BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Someone opened an account in my name at Wells Fargo.

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 2016-11-28
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had one payment past 30 days and it was reported on my credit, I had previously called to inform them of my situation and I have never been past the 30 days before, I feel they should remove it from my credit. My loan is with Wells Fargo, and I have had multiple loans with them and have always paid in a timely manner and that should be taken into consideration.

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 2015-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The Wells Fargo Bank is deducting money from my account and not reporting it properly on my bank statement. This has happen on XXXX different occasion. Their is a mysterious disappearance of money from my account. I filed several complaint nothing has been done on their behalf to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, Every so often my mortgage seems to increase significantly between $ XXXX and I am now retired and my husband is on Social Security XXXX. We XXXX are on a fixed income every month. I am also taking care of my elderly mother ( XXXX XXXX XXXX ) who has to live with me due to her medical conditions. With the sudden increase in monthly mortgage payments ( from {$1500.00} to {$1800.00} ) we are unable to keep up with the mortgage with Wells Fargo and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
Wire transfer done on XXXX ' 2016 coming from an XXXX customer, was deposited into the wrong account number and for the last 3 weeks I 've been dealing at different levels with Wells Fargo Bank and nobody seems to know where the money is or when it will be returned to the sender for initiating another transfer.

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 2016-11-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted Re-Entry documents to Wells Fargo for an FHA modification with an income that would more than qualify me. With the help of a HUD Consultant, I was able to do a proper analysis that showed I would qualify. Instead, Wells Fargo showed inaccurate and false numbers to disqualify me from Re-Entry to be approved for an FHA modification. The representative I spoke with in regards to the status of the Re-Entry was very unprofessional and initially refused to give me her name and ID #.

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 2015-03-26
Company: NAVY FEDERAL CREDIT UNION
State: ID
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine

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 2023-08-08
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:
Dear Experian, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 


9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit 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 2016-12-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My bank is Wells Fargo. On XX/XX/XXXX, I made a XX/XX/XXXX mortgage payment by bill pay of {$3000.00}. I did this without knowing that my wife set up automatic withdrawals for the mortgage payment. The payment posted and as a result the XX/XX/XXXX mortgage was paid. The following day, Wells Fargo withdrew XX/XX/XXXX payment of {$3800.00}, thus putting my checking account {$2800.00} in the red. After repeated calls and internal transfers, the Wells Fargo claimed it could not replace the funds or reverse the transactions because they ( people XXXX were not allowed to intervene. As of this writing, my account remains in arrears. I am told it could take another 4 days to resolve, but in the mean time, I am unable to access cash, and other automatic payments are being kicked back thus resulting in further fees and aggravation. Wells Fargo is the worst bank in the world!

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 2016-12-27
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo as mortgagee : I applied for modification, took nearly a year. The offer came back higher than my original payment prior to mod application They WF took a deferred second from a previous mod of $ XXXX plus and added it back into principal and tho the rate was lowered from 4 to 3.75 the additional principal obviously increased my payment I dont get where the RELIEF as in the word implies modification should increase my mo payment and WHY they would even think about adding back that large amount of money in my effort to seek RELIEF My PAYMenT WENT UP!

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 2016-10-19
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was a customer of navy federal during the period that they have admitted to wrong doing. My paychecks where with held multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 a account without my written instructions

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 2016-09-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a credit card that was secured. 
It was closed as I did not pay on it. 
But they did not allow this option for me when I did have funds to begin paying and called over the phone several time but get no where with them. 
now it is on my credit report listing incorrectly an amount owed? 
My secured amount was XXXX I owe XXXX as they have the secured amount?

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 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am relocating to California and apply for a loan of {$800000.00} to buy a primary home there. Wells Fargo is one of the lenders my relocation company uses. I submitted my application and needed documents a month ago ( XXXX XXXX, 2016 ) and still do not have an approval from it as of today. Its slow response and service level is UNACCEPTABLE. I also discovered yesterday that the loan officer misled me when he was quoting me the rate. There is no discount point to be paid under current market condition according to my relocation company, but he told me that a XXXX point discount is provided. Had I continue the path with Wells Fargo, I would have to pay {$16000.00} fee at closing. It appears that Wells Fargo has a bunch of incompetent people. For your reference, my loan consultant is XXXX XXXX XXXX ( XXXX ID XXXX ) at Wells Fargo Home Mortgage, XXXX XXXX XXXX XXXX XXXX, IA 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 2015-08-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Since the 1980 's possibly sooner my father has fallen a victim of the deceptive practices by large banks and real estate investors, i.e. Wells Fargo XXXX, XXXX and more no relief ever and most recently all his claims been erased from the system including email access. XXXX and Wells Fargo, also more. Remodifying his loans and refinancing illegally making him beleive he is in debt also foreclosure most recently as well as selling contracts out from under him illegally claiming interest or equity. Forcing sell or foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2015-06-22
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender was unable to explain to me why my balance owed is more than originally presented to me at application.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I fell behind one payment and was catching up on the missed payment and working with the company and they repossessed the vehicle

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 2023-08-08
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: Account status incorrect

Complaint:
To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2023-08-08
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: Account status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all moneta

ry damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the F CRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigiou
s consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX {$9100.00} XX/XX/2016

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 2016-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan with Wells Fargo. It is best to read all the letters that I will attach with this complaint to get a better idea of all of the the things they have done. Basically, they offered me a loan modification, went thru the 3 test payments then when I received the actual terms in writing they were not what was promised. This violated XXXX. Civ. Code Section 17770, et seq. & the case of XXXX v Wells. It was also a bait and switch. In fact, I would eventually be paying 2 % higher than I am currently paying. After I turned them down they started a pattern of harassment. They would constantly call me for payment, which had already been sent & cleared my bank. I hired an attorney who sent them a rep. letter. Yet, they continued to call in violation of the FDCA. Their next tactic was to arbitrarily change my escrow payment re property taxes. they wanted to charge me over {$200.00} more per month then they came to despite being given the actual tax bill. Then for some strange reason they stated they had " unapplied '' funds of mine for over {$2500.00}. They never explained why. They then arbitrarily changed the name on my statement from my name to my attorney. That has hurt me in trying to refinance since the statement is not in my name. My attorney wrote them to have them change it back to my name and they responded that as long as I am represented they ca n't do that. My attorney tried to settle the case with a proper loan mod. Their response was that I had to apply again. I did. And of course, they turned me down for no proper reason. The most recent tact is all of a sudden they sent a letter saying I am over {$8000.00} in arrears, plus another {$1300.00} in late fees. Now, they subtracted the {$2500.00} in " unapplied '' funds saying I am in arrears {$7000.00} in arrears and they are ready to start foreclosure proceedings. This all despite the fact that I have made every monthly payment & have the canceled checks to prove it.

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 2023-08-08
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: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: VA
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 contacted Experian to inform them that my personal information is incorrect and inaccurate and they refused my request to correct and update my personal information.

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