I would not sign an agreement to purchase by down points but they slipped that on there as well. I heard back from them on XX/XX/XXXX saying they were unable to read their emails and they apologized. They didnt address the cancellation or any questions I had posed to them. Consequently, I ended up having to challenge the charge on my credit card. I just heard from the credit card company and they stated they received a response from Sovereign Lending Group in XXXX XXXX, CA. They are reviewing their response but it appears Sovereign is trying to keep the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Atlanticus Services Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Originally, I set this account up in XXXX, and automatic payments were coming out until XX/XX/XXXX, when they stopped. They were sending bills to another home that I have and should have been sending them to XXXX XXXX XXXX, the home that I had the security system from XXXX set up in and the address that bill belongs to. I received late notifications to my home in XXXX, TN, and was unaware that this account had gone delinquent. When I called on Thursday, XX/XX/XXXX, to express that I was agitated and demanded that they reopen my closed account, return my late fees and update all three of my credit reports to reflect current and never late. I received an email today, XXXX, that returned {$78.00} to me in late fees, though I believe that I am owed more than that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
The law firm of Celentano, Stadtmauer, Walentowitcz, LLP ( " debt collector '' ) has continued to notify me by mail about a medical debt that is incorrectly directed to me ( XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX ), as I am not the primary account holder or member name of the group medical insurance policy associated with the false claim, and the claim is baseless as the insurance provider ( XXXX XXXX XXXX XXXX ) paid the agreed upon rate for this claim, and the hospital ( XXXX XXXX XXXXXXXX XXXX ) is simply abusing the billing process and adding additional out of pocket costs to my family. 

I have attempted to contact XXXX XXXX XXXXXXXX numerous times via phone about this claim to dispute it, but their customer support lines have wait times over over an hour in most cases. 

I have had email communications with XXXX XXXX XXXX at the above mentioned debt collector, last being XX/XX/2023, explaining the incorrect nature of the two claims ( incorrect person as the member name ( account holder ) of the insurance, and the excess charge for agreed upon rates already collected ). The information and documentation provided by the debt collector clearly shows the discrepancy in the member name as the primary account holder with XXXX, XXXX XXXXXXXX ). 

On XX/XX/2023, I received another postal letter from the debt collector, saying a lawsuit will be filed against me no earlier than XX/XX/2023 in regards to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay XXXX months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XXXX ( can't recall date but XXXX can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call XXXX XXXX ( XXXX XXXX  ) and told the rep what the first rep from XXXX told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first XXXX reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a XXXX month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess.

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 2023-01-04
Company: EQUIFAX, INC.
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:
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] 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 -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Delete this account and cease and desist with all collection activities. 

I AM NOT A CREDIT REPAIR COMPANY. 

ATTACHED IS THE COMPANY STATING THAT THEY NO LONGER ARE REPORTING THIS INACCURATE ACCOUNT. EQUIFAX IS REPORTING ACCOUNT THAT IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: LA
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 submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and I dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$810.00} XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureaus ' investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out my account was closed by Wells Fargo on XX/XX/2023. The account had approximately {$10000.00} if funds. I learned of the closing of the account when I checked my account online. I have received no explanation from Wells Fargo and can not access the account. When I call Wells Fargo I receive different explanations as to where my funds went and why my account was closed. These funds are all of my savings. I need the funds for my college tuition which I now can not pay. After I learned my checking account was closed, I attempted to move the funds in my savings account to another bank. Wells Fargo then closed that account and I can not access approximately {$2500.00} that remained in that account. I have recieved no written explanation whatsoever from Wells Fargo. When I ask them why this occured via telephone I can not get a response.

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 monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
On or around XXXX XXXX XXXX my wife and I applied for credit at XXXX XXXX XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a XXXX and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XXXX XXXX XXXX I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: LA
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:
I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act accounts XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 a section 2.it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-06-11
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Date account opened on my report from citi cards is innacurate. I do not have original contract but would like to request, balance is incorrect on both and without my original contract I need this to be verified because there are innacuracies scattered throughout my creditor and collections ( both of which are still on my report ). Supposedly citicards sold my debt to XXXX in XXXX but continued to report and raise my balance all the way up until they closed it XXXX of XXXX. So the original creditor and supposed collection agency they sold it to were both reporting and raising the balances for years. I moved states early in the pandemic and haven't had contact with either of them and when I went to check my credit recently I was shocked with all of the innacurate info on my report. I would like citibank to verify my original credit limit, the date the account was opened, a good excuse as to why they just closed an account XX/XX/XXXX that they sent to collections in XXXX. Citi the original creditor continued to add an innacurate balance for years. XXXX continues to add collections and i would like them to send the original contract with the APR on contract to see if they have overcharged interest over the years. I sent validation letters 2 months ago when this came to my attention with no luck and with the original creditor reporting to the agencies on something they supposedly sold 3 years ago with multiple innacuracies such as date opened, balance and not showing as charged off its a little confusing on who owns what. It doesn't make sense that an original creditor can keep something open with so many innacuracies after selling debt to collections for years and citi still showing good standing and closed due to inactivity is beyond me

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