BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 am writing to dispute a billing error in the amount of {$700.00} on XXXX/XXXX/XXXX. The amount is inaccurate. I am requesting the error be corrected, that any finance and other charges related be credited as well and I receive an accurate balance. A clerk at Kohl 's Department store processed a payment for {$700.00} on XXXX/XXXX/XXXX, instead of the correct amount for {$100.00}. The bill, was for {$100.00}, the check was written for {$100.00} but the clerk keyed in {$700.00} and it was debited from my XXXX checking account. On XXXX/XXXX/XXXX I notified XXXX of the error. On XXXX/XXXX/XXXX XXXX confirmed the incorrect amount was charged and stopped payment for the {$700.00} and allowed correct payment for the {$100.00}. Kohl 's is still showing I still owe {$700.00} with interest and late fees. I never made any purchases for {$700.00} and have not been able to resolve this with Kohl 's Department Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
This item repeatedly being reported to my credit file should be removed immediately. I do not have a contract or service agreement with this company XXXX XXXX XXXX XXXX. I repeatedly asked for proof of contract ( s ) with signatures with no response. Also, this company is not legally allowed or licensed to operate in the State of Georgia, or demand collection of debt, and is in violation of State law. Please remove this item immediately and cease from further reporting.

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 2023-08-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So, I sent {$500.00} via CashApp months ago to another user in order to purchase a camera that was being sold through XXXX XXXX. Before sending the money, I verified all the information I received from this person. Everything matched so I felt secure in sending the money. I did and, a week later, I found myself without the camera I purchased so I reached out to CashApp Support. They told me that I had to go through my bank which I did. After a month or so, I was told by XXXX XXXX that they couldnt credit me my {$500.00} because CashApp fought them tooth and nail not to even though the card that was used to make the purchase was indeed my personal debit card. I reached back out to CashApp to find out why and all that was said is that theyll agree to fully cooperate with my bank which made no sense at all. XXXX XXXX had already closed my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: CORELOGIC INC
State: NY
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:
There are 3 hard Inquiry on my file report on XXXX  that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX XX/XX/XXXX XXXX  XX/XX/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
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received two separate emails from Bank of America : 1. ) requesting to validate my email address and 2. ) and another subsequently indicating the credit card application had been approved. At this time, I disregarded the emails considering it spam and placed in my email Trash to discard and thought nothing else of it. 

On XXXX XXXX, XXXX I received an email from my XXXX XXXX through my banking entity detecting a change on my credit file as there had been a new inquiry request by Bank of America for one of the 3 credit bureaus to complete a credit check. I immediately called my XXXX XXXX entity to notify them of the unauthorized fraudulent activity. The necessary information was taken to forward to an investigator to return my call within 48 hrs. 

On XX/XX/2022 a text message was received from Bank of America congratulating me on the credit card, it was approved and that the card is on the way. This was received at XXXX from text code XXXX. It is attached, I had to forward the text to my email. The night of XX/XX/2022 around XXXX I received another email indicating the card is on the way, last 4 digits of the card # assigned and included my name and address information on this correspondence, and the card should arrive within 5-7 days. There was no credit limit noted on either email. 

Now I'm very upset and wondering what's going on as I had not submitted a credit card application to Bank of America in any form or fashion. I don't bank or conduct any business with Bank of America and I'm perfectly happy with the banking entity I use at this time. This activity was not authorized by me. 

On XXXX XXXX, XXXX I went to a local Bank of America and spoke with a Service Rep/Account Specialist verifying my identity, explaining the fraudulent acts that had occurred and disputing the request for this card as I was not aware of this activity until I began receiving correspondence on XXXX XXXX. The Service Rep/Account Specialist was helpful in speaking with their Fraud Dept. and I also spoke with the Rep in the Fraud Dept for 20-30mins. She indicated they would lock the card, the account will be blocked and closed. If the card is received destroy it. The Rep also indicated I would receive a Fraud statement/report in the mail w/i 10 days. They will also be in contact with Credit Bureau. 

On XXXX XXXX I received a call from an investigator with Fraud Restoration taking the necessary steps to protect my identity and to deter any future unauthorized activity.

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 2020-02-19
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: Their investigation did not fix an error on your report

Complaint:
I do not owe XXXX XXXX XXXX this debt, they have no debt validation for this debt. I have no contract with XXXX XXXX XXXX Also XXXX XXXX XXXX is in violation of my HIPPA rights. I never authorized XXXX XXXX XXXX to hold my medical records. Experian is also in violation of my HIPPA rights posting medical debts on my credit 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 explanation
Consumer complaint received 2017-09-27
Company: National Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A XXXX XXXX left me a voicemail that he did n't know why I do n't return my important phone calls and I needed to call right away. When I called him i told him that I had just had XXXX XXXX and was not able to get to the phone he asked me to verify myself I told him my birthday he told me that I was in default and needed to pay because my loan was in a collection agency. I told him I had just graduated and was told that would n't happen until 6 months after I graduated. He said he had me graduating a year prior. I told him he was not correct. I told him that I was starting XXXX XXXX and was under the impression that my school loans would be differed. He said not for private loans. I said I have only got loans through the school. He said they had sent me letters about my loan payments and He asked me to verify my address I said my address is updated with the loan company so I am not sure why they do n't have the correct one. He gave me an address that I had never lived at. I told him that I would call into my school loan agency and get it resolved. I told him that when I completed XXXX XXXX I was going to do the program to rid of my loans after working for a XXXX XXXX for 10 years. He told me if I did n't make a payment then it was going to ruin my credit. I told him I already had bad credit because of my ex husband that I was not working because I just gave XXXX XXXX XXXX XXXX and I would look into it. When I called into check they said all my accounts were in good standing and differed. Then number they are calling me from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
State: AL
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:
Noticing a XXXX credit card on my credit file which I never applied for anything of that nature yes I am a victim of identity theft someone was apparently stealing out of the mailbox at my mailing address they obtained my personal information my old phone number my social which was on mail from the social security office. My complete identity was stolen to the point they even act like they were me to get access to my credit report information and change things on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i did not receive a bill and when i called they added fees and i have called a bunch of times

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 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX is holding {$4100.00} XXXX Dollars on case number XXXX. The merchant is XXXX XXXX merchant number XXXX. I made the payment using Bank of America Visa credit card on XX/XX/2023. I have opened a dispute with BOA claim ID is XXXX on XX/XX/2023. USD amount is {$3000.00}. The payment is for the rental of a condominium in XXXX XXXX. XXXX arbitrarily decided to cancel and close the merchant account without reason and demanded and received back their credit card machine. They have refused to pass the payment to the merchant, and have told the merchant they were going to hold all funds in the account for 6 months. They instructed merchant to tell me to request a refund from my CC, which I did. I have contacted BOA 4 additional times and they have not issued a credit and are taking no action to resolve the dispute. They have indicated we will need to wait 90 days to see if the merchant will not dispute the charge back. The merchant has already contacted XXXX and sent them written instructions that they will not dispute the charge back, and requested they refund the money to BOA, but they have taken no action. REQUESTED ACTION : XXXX needs to refund the credit to BOA so I can pay for the rental and access it on 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
Consumer complaint received 2019-01-12
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt on my credit report from : Telerecovey of Louisiana I have disputed this debt many times with XXXX, XXXX, XXXX. 
I am unaware of this debt, yet this company is reporting that the account belongs to me. 

1. I NEVER received a letter of Debt 2. I DO NOT KNOW OF THIS DEBT 3. 
On XX/XX/2018, I mailed a Validation of Debt Letter to the company. I mailed letter to the address reported to the credit bureaus. I asked for reason of debt, original contract signed by me, and calculations of Debt. 
It has been 30days, and I have not received a response. 
This is wrongful collection practices.

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 2021-03-08
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2021 I informed the credit bureaus of wrong information on my credit report Such as collections inquiries derogatory marks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Corrective actions were not completed relative to previous Complaint # XXXX. 
Ditech continues the following : ( 1 ) not post payments upon receipt on or before funds are credited to the payee, ( 2 ) continues sending monthly statements indicating three payments delinquent, ( 3 ) did not reimburse late fees charged for payments received on time, and credited to DItech, ( 4 ) did not correct/update credit reports to correct false info reported throughout XX/XX/2018, ( 5 ) did not provide a response/clarify why {$15.00} were charged for XXXX XXXX XXXX, ( 6 ) refusal to provide the information required to set up payments by a monthly payroll allotment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  that was requested on numerous occasions in 2018 ), ( 7 ) Last  Statement dated XX/XX/2018 due XX/XX/XXXX stated {$4000.00} were delinquent for XX/XX/XXXX thru XX/XX/XXXX ( False Information ). FACTS :XX/XX/XXXX- Credited to Payee XX/XX/2018, XX/XX/XXXX- Credited to Payee XX/XX/2018 and an additional payment credited XX/XX/2018, and XX/XX/XXXX- Credited to Payee XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was notified by mail that Continental Credit Control ( CCC ) was attempting to collect a debt owed to XXXX XXXX XXXX XXXX ( XXXX ) for a service from XX/XX/XXXX. I contacted XXXX forthwith, leaving several messages and my phone number. They could not provide me with documentation for the service that I have been alleged to have received. XXXX patient services informed me on XX/XX/XXXX that their billing records do not extend to XXXX. I was told a supervisor would contact me no later than Wednesday XX/XX/XXXX. However, I never received further correspondence about this matter from XXXX or their patient services. Consequently, I contacted consumer finance about the issue and was told to send a certified letter to CCC disputing the debt. I have requested they send documentation for this debt and additional information about it as well. I mailed the letter on XX/XX/XXXX to CCC at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX tracking # XXXX. They received this letter on XX/XX/XXXX. Unfortunately, CCC has not responded to my requests for assistance in regards to this matter nor have they provided me with legitimate documentation about the debt they are attempting to collect. Additionally, they have put this collection on my credit which has negatively impacted my life. As a result, I have filed a complaint with the Federal Trade Commission ( Ref. # XXXX ). I feel as if I have done everything within my power to settle the matter but have not received any assistance from the XXXX or CCC. I would like to file a complaint against the CCC and have them remove this collection from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a complaint about Credit Karma, which provides banks and credit card companies with referrals to solicit business from consumers. In the interest of refinancing my home with a company advertised in my Credit Karma account ( New American Funding ), I made a refinance application with XXXX XXXX XXXX, after shopping with a few other banks. I decided on XXXX because they promised to close my loan in 3-4 weeks. And after three months XXXX decided to terminate my loan. In short, this was done because XXXX did not want to honor my rate lock, which was made exactly two days before the Fed made their initial rate increase this summer. XXXX stalled, redundantly asked for documents, and attempted to change the terms of the loan, adding around {$7000.00} in additional closing costs at the eleventh hour. They also refused to honor the locked rate of 5.1 %. XXXX was dishonest, unethical, and in my opinion, operated illegally in their dealings with me. I have already filed a complaint about XXXX with CFPB. However, this complaint is directed at Credit Karma, for exposing me, their customer, to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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:
According to my recent credit report request from XXXX, XXXX, Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
This complaint is regarding the Equifax security breach, wherein my information ( along with XXXX XXXX others ) was compromised in a cyberattack from XXXX through XXXX XXXX. The affected user accounts were not informed until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease in XXXX and have not received my title. I call bmw and they assure me it is going out but I do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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