davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB (CA)

I made an in-store purchase at XXXX. Klarna was chosen at checkout as my preferred form of payment. I was provided a digital Klarna visa card which I used to purchase my items in the amount of {$310.00}. A week later, I returned the item to XXXX. The systems between XXXX and Klarna did not sign the refund. Klarna is still trying to charge me for a purchase that was returned. I did not find this out until almost XXXX  months after the return had been made. XXXX is requesting the digital Klarna card, Visa numbers so that they can process a refund. Klarna is unable to provide me with these numbers. He said it is something that they are not authorized to see as theres a XXXX time visa card. I do not understand how a company is providing payment options but they do not have the information that the payment was made on. Because XXXX unable to issue the refund without the information, Klarna is continuing to charge me. I have submitted multiple claims with Klarna spoke to multiple representatives where they said, there is no one in claims that I can actually speak to. There is no one who is a supervisor that I can speak to there is pretty much no one can speak to that has any type of authorization to do anything to resolve this issue. Continue to send me a message from claims requesting information such as the delivery date that my items were delivered and screenshots of my online order. I reiterated multiple times that this was an in-store order. They offer in-store Klarna Visa cards to use at the register, but yet they close my claim stating I am not providing them with the online information so my claim is denied. Ive been going in circles with this company who seems like a complete scam stealing, peoples money and charging them when they can not provide the information required for payment. Klarna will not steal anymore of my money.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services (PA)

I have attempted to reach out to XXXX to dispute inaccurate information on my credit report that doesn't belong to me. I have provided XXXX with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion will NOT take off my credit reportXXXX is reporting on my credit report for Transunionthis is a fraudulent charge ... .... After a year of fighting XXXX that it was not my debt XXXX has sent me documentation that the charge was not mine. 
Numerous occasions I have faxed the information and mailed the documentation to Transunion they have claimed they have not received. 
Fax on XX/XX/XXXX and put in mailFaxed on XX/XX/XXXX - dropped in mailFax on XX/XX/XXXX - dropped in mailagain on XXXX/XXXX/2015 to supervisor XXXX still they claim they are not receiving anything. 
I have received a fax confirmation that the fax has gon thru each timeconfirmed the fax number ; file number and Transunion confirms correct informationTheir response is they can take up to XXXX months to correct. Funny how that in XXXX year of disputing they can communicate with the collection companies via portal but the consumer when inaccurate accts. on report we have to fax ( which they never receive ) or MAIL. who mails anything. They just sent me today an updated credit report stating the debt has been verified but yet the letter attached claims this is inaccurate. 
I WANT XXXX XXXX XXXX OFF OF MY CREDIT REPORT ( TRANSUNION ) IMMEDIATELY.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/year>, I noticed suspicious unauthorized activity involving my checking and retirement accounts. I promptly informed both XXXX and Bank of America. After numerous calls ( over XXXX hours ) since the incident, XXXX still refuses to release the funds in the checking account ( {$5100.00} ) because they have a restriction on that checking account. A savings account of {$.00} also has a similar restriction. 

On XX/XX/year>, again via numerous calls, Bank of America told me to go to an onsite location in order to have the funds in the restricted checking account released. I went that same day and the onsite representative spent about an hour and half on XXXX phone calls. The end result was the same. XXXX wealth refusing to remove the restriction or allow me to move the funds elsewhere.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC (WI)

My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello To whom this may concern : My name is XXXX XXXX an active navy federal member whom has recently experienced a tragic situation with this company. 
I request to have my XXXX federal return direct deposited into my navy federal account, that was supposed to clear on XX/XX/XXXX unfortunately upon filing my return my account number was incorrectly recorded and was deposited into an account that is not associated with me. I reached out to the branch in XXXX Nc and was informed by a representative named XXXX to reach out to XXXX XXXX and have them submit a XXXXXXXX XXXX so that the funds could be reversed and returned to the IRS for an issuing of a paper check. That following Monday I did just so and was informed on the upcoming Wednesday that the request was denied due to no funds available. I returned to the branch on Friday of that same week and spoke to a XXXX whom escalated the matter to a supervisor and requested that the funds be retrieved and returned on my behalf to the IRS. I then got a phone call on Monday XX/XX/XXXX stating that the request was again denied due to non bank error. I then explained to the supervisor that contacted me in full detail she then stated that he would resubmit the request and try to push it through but was not sure because it was not a issue caused by the bank. I then got a call on XX/XX/XXXX from a XXXX stating she had no luck and I would need to contact the IRS and have them submit a non receipt form. 
At this point I am needing someone at NF to take ownership of their over site and correct this error as soon as possible. This whole ordeal has been extremely frustrating and has caused me to loose confidence in NF ability to protect my investments. 
Please feel free to contact me at ( XXXX ) XXXX As soon as possible to discuss further of a decision. Thank you for you time. 

XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

I have been a user of Coinlist since XXXX when they were started. 
I have registered with them and passed XXXX 
I had money in that account. About $ XXXX worth of cryptocurrency. 
My account was stolen and I've tried contacting them via their support tickets and the phone. 
Nobody is answering or responding to tickets. 
https : XXXX Other people are complaining about the same issues. That nobody is responding. 

My email and passwords were changed Mon, XX/XX/XXXX and the company does nothing till now. 

Please help.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (MD)

The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (OH)

I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing a complaint.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

this has been going on for abo ut 2 mths with captial one they dont  care are they treat you on my credit report ga power that dispute. there is no delq on my acct .it has been update
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (MI)

My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.
Consumer complaint received 2015-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (LA)

Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MD)

I had a contract with XXXX. They had to come out five different times to get the satellite right and they still did not get it right. I finally told them to come get their equipment.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (OK)

Both Convergent outsourcing along with XXXX XXXX XXXX, are still attempting to extort money from me. Every year XXXX XXXX try 's the same crap.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is convergent outsourcing doing the dirty work. Allegedly I owe XXXX XXXX {$4200.00} dollars this year. As always neither XXXX XXXX nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.
Consumer complaint received 2016-04-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (MO)

Received letter from CMR Financial Services , Inc, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA XXXX stating {$270.00} is owed XXXX XXXX XXXX XXXX XXXX ... this amount was written off by my insurance and this is an attempt to pay a non existent amount.
Consumer complaint received 2016-10-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Main Street Personal Finance (VA)

I was paying on a payday loan from Approved Cash the best I could. I had yet to pay this month 's payment. I was waiting on my money to come in. I had told them that I would pay this month. I had not paid on the third, yet told them it would be after the third before I would pay. I received a voicemail on my phone saying if I did not pay it now she would charge me with fraud. She said that she would call the police and have me arrested that day. I ended up having to borrow the money from my mother to pay the loan off. I went to another store to pay and was told that she should have not left that message. I was afraid to call or contact her store even to tell her it was paid. I was afraid that even when I paid it off that she would have me arrested.
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I approached XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ) to purchase a procedure under the name of XXXX XXXX XXXX with an advertised and invoiced cost of {$4000.00} to be paid in monthly installments. Before signing any documents, I made certain that the invoiced price of {$4000.00} would be without any interest added. The attendant XXXX XXXX made it clear several times that this would have no interest. During the conversation she made me sign on a tablet which I did without any time to read it as we were talking about the procedure. She also had me sign a contract without time to read it and gave me no copy of it. 
When I returned home, I went over the numbers and realized that I was being charged a much larger amount. I called that business on the next day, XX/XX/XXXX in the morning, asking for XXXX XXXX but they wouldnt put her on the phone, another employee named XXXX but I am not so sure of that name, listened to my complaint and my demand to close the contract. She confirmed the contract would be closed. I was not convinced so I went to the business and asked to speak to XXXX XXXX but they would not allow me saying she was too busy at the moment. I spoke to the receptionist, XXXX, who again promised me that they were closing the contract considering only one day had passed and I had not received any service from them. 
Two months later I received a communication from Synchrony Bank demanding due payment of {$430.00} due. I called them and found out this was because of the closed contract. The people from XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ) had anyway sent the request for financing by the bank, after we had agreed to close the contract over the phone and in person. I spoke to the bank and to my surprise, according to them my apparent debt was not only {$4000.00} but over {$6500.00}. The bank told me that they couldnt do anything but receive my complain and perhaps follow up the matter with the merchant if more complaints had been filed, because they had already given the money to XXXX XXXX XXXX. The complaint confirmation number is XXXX. 
This actions by XXXX XXXX XXXX are affecting my credit history and are causing me the stress to think that I have been cheated of money which I do not have and even if I did, my money is the result of my daily hard work just like anybody. I will appreciate your help. On Friday XXXX XXXX Allegro-Syncrony bank called me to tell that XXXX XXXX was refusing to return the money that was wrongfully received.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I recently logged into my credit card account and noticed that I was being charged a late fee the same day as my automatic payment was processing for the minimum due. This has happened for several months. I called and asked about why this is going on and the agent said I was set to a fixed amount and that because of that late fees were coming now due to a different minimum being due. I stated that none of my other accounts with them are having this issue, neither is my auto loan with the them. I asked for the fees and any interests to be reversed and offered to pay whatever the new claimed minimum is. Agent said there is nothing she can do except wave one fee.
Consumer complaint received 2016-05-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

This is a belated dispute to the response supplied by imortgage concerning my complaint of XXXX 2015. Their claim that they needed an appraiser to finalize XXXX form XXXX to verify completion of my home renovation is still fraudulent. They are well aware that form XXXX can be completed by either the lender or it 's agent, an XXXX, an appraiser or a XXXX. Imortgage had already released funds for two previous draws on my account with the verification of completion using documents from my XXXX. It would follow logically that after he submitted his completed paperwork and pictures of the final completion of my construction they would have him sign the XXXX form and release my remaining funds. After I complained about the misappropriation of other of my funds to imortgages representative, XXXX XXXX, he decided he would delay my payments and demonstrate his power to control my money. I had already paid the XXXX {$150.00} for the final inspection but XXXX XXXX figured he had the right to see me charged another {$100.00} for an unnecessary appraisal. This {$100.00} is what I want to have returned from imortgage. 
The reason for my delay in response has to do with having to refinance my mortgage, and taking my complaint to the California Department of Business Oversight. They were able to convince imortgage to return the other amount that was misappropriated but imortgage refuses to refund my {$100.00} using their distortions of the XXXX Guidelines to make their case. Any further help you can lend to help me get my {$100.00} refunded would be greatly appreciated.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian nor XXXX written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX