BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I detect several withdrawals from my checking account from the company XXXX XXXX XXXX California, XXXX. These withdrawals was not authorized by me. I called Direct Express on XX/XX/2022 and put in a dispute claim with a representative ( claim # XXXX ). She stated she will pass the information to the dispute department and, that I will soon hear from them. I called Direct Express on XX/XX/2022, I spoke with a representative and she stated paper work regarding my dispute will be sent out to my address regarding this matter. On XX/XX/2022 I called Direct Express to notify them I have not heard nor received any paper work pertaining to the issue. I called Direct Express on XX/XX/2022 spoke with a representative, and I was advised to email a letter about the dispute charges to XXXX. The dates and amounts are the following XXXX {$37.00} XXXX {$43.00} XXXX {$18.00} XXXX {$34.00} XXXX {$22.00} XXXX {$22.00} XXXX {$22.00} XXXX {$29.00} XXXX {$27.00} XXXX {$26.00} XXXX {$37.00} XXXX {$24.00} XXXX {$23.00} XXXX {$27.00} XXXX {$26.00} XXXX {$7.00} XXXX {$31.00} XXXX {$30.00} XXXX {$31.00} XXXX {$31.00} XXXX {$31.00} XXXX {$29.00} XXXX {$26.00} On XX/XX/2022 I received mail from Direct Express Fraud Department dated XX/XX/2022 that the investigation has been completed and there weren't any findings of fraud. Upon receiving this letter I called Direct Express again to re-open the claim and I was informed that I couldn't re-open or file a new claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Venmo has frozen my account, as well as the funds in it, leaving me with no way to retrieve my funds. 

My account is frozen because I closed my bank account, at the suggestion of my bank, after falling victim to a scammer. Venmo is aware of the scammer, but has not taken any action against him. 

I think that it is illegal for Venmo to hold my funds without any way to retrieve them. If Venmo wants to go through the collections process to retrieve the funds from the scam, then I would understand that. I am just asking for the funds that are currently in my account to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX  XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 
In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXXXXXX 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 2022-04-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am writing to better understand the legitimacy and legality of PMI and the removal process. 

Due the nature of the real estate market in XXXX ( and since XXXX ) home values have soared. And they do not appear to going down any time soon. 

With that, I am wondering why I am not able to take advantage of the current market conditions to remove my PMI. 

If you were to calculate my XXXX today, it would be in the XXXX ( % ). 

My mortgage is XXXX years old. 

My lender, however, will only let me remove it if I pay {$18000.00} toward the principle ( which is impossible given my current financial situation - i.e. just a normal working-class person, first-time homeowner, student-debt having, single-income household, paying $ XXXX for gas for my commute ), or show them proof of having made major improvements to my home ( adding square footage, a complete kitchen or bathroom remodel, etc. ). 

Neither of these is realistic and they know that. I live in a condo and make {$52000.00} a year. 

I have paid my mortgage on time since it's inception and I'm not even really mad about having to pay the PMI. 

It just seems that if the value of my home has increased, whether by my own action ( XXXX ), or by the natural forces of the market, if the loan to value crosses the threshold, PMI should be removed. The lender 's investment is safe -- for them to act otherwise is for them to act naive and ignorant ( and we know they are certainly not either of those things ). 

My $ 120 monthly PMI payment actually represents a fair amount of money for me per month. For a mortgage lender, I can only imagine that this sort of nominal fee is nothing more than pure profit -- it's really not all that different than how overdraft fees used to be. Surely, they serve a purpose and the concept isn't inherently evil or dishonest, but in this instance ( and I know there are many, many other people in my exact same position ), this is a fee that has far surpassed it's usefulness and necessity. It is now simply abusive and unfair to the consumer. 

I look forward to hearing back from you. 

Have a nice weekend. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a telephone scam in which the person posing as a XXXX police and prosecutor claimed that I was involved in a XXXX XXXXXXXX XXXX XXXX XXXX  and money laundering case and I needed to be repatriated to my home country. 
In order to not be extradited I needed to submit a proof of funds to the XXXX. So the other party asked me to go to the U.S. BOA bank at about XXXXXXXX XXXX EST on XX/XX/XXXX to remit XXXX XXXX dollars to the other party 's XXXX XXXX XXXX XXXX XXXX account, and to remit XXXXXXXX XXXX to the other party 's designated Industrial and XXXX XXXX XXXX XXXX XXXX XXXX  ) account through the cell phone APP of the XXXX XXXX XXXX 
I found out on the evening of XX/XX/XXXX that this is a scam, and completely lost contact with the other party.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On the following dates : XXXX XXXX XXXX XXXX XXXX accessed my TransUnion consumers credit report without my knowledge nor consent. I reached out to XXXXXXXX XXXX to inquire who and why my consumers credit report was accessed. They told me that I made an insurance quote request. They told me that I gave them authorization to access my report. 

I informed XXXX that I did not, nor would I ever give permission for them to access my consumers credit report. I also asked how they got my social security number and other personal indicators to access my consumer credit report. They the management representative I spoke with was not able to answer my question. 

I requested they produce competent evidence written or verbal recording that I provide them my personal information and permission to access my consumer credit report. More than a reasonable period has passed since my request with no response from XXXX. My attempts to follow up with the management representative have been unsuccessful. My voice mails have gone un-returned.

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 2023-03-01
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022 I was alerted by my XXXX credit alerts that an account that was opened in my name and social had gone into collections. I opened my account to see that it was from XXXX XXXX XXXX who is attempting to collect the debt for XXXX XXXX XXXX. There are based out of Texas. A phone plan was opened in my name and social and never paid for. I am a victim of identity theft. But the phone number used to open the account was not mine. It was ( XXXX ) XXXX. Ive had the same phone number with T-Mobile since I was XXXX XXXX XXXX and that is XXXX. I did not open this account and have had several accounts opened out of Texas in my name. The amount owed is XXXX. This person living there has my information I assume and has been opening whatever they can in my name. A XXXX XXXX XXXX account was just opened in my name in PA as well. This is an ongoing thing that Im trying to stop because it is ruining my credit and my life. I had good credit before this and have been fighting for months to keep getting all these accounts being opened off of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX, Experian and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never XXXXFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions.

15 U.S.C 1681 section 602 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 an 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 explanation
Consumer complaint received 2020-05-07
Company: ONEMAIN FINANCE CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2020, I called One Main Financial to obtain the payoff amount for my loan. I spoke to a female representative at the company who provided the payoff amount {$2200.00}. I made the payment online the next day XX/XX/2020, less the {$0.00}. The email attached provides a confirmation number XXXX for the payoff. On XX/XX/2020, One Main Financial deducted my regular automatic payment of {$190.00}. On XX/XX/XXXX, called the company and spoke to XXXX. He told me that the female representative gave me the wrong payoff amount on XX/XX/XXXX. He gave me the payoff balance through XX/XX/XXXX, which is {$2400.00} and refused to refund the automatic payment because I didnt pay the XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. I want the following inaccurate items to be disputed and removed.

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 2022-04-08
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.

Company response to consumer: Closed with explanation