BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax was recently hacked and I have been affected due to this issue. Because of their lack of security and infrastructure, I likely have to put my account into a forever loop of fraud alerts to protect my financial identity thieves from ruining my life. 

The failure to inform their clients since the initial hack in XXXX - now XXXX, and the quick sell out of investors speak otherwise of what was really going on in the background while trying to make money off of customers and still trying to please their investors. Please investigate this company for insider trading, fraud, and fine the company for practice maleficence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-02-11
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I co-signed on a car loan in that was opened XX/XX/XXXX. In XXXX of XXXX payments fell behind and the car was voluntarily surrendered to the recovery service until payments could be made. Ally Financial promised the vehicle would remain in the recovery yard located in XXXX OK. However, the vehicle was relocated to XXXX XXXX and in transit was damaged. 

I was informed by the XXXX XXXXXXXX Auction facility the vehicle was scheduled for auction and a hold was not placed on the vehicle. I was forced to obtain the receipt of payment, acquire a satisfaction letter from Ally Financial, and provide the proof in person to the auction service in order the remove the vehicle from the auction sale bill. 

I was forced to lose an entire day of work in order the rescue my property from illegal auction. I have contacted Ally hundreds of times to satisfy the claim or remove their claim from the credit reporting agencies to no longer slander my credit score. This is a malicious act on behalf of a massive lender who has failed to comply with a previous debt validation letter. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Thank you for looking into this matter. I wish you actually enforced something.

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 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax mishandled my personal information as a result of the data breach announced in XXXX 2017, which included names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. This puts me and millions of other people at risk. I have verified that I am a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NY
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 Bank Account # 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 2022-07-13
Company: Experian Information Solutions Inc.
State: NY
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 Bank Account # 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 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 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to capital one, 3 cards there XXXX, XXXX, XXXX these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re tge posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: I do not know
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:
XXXX XXXX XXXX XXXX debt, l was paying my bill on time and good standards until XXXX made payment at branch in XXXX md and said did not get payment and went bank to bank and told play cameras bam and refuse?? So stop making payment and hire XXXX to dupuste matter and write off as bad debts and file law suit XXXX XXXX court got judgements and take ssi out bank 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 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/XXXX - Equifax reported getting 'hacked ' back in XX/XX/XXXX-XX/XX/XXXX and losing personal information for 143 million US adults. 

XX/XX/XXXX - Checked with Equifax ' " Potential Impact '' website ( https : //www.equifaxsecurity2017.comXXXX ) to see if I was affected. Upon checking, I get the message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Put a 90-day fraud alert on my credit and will now have to constantly be paranoid about anything/everything that will occur from the misuse of my personal information that Equifax was too inept to properly protect in the first place ( information I never willingly gave them in the first place ).
This is not something that can be resolved with one year fraud protection which Equifax promises using their TrustedID Premier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

1

5 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my last endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I called TransUnion to report the credit inquiries on my credit report were unauthorized. TransUnion refused to help me dispute and remove the credit inquiries. These are the credit inquiries I did not authorized : 1. XXXX  XXXX 2 XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX XXXX 9. 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 2017-09-08
Company: EQUIFAX, INC.
State: KS
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:
Equifax mishandled my information, as well as the information of millions of others. I am listed as a potential victim according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is a result of the data breach of Equifax on XXXX XXXX, 2017. They mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also they did not notify anyone quickly enough and admit that they will not notify everyone. This is extremely unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: CO
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 completed a mortgage application with XXXX XXXX XXXX the last week of XX/XX/2021. Experian sold my information without my consent to other mortgage lenders. I have been bombarded with emails and phone calls from mortgage lenders due to Experian selling my information.

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 2022-07-13
Company: Experian Information Solutions 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 account # 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 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 2020-02-12
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I been trying to fix my credit I contacted the Credit bureaus and to fix the reporting issue but keeps come back as not Account been settled when called they told me to contact the original lender and Collection agency they both tell me their not the reporting partys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Recently, this company has started garnishing my check without my knowledge. They never warned me 30 days prior. They never showed me how much I owe or anything. I am attaching a letter that explains of the private loan and the creditors. The loan is over 15 years old and seems to follow the statue of limitations of private loan rule. all of sudden in 2019 they garnish my wages without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # 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 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX  to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the XXXX  of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. 

In XXXX  of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time.

We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. 

We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. 

I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. 

We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.

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 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Bank refuses to credit back all credit card charges made to my card, even after merchant did so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: FL
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:
Equifax mishandled my information, which puts me and millions of other people at risk. I 'm listed as a potential victim per their website and will have to initiate a freeze to protect myself. I was not notified by Equifax in any way that my information was compromised. In fact, the process is to look it up yourself. This situation is an outrage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
Equifax was hacked and my personal information was compromised. 

I received no notice from Equifax, and instead had to do my own research, weeks if not months after my information was made vulnerable. Equifax offered only a " free '' service to monitor my credit, and rather than alert me in any way, Equifax left it up to me to find recourse elsewhere on the web. Had I not investigated on my own, I 'd have never known that my information was made public.

Company response to consumer: Closed with explanation