BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2022 XXXX am Email offering a cash bonus of {$200.00} and 1.5 % cash back credit card. 
XX/XX/2022 I completed the application on line XX/XX/2022 XXXX I received an email stating that XXXX XXXXXXXX was not able to approve my application, and I would receive a letter explaining why within 10 days. 
XXXX XXXX XXXX I received email notice that " there has been a change in TransUnion credit report '' and that XXXX from XXXX XXXX could help me improve my Credit Score. And when I clicked on the link it said my TransUnion was XXXX pts at XXXX and XXXX was also - XXXX at XXXX Was the purpose of this per motion just to lower my credit rating? Or what? Note it all happened in 20 minutes. 
Please investigate and respond

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: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
fter reviewing my credit report, I seen a medical account listed. I disputed it with the credit bureaus and the company it 's self. The credit bureaus advised they have been verified. So I requested a debt validation in the form of an original bill and detailed statement of procedures, for the medical account with Progressive Management Systems. I never received a response back. So after 34 days I called and was told they have the validation to collect on this medical debt, they received the details of my medical bill from there client. I informed them, they directly violated the regulations of the HIPAA Act of 1996, because I never signed a HIPAA form to authorize them to have access to the information. I requested to speak with a supervisor and was told I would get a call back in a few hours and never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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, one of the three major consumer credit reporting agencies, said on Thursday that hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Security numbers and drivers license numbers.
Last year, identity thieves successfully made off with critical W-2 tax and salary data from an Equifax website. And earlier this year, thieves again stole W-2 tax data from an Equifax subsidiary, TALX, which provides online payroll, tax and human resources services to some of the nations largest corporations.
My complaint is after being hacked twice Equifax on Thursday XX/XX/XXXX did not improve its security practices after those previous thefts, and they noted that thieves were able to get the companys crown jewels through a simple website vulnerability.
Criminals gained access to certain files in the companys system from mid-XX/XX/XXXXto XX/XX/XXXX by exploiting a weak point in website software, according to an investigation by Equifax and security consultants. The company said that it discovered the intrusion onXX/XX/XXXXbut failed to notify me via email, phone call or an alert from Equifax themselves since I am a member In addition to the other material, hackers were also able to retrieve names, birth dates and addresses. Credit card numbers for 209,000 consumers were stolen, while documents with personal information used in disputes for 182,000 people were also taken.
After the cyber attack, three senior executives, including the companys chief financial officer, XXXX XXXX sold shares worth almost {$1.00} million in the days after the breach was discovered. This sounds very fishy to me.
Using the data stolen from Equifax, identity thieves can impersonate me with lenders, creditors and service providers, who rely on personal identity information from Equifax to make financial decisions regarding potential customers.
So far, I checked if I was affected using Equifax 's website here : https : //www.equifaxsecurity2017.com/potential-impact/ And it said that I maybe one of the millions impacted by this cyber security breach. I feel very let down and very vulnerable after hearing this news, especially when it involves my privacy and personal information which can lead to identity theft or worse.
I also signed up for a 90 day Fraud Alert as well. I am also thinking about freezing my credit with all three branches, Equifax, XXXX, and XXXX I really thought one of the biggest credit reporting companies would be the safest place to put your trust in but I just feel violated and let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: MT
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:
XXXX mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to the XXXX website, and would like a resolution.

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: LA
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 with product or service terms changing

Complaint:
Equifax was hacked and 143 million Americans, including me, had their personal information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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:
FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES 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 XX/XX/2022 XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022 & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XX/XX/2022 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 explanation
Consumer complaint received 2022-02-12
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper should not be handling people 's money!!! 
They are careless and their negligence is unacceptable. 
They have consumed my clean mortgage about 4 years ago with NO escrow which had more than 25 % equity but they have ignored the fact and kept sending property tax payment to my county ( not city and not insurance ) in spite of the fact that I have contact them sooooo many times and in writing and escalating the matter with the Executive Resolution Team, XXXX XXXX XXXX and with XXXX XXXX at Loss Mitigation ; I spent hours and days of my busy schedule and my busy work time and nothing, absolutely nothing has been corrected. This issue has caused my account to go under but they keep sending unnecessary payments on my behalf and the county keep sending the check back to them but they still report me to the credit bureaus with late payments, missing payments and now my account is big time upside-down. 
I have now learned that my excellent credit score dropped in XXXX points due to this reporting which hurts my financial badly working on other transactions. 
Currently, my equity is about $ 75 %. 
On top of that, I have been adding $ XXXX to each monthly payment for the last 4 years which should be showing credit of about {$12000.00} on my account- so how could my account be upside-down!!! 
I would like to ask for ALL my money back and to have my account straight showing all my credits. 
I would like to have a specific and a responsible person to handle this case to the fullest.

I can not afford to waste anymore time and money over this ridiculous non-sense.

Six documents attached. 

I would appreciate your HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: OH
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 not my account. Please provide a Validation of Debt, Method of verification, and the original instrument of indebtedness.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There was not an accurate prompt to describe this problem, so I did the best I could. 

The Consumer Finance Protection Bureau should investigate and take any necessary action against Equifax for what could have been lax security protections for consumers ' personal and highly sensitive information, and for keeping news of the breach from the public for an extended period of time. 

If Equifax can not keep consumer information safe, then they do not deserve to have such information, and should be out of business. 

Additionally, consumers concerned about the security of their information in the wake of this breach are being prompted to enroll in Equifax 's monitoring program. The enrollment agreement for this program includes a limit of liability and an arbitration agreement including a class-action waiver. This clause is a detriment to consumer safety. 

Please, help protect consumers by holding this company accountable and liable for the breach and fighting against its class action waiver. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My ppp loan was deposited into my capital one 360 checking account XX/XX/2021, I was able to use some of the funds before they locked my account saying i was using my funds wrong when I was using it how i was told i can use it by my lender its been almost 2 months since my funds been locked with no communication what so ever from capital one i Have submitted enough proof my loan has even been forgiven now by lender, Capital one is asking for more information then i had to provide my lender for my loan that was legally obtained for my business, I will be contacting a attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight witXXXX XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2019-11-26
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:
Identity theft victim

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
https : //www.equifaxsecurity2017.com/ XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX.  The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I enjoy online gambling and have found it difficult in the past finding a bank account or service which allows me to easily deposit and withdraw from my casino accounts. I noticed PayPal advertise that they're service can be used with a lot of casino websites, so I created my account in XXXX last year. Since then I have been using my account to deposit and withdraw to online casinos ( all of which are legal and registered with the New Jersey Division of Gaming Enforcement ). Occasionally, I use the account to send/receive money from other friends with PayPal accounts. I use the account regularly ( almost daily ) and my usage has remained the same for at least 3 or 4 months at least with no issues. 

Two days ago XXXX XX/XX/XXXX ) I received an email stating my account had been limited. I was no longer able to send or withdraw my money until I responded to their requests for information. This was fine, and I logged in immediately to provide a copy of my bank statement and an explanation of the activity on my account as requested. The next day ( XX/XX/XXXX ) I receive an email stating I can no longer use PayPal and that they have locked my funds due to suspicious activity and potential risk! No further explanation. They also informed me that they have frozen my funds for 180 days and I will not be able to access them. The balance of my account is currently {$34000.00} which is obviously a significant amount of money. I can not lose access to my money for no reason what so ever. 180 days is an incredibly long time! 

As far as I'm aware, I have not broken any of their XXXX XXXX XXXXs or usage rules. I have only made transactions to online services registered with PayPal and sent money to other PayPal  accounts. I need your help to get my money back.

Company response to consumer: Closed with non-monetary relief