BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: Nationwide Title Clearing, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Nationwide TITLE CLEARING stated as XXXX XXXX XXXX XXXX # XXXX XXXX CALIFORNIA XXXX ON CITY OF XXXX  XXXX VA DEEDS OFFICE DEPUTY XXXX. DOCUMENT STATES AS FOLLOWS AND IS ATTACHED AS TIF FILE.. 
PREPARED A TRUST AND A PRIVATE CLIENT XXXX  ACCOUNT in my name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX STATED AND RECORDED AND ENTERRD ON XX/XX/XXXX BY CITY OF XXXX XXXX CALIFORNIA COURT AS..DOCUMENT # XXXX or XXXX as per attached XXXX file sent to me by deputy XXXX XXXX deputy clerk of the city of XXXX  XXXX va attached to ..GPIN # XXXX as recorded on document ON XX/XX/XXXX IN MY NAME XXXX XXXX TRUSTEES XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX NOTARIZED BY XXXX XXXX XXXX of XXXX California Entered XX/XX/XXXX Thru a private XXXX  client SERVICES account at XXXX private client services   bank ( I NEED THIS ACCOUNT NUMBER IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX california SIGNED BY THE VICE PRESIDENT WEALTH MANAGEMENT CLIENTS ... XXXX XXXX 
Loan # XXXX as stated on document recorded as DOCUMENT # XXXX or XXXX PREPARER by XXXX  XXXX  AT NATIONWIDE TITLE Clearing XXXX ISSUED FROM MY SOLELY owned property XXXX XXXX XXXX XXXX  XXXX va XXXX ATTACHED IS MY DEED OF XX/XX/XXXX ME AS Single individual us citizen of the USA IN MY NAME XXXX XXXX. 
THIS OFFICIALLY RECORDED AND ENTERED IN BOTH CITIES OF XXXX   XXXX VA COURT AND XXXX XXXX  CA. DOCUMENT is recorded at the city of XXXX XXXX va Deputy XXXX XXXX I am requesting all authorized documents and all linked ACCOUNTS and ALL XXXX PRIVATE CLIENT SERVICES HELD IN MY NAMES SINCE XXXX AND ALL wealth management accounts and services and insurance policies and all beneficiaries and payouts and images of front and back of all checks that were used during this prepared document by nationwide title clearing ... ON ALL THE XXXX PRIVATE CLIENT SERVICES BANK XXXX XXXX XXXX XXXX California ACCOUNTS during this transactions XX/XX/XXXX for fraud review and to recover my identity and recover my life savings stocks and other funds solely owned by me of way over a million dollars.PKYS INTEREST NOW.. I want to see who represented themselves as me XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX and the monies transferred in and out of these accounts I reserve all my legal rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WD Global Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A person from WD Global group, name XXXX XXXX called from a XXXX me saying that they are going to present charges with the state attorney on that very same moment if I didn't pay them the amount they were requesting from an outstanding deb from XX/XX/XXXX, The guy was so aggressive and sounded so serious and professional that I give him my bank account information. Next thing I know the bank calls me saying that someone initiated several wire transfers from my account and it looked like it was fraudulent activity.. 
I refused to give him more information and contacted a lawyer, the lawyer advised XXXX XXXX to do not contact me again and to send all information regarding the deb to his office but they refused to do so. 
Then XXXX XXXX contacted my son who is an XXXX Military saying that he will be contacting his commander in chief if we didn't pay {$2500.00} that same day. We contacted the lawyer again and XXXX XXXX was advised again to address the situation formally through the lawyer but instead they started calling me using the state attorney '' s telephone number. They even left a voice message pretending to be from XXXX XXXX XXXX, State Attorney 's office saying that I needed to pay {$6000.00} dollars that same day or I was going to be arrested. 
Today, XX/XX/XXXX. They Called my son again saying that there is a arrest warrant against and they will take it of if we pay the money. 

They keep calling and being very aggressive, I landed in the ER a few days ago after a discussion with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: MS
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:
Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.

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 2021-04-23
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one. 

Copies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months. 

The car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession. 

Two separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX  credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX  reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.

Emails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease. 

I have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it. 

XXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.

At no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail. 

The car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past 2 years I have received harassing telephone calls to my home and cell phones from a representative of AR ResourcesXXXX XXXX XXXX XXXX, XXXX XXXX Pennsylvania XXXX, XXXX. 

Their Representative has repeatedly called and harassed me over a student loan ( XXXX University ) debt that has been removed from my credit profile. He called me as recently as today. 

I would desire that the representative be disciplined and or fired and likewise the company be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to get a mortgage loan around XX/XX/2020 and found out about IQ Data International. I contacted them the next day over the phone for the first time to dispute the amount they were claiming I owed for an old apartment balance. I was told that since it was my first time contacting them in regards to the debt that they could offer me a one time offer to pay off the debt which was still less than the amount owed from the original creditor. I was told that I was being charged interest as a penalty for not taking care of the debt. I have attempted to dispute with the credit bureaus also since I found out about this debt on my credit profile the balance has gone up every month. I have documentation from XXXX County when it was discharged in court from the original creditor but I am not getting the necessary assistance to get this item removed. I have sent them a request to validate debt with my signatures confirming the debt but received a generic form back from the company. They never responded with their proof of debt but want me to pay for services that are inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
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 have documented all previous disputes and correspondence for the past year of the reporting of several accounts on my credit reports. The latest was a notification ( attached ) to the CRA s of pending litigation if they continue to violate my rights. Equifax has responded ( attached ) and stated that these accounts in question are not being reported on my credit report without sending me an updated credit report that reflects these statements, therefore I ordered a copy of my credit report ( attached ) that clearly shows the items being reported and highlights their violation and false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Company for XXXX XXXX that I was not aware of debt. I was on a payment plan with XXXX that I was told completed, with no documentation that I owed more. now collection company has called twice, the first time when asked for details they didnt provide and I mentioned fair credit reporting act they hung up. second call I asked for a manager. I asked that the file be sent back to XXXX to complete payment plan rather than pay collection agency all at once. Again, I mentioned fair credit reporting act and the rep tried to get me off the phone and told me collections would continue until I paid and would be put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: MO
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 am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX, was offered a promotional Home Depot Credit card ( CitiGroup ) with 0 % interest. 
I used this card for a single purchase ( approx {$4500.00} ) that year and purchased a fence for my yard. 

I have never missed a payment on this card in over 2 years and did not purchase anything further. 

In XX/XX/XXXX, I was suddenly ( with ZERO notice ) charged over {$3200.00} in Interest (? ). 
This card and the salesperson were misleading on the terms and no balances were provided to me notifying me of the pending transactions and expiring interest ( it was never 0 % interest, it simply compounded in hiding the entire time, and was dropped on me out of nowhere ). 

This is predatory lending and extremely unethical in my opinion. For someone as myself as a parent who has almost zero other credit card debt to be taken advantage of by 'promotional ' financing is truly unacceptable and should be criminal.

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 2018-02-02
Company: ALLY FINANCIAL INC.
State: AL
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:
The document Ally Financial has uploaded is NOT VALID. I have mailed Ally Financial a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at ally and at the dealership who worked with her to cook up this fabricated 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 2018-02-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/2016, I financed a vehicle with XXXX XXXX of XXXX. At financing, I opted to take the gap coverage. I am attaching a copy of my sales contract that clearly shows that the XXXX XXXX  was included at the time of financing. Unfortunately, a few months later, and accident occurred that totaled the vehicle. My standard auto insurance funded a claim, but as expected, the amount they paid was shy of the total left on the finance contract. This is where the gap insurance I opted for should have covered me. I have made repeated calls and visits to the dealership and XXXX XXXX about this matter, but they refuse to process my claim. The Nissan dealership, nor XXXX XXXX, does nothing to help me process my gap coverage claim. Instead, all they seem to be able to do is report that I have a {$10000.00} collection balance with their organization on my credit report ; despite the Gap coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX ACCOUNT NO.XXXX  WAS PREVIOUSLY DELETED FOR CAUSE BY EXPERIAN SPECIAL SERVICES , XXXX TEXAS . 
THIS WAS DONE ON THE PHONE FOLLOWING FAXED IN INFORMATION PROVING RE-AGING ON THIS ACCOUNT.D.O.F.D. IS XX/XX/2013 NOT XX/XX/2013.THIS WAS DONE MANUALLY BY THE EMPLOYEE AT XXXX APPROXIMATELY 18 MONTHS AGO. 
RE-APPEARING ACCOUNT AFTER DELETION IS AN FCRA VIOLATION BY EXPERIAN THAT CARRIES STATUTORY DAMAGES. 
THE ACCOUNT IS FOR RENT, UNPAID ON DUE DATE OF XX/XX/2013. 
UNLAWFUL DETAINER WAS FILED XX/XX/2013. 
EVICTION NOTICE WAS XX/XX/2013 JUDGMENT FOR RENT, ATTORNEY FEES AND INTEREST WAS ENTERED XX/XX/2013. 
THE FCRA REQUIRES DAMAGES FOR EACH FALSE VERIFICATION REGARDLESS OF THE EXISTENCE OF NEGLIGENCE.THE FCRA/CA POLICY REQUIRES REMOVAL WITHIN 7 YEARS OF THE DATE OF FIRST DELINQUENCY. 
ATTORNEY CREDITORS WILL RECEIVE A COMPLAINT IN CA BAR COURT AS THEIR ERRORS ARE BEYOND LEGAL INCOMPETENCE.

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 2021-08-13
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They repossesed my car during pandemicand then put the loan into charge off status. I am still paying on the loan and they are not taking the vehicle out of charge off status NOR reporting the payments i make to them. Furthermore they are imposing due dates on days they are not open. So if i pay the following business day the loan reflects as late. They repo after one day late.

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 2020-10-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe Wells Fargo Mortgage engaged in deceptive practices. 

In XX/XX/2020 I contacted Wells Fargo to look at refinancing my loan, both to get a shorter term and a lower interest rate. I completed the application, and signed a rate lock ( 2.75 % ) with 0 points.

At the time, I was told it would be 60+ days to close, so I asked Wells Fargo if I should send a large lump-sum payment to pay down the principal, or wait until the refinance goes through and use that as a " down payment ''. I was told to go ahead and send the lump sum as an additional principal payment. I have all communications with Wells Fargo that directed this. 

I made the payment in XX/XX/2020. In XX/XX/2020, Wells Fargo contacted me and stated that since my loan balance had been reduced by my principal payment, the rate lock was no longer valid, and I would have to pay points in order to get the rate I was promised. I stated that Wells Fargo TOLD ME to pay down the principal, rather than wait for refinance, to no avail.

I then looked at other refinance options. Since this is a VA IRRL, I quickly received a quote for 2.25 %, with no points. I told Wells Fargo to cancel my application with them. Only after I told them to cancel did they offer 2.50 % with no points.

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 2020-06-29
Company: Experian Information Solutions 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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2021-04-23
Company: FORD MOTOR CREDIT CO.
State: MN
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:
An account that were previously held by Ford Motor Credit Company is reporting wrong. The account was included in a Discharged Chapter XXXX Bankruptcy but on my credit reports the account in question still shows late payments and not the proper reporting. Under the Fair Debt Collection Practices Act, the account should show " INCLUDED IN BANKRUPTCY '' and should have previous late payments and Metro 2 data showing charged off account not showing up.There are numerous issues with the reporting that violates the law. When I disputed this issue with XXXX  and XXXX, the Credit Bureaus deleted the account for violations against the Fair Credit Reporting Act. When I first noticed the issues were in XX/XX/2021. When I noticed the issue, I disputed it with Ford Motor and the CRA 's. Ford Motor didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ford Motor Credit Company delete these two accounts off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation