BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A third Wells Fargo rep by the name of XXXX XXXX has replied again using same general form response which basically states numerous attempts at resolution made, exhausted all efforts ... As stated numerous times prior and again here, this reply is entirely bogus as there were no such attempts such as reaching out via email, phone, or otherwise. Further, such attempts are not detailed and should be if true.. I can assure the CFPB and any other third party, Wells Fargo reps are lying ... I've called their Executive Office Phone Bank numerous times, reps do not seem to be familiar with mediation program and can not locate a XXXX XXXX, a rep whom replied initially via CFPB portal whom also used reply mentioned above..They attempt to refer me to one of settlement administrators whom have nothing to do with mediation program.. Recently, I've been attempting to resolve fraud check issue, I mailed in an affidavit on or around XX/XX/18 and it was returned back to me. The check copy was mistakenly not included with it, I left a message with a XXXX XXXX about thison XX/XX/18, he assured me he would frwd check copy to fraud with explanation about missing check and email XXXX XXXX in re as well ... It appears he did not as the affidavit was mailed back to me due to missing check copy.. I believe XXXX was supposed to frwd check copy as well, not sure, it appears he did not ... I scanned copy of affidavit and check copy on XXXX, emailed it to XXXX, this could have been avoided had he and XXXX contacted fraud prior as mentioned ... Along with affidavit and check copy, I explained to XXXX that mediation might not be necessary if a settlement amount is available, which I would consider. It appears no settlement offer is available, only through mediation.. In closing, should fraud investigation conclude with no check reissue, I will need an address to mail notice of small claim suit to as I did not receive funds.

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 2021-03-24
Company: Experian Information Solutions Inc.
State: UT
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:
My ex husband while we were legally separated tried to file bankruptcy twice with my name on it and I didnt know about it, agree or sign anything and it is showing on my credit report and I tried to dispute it and it wont give me a reason why they are keeping it on my credit just saying it will stay on there. This is preventing me from renting an apartment and buying a car. Along with it not being legal or right for this to be on my credit. There is a chapter XXXX and XXXX showing dismissed.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: GA
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 submitted written request to XXXX, XXXX XXXX, and Experian about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.

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 2017-05-29
Company: EQUIFAX, 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 have had accounts opened in my name fraudulently. It has been ove r six  months, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says  XXXX ,  XXXX , AND  XXXX  but the address is wrong because mail gets returned. When I  XXXX  them, there is an entirely diffent name listed on the their website. Says  XXXX ,  XXXX , and  XXXX . There is no way Equifax has verified accuracy with a company listed as  XXXX  name and then double reported as another amount, but I know they keep items on consumers credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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
Consumer complaint received 2016-10-06
Company: Senex Services Corp.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Senex services placed an entry on my credit as a collections I have asked them to validate the debt with no success I have contacted oringinal creditor and they stated I have no outstanding balance nor has anything been sent to collections with my name birthday or ssn. I want this entry removed and i want them to follow the laws as far as debt collecting. They have severely impacted my credit on a bogus claim I owe money and if not resolved I will pursue legal options if this is not validated and or this entry is not removed from my credit. I have no statement with Senex Services nothing with there name and address. or phone number i had to get online after my credit alert notified me of a deragatory entry on my credit. I have contacted and visited original creditor and this is not a valid debt1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Wednesday, XX/XX/XXXX I contacted XXXX XXXX about refinancing my mortgage. The first mortgage company to call me was AmeriSave. I started the processes with them. They lead me to believe that there offer would most likely be the best offer but told me they would beat any better offer I got by {$500.00} but it had to be a locked-in offer. To get there lock I had to give them a {$500.00} nonrefundable fee. They failed to tell me that no-one else I talked to would require this fee. Most of the other companies I talked to gave me better deals. I was told I had 3 days to shop the loan. On the third day, I sent the general loan information on the better offers to them and did not hear back for 2 days so I assumed they were not going to match and went with a different company. Turns out the loan officer was sick and never bothered to let me know. He had my text information and had previously sent me a message. He knew I believed I only had 3 days yet never bothered to let me know he was out. I sent them an e-mail letting them know I had picked someone else and did not get a message back until 2 days later. I talked to the Texas division manager a few days before my closing to get my {$500.00} back. They told me that because I had not close I could still break my agreement with the other company and they would still beat it. I told him I would not go back on my word. The loan officer kept telling me how  honest he was but failed to tell me that most other companies would not ask for a refundable deposit. He said he knew for sure that XXXX also did that. If they truly believed that most other companies would require a fee to lock in my rate and they would only match locked-in rates than that 500 $ was a way to force me to go with them. I got a better offer from everyone else I talked to and everyone else also told me that would beat any other offer. If everyone else can do that I see no justification for that charge and would like it back.

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 2022-03-16
Company: Allegiant Capital Recovery LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX called my fathers phone and uncles phone and left voicemails XX/XX/2022 XXXX have contacted and left voicemails repeatedly for me on my XXXX phone. 

But have never called me emailed me or mailed me anything. I need this XXXX to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions 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 would like to come to some sort of closure with  XXXX  billing, This all started aro und  XX/XX/2016 .  I joint the  XXXX   XXXX  for life plan, big mistake! It was at that time a free service, in which I was bille d 3  payments of {$380.00} which I paid! I should never have billed for this service, I contacted  XXXX  on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying  XXXX  until I got it rectified! I have tried numerous times to get this fixed with  XXXX ! I had tried to contact them online through  XXXX   XXXX  online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional  manager  who handles these matters for  XXXX , again no reply! Needless to say the account was then sent a very unscrupulous collection agency,   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX , So far they breached my email account   XXXX   XXXX   XXXX  , which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal, and these reporting agency 's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number :  XXXX  I am also contacting a Lawyer to see if I can start a class action law  suite ! Ag ainst the credit reporting agency 's and this so called   XXXX   XXXX   XXXX  ! After doing online research it seems that I am not the only one that has issues with  XXXX   Billing  practices!

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 2016-03-15
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Nationwide Financial Group
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open an account with  Nationwide  Bank on  XXXX   XXXX , in  XXXX   XXXX  my daughter received a check for  XXXX  dollars from her taxes, I place the check on my account. The bank cashed the check and frozen my account. I sent them all requested paperwork, proof of address, my completely life to the email provided, and asking to please open my account to be able to withdraw my daughter money or to reverse the transaction to the original check sender. My daughter lost the  XXXX  tax money return. On  XXXX   XXXX  they reopen my account and I find they taken $  XXXX  monthly maintenance fee for the account, for about 12 months, I sent to my daughter via bill pay {$1000.00 } (  same name on the original check cashed by the bank ) they frozen my account today, again and start asking for the same paperwork I s ent one year ag o. I promptly sent all to them including the original check in my daughter name copy. Nothing at the moment, they have my money about  XXXX  in hold. These people are thieves, they account said they accept third part checks, I never overdraft this account. I need to recover my money, I do n't have money for hires a lawyer. Every time I call they told me I will receive a response within 2 days, is not true, the last time they told me that the bank keep my money in hold for 12 months!   I sent them my address proof, citizenship proof, the original check images, in my daughter name, also I have all correspondence via email from and to the bank.   Please help me!

Company response to consumer: Untimely response
Consumer complaint received 2022-07-16
Company: LEXISNEXIS
State: GA
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:
Applied for credit for a personal loan. Credit Bureaus advised a bankruptcy was on my credit and verified by lexisnexis. This is incorrect information. I want to know how this information is being reported on my credit report. This is hurting my chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: ALLY FINANCIAL INC.
State: NJ
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:
Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to 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 2021-08-26
Company: DISCOVER BANK
State: NJ
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:
Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
TD bank is charging me {$170.00} in overdraft fees for using my debit card before a check cleared the next day along with charges on my card so the money was there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for assistance after my mortgage almost doubled causing me to fall behind. I hired an attorney to assist me in putting together an application for assistance. My attorney sent in my application on XX/XX/2020. After calling to see if they received it they are telling me I have to resend my bank statements and circle the rents I receive. I have already put check marks next to the amounts for rent. I applied previously and the same mortgage company kept saying they needed bank statements over and over after I had already sent them. It appears they are doing the same thing this time. Why would it matter if there is a check mark or a circle next to or around the amount I receive for rent is beyond me. In addition, my attorney called to discuss this with PHH and the person was rude on the phone and put my attorney on hold and left him on hold refusing to transfer him to an attorney. This company is purposely evading reviewing my application for assistance every time using bank statements as an excuse. According to my attorney this is a violation of RESPA Regulation X ( 1024.41 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions 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 would like to come to some sort of closure with XXXX billing, This all started around XX/XX/2016. I joint the XXXX XXXX for life plan,big mistake! It was at that time a free service, in which I was billed 3  payments of $XXXX which I paid! I should never have billed for this service, I contacted XXXX on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying XXXX until I got it rectified! I have tried numerous times to get this fixed with XXXX! I had tried to contact them online through My XXXX online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional manager who handles these matters for XXXX, again no reply! Needless to say the account was then sent a very unscrupulous collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX)XXXX, So far they breached my email account XXXX, which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal,and these reporting agency's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number: XXXX 
I am also contacting a Lawyer to see if I can start a class action law suite! Against the credit reporting agency's and this so called professional collection agency! After doing online research it seems that I am not the only one that has issues with XXXX  Billing practices!

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 2017-05-29
Company: Innovis
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 was a victim of identify theft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this mess. XXXX, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel, 3 separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my XXXX report. XXXX is being reported two times and with a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
This complaint is regarding Wells Fargo. XX/XX/XXXX I refinanced my home mortgage taking cash out to make home repairs, pay off an auto loan and pay off an installment loan with Wells Fargo. On XXXX/XXXX/16 I made the final payment on the installment loan at a local Wells Fargo branch. This check included a slight overpayment. The payment on the loan, final accrued interest and overpayment were all processed on XXXX/XXXX/16. On XXXX/XXXX/16 Wells Fargo reversed the entire amount paid on XXXX/XXXX/16 telling me the loan payoff was coded incorrectly. The representative on the phone told me on XXXX/XXXX/16 the loan payment was being reprocessed and should be back dated to the actual payment date. In the meantime, Wells Fargo is telling me the same installment loan is past due and put a {$39.00} late charge on the account. On XXXX/XXXX/16 I called customer service to find out why the reprocessing of the loan payoff still had not gone through. I was told it was still in process. On Saturday, XXXX/XXXX/16 I went to the local branch where the original payment was made back on XXXX/XXXX/16. The personal banker called on this same installment loan and was told the payment was not made correctly. And that Wells Fargo is reprocessing the payment. This personal banker in the branch said everything was applied correctly on her end, so she felt this should be resolved and soon. Today, XXXX/XXXX/16 I contacted Wells Fargo customer service via phone again and was informed the bank check from the title company was returned for insufficient funds twice. We contacted the title company who confirmed verbally the check for the loan cleared their bank on XXXX/XXXX/16. Account numbers and check numbers were confirmed. Payments were due on this installment loan on the XXXX of each month. The loan is now XXXX days past due according to Wells Fargo. Yet I have a receipt with a transaction number proving I paid the loan IN FULL on XXXX/XXXX/16. This loan pay off was rolled into my current mortgage with Wells Fargo. So I feel they are trying to collect on the same debt twice and/or lost {$6800.00}! I keep getting told by Wells Fargo " we need to research this '' but no one can seem to get this resolved.

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