BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: TRUSTMARK CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a trustmark bank account here in  XXXX  Al this account have been open for about  XXXX  months when I first visited the bank branch located in  XXXX  's corner here in  XX/XX/XXXX  the person who open my account never asked me if I wanted to opt in or out for overdraft. So about a week later I received a letter stating that they see that I opt out for overdraft in which she never asked me about it so on       XX/XX/XXXX     I called customer service at  trustmark  and requested to be opt in. And about 2 days later I was. So I deposited a check in which was written to me for an weight bench so I withdraw some of the funds and the check was returned. So the bank charged me the {$36.00} fee and Also the money that I withdraw from my account which was about {$260.00} total I have direct deposit of my pay check so when I went to  the drive  threw to make a withdrawal she say the total amount was not available so I sad I  will drive  around and come in and speak with some one so I did and the person at the new Account desk in which her attitude was bad and Was very rude so I made my withdrawal and left so the next day  I  called the corporate office of  trustmark  in  XXXX  Mississippi and she directed me to a person who was at the downtown branch and she was over the local managers so I told her what had happen and she appolizes and said she would talk with the mangers about their attitudes and I also mentioned to her that the corporate office did say that this would be kept confidential she said yes of course. The next day when I tried to use my debit card in which I had a courtesy overdraft limit with my account the purchase was denied so on today XX/XX/XXXX  .  I decide to just call the bank and see why the rep. Told me that I was opt out on   XX/XX/XXXX     I said by who? She put her manager on the phone the mange said it was done by a  XXXX   XXXX  at the downtown location and she did n't no why I stated to her that I did n't give anyone permission to make changes to my account at all. She stated that should have never been done by an employee and put it back on   XXXX  . I have called and gotten information that this worker should not have been able to make any changes to my account without my consent. Please check into this because if this is the case she can do whatever she like and the customers will have no knowledge of this to this day almost a week late I still have n't received any letter about her opting me out of overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: OH
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:
While looking at my XXXX report I saw that there were 10 addresses to XXXX Ohio. I have owned my home in XXXX Ohio since XX/XX/1993, I called to get it taken care of and XXXX told me there Is a WFDillards credit card account linked to this address against me. I told them it is not mine that I have never lived there and that they can look to see I put a fraud alert on my account. I cant get any help with resolving this issue. Where do I go from here?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've disputing this account for a whole year now and nothing has been resolved and its errors all over my credit report and nothing has happened. I disputed my account myself several times over and over and EQUIFAX still haven't reached back out to me not one time and its been very frustrating. The date of last activity is incorrect the high balance also is inaccurate there's a lot of information that's on that's hasn't been fixed or deleted. 

So now I want to seek damages for financial injury. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account I've been disputing for so long deleted now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sine and wiener placed an illegal collection on my credit reports that I do not owe. Ive never done any business with this company nor has the company provided any proof I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Your selection does not adequately describe my problem. The credit bureau according to XXXX stated that I was no longer living. THIS IS SERIOUS< AS YOU SEE I AM STILL LIVING. I tried contacting XXXX XXXX  who explained they could do nothing as they received information from Experian. And of course Experian denied sending them the information. 
I have written to both agencies only to receive radio silence. My credit took a hit for a hard pull by XXXX. 
I am hoping you can help.

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 2017-03-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
Citi Cards canceled my credit card without giving me any notice. The letter I got from them a week later was dated the day my credit stopped working. I was told by customer service the loyalty points I had accrued would be valid for 60 days but when I checked later on they were also canceled. From XXXX I have gone to XXXX point when I was told that I was welcome to use all of them before expiring 60 days after the card cancellation date. I have no debt, paid my bills on time and have very good credit.

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 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Capital One Auto Finance is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed in XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is in XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the Capital One Auto Finance but they are refusing to delete this account.Please delete this account ASAP.My cell phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a large payment on my PayPal account, and because I usually make smaller payments, PayPal flagged this as unusual behavior and placed a freeze on the payment for 13 days. This is a business credit card and I have other purchases pending on this card and may not have the credit line available for all of them so I called PayPal to try to resolve the issue. They asserted nothing can be done for 13 days. Then I got a text message " from '' PayPal ( though I'm now realizing it was likely a scam ). It asked for a lot of personal information, my social security number, mother 's maiden name, and credit card information and I supplied all of it and submitted because the interface matched PayPal. But after submitting, I saw at the bottom of the page that there was a warning saying the page isn't secure. The URL associated with it is : " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ASTA FUNDING INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Chime Financial Inc
State: CA
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:
My card was lost/stolen on the evening of XX/XX/2022. There were XXXX charges that I did not authorize at a bar/lounge/restaurant called XXXX XXXX  XXXX XXXX  for XXXX and some other place called XXXX XXXX for {$20.00}. When I became aware of the charges the next day on XX/XX/XXXX, I reached out via a chat in the banking application to dispute the charges and replace my debit card. I was informed because they were pending charges that I could not file a dispute until they were finalized. The next day on XX/XX/XXXX, I saw that they had become finalized and completely overdrew my account. I reached out and filed a billing dispute via the company ( Chime ) application. On XX/XX/XXXX, I was notified that my dispute was was denied, but I was provided no reason as to why. 12 days later ( today ) I have still not been notified nor have i recieved a response from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates LLC continue to send collection letters requesting {$1200.00}. Several dispute letters were mailed to this company requesting removal of in accuracies from my credit reports. The agency was advised that they were in violation of Fcra and Fdcpa. They were advised that to list information on credit reports was violation of my rights by reporting false inaccurate information by placing these false accounts on my consumer credit reports. the list collection that are reporting has not been opened by me and I have no knowledge of them. Please be advised that by law I have right to PRIVACY and the credit reporting agencies have violated it. The list of accused collection accounts and dates are Portfolio Recovery Associates LLC date XX/XX/21. By Law when an consumer starts a dispute with credit reporting agenices, the account the consumer is disputing must be deleted until further investigation. The credit reporting agencies as follow XXXX, XXXX, XXXX, and XXXX are currently in violation and has violated my rights under FCRA and FDCPA under code 15 U.S. Code {$1600.00}. I have sent letters to Portfolio Recovery requesting verification of account and I have requested them to send contract that authorizes them to collect money from me. The original debt was not with them and they are violating 1. 15 USC 1681 ( a ) ( 4 ) they have violated my right to privacy and per 15 USC 1681b, I did not give them written consent to furnish any information to anybody per 15 USC 1692 ( g )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to check on alleged debt that was on my credit report and inquire about removal also requested proof of this alleged debt. I never received proof and the account is still reporting negatively. I have written emails requesting this proof of debt to the Consumer Collections Manager XXXX XXXX on XXXX XXXX, 2022. I have not received any thing in the mail yet, which means they need to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to make a payment to my insurance company through PayPal, I have over seven different accounts with PayPal so just like any other transaction I thought I would be prompted to select which account I want to use. I was not and what happened was they automatically selected my bank account. I went onto PayPal to try to change the payment method and at that point I determined it was too much of a hassle so I cancel the payments and paid through my own independent method. In that time PayPal attempted to take that same money which was {$310.00} out of my account three times which then XXXX calls for me to be charged overdraft fees. I reached out to PayPal to inquire about this as well as asked them to give me my money back for my overdraft fees and I was told that they would give me a letter but there was nothing else that they could do for me. I spoke with a XXXX who is a supervisor in the debt collecting department, which I was not supposed to be connected with to begin with because the money had already been taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity back has supposedly been going through a " planned system update '' since around XX/XX/XXXX. I have been trying to call Comenity as well as XXXX XXXX and they aren't taking calls. The line hangs up on you. I have tried online and you can't do it online. I have been charged fees because I can't make a payment but we can't make payments because the entire system is down. So far I have been trying to talk to them on XXXX daily, call daily, and check the website daily. It's a nation wide outage. No notice was sent out of any kind of update occurring and this doesn't sound like an update. It's been almost a month since this all started and millions of customers are angry. The bank keeps posting on social media that customers can access their accounts, but we can't! You can't even cancel the card because there isn't a customer service connection of any kind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 ) XXXX  - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CITIBANK, N.A.
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: Other problem

Complaint:
Overpayment of {$14000.00} dollars made to Citi Card on XXXX, 2022. We immediately called and they said they would issue a check. We never received check. I have called every two days to see when our money would be transferred back to our checking account. They took router and checking account number 3 times. I have been told repeatedly that this needs to be approved even though it has been approved several times. 
I contacted XXXX XXXX, XXXX  of Citi. No response from her. When I called to check about refund again they said executive is handling and will be in touch. After 4 days of no calls I contacted Citi again. I had to go through the ranks to get to executive dept. i was told it is being held up for approval. They said that I will have an answer no later than XX/XX/2022. This has gone on for to long. 
I am always promised a return phone call and it never happens. Spoke with XXXX today and she said she will be back in touch by no later than XXXX. I really do not expect a phone call back since no one has wver returned my call except XXXX who said the money would be in our account in three to five days. Needless to say no money put back in our account. 
I even contacted Chairman of the Board XXXX XXXX by email today.

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 2016-06-02
Company: GVA Holdings, LLC
State: IA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I accepted a payday loan from Northcash without realizing the higher interest rate. I was loaned {$500.00} and was expected to pay back more than {$1000.00}. I made over {$600.00} worth of payments before I realized that their practice of requiring the use of automatic ACH transactions was illegal, that the interest rate was more than the allowed interest rate for Iowa payday loan laws and that they were not licensed in the state of Iowa. I have contacted my bank to stop the ACH transactions but Northcash is harassing me and calling all hours of the night and sending collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Maximus Education, LLC dba Aidvantage
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:
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Nelnet, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has not reported since XX/XX/2021 and the customer service is being on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened the citigold bank account with citibank with promotional code promising a credit of XXXX American Advantage miles after meeting all the requirements. After inquired about the status I was denied the promotional credits because I was not targeted for this promotion. 
I have document showed that i have the promotional code attached to my account and I would like citibank to honor 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