BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Klarna AB
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is in connection with previously filed complaint ID # XXXX. 

KLARNA of XXXX XXXX XXXXXXXX XXXX, OH XXXX @ XXXX Responded to one 's complaint # XXXX on XX/XX/2022 saying they need more time to investigate. That is perfectly fine as long as all fraudulent collection action is ceases immediately. However KLARNA is still using and threatening use of violence or other criminal means to harm the physical person, reputation, or property of one and is DIRECT VIOLATION of 15 USC 1692d ( 1 ). 

On XX/XX/2022, one received a dunning letter from KLARNA with threats to refer this alleged debt to collections. KLARNA is a debt collector. Send any debt valid or not valid is a DIRECT VIOLATION of one 's federally protected consumer right to PRIVACY under 15 U.S. Code 6802 which declares... 
" ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' One is bering violated under these notions. 

One has not received validation of this debt in accordance with the laws listed in the FDCPA and the FCRA. One and one 's family has been damaged and injured from this failure to perform by KLARNA and one alleges KLARNA has devised a device and mechanism of deceptive and misleading practices. This is ones notice of intent to file suit against KLARNA in US District Court be it KLARNA is in DEFAULT, so be it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 requested the credit bureaus ( XXXX, XXXX and TransUnion ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with Transunion, XXXX, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, XXXX : XXXX, TransUnion : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, XXXX, and TransUnion are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

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 company can not furnish an account my without my instructions or consent.

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 2017-06-16
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to date.

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 2022-09-07
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Southeast Toyota finance incorrectly billed me for over {$500.00} and then reported to the credit reporting bureaus that I was delinquent in XX/XX/XXXX. 
This has hurt my credit score and caused a big waste of time. 
The incorrect bill for {$500.00} was due to a clerical error that they made internally and incorrectly billed me for wear and tear on a vehicle from previous lease several years ago. 

I have tried since XX/XX/XXXX to correct the mistake with them over numbers phone calls. Finally I was told XX/XX/XXXX that the problem had been fixed and I did not owe anything nor would have my credit damaged. 

This month my credit dropped XXXX points on transunion and shows that I am incorrectly delinquent with XXXX 

This is not the first time that XXXX has made a large mistake and hurt our family. It is the second time and I believe that US regulators should fine and revoke XXXX 's license to operate in consumer finance. 

Please help me by restoring my credit score to + 800 like before this happened and correcting XXXX XXXX mistake to properly show that I am current and in good standing. 

Reference XXXX account number XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is concerning my Citi Diamond Preferred Card, ending in XXXX. Citi has assessed ( and I have paid ) two ( 2 ) balance transfer fees ( {$1400.00} and {$300.00} ), even though Citi promised it would not charge these fees. After repeated requests for a refund, Citi has refused. I initiated two ( 2 ) separate balance transfers with Citi, based upon their representation that they would NOT assess balance transfer fees. I relied upon Citi 's false representations to my detriment. On XX/XX/XXXX, I called Citi to inquire about a zero percent balance transfer offer. I was informed that the offer was subject to a balance transfer fee. I told the representative that a competitor ( XXXX XXXX ) offered me a zero percent balance transfer, with no fee, and I asked the Citi Customer Representative if they would waive their fee, and the representative said YES. Therefore, on XX/XX/XXXX, I initiated a balance transfer ( over the phone, during the same call referenced above ) in the amount of {$28000.00} ( and, as a result, Citi later assessed a balance transfer fee of {$1400.00} ) On XX/XX/XXXX, a balance transfer in the amount of {$6000.00} was initiated, via a check, sent to me by Citi ( and, as a result, Citi later assessed a balance transfer fee of {$300.00} ). On XX/XX/XXXX, I chatted with Citi representative named " XXXX '' via Citis website and asked her to refund the fees. She refused. On XX/XX/XXXX, I called Citi customer service, and asked the representative ( whose identity I did not capture ) to refund the fees, and they refused. The matter was referred to Citi 's Executive Response Unit and I was assured that I would receive a resolution within 48 hours ; however, I never received any communication. On XX/XX/XXXX, I called Citi customer service and asked the representative ( XXXX ) the status, and he said it was still with the Executive Response Unit, and I would receive a resolution within 48 hours ; however, I never received any communication. I demand that Citi honor its promise of not assessing a balance transfer fee, and demand that Citi refund the fees ( {$1400.00} and {$300.00} ).

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 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am currently fighting with Bank of America for my debit card had been compromised over several days and at several XXXX machines at the XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX NV. XXXX on XX/XX/XXXX for {$300.00} then twice again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NV, XXXX for the amounts of {$200.00} and {$100.00}. The account was used three times again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX, XXXX XXXX NV XXXX for the amounts of {$200.00}, {$100.00} and {$100.00}. The card was used a fourth time on XX/XX/XXXXat the XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX for the same amounts of {$200.00}, {$100.00} and {$100.00}. Along with the withdraws was 7, {$2.00} balance inquiry fees and withdrawal fees totaling {$17.00} on XX/XX/XXXX and 7 more {$2.00} balance inquiry fees and withdrawals fees totaling {$17.00} on XX/XX/XXXX and 6 more {$2.00} balance inquiry fees and withdrawals fees totaling {$15.00} dollars on XX/XX/XXXX. I did not realize the transaction had taken place until I returned to work the morning of XX/XX/XXXX to look check my account balance and noticed the charges. I called Bank of America 's frauds claim department to cancel my debit card that morning to start the dispute process as soon as I saw over  {$1500.00} in fraudulent withdrawals and fees in my account. After I filled the claim I also reached out to the XXXX Fraud Department and was able to track down the locations of the four XXXX that my account had been comprised. I was in contact with Bank of America several times during the claims process expressing that I have expressed that I can provide video and hard evidence on my wear about 's and that I had my card with me during the entire time of these fraudulent withdraws. I was never once in or close to any of these XXXX and also asked several times if I need to provide any type of police report and was told no each time. The claim came back as denied on XX/XX/XXXX with the explanation that " No Error or Fraud Has Occurred ''. I called again today on XX/XX/XXXX to dispute the denial of my claim an reiterated that I am able to prove my where a bout 's and they said they would reopen the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2019, several fraudulent charges were billed to my account. 2 were picked up by the credit card company. Payment was refused and the charges removed. 3 of the charges to the same company in XXXX XXXX remained on the account along with associated foreign transaction fees. I have talked to supervisors 3 times about removing the charges. In each case I was told they are still investigating the charges but refused to credit the 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 2022-01-05
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a Collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: NC
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:
After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : EQUIFAX:XXXXX.2016 and XXXXX.2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX I XXXX XXXX  ( Original Creditor : XXXX BXXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX OF XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not validated and as such should be deleted XXXX XXXX XXXX  Original creditor : XXXX BANK Balance {$5400.00} Balance updated XX/XX/2022 Original balance {$5400.00} Wrong dates and as such should be deleted off my 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 2022-09-07
Company: EQUIFAX, INC.
State: NV
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 requested the credit bureaus ( XXXX, Equifax and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, Equifax, and XXXX about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( Equifax : XXXX, XXXX : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that XXXX, Equifax, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

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 company can not furnish an account my without my instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX/DOFED accounts opened XXXX/XXXX/2016

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 2019-05-28
Company: ARC Management Group, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Threatening me with a judgment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I need every inquiry removed i see a lot that were not approved by me. i was trying to PRE qualify

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