BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: BlueChip Financial
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took a payday loan out and have been unable to pay it back, received several harassing phone calls. Received phone call just now  XXXX   XXXX   2017  and they told me they were suing me for wire fraud and were coming to serve me at my place of employment. I called the phone number  XXXX  for the offices of  XXXX   XXXX  and  XXXX  and spoke to a gentleman who stated they had an affidavit from my bank that I had falsely obtained funds via bank wire. He asked me when they could serve me the paperwork and I said I would be off at  XXXX . He then asked me if I wanted to resolve this debt on the phone right now and I told him I wanted to see the paperwork first. He then told me they were coming to arrest me right now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Betterment LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX, Betterment decided to lock my checking account with no previous notice. 
When I called cs no answer was given and I was asked several personal questions such as XXXX and XXXX deposits and using the debit card overseas. I replied to all the answers over the phone and email. 
No action was taken as of XXXX of XXXX and I can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: T.S. Holdings
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/XXXX. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. 

I filed my CFPB complaint on XX/XX/XXXX, and got a response from the company. The company never addressed my concern regarding the technical issue through CFPB or phone call through their customer care. Instead, they just sent a paper copy to dismiss my complaint. Last year, their rep offered the paper mailing and the paper copy never arrived at my address. My critical personal info was further exposed to some random people due to mailing of paper copy. That's why I would like Equifax to fix the website issue so I can get my report electronically as it is supposed to. 

The company didn't fix their website portal error when I use annualcreditreport.com to request Equifax report. Instead, they just sent a paper copy. 1 ) Paper mail of credit report is not safe since the last report in XXXX got lost by post office. 2 ) Paper copy is bad for our environment, not eco friendly. 3 ) Does that mean, I still have to file a CFPB complaint each time to get an Equifax report? Why not resolve the issue fundamentally? The company either did not even read the complaint, or on purposely ignore the root cause of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom i t may concern : The following informatio n is my contacts : Attorney at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Missouri  XXXX   XXXX  --  XXXX  or  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   ,  MO  XXXX   XXXX  In   2016   I filed Bankruptcy with my Attorney. I did NOT include my mortgage in the bankruptcy. When the bank was informed of the bankruptcy their attorney charged me {$750.00} to investigate the bankruptcy. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the bankruptcy and that I have not made any payments on the loan.  <P/> I tried to contact the bank attorney and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my attorneys secretary who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.  <P/> I know the bankruptcy will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.  <P/> How can I get this fixed? Can you help me? Please see what you can do to help with this situation.  <P/> Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: General Motors Financial Company, Inc.
State: NC
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:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. GM FINANCIAL Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX  XXXX, NC XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft Account Number : XXXX Please remove it from my credit report. 




Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$78000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$78000.00} -This is not my account.

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 2017-06-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire  transfers.This is false advertising and this is not how it worked out for me when I used their service. <P/>I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. <P/>When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. <P/>{$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.

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 2017-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I by accident overpaid my bill and have a {$220.00} ( CR ). I 'd like that money back. They have issued in a check to return to me. They just keep it on the bill as a credit.

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 2022-09-12
Company: CITIBANK, N.A.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

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 2022-09-12
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX  more recently, and I'm sure Transunion will be just as useless as XXXX  and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.

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 2017-06-14
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a mortgage on a new build, and the lender that the builder asked me to go threw was  Guild  Mortgage  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  the broker that I dealt with was  XXXX   XXXX  Loan Officer  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX  M :  XXXX  | F :  XXXX  NMLS #  XXXX  | Company NMLS #  XXXX . Before filling out the app I asked him if he had an employee by the name of  XXXX   XXXX  which he responded yes I told him that she lives  XXXX  behind me and that I ha d Manny pro blems with her and her husband thats when he assured me that my file would be to his eye 's only, after that a week goes by and she called me to ask me about my file that she was not supposed to have access to. Since that day I am always checking my credit report fearing that she or her husband might do to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2018-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To Whom It May Concern, I XXXX XXXX sent my father {$550.00} 2 times through XXXX via mobile number XXXX From Chase to his Bank ( XXXX XXXX XXXX ). My father received confirmation XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX that my account will be credited but he never received the money. Called Chase said money went to the matching name and phone number and kept giving me a run around, transferring me from person to person as no one knew what to say or do. I have spend many many hours off work to try to handle this and still hasn't been resolved. It is a lot of money to me and I hope and pray you guys can assist in getting my money back. It has been 2 months of stress and I feel as I will be loosing that {$1100.00}. 

thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One lied in its answer to CFPB Complaint XXXX. Capital One stated it could contact XXXX bank to verify the account. Capital One refuses to do that. I have contacted both the fraud department and their customer service on XXXX multiple times practically begging them to contact XXXX. The one response I got they left a voicemail wanting me to call with my account info ready. I don't know why they don't have the account info already. After that I attempted to contact the fraud department to ask them to email me with a list of info they need so that they can contact XXXX bank. I haven't received a response. I don't know if someone straight lied or if someone just doesn't feel like doing what Capital One said they would do in their response to CFPB Complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a PayPal account in the amount of XXXX. After numerous calls to XXXX XXXX and PayPal- I was told by PayPal that my account was paid in full and never turned to any collection agency.

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