BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordanc e to FCRA Section 609, t hese accounts was further disputed in   XXXX   XXXX    . I advised AD  Astra with a validation letter to prove this debt is mine. In addition, AD ASTRA has failed  to send back the original documentation bearing my signature. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these  XXXX  accounts to  XXXX  credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now   XXXX   XXXX   and way past 60 days when these accounts were initially disputed.  Ad Astra Recovery Service has continued to attempt to collect debt that they know   is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than  one occas ion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue fro m day one. I fe el that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from  Ad Astra Recovery with filing legal suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For the past  XXXX  hree to four  years, Equifax has not been updating the activities on my accounts and has not updated my credit report with new accounts. This includes accounts/activities from :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX  , and  XXXX   XXXX    XXXX   XXXX   My credit reports from   XXXX   and   XXXX    are always up to date, but the Equifax does not update. As a result, my Equifax score is very low. I have submitted requests to Equifax on several occasions and have called and no one has resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-05-17
Company: U.S. BANCORP
State: DC
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:
US B ank closed my account ending in  XXXX  ( which was changed to card ending in  XXXX  ) when I filed a chargeback they didnt agree with.   My interest rate was close to 14 %.   Since they closed the account they arbitrarily changed the interest rate to over 20 %. Please see the statement.   While they can close the account, they certainly cant change the interest. This is fraud and I want the excess interest refunded to this closed account.   I have been making a very good faith effort to resolve all accounts in full even thought we disagreed about the amount. However i will not stand for manipulation of the interest rate without my consent.   They closed the account. It must be at the 14 % rate

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 2023-01-06
Company: Klarna AB
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I originally visited the XXXX XXXX website to purchase plane tickets via XXXX XXXX. We paid for this purchase using your platform, Klarna. Unfortunately, my XXXX passed away suddenly, so we had to cancel our travel plan to start the process of planning for a funeral. I sent an email request to XXXX XXXX on XX/XX/2022, to cancel and refund. We were advised by XXXX XXXX that we could use the airline credit at a future time to book other tickets. We contacted XXXX XXXX to utilize the credit and were advised we can not use it, as XXXX XXXX purchased the ticket utilizing foreign currency ( not USD ) and the representative advised XXXX XXXX never submitted the Cancellation Request before the flight, so I could not use the credit as it was voided. 

XXXX XXXX advised since XXXX XXXX did not cancel my flight and did not pay in USD, I could not and would not have been able to use the credit in the future. I have sent multiple emails to XXXX XXXX with no response. I have been emailing for 2 months. I tried calling their customer service number XXXX directly but their automated message says " our phone lines are closed '' and hangs up. 

I opened several disputes with Klarna who refused to have XXXX XXXX reimburse me, and kept asking me to reach out, stating " they responded to them quickly ''. Of course they responded to you quickly, you're their XXXX party vendor. I have made several attempts over the months to get refunded. XXXX XXXX has refused to respond to any of my emails, their phone lines do not work, Klarna is refusing to reimburse me. I have sent Klarna emails from Department of Transportation, confirmation email from XXXX XXXX stating XXXX XXXX did not follow protocol so there's no flight to be used for a future flight, my cancellation email conversation with Klarna ( the only time they every responded - once I told them I couldn't use the flight credit like they said I could, radio silence ). It has been 7 months, no flight has ever been taken - AA said I have no flight credit ( still ), Klarna is refusing to make XXXX XXXX reimburse me ( even after all the evidence I have provided ), and I found account today XXXX things ; ( XXXX ) they attempted to debit my bank account twice while my account as in the dispute status ( even though I was told by their agent that payments were paused ), which caused XXXX overdraft fees ( XXXX ) they also illegally sent my account to collections while it was in the dispute review process, without prior notice. 

I am filing a complaint with XXXX, CFPB and my local state authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The first letter was the same as the second letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received Financial assistance from the hospital for all my hospital bills. I do not owe anything and have directly contacted the hospital to make sure. I keep getting phone calls from this third part and i do not owe a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
There were  XXXX  fraudulent charges made to my  Barclay  credit card ( through  XXXX   XXXX   ).   XXXX  were for  XXXX   XXXX  for  XXXX  on  XXXX / XXXX / 2017 . The next day  XXXX  there were  XXXX   XXXX  charg es (  for  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for  XXXX . I called to tell them I did not make these charges, they were removed and marked as fraud and I had to get a new credit card. Received the new card the next aday and thought problem was fixed but when I went to check my account on  XXXX  the charges that they had removed earlier had been put back to my card. I need these charges totalling {$530.00} taken off my card.

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 2017-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I DO NOT agree with the answer given by the bank of america about my complaint of the case # complaint  XXXX  about Bank of America.   This bank makes its rules at its convenience and the final consumer has no protection and that is wrong, there should be an equity between both parties, when one applies to a credit card from this bank, usually the small print is not read, It is also in the opening of current accounts.   The Bank of America overdrawn at {$880000.00} each account seems to me to be something tremendously bad, this bank acts overriding the rights of financial administration, so I hereby ask you to review the case and to return my rewards won for 10 years and pay m e Interest, expenses and indemnification. And an investigation on my complaint.    I also want to thank you for the offer of a lawyer in the case of Bank of America.   Bests Regards,  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I was recently charged a large amount of interest on my Amazon store card. These charges were from the deferred interest from promotional purchases that have expired. I recently dug into the details of these charges and discovered that they give you the option to apply your payments to promotional purchases first, but you have to " opt-in '' to this on their website. I would have done this the entire time to avoid interest charges ( as I am sure everyone would ) had this option been made aware to me. Instead, the payment allocation method is set to " standard '' by default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a mortgage for nine years. I was divorced in XXXX 2016. This whole last year my ex XXXX XXXX XXXX XXXX XXXX and has sqatted in the house without allowing the two sales for over full price. I kept this bank up to date on everything from day one about his XXXX and a court ordered XXXX That it was handed over to our lawyers to iron out any issues with this banks lawyers but to no avail. Then the bank said no to court ordered in deed of lieu to protect me from his deliberate attempts to ruin me. They screamed at me to pay all overdue funds when I was in hiding for my safety not saying anything to my ex who had been fired again for illegal behavior. This bank only protects those who do wrong and punishes the responsible home owners. All of our conversations where recorded, with bank employees screaming at me. It is now in a redemtion period and I was just qualified for a better rate and full mortgage but the mortgage division stated that my lawyers protected him and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX sent a bill to Sunrise Credit Services saying that I owe a bill for {$1900.00}, which is not true. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX about this debt. I explain to him this is not my debt, and when did this happen, he told me in XX/XX/XXXX when I was not even a student at XXXX and XXXX agree with me.

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 2015-06-12
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a XXXX XXXX XXXX account in XXXX and some one got a hold of my checks and over drafted my account by over {$1700.00}. XXXX XXXX XXXX refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX XXXX XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to Convergent outsourcing inc. We are disputing this for a XXXX and hopefully last time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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: Information is missing that should be on the report

Complaint:
XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.

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 2017-05-17
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macy department sto re has allowed other people beside me to make purchases in  XXXX  dollars after I informed them many times that I have been victim of identity theft. I have talked to frauds, frauds analytic, and many fraud department managers and so far they just promise that they are investigating.. I have a documentation of all the above the names of macys employee and a copy of my statements. I have also informed them the history of the theft, the police report, the detective name and her number and the prosecutors office in  XXXX   County  and the name of the prosecutor with the case number and months have passed and they are still sending bills and nothing has been done with the investigation and we have been receiving letters in the mail every month requesting that I pay and I believe they sent my name to collecting agency and I have been verbally abused due to their negligence.

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 monetary relief
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Optimum Outcomes, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not comprehend why the debt is charge at my credit without any warnings or without knowing is the person is on the country at the current time. I realize that I owne this money because I check my credit and it was afected without a notice. Another reazon is because I call about the statement and they told me it was my wife. So I do not comprehend how I got charge being a XXXX client and 90 days before getting XXXX which means XXXX should cover her a 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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 is missing that should be on the report

Complaint:
XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my Transunion credit File and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).

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