BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: CA
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:
The recent Equifax security breach has put myself and millions of others at risk. Their negligence has cost me time, security, money, and peace of mind. Not even freezing my credit is enough to protect me. This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

In addition, very little was done to notify the public for nearly a month after the breach. No email, letter, or phone call was sent out and instead I found out about it via social media. Equifax handled reporting this breach very unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CORELOGIC 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: Personal information incorrect

Complaint:
i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-11-21
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, XXXX and Experian with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.

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: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was divulged ( SSN, addresses, credit details ) in the Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone else name and credit is showing up on my credit. My name is XXXX The other party name XXXX. There is an account XXXX showing up that is not mine.

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 2021-11-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In late XXXX and early XX/XX/2021, I sold XXXX video game consoles to someone named XXXX XXXX on XXXX XXXX. The consoles were paid for through PayPal because XXXX doesnt allow for $ XXXX shipping transactions. I corresponded solely with XXXX XXXX on XXXX for the sale of all XXXX consoles. He gave me XXXX separate PayPal emails to request from over the period of business, and all requests were fulfilled loading the full balances below into my accounts. The XXXX transactions are from my personal PayPal ( XXXX ) and my fathers account for the XXXX transactions ( XXXX ) because my account wasnt letting me send money because of an address change at the time. 

Transactions : XX/XX/2021 for {$760.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX I shipped all XXXX consoles to the same address for XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. These are the tracking numbers for each of the shipments : Shipments for XXXX XXXX, XXXX XXXX and XXXX XXXX had these tracking numbers ( not sure which is which ) : XXXX Tracking number : XXXX XXXX Tracking number : XXXX XXXX Tracking number : XXXX Shipment for XXXX XXXX and XXXX XXXX ( XXXX consoles shipped together ) : XXXX Tracking number : XXXX XXXX by XXXX the buyers raised disputes, holding the money from me and were all decided in the buyers favor by the buyers financial institution, removing each balance from the PayPal accounts. Each dispute notes mine and my fathers XXXX XXXX though we didnt receive any help after submitting tracking details, conversations with the buyer and even evidence that XXXX of the PayPal XXXX I dealt with no longer was a valid email. 

In addition, PayPal took another {$15.00} for each of the XXXX transactions for dispute fees because we lost the dispute. 

In summary, money was requested from the PayPal accounts provided to me by XXXX XXXX. The money was sent to me in PayPal. I shipped the consoles as promised and they were all delivered. Once received, the customers disputed the charge with their financial institution and PayPal told me that there was nothing they could do with helping as it was the buyers financial institution. I also spoke with representatives from PayPal numerous times ( was also disconnected after waiting on the phone ) and they said that they could escalate but upon following up then was told that they could not do anything to help. 

I am attaching conversations with XXXX XXXX and XXXX XXXX. Tracking numbers can also be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Credit Karma, LLC
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: Their investigation did not fix an error on your report

Complaint:
Credit Karma reporting is very irresponsible. They put items on my file without investigation. I never receive verification they contacted the companies who are actually reporting about my credit with them If they had, I would not see companies I paid in full and cancelled their credit cards appearing back in my file with balances. This type of lack of reporting accurately has cost me to lose XXXX points within the last 20 days and they need to be held accountable for their total disregard of repirting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: AMERICAN HONDA FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
American Honda Financial replied to the initial complaint with nothing but lies. The only thing that matches their records is my name my social security number and my date of birth. That 's the information that was stolen from my identity over 20 years ago and that 's been proven by the police and the courts. I defy American Honda Financial to give you any truthful documents to show the that car was bought at the address I 've been living in since XXXX or that it was bought by myself while I was out of the country from XXXX of XXXX until XXXX of XXXX. I would like them to show you with documents that they are nothing but liars and full of XXXX because they can not prove anything else except those items that were stolen from me over 20 years ago. The North Carolina Department of Motor Vehicles is aware that somebody obtain the license back in XXXX from online with my information and when I asked them to give me a new drivers license they said since it was done online they would not give me a new driver 's license number. The next year in XXXX on move to South Carolina and have lived here ever since. American Honda Financial comes back with a short response but nothing but lies because nothing they said can be proven by them outside of those XXXX items I 've already told you that were stolen from me. I want them to reply to each and every XXXX of these claims they do not have my correct work information they do not have my correct address that the car was bought with and they do not have personal information outside of mine that would have been used to identify the account. So I please request American Honda Financial to give you the documents they claim are real and I can show that none of the information they provide his true or real pertaining to me individually only through a stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified items listed below are reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : 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 2021-11-21
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went to the XXXX dealer shop and i told them to do the lease for a particular bank. They have sent all my information to several banks. And I received my lease from the bank that i advised them to do because i dont want too many hard inquiries. They were really unprofessional on XX/XX/XXXX XXXX. I spoke with them about this situation and they told me there is nothing to do now and I should wait to drop off in a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Financial Corporation of America
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received Dunnage letter in the mail at my address from Financial Corporation of America XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX dated XX/XX/XXXX attempting to collect a debt supposedly owed by my deceased mother, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a supposed date of service of XX/XX/XXXX in the amount of {$750.00}. My mother was under XXXX XXXX with XXXX of XXXX from XX/XX/XXXX until her passing XX/XX/XXXX. I am not aware of her ever receiving treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor am I familiar with this outfit having anything to do with XXXX of XXXX. I have Spoken with XXXX of XXXX and they have assured me that their is no outstanding debt with them in my deceased mothers name. I have been unable to locate contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have received several phone calls from Financial Corporation of America both before receiving their dunnage letter and after receiving said letter, each time I have informed the caller that they are trying to collect a debt from a deceased individual to stop calling my phone and to remove my number. I do not owe this debt and am not responsible for my deceased mothers debts, at the time of her passing she owned no real property, and the sum total of her assets were the funds on deposit with bank which amounted to a fraction of this alleged debt. All funds in her account were utilized in the settlement of her final arrangements and the funds on deposit were completely exhausted by this. I do not know who XXXX XXXX XXXX XXXX XXXX XXXX XXXX is or what tenets they live their lives by but they are certainly not XXXX values or tenets to XXXX the family of the deceased in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: IL
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:
XXXX on XXXX/XXXX/XXXX informed me my information was lost

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've started getting calls from the company Allied Interstate LLC recently. When i asked what the call was about the person on the phone would just say " an important business matter '' or " personal business matter '' and then ask for me to confirm my social security number without telling me what the call was about in detail. When i told them they needed to state the actual reason for the call and if it was being recorded they would tell me that if i didnt confirm my information the would submit it to the legal action team. I 've attempted to block calls from their numbers and direct them to my lawyer and tell them to stop calling and yet it continues.

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 2021-11-21
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express charged me interest for a Pay over time purchase that I didn't authorize. When I saw the interest charge on my Amex gold account, I looked into it and realized that they must have enrolled me, without my knowledge, in the program. This caused my purchases to automatically be charged interest. I would like to request an immediate refund for all applicable interest charges and would like this terrible " feature '' disabled on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions 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:
In XXXX of 2021, I sent an identity theft affidavit and police report to Experian regarding my identity being used without my authorization. Experian removed accounts off of my credit file regarding the issue and then a few days later placed the same accounts back on my Experian credit profile. Being I sent an affidavit with no response, that affidavit stands as truth in commerce. The accounts that I reported not only need to be deleted, but also need to remain off of my Experian credit profile. Experian is also violating the FCRA by not getting back to me regarding the outcome within 30 days.

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 2019-05-31
Company: URS Holding, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/19 a representative from the company contacted multiple people as well as myself while at work. When I returned their call from my personal cell phone I informed them to not call my work. 

On XX/XX/19 the same representative called my office again. I again informed her to not call my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016 I checked my XXXX report and noticed previously deleted inquires were reinserted back on my credit report and i was not notified that they were being reinserted

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 2020-03-02
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX Submitted by email a dispute form to card issuer Blackhawk Network ( bhn ). 

XX/XX/XXXX Received Communication Update from bhn. 

XX/XX/XXXX Received and replied to email from bhn regarding more information. 

XX/XX/XXXX Requested by email status of case. 

XX/XX/XXXX Requested by email status of case again after no response. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Re-sent dispute form with documentation. 

XX/XX/XXXX Called bhn dispute dept XXXX since it is over 90 days with no response. Customer service said the case is still open and I should get an email response in the next few days. 

XX/XX/XXXX Called bhn dispute dept XXXX again since no email from bhn. Customer service said again that I should get an email response in hopefully 2 days, XX/XX/XXXX To date, no response from bhn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
after speaking with legal counsel i found that navy federal navy credit union is in violation of TILA failure to disclose to me about my open ended consumer plan 12 CFR 1026.5 and the finance charge the sum of all charges pursuant to 12 CFR 226.4. Navy federal fail to XXXX out my account monthly. Already sent in a billing error affidavit of truth 12 CFR 1026.13 which was sent certified mail with a green return receipt.

am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of the account and ledger and debits of the account to verify the current accounting and taxes associated with this account. 
information need to be provided to see who funded this account. banks can not lend its credit or its money. 

EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ON JUNE 5, 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation