BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: BlockFi Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My BlockFi account was used in a fraudulent manner. Despite numerous attempts and trying to communicate with this company this company has done absolutely nothing but denied my request for a credit in the amount of {$9300.00}. 
This transaction was done in a state of Nevada I was never in the Nevada when the transaction was done. 
The company claimed that an investigation was done any and if I wanted the the findings. 
I requested the findings and they were never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Our local XXXX chain of grocery stores regularly offers Visa and XXXX gift card promotional offers. During these promotions, I regularly buy large quantities of these gift cards to accrue rewards, and spend the gift cards for routine business activity. All of these gift cards are issued and serviced by U.S. Bank. 

Anywhere from XXXX XXXX XXXX XXXX of all of the gift cards I purchase are compromised and locked immediately on purchase. The only avenue US Bank offers to unlock, and replace the cards ( by sending me a new one in the mail ), is to call an overseas support line. This support line is regularly so backed up that the call disconnects and the automated system advises me to call back at a later time. The times that the call does go through, I'm on hold for half an hour, and spend another XXXX minutes resolving the compromised card. 

The issue at hand, is that the policy of the customer service representatives is they will only replace one single gift card per phone call. Due to the amount of cards I purchase ( and the sheer quantity of compromised cards I am sold ), and the impossibility of ever getting through, the policy US Bank has in place actually makes it impossible for me to ever get these cards replaced. There is simply not enough hours in the day, even if I did not work nor sleep, to replace these cards one by one over the course of a XXXX minute phone call. US Bank has provided no other avenue or recourse for me to have these cards replaced and by doing so is holding my money hostage. They have made it impossible for me to replace the cards.

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 2016-12-13
Company: HONOR FINANCE, LLC
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have set up payment arrangements for my account, and found out complaints on this company before the head office said I would n't be getting anymore call about my account until the end of my payment arrangements, but no one is noticed the account each rep that keep calling is getting ruder. Last rep has threatened to take my car at any time he wanted to because he is the only XXXX in charge of my account he do n't care who I talk before hand, and he when on disrespecting me to point i had to disconnect the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: GA
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 a MYEXPEIRAN account which I am unable to login but hen i try to dispute I am getting an error that I cant dispute online. Seems ironic every time I dispute I m unable to access dispute online but can enter my account to see information. Pls correct this issue as this is a hige inconevenice. If youve already verified my account I should beable to dispute in my account. 
As stated in previous dispute ( s ) the below accounts do not belong to me. Pls remove : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY

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 2022-07-20
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 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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 Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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, Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have noticed Wells Fargo has been reordering the order of my transactions to maximize overdraft fees on my checking account. This happens on a daily basis. Transactions over five days, will load at once a week later so my balance is never accurate. Furthermore, my deposits are greatly delayed so that I will also continue getting overdraft fees for days until the " pending deposit '' is applied. The general point, is Wells Fargo is manipulating the order of transactions, when transactions are applied to the account, and when deposits are applied to the account to ensure the maximum amount of overdraft fees.

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 2016-11-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I took out a mortgage with XXXX Bank XX/XX/XXXX. In XX/XX/XXXX I started calling the bank asking for help. They told me they could n't help because I was not behind on my payments. I kept hearing things on the news that there was help for people who 's homes lost value in the crash. I call my lender back several times and was told the same thing we cant help you unless you stop making your payments. So in XX/XX/XXXX I stopped making the payment on my home and was told I could do a loan modification were I submitted everything they ask for. They told me someone would get back to me. Months went by and I herd nothing back from them so I called to see what was going on. I was told they needed more info which I provided for them yet once again nothing from them and then in XX/XX/XXXX they started a foreclosure and on XX/XX/XXXX I filed a Bankruptcy and let the Trustee know of the Bankruptcy however they sold my home on the steps that Morning for XXXX. They Later returned the money to the buyer XXXX. The bank never contacted me after that for years and then they called wanting to know if I would like to do a loan modification again. I once again started the process with no luck I had not filed my taxes for a couple of years and had no proof of income. The bank has now started the foreclosure again and is set for XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and now that the bank is finally doing what they should have done years ago I 'm going to have to start the clock over to buy a home. This is going to cause me great damages not to mention I have been told that they have passes the statute of limitation of 6 years. They have tried to cover this up by changing the last Payment date to in the current Foreclosure to XX/XX/XXXX. This is not accurate and once again the big bank is taking advantage of the consumer/ Homeowner. I have called the Trustee and informed them of this they said they would look into it and get back to me. They never get back to me and the sale is still scheduled for XX/XX/XXXX. I do n't know what to do at this point but this is not fair they should have taken care of this years ago and now there cheating the system by changing dates and causing me long term damages. My loan was supposedly sold to Wellsfargo that who started Loan modification but it still shows XXXX bank in Notice of default very confused who is my lender. Please look at this and get back to me ASAP so I know if I have any options. 

Thanks 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 2017-03-05
Company: ORG GC GP Buyer, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I entered into a rehabilitation program on my defaulted account ( s ) and setup automatic payments each month to get my loans out of default. I noticed there was no automatic withdrawal on my bank account the next month ( month2 ) so I called the company who I have the arrangement with and gave them my payment information again. XXXX XXXX and XXXX I verify that the payment is withdrawn from my bank account. On Month XXXX I call the company I have the rehab agreement with to change my billing information, I am opening an account with a new financial institution and need to update my billing information. To my dismay, they inform me that I have n't been making payments and need to re-commit to the rehabilitation program. I check online and clearly see that the correct amount is being withdrawn monthly at the correct dates using the automated process setup over the phone. The company informed me that even if my proof of payments was satisfactory for them that I still missed payments and would have to start the program again. This is unacceptable to me. 

My original financial institution mailed me an official statement with the XXXX " missing '' payment information on it. I 've mailed a copy to the u.s. department of education and I 've emailed a copy to the company I 'm dealing with. 

I no longer trust this company. While in communication with them I 've had to explain the entirety of my situation to many new representatives and supervisors because they do n't understand details of my case. In order to stop that from happening a representative informed me that my case would no longer be moved but I was moved anyways. No matter how small, errors like that are unacceptable. 

I have started a new rehab program with the same company and have been making my payments on time. I believe my rights have been violated but I do n't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America is blocking all transactions involving Cyptocurrency. My card and agreement says it can be used in all places where XXXX is accepted. Bank of America should NOT be allowed to block my purchased because it doesn't like what I am purchasing.

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I contacted Chase regarding a credit card letter I received in the mail asking me to confirm my information. I had originally applied for a business credit card on XX/XX/2022. When I called the representative asked me to confirm my Social Security number and during the call I received a notification about a credit inquiry from Chase on my XXXX credit report. I asked the employee on the phone why she had ran my credit without my consent. I immediately asked to speak to a supervisor demanding they reverse the credit inquiry as I had not authorized the credit check. She refused to help me and stated I had authorized them to check my credit when I had applied on XXXX XXXX. There was already a credit inquiry on XXXX XXXX and I did not authorize the credit check from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Home Mortgage and Wells Fargo Bank took it upon themselves to make a payment in my father 's name from an account that belongs to my father in front accepting embezzled money that has been withheld from the owner of the property at the same time yesterday on a recorded line was stated that the loan was paid off several times and that when the loan was paid off in 2013 Wells Fargo made themselves the beneficiary along with others being the trustees where is the trustor and grant or XXXX XXXX XXXX XXXX has no possession of his home but Wells Fargo XXXX XXXX title XXXX XXXX and other companies are making money off this property illegally by it being broken up and sold XXXX XXXX specifically states that No entity may perform actionaction that specifically does not regard the utmost well being of the borrower especially when using limited powers of attorneys. full disclosure has been requested and ambiguous remarks and results have been given at no time has the accounts been disclosed on the currently being used for the security instrument guaranteed by this bank to belong to XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for Federal Mortgage assistance through Keep Your Home California. My loan servicer offered a loan modification but refused to accept the federal assistance funds. By declining the federal funds Wells Fargo Home Mortgage is rolling my delinquent balance back into principal and resetting my repayment at 360 months which ultimately makes a greater profit for the investor over the long term at my expense, in this case about {$80000.00} in additional interest. Wells Fargo Home Mortgage accepted a XXXX dollar bailout package from taxpayers, I find it completely unbelievable that they can decline accepting funds from a federal program that was created to help individuals in distress ... Especially those of use who are XXXX XXXX veterans from recent XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: GA
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've attempted to submit disputes through the mail for several different accounts that don't and never have belonged to me. There are fraudulent accounts from Credit cards to Auto loans that I never applied for. 
I've been trying to get these fraudulent accounts off my credit reports and off the original creditors for years now and they still appear. 
i need my name and credit restored to the accurate status immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was part of the Wells Fargo suit settlement in connection with enforcement action related to deficient mortgage servicing and foreclosure processes between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Now Wells Fargo has grossly mismanaged my home mortgage account, yet again. I entered into Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. BK Court gave amount I was to pay to Wells Fargo for mortgage, through loan Modification. Every time I went to Wells Fargo Bank to pay the set mortgage amount, they argued with me that that was the wrong amount. My check was already made out for that set amount. I did not find out until yesterday, that they have been unapplying my payments -- XXXX of them and them ONLY applying XXXX of them, eventually, at the higher payment amount. They NEVER honored the payment amount set in the loan modification of XXXX. Interest was taken out on all payments, however, they have now charged my account for {$21000.00} in past due interest, on my XXXX-yr. old loan, making my new payment more than I can afford. They have made excessive demands for additional documents and are only interested in setting this new loan modification up for them to foreclose. I am a senior citizen living on social security and need your help.

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 2020-12-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to SYNCB/AMAZON XXXX because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX. 2016 in XXXX, XXXX and XXXX reports prevents me from achieving the desired results. I am kindly requesting SYNCB/AMAZON XXXX  to remove this late payment from my credit reports as a gesture of goodwill.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently I had a public record item removed from my credit report as it reached the statute of limitations. I have patiently waited 10 years for this mark to finally go away. I initiated contact with Trans Union and after about 7-10 days they deleted the information, however they failed to recalculate my FICO. In fact my score prior to the dispute was a XXXX and after they updated and removed the public record, my score dropped to a XXXX. that is impossible!!! I went through the same process with Equifax and my score went from a XXXX to a XXXX after the judgment was removed, that's an increase of 72 points ... and with Experian I went from a XXXX to a XXXX, an increase of 44 points. I contact Trans Union about this and they said there was nothing they could do. Clearly, that is not true. It is ABSOLUTELY IMPOSSIBLE to have a judgment added or removed and not impact ones FICO. I work in the XXXX and a am very well versed in credit. Trans Union 's failure to properly report a accurate FICO to lenders in a direct violation of laws governed by the CFPB, FCRA and FTC. It is also a violation of my rights as the current FICO of XXXX does not accurately reflect my credit worthiness and due to their egregious gross negligence will impact and effect my ability to get a better interest rate.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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 the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021

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