BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently been a victim of a Identity Theft. As a result, I filed a report with FTC, Ohio State Attorney General and other local agencies. This, unfortunately, is the 2nd time as someone filed Federal and State IRS taxes, fraudulently in my name. The Feds and State have records of this.

Well, this recent Identity Fraud involved filing Unemployment Claims in my name. This is under an active investigation. With this being said, I was instructed to pull my credit report. And to my surprise, this Company Plaza Services was reflecting with a {$2800.00} balance. 
I do not know this company or what this said, debt is from. 
When I looked them up and called them to verify and validate thisdebt, the rep REFUSED to do so. 
She said they do not have any info on this debt, such as original dates, payments, amounts owed or collected on. She couldnt give me any information as she said, they dont have to, if I wanted tosettle, I could, but she wouldnt give me any other information. 
This is reflecting on my credit report and as a victim of Identity Fraud and in compliance with Fair Debt Collections Act, I am entitled to this information. 
I want this removed from my credit and thisdebt collection company investigated for violating my rights in addition to unfair and unlawful business practices

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital1 XXXX XXXX XXXX in XX/XX/XXXX and met the stated terms and conditions to receive a {$500.00} welcome bonus ( via promo code XXXX ). However, despite telling me on XX/XX/XXXX via a recorded chat ( that they confirmed having ) that I had met the terms and would receive the bonus within 60 days, they have denied me the bonus, citing that though I did meet the terms of the deal, I did not meet their intentions and they would not be paying the bonus. 

I cycled deposits from external accounts to exceed the {$50000.00} deposit amount required to meet the conditions of the bonus XXXX terms copied here from their email advertisement on XXXX " Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. '' Capital 1 is informing me that I had to have a balance of greater than {$50000.00} in the account at XXXX point. But the terms say " deposit at least '' and not " a balance of at least. '' One agent informed me that the terms were muddied and that there is technically no reason why what I did would not have qualified me for the offer, but that they were not going to pay it out because their legal and risk team had reviewed it and told them not to pay it. 

I feel taken advantage of by a big company with a legal team that is openly stating that I met the terms and conditions, but not their intentions, and that therefore they would not stand behind their terms and conditions. Additionally, they verified that a chat agent told me I would receive the bonus ( at a time when I still had 20 more days to do something different to meet the terms if they told me at that point I had not met them ). 

I have written documentation via email, time stamps for phone conversations, and other documents for all of this even confirmed via Capital 1, but they will not honor their terms and conditions. 

Phone Conversations were initiated on XX/XX/XXXX at approx XXXX -- ET, with specific remarks in question between XXXX ET and my final conversation with a representative named XXXX on XX/XX/XXXX at approx XXXX -- ET. 

My reference ID for this case via XXXX is : XXXX A similar, but less detailed complaint also will be submitted on behalf of my spouse. Because of issues with my account, we have not tried as much to get it paid, but have been denied it still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$470.00}

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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under 7500 but the very first billing statement from XXXX XXXX  stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over 1000 dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX  still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX  could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with TransUnion making the process very difficult. The account was finally closed in Fall XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist. This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?

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 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX OF XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX  Inquired on XX/XX/2023.

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 2020-12-31
Company: EQUIFAX, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
I have been sending Equifax & XXXX  information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my XXXX  & Equifax Credit Reports and after finally receiving the XXXX  report, it would not allow me to proceed to receive the Equifax report. 

Then it wouldn't let me back in to get the Equifax report saying that it was no longer available online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had my cash app a point for some time now and they closed my account once, I reached out to report them and they gave me my money back. Now they have closed it again and I have no way of transferring my money to my bank account. I own a business and this money is now being taken from me during these hard times of the pandemic. I have tried numerous times to e mail them and they say they cant give me my funds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX removed And XXXX removed all items and experian is the only credit company who is not following through My identity and my business was comprised accounts were opened and used under my name and social and Id and I have suffered a lost because of all this I would like it removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 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, AE XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022

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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
I have been sending XXXX  & Transunion information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries.

As I understand it, they have 30 days to respond, which must be made available to me by law.

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my Transunion & XXXX  Credit Reports and after finally receiving the Transunion report, it would not allow me to proceed to receive the XXXX  report. 

Then it wouldn't let me back in to get the XXXX  report saying that it was no longer available online.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : 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 ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX ran two Hard Inquiries on my credit report ( experian ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.

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