BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Klarna AB
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The XXXX  customer care team does not accept returned items that are used or damaged, which was the conditions the three pairs of earrings that XXXX XXXX attempted to return. 
Given that XXXX XXXX received a refund for the Leather XXXX XXXX that was in a good, unused condition, despite XXXX  30-day return policy, and XXXX  returned her three pairs of earrings in the same condition as she sent them to XXXX, we view this matter as closed. 
AFTER DUE DILIGENCE I HAVE COME TO THE CONCLUSION IN WHICH THE MERCHANT IS ADMITTING THE RECEIPT BUT NOT BEING ACCOUNTED FOR THE MISSING EARRINGS AND CREDIT AT THIS POINT I NEVER RECEIVED A CREDIT FOR THE RETURNED THREE ( 3 ) PAIR OF EARRINGS WHICH WERE RECEIVED NOR THE EARRINGS BACK WITH THAT SAID I NEED THE EARRINGS BACK OR A CREDIT. AT THIS POINT THE EARRINGS ARE NO LONGER AVAILABLE AT LEAST FROM WEBSITE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to dispute due to the fact I have never lived in any other state besides California, yet, on my credit report shows an account with XXXX out of Georgia. I can prove through utility bills and rental lease that I was not in Georgia at the time of said account was being used in my name. The company did nothing to further investigate my claim, but decided it was an accurate 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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2021-12-27
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.

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 2016-06-02
Company: The Law Offices of Gerald E Moore & Associates, PC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am a XXXX at same time, so we are so busy. And this company/debt collection calling looking for someone who never been a part or employee at this place at any time. I told them to stop calling, this is a XXXX, and I can not entertain them because we are so busy. They still keep calling ... And I called them back and told them to stop harassment, the lady/operator said is not a harassment and they need to resolve theirs issues ... which I have no connections to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Consumer Asset Management (Texas)
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: LOBEL FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have contacted Transunion to discuss these unauthorized hard inquires, listed below. 

XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX OF XXXX - Inquiry date : XX/XX/2021 XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX - Inquiry date : XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX XXXX XXXX - Inquiry date : XX/XX/2021 XXXX - XXXX date : XX/XX/2021 2021

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 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America is reporting that I am XXXX past due even though the minimum was XXXX and I had paid XXXX towards the account. In XXXX I made a payment of XXXX, however this was apparently AFTER the cycle closed this making me late. No biggie I then redeemed XXXX worth of rewards. However the company is saying this does not count as a payment. I was never notified that I was late or past due nor do they provide an option for auto pay when you bank with them. I hold over XXXX with this bank. Making the payment was not an issue. The companies ability to communicate is not there and now as the consumer my credit report will be penalized. This is not fair. Had I of known or been alerted I would have corrected the mistake.

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 2015-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A " XXXX XXXX '' texted me about purchasing my bed from XXXX on XXXX XXXX, 2015. He sent me a cashier 's check for {$2200.00} on XXXX XXXX, 2015. The bed was {$900.00} but he sent me extra to pay the " movers '' {$1300.00}. On XXXX/XXXX/15, I discovered via on-line banking that the cashier check cleared and {$2200.00} was deposited into my account. Per his request, I paid the " movers '' through XXXX XXXX on XXXX XXXX, 2015. The same day he texted me again telling me he needed money. He asked me to send him {$670.00} out of what he had sent me for the bed. Red flags came up immediately and I told him no. He said he needed to pay medical bills and pay their private physician who he named " XXXX XXXX. '' He wanted me to send " XXXX '' the money through money gram. Now I had already sent the " movers '' {$1400.00} from the money " XXXX XXXX '' sent me. I told him I 'd rather just refund him the rest of his money and cancel the transaction. I felt like this was fraud and he was trying to get me to send money to people he knew. I sent him {$180.00} on XX/XX/XXXX and told him I 'd pay him the rest the next day when the bank was opened. He agreed that I would send him the rest of the money back through money gram. I did n't send him anymore funds. On XXXX/XXXX/15, I learned that the cashier check was " bad. '' Had the cashier 's check not cleared ( it initially showed it was processing, then showed it had cleared on XX/XX/XXXX ) on my on-line banking statement and the funds not been deposited into my account, I never would have sent " XXXX XXXX '' any funds. A BOA representative informed me that because of my good credit history, the cashier check was honored even before it was confirmed to be bad or good, which I ca n't believe. And stated that I should have taken the additional step of calling the bank or going to the bank in person to confirm the cashier 's check had cleared. At no time prior to this transaction was I informed of this by BOA. I, like many others, believed that when any type of check shows to have cleared and the funds have been deposited, the check is good. BOA knows many people are under this impression. Yet, it does not educate its clients about this particular deceptive practice and allows it to continue. I am appalled that this practice is allowed to occur. If a check is not confirmed to be " good '', why does BOA allow it show ( on on-line banking ) it has cleared instead of just letting it show it is still processing? There must be thousands of current and former BOA customers that have been victimized by this particular deceptive and misleading practice. It needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Their investigation did not fix an error on your report

Complaint:
I disputed this allege account with XXXX XXXX XXXX who claims to be holder of allege debt. I requested documents from XXXX XXXX verifying this allege debt and that it is reporting accurately. XXXX XXXX XXXX never provided any proof that this is my debt or that they have authorization to even report this allege debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Account information incorrect

Complaint:
My latest Equifax report reflects serious reporting errors that are negatively effecting my credit standing. I made multiple attempts to have this information corrected by way of sending disputes to Equifax referencing these error. Equifax continually ignores, and refuses to correct these errors in spite of the factual based evidence of their FCRA non-compliance issues. My findings on my latest report that was sent to me by Equifax has once again certified falsified information that pertains to me in their credit reporting - The account in question is a XXXX XXXX installment account beginning : XXXX and ending : XXXX. This account was reported as paid in full in XXXX of 2021, yet on one latest report published by Equifax, they report a payment for XXXX of 2021, as well as a late payment in XXXX of 2021. On the report from XX/XX/2021, this same account that was paid and closed in XXXX of 2021, Equifax reports payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is false reporting as this account does not even exist. No matter how many times I point out these inaccuracies to Equifax, they refuse to correct or remove the account from my credit file which they are bound by the FCRA to do. The 5 plus times I send these disputes to Equifax, they don't even look at them, their automated process continually violates my consumer rights, as well as publish falsified information. It is time for Equifax to hold themselves accountable for their actions as these reporting inaccuracies cause massive harm to consumers and can be remedied through costly litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I CONTACTED THIS COMPANY VIA US MAIL AND REQUESTED DOCUMENTATION REGARDING THE ACCOUNT AND THE DEBT THEY SAY I OWED AND REPORTED TO THE CREDIT BUREAUS. I NEVER RECEIVED A RESPONSE REGARDING THE VALIDATION REQUEST. I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH A XXXX WHO WORKS IN THE BILLING DEPARTMENT. THE REPRESENTATIVE TOLD ME THAT SHE HAVE NO IDEA OF WHAT THE ACCOUNT COLLECTION ASSOCIATES HAVE BECAUSE I HAVE NO PAST DUE BILLS WITH THEM. I REQUESTED AN ITEMIZED STATEMENT, COPY OF THE CONTRACT WITH THE ORGINAL CREDITOR, THEIR LICENSE TO COLLECT IN MY STATE AS WELL AS HOW THE AMOUNT THEY SAY I OWE WAS CALCULATED. RIGHT AFTER I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH XXXX, I IMMEDIATLY SENT A LETTER REQUESTING THIS COMPANY TO VALIDATE THIER CLAIM, AND THEY NEVER RESPONSDED. BY FEDERAL LAW, THEY ARE REQUIRED TO VALIDATE THIS INFORMATION WITH ME AS WELL AS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Terrill Outsourcing Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collection company, called Superlative RM, has contacted at least one relative that I have not lived in the same household with since I was a teenager. This relative has nothing to do with this debt and the debt was incurred at least a decade after we ceased living in the same household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  ; XXXX  and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank continues to clear the larger debit prior to the little charges regardless of transaction time. This results in numerous overdraft charges instead of just the single one... They have told me that it is that way because the larger one may be more important. I don't see it that way and feel it is a very unfair practice. No real relief thru the Covid crisis which I also feel is terrible practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Which address? 

The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. 

In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? 

If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. 

That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed.

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 2021-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I have been disputing this account a couple of times since this is causing too much damage on my credit report. Account is showing Open when it fact it was paid years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Delinquent account

Complaint:
I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Bank of America 's violation of the FCRA act. They reported wrong information to my credit report abou an account " 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Bank of America ( " BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as " 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Bank of America ( " BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Bank of America does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS 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