BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Klarna AB
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I completed a loan agreement online with Klarna at XXXX XXXX  on XX/XX/2021 for a total of {$3300.00} at 0 % interest to purchase a massage chair from XXXX XXXX XXXX. Terms were {$94.00} down payment, 35 payments of {$91.00}, and a final payment of {$91.00}. 

At XXXX XXXX  that day, I received an email with a loan plan attached that had different terms that the ones I agreed to : {$400.00} down payment, 35 payments of {$83.00}, and a final payment of {$83.00}. They also immediately placed a hold on my debit card/checking account for the {$400.00} down payment. 

Although the total amount to be paid is the same, they changed the terms of the loan without my knowledge or agreement. Fortunately, I had {$400.00} available in my checking account, so I did not bounce any checks. 

At XXXX XXXX  on XX/XX/2021, I initiated a chat with Klarna to find out how they could illegally change the terms. I supplied them with PDFs of both Truth in Lending Disclosures, along with a screenshot of the hold they placed on my account. When they finally understood my issue, they said they were upgrading it to a specialist who would contact me. 

On XX/XX/2021, the {$400.00} charge cleared my bank. At XXXX XXXX  on XX/XX/2021, I finally received an email response from Klarna, which incorrectly stated that I had reported a problem with my order with XXXX XXXX XXXX and that they have paused my payment schedule. So I used XXXX to find a Klarna customer service number ( XXXX ) and spoke with someone there. She had no answers for me, could not transfer my call to the specialist department, and said that that department would contact me in the same time frame as previously, i.e., about 3 days. 

Fed up with Klarna, I called XXXX XXXX XXXX and spoke with customer service there. I asked them to charge my credit card because I didn't want to deal with Klarna any longer. XXXX XXXX charged my credit card the full amount, and refunded and cancelled the loan with Klarna. Klarna then emailed that they would refund my {$400.00} within 7 days. 

I recommended to XXXX XXXX that they cease doing business with Klarna due to their deceptive lending practices and incompetent customer service. However, I am still concerned that other Klarna customers may have their loan agreements changed after acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Genesis FS Card Services, Inc.
State: OR
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:
I canceled my two cards I have with Genesis fs card services XXXX XXXX XXXX XXXX. OR XXXX In XX/XX/2022 because of the high payments and after trying to get a lower payment I decided I cancel my cards and I was told I would not get charged any interest or fees but that was a lie I made a half a payment in XXXX and they said as long as I made my full XXXX dollar payment in XXXX I would be all up to date that was a lie too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Atlanticus Services Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I've been attempting to get a replacement card from fortiva credit card for months now. I now have to reach out to you guys because fortiva credit card company has been screwing me around with a replacement card for months. I believe it all started back in XXXX maybe XXXX and I had reached out here and there in attempts to get my card replaced I'm very upset I am a XXXX vet who served in the XXXX XXXX I'm diagnosed with XXXX and XXXX XXXX syndrome. The last thing I wanted as a small business owner is to be ignored by my credit card company where we have a contract for services. It is now come to a point where I have to involve the CFPB to get to comply with the original contract. 
I have made attempts to resolve this with them in the past but the only documentation I have is on the XXXX of XX/XX/XXXX of XXXX. In between those dates I had also made two phone calls, unfortunately I do not recall those dates. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went to a MatressFirm located at store XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on or about XX/XX/XXXX to buy some mattress, I decided to purchase it, at the time of check out, the sales associate offered me to finance the purchase which I did. He ran my credit and told me I was approved through Syncrony Bank. Great news, after the very first month, I noticed that the statement wasn't coming to my home. I tried to log in and my user was changed. I had to call to gain access again, when I called they told me that there was another registered address and another email address, I reported that and the fixed everything. On the following month I received the statement with a lot of additional charges, everything was ordered online. I reported that to Syncrony bank on XX/XX/XXXX. Every time I was changing and putting the correct information, somebody was logging in and changing it back and ordering from my account. I reported this to my credit buraus and also to Synchrony bank SEVERAL times, I also frozen all my credit profiles. Since then, nobody at Synchrony was able to give me a real solution, every month I was getting different invoices with different amounts, credits, charges, they even send me money back ( please see attached ) I got a zero balance statement as well. At one point I paid what they told me it was mine to just put the account in ZERO and closed it, I paid XXXX on XX/XX/XXXX and even after that they keep on sending me new bills. They sent me a zero balance statement one more time and when I thought everything was clear, they started reporting my credit and again they started sending me new bills. I asked them several times for a complete detail of my payments and charges, they were never able to send me this. 
At this time, I being completely hurt by them reporting my credit without showing me a completely detail or why they are charging me. 
Also, you can see that they have been transferring amounts and nobody can explain that and why, not even why they send me a check and a zero balance statement.

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 2022-06-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Army and Air Force Exchange Service
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They are garnishing my ssi check and not reporting it to the credit bureau 's not showing its paid on time every month and still the balance is still the same after 3 years of garnishment!

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 2022-04-25
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 90 plus days of no response. I have disputed this alleged debt and car was awarded to my ex wife back in XXXX with Santander Consumer USA was told that debt would be transferred to ex but been on my reports for over 8yrs and the XXXX credit reporting agency. I was told by the representative at Santander Consumer USA that they do not have to show me proof of debt .Last communication via phone call was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited XXXX into personal checking with chase bank XXXX XXXX branch zip XXXX. 
Branch manager XXXX XXXX confirms availability by voicemail on XX/XX/23, in addition I called customer service to confirm which they did. The check was written for XXXX check XXXX and chase called me to confirm validity which I did, they bounced the check payable to my XXXX XXXX account at XXXX XXXX. I went to chase branch above, they wired it out. I called fraud while sitting in the branch, they wire they said was sent. XXXX that evening, still pending, I called and they sent me to fraud despite verifiying in person and via phone with their etf dept. They said ok, its all good. The wire was delayed 2 days, I have still no explanation why my original check was returned. The branch manager declined to speak with me directly. Sad this was my first ever bank account with positive longstanding deposit history. 

I am demanding a bank letter of error for the bounced check. And {$8.00} fee I received from XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: CA
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 and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: SC
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 did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated 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 2022-06-29
Company: Experian Information Solutions Inc.
State: CA
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 and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized

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 2023-01-14
Company: Revco Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harassing communication by mail that will not stop even after proof was sent in that debt is settled. If they need further communication they can reach out to the original creditor for the letter. I am not a babysitter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Bread Financial Holdings, Inc.
State: CA
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:
I owe this Ulta Comenity bank {$6.00}, 3 months ago. I missed to pay or overlooked since It was just a small amount. 3 months later it becomes {$60.00}, I made a phone call and paid on the phone and to close my account, the lady on the Comenity said I might still receive a charge from the mail as the last closing cycle. I said thats why I called to make sure I can pay the fulll amount without getting anymore charges. It took down my credit scores by so many points. Now this kind of XXXX is like abuse to consumers. This XXXX  people in so many ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX  ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.

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 2022-12-01
Company: Park Hill Holdings
State: GA
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:
** AN OFFICIAL DISPUTE WITH COPY OF DL AND LAST 4 OF MY SOCIAL SECURITY NUMBER HAS BEEN MAILED CERTIFIED TO SAFERENT - THEY HAVE PERMISSION TO REACH ME WITH THEIR RESPONSE BY US MAIL ONLY. *** THIRD complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. Safe rent made 2 unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VALIDATE THEIR REPORTS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. FORCING ME TO CONTACT THEM BY PHONE IN AN ILLEGAL AND ROUND ABOUT WAY TO VALIDATE THEIR REPORT WILL NOT WORK.

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 2022-06-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have sent numerous requests to this bank requesting a credit limit increase. Unfortunately, each request has been denied for inaccurate and falsified reasons. I had spoken to representatives who had transferred the call to XXXX, or other Account Mangers when I asked to talk to a XXXX. XXXX XXXX Account Manager, said their phones arent set up to route the call to a manager. He instead routed the call to XXXX, also a Sr. Account Manager who initially introduced herself as a Supervisor. I had to speak to three Account Reps. ( XXXX, XXXX, and XXXX ) before speaking with XXXX Supervisor. The bank claims to have checked my credit to provide the reasons listed in the letter. The first lie, Reps were playing the role of Supv. The second lie, performing a credit check, my credit is locked, and Im notified each time someone attempts to run a check. The third lie, everything is system generated, and no persons are involved in the review process. Each Rep changed the response when I told them the previous Rep said there is a Credit and Risk department. XXXX submitted an internal complaint per XXXX. Given the integrity and honesty of these conversions and actions by the bank, how can we be sure his complaint record is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified

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 2023-02-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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