BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Albert Corporation
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Albert ( banking services provided by XXXX Bank XXXX ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ 200+ every 30 days for 90 consecutive days Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by XXXX. Opened an account using his referral link on 1/5 and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying they are not seeing it. 
I followed all the requirements correctly. If it's a problem on your end, fix it. 


Request Albert ( XXXX Bank ) issue me the {$150.00} for me opening the account and satisfying the requirements

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PNC Bank N.A.
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, PNC BANK add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Never said AMEX GOLD XXXX XXXX XXXX benefit was limited to main cardholder during enrollment Failure to inform and missed credit Chat & " management '' refuse to assist and blame fault on user

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are 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 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 I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-23
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently in a Debt Relief Program. XXXX XXXX called my place of employment @ XXXXest, XX/XX/XXXX. Asking the receptionist to speak with my husband or myself. 
Then again, another phone call on XX/XX/XXXX @ XXXXest. They have my cell phone number but are attempting to reach my at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud! 

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX  XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX  {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11  ) XXXX XXXX {$0.00} XX/XX/XXXX 12 XXXX XXXX XXXX {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX   {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference XXXX XXXX # XXXX XX/XX/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 2019-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
this company against J.P chase bank. about returned items stem from a order that the court place on my wife account back in XX/XX/2019 account end in XXXX. some time on or aboutXX/XX/2019 chase make a statement the federal/ state law required us to place a hold on your chase account which may include the deposit box ( es ) at no fault of my wife. and I did not have no account with chase bank.never have no check with them, dose that time the hold was place on her account for a number of month cause a number her items to be returned back to her creditor. on XX/XX/2019 the hold for XXXX was Dismissal of Garnishment. and remove. I do not have personal check with chase bank my wife have an account, with chase bank, it was a big mistake on the court to place that order hold on her account. now XXXX XXXX   have place information on my credit history and that is wrong in so many way, because of this court order. and chase was knew are should have known that I did not have account with them. chase need to notify this company XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX and correct this mistake asp and remove. chase have these information they should not have report this information in the first place, it was wrong. my wife own the account and there is no judgment against her. but chase place it on her account they need to make it right because they cause all of the returned items to be returned. the court dismissed the order. but to lest. if not i.am going to suite for chase damage my name and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX : Property address XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I was given a modification by Seterus Servicer on XXXX. I have been making all of my payments on time. However Seterus servicer has been making mistakes on my account that have made me very XXXX and have had a toll on my health. This is my third complaint in less than three years. Three different serious mistake Seterus XXXX has done on my account. XXXX XXXX has my account suspended due to a mistake on their part. 1. ) I received a letter from Seterus XXXX datedXX/XX/XXXX stating that A payment that did not belong to my account was inadvertently posted to my mortgage account and XXXX reversed the payment that was posted in error. ( please see attached ). 
Again I find myself being threatened by Seterus on foreclosing on my house, due to their mistake. Seterus wants me to make extra payments. I dont have any extra money to make extra payments. I have made all of my payments on time. 2. ) My escrow payments should not have increased. I had a senior tax reduction on my taxes that started on XXXX and I faxed the proof on such reduction on XXXX ( see attached ) again Seterus gave me a hard time acknowledging this information and providing me with a new mortgage payment and statement until months later.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XXXX 2025. Beginning in XXXX of 2021 I began to contact XXXX, XXXX and Transunion via certified mail disputing this information. I was informed by all 3 companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on 4 separate occasions with all 3 bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my 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 2022-10-05
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:
Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  CA XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX TEXAS XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXXT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Block, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX and XX/XX/XXXX the recipient was supposed buy car parts never received parts or confirmation of parts ordered and Cashapp would only help with one transaction. I have requested it back with no response. Cashapp is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase and the kohls return policy is standard 180 days but for this item they say they changed some things and now can not return. Item literally chemically burned my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: WA
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:
Equifax is in willful noncompliance with FCRA 605B ( a ). 

On XX/XX/2019, I sent by USPS ( tracking # XXXX ) all of the attached documents, which fulfill the requirements for a mandatory block of tradelines under FCRA 605B ( a ).  According to the tracking info, Equifax received my documents on XX/XX/2019. FCRA 605B ( a )  requires fraudulent accounts be blocked WITHIN 4 BUSINESS DAYS when receiving such documents. It has now been 6 business days, and the accounts are still appearing on my credit file.

Today, the 6th business day since Equifax received my documents, I called and spoke to a customer service representative. The representative informed me that the documents had been received, and it may take up to 30 days for an investigation to be completed. This is illegal. FCRA 605B does not allow for a time extension to conduct an investigation. The fraudulent accounts must be blocked within 4 business days. 

Willful noncompliance with the provisions of the FCRA are punishable by fines and attorney fees as described by FCRA 616. 

XXXX and XXXX  have fulfilled their duty to block these accounts, but Equifax seems to believe it is above the law. 

The accounts in question are : XXXX XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1000.00} XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TrueAccord Corp.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an unsolicited letter via email from TrueAccord acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.

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 2023-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
company is forcing us to pay for a loan for goods and services we did not receive. 
company has now after 2 years, when they are aware the truck engine blew right after purchase are trying to force us to put full coverage on the vehicle or they will charge us more premium rates. continue to force us to pay late fees on a account that was fradulently created. they continue to steal from me and my XXXX kids.

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 2023-11-28
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Over the past several months, there have been MANY fraudulent transactions from my bank account ( XXXX XXXX XXXX ) being sent through Cash App to accounts I do not know. 
Several years ago, I had a Cash App account because I got paid from a side job off the books using Cash App. After that job, I closed my Cash App account and have not used it since. When these transactions began happening, I signed on to my old account again to see if these transactions were happening through there- but they were NOT. 
I have spoken on the phone with both XXXX and Cash App and they both tell me to reach out to the other company. I spoke on the phone to XXXX person at Cash App who seemed to be helpful- he was able to see that there are two Cash App accounts with my name on it- probably the one I used several years ago and another one created by someone else. However, our conversation got cut off and I was never able to get in contact with him again. NO ONE has been helpful in getting my money back. 
I do not have access to my XXXX account currently, ( Due to the amount of fraudulent activity and the amount of times that I needed to dispute charges, they made the decision to close my account. ) so I am unable to show the charges. I am missing around {$30000.00} since the beginning of XXXX and I believe there were more charges through Cash App from before that.

Company response to consumer: Closed with explanation