BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Navient Solutions, LLC.
State: SC
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:
Peace love and abundance. 
According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

also 15 U.S. Code 1692c - Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

as well as the agencies not supposing to report on accounts older than 7 years of age. 

With this being said : All items being reported on my credit should be removed immediately! 


DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$3100.00} DEPT OF ED/ NAVIENT Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00} +

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Financial Credit Service, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ID Analytics, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from SageStream, XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, dated XX/XX/2021, informing me that it was a confirmation that a security freeze was placed on my SageStream LLC security file. AnPIN was provided in order to remove the freeze. However, I dont have any knowledge of who this business is. I contacted XXXX to place a fraud freeze on my account and can manage it via their website. The business is tricky in that you can not call and speak to anyone. You have to do everything on line. In order for me to remove the freeze, I have to submit my SSAN, photo of my drivers license showing my date of birth, and address and telephone number and I did that on XX/XX/2021 but the freeze has yet to be removed. My concern is I only contacted XXXX and am not sure how or why SageStream would put a freeze on my account. This business needs to have personal contact with legitimate customers who may have questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified transunion and XXXX  that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification

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 2017-12-08
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im on XXXX and having a tough time making financially. I saw the CashNet commercial and applied for a {$250.00} loan. I was approved and when paid back they sent a message saying I could apply for a {$2600.00} loan. Rent was due and I was desperate so I applied. They sent me a message saying I was approved and they were putting the money in my account. They sent me a document packet with a promissory note. When I open the document for the first time I was given the terms. They are charging me a total of {$8000.00}. The interest rate is 189.13 %. How is this legal? Shouldnt I have been give this info upfront so I could have decided if I wanted to do business with them. I would think people applying for Pay Day loans are experiencing some type of financial hardship and this company is taking advantage of them. Is there anything that can be done about this predatory behavior? My rent takes up half of my XXXX check. After paying back CashNet I only have about a fourth of my monthly income to buy food, pay utilities, pay for medical and insurance, buy gas, etc. Had I known upfront CashNet did people this way I would have never applied for a loan with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im a simple banking customer transitioning to BBVA. Ive been trying to gain access to my account, which they have locked for no reason. 
Ive been calling to gain access but they claim to not hear me and immediate stay call them back and hang up. I just want access to my account and funds but they have not done so. Theyve changed my routing number, and because of that Im unable to pay my credit card bills as I need the routing number to link my account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I originally have a personal loan through loanatlast.com. I did a XXXX search to login to the main site and at the top of the page was loanatlast.com.co. I did not catch the. " co '' and therefore clicked on the link. To login it asks for your phone number and social security for password. After I realized that it did not log me in, I was suspicious. So as I was reading more I realized they were impersonating the original loan company and therefore just captured my phone number and social security number. 

I tried to dig through to get contact information, but nothing they have stated on the main site does not contain legitimate contact information : Contact Information : Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX INFORMATION FOR ISPs : Website : www. Loan At Last Company name : Loan At Last Email Address : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening. 

HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account. 

I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be  before the statement close date each month and two would be after. 

The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC. 

The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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:
I have called and submitted a dispute with an agent at Equifax and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I lost my XXXX XXXX debit card, so in the interim while waiting for the replacement card, I bought a prepaid card to pay bills online. I activated the card XX/XX/2021 with a {$300.00} balance and attempted to use it to pay bills online. It was declined. When I called NetSpend, they had me verify who I was but listing a number of previous addresses, ppl known or not known to me, and phone numbers. Once I did this, she told me the card was now active and ready to use. I attempted to use online a second time and the same thing happened. I called customer service again and was told I would have to do the same thing. When I explained that I had already done this, he then told me I would have to mail in documents proving who I am. DL, SS #, utility bill - everything anyone would need to use my personal information for identity theft. I asked why if I have a card that I put money on, do I have to jump through all these hoops to use it? He said it was the only way and the call was disconnected. The 3rd time I called I was told that the card could only be used in stores and not online. I attempted to do that and the card was declined. The 4th time I called I told them to cancel the card and just mail me a check for my money. He told me someone would call to verify my mailing address. That never happened so I wrote them an email on XX/XX/2021 explaining my situation and provided my mailing address for the refunded amount on the card which was still {$300.00}. They replied by email and told me to call customer service. It's a joke! They should not be allowed to keep my money and I want it back and them out of business. I'm sure I'm not the first person to complain about NetSpend pre-paid debit cards.

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 2019-01-28
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Reference cfpb complaint : XXXX. PayPal did not act in good faith. They are responsible for scam, fraud, unauthorized transactions, gift card, etc. 

In PayPal 's response they admitted that the transactions were unauthorized, they were not responsible for the gift cards and blamed th activity on a third party. 

I initiated the call to PayPal at XXXX to see who was the third party using my account. the rep said they had to update the program on my computer. From there they started depositing large amounts of money in my bank account and instructed me to go purchase XXXX XXXX XXXX and read the numbers back to them at another phone number which was XXXX or XXXX. I fell for that the first time. When I refused to do so again, the supervisor was put on the phone ( mine you this was all from PayPal - not a third party ) an deposited a larger amount of money, then order more gift card through XXXX ( unauthorized ) .At the same time they were trying to withdraw funds from my credit card ( unauthorized ) .After all of that Paypal would sent me an email saying " transaction error '' after they though the accomplished financial gain. Whos to say those were not dummy accounts. Either way PayPal wanted financial gain off of someone else 's loss. PayPal, also never answered my question " who was the third party using my account? '' I made no transactions or sells. Nor do I sell the products they claimed was sold. If they are not responsible for what a third party did, then I should not be responsible either. So why should they want money if they did not do the transaction. 

My computer history says a transactions was done by PayPal, not third party. 

I am not responsible for any negative charges, due to fraud and scam. 

PayPal did illegal transactions - Everything was unauthorized. Scamming employees, workers. 

PayPal did not act in good faith. PayPal scammed, did unauthorized transactions, committed fraud, and is still committing fraud. 

There should be a further investigation and a shutdown. They have no right to withhold, use or have access to other people 's funds without a valid reason. Theft. 

If they would not have ask me to commit a crime, then their contracts are legal. but once they asked me to commit a crime, their contracts became null and void. That is law. 
*note, by asking for me to commit a crime, I can also ask for punitive damages. When they did that, it opened them up to being liable Refer to Complaint : complaint : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
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: Old information reappears or never goes away

Complaint:
I have been disputing the following account for almost three years now : XXXX XXXX XXXX Last Reported Status : 90-119 Days Late Last Payment : XX/XX/XXXX Balance : {$9400.00} I have disputed it with the agency, as well as the credit bureau. The credit bureau subsequently removed this account ( XXXX XXXX XXXX ) from my credit file on XX/XX/XXXX. The account has reappeared on my credit file under XXXX XXXX XXXX. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I called Chase to set up auto payments beginning in XXXX. The csr said since the payment was due XX/XX/XXXX it wouldn't be enough time to do an auto payment for XXXX. She said I had to pay her on the phone with a check. So I canceled the one time payment for XXXX, set up auto pay to start in XXXX and paid her with a phone check. That payment was processed for XXXX. On XX/XX/XXXX Chsse took a duplicate payment of XXXX. I called Chase on the XXXX and said give the money back. The csr verified it was a duplicate payment and said the XXXX would be in my account in 3 business days on the XXXX. Chase failed to return it on the XXXX. I called on the XXXX and several supervisors said they see I should have gotten it. Had no answers as to whether they would every process the refund. Had no answers asto why they continue to wrongly hold my money. Everything is " we don't know '' anything about anything. We don't know if you'll ever get it. We just don't know anything other than you are entitled to have it back. Whenever the mood strikes us. They said they will not give me the same money they would charge me if I didn't pay them til I felt like it. They said I will never get an extra dime no matter how long they choose to not refund it while THEY make daily interest on it and I can't pay my bills cuz they simply don't perform. Plus the customer service is nightmarish. They also said they have no idea who I should file a complaint with about them. I had to do my own research and call a Federal Reserve to get this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir/Madam Im reporting this issue here with a purpose to raise your attention. I once contacted our Customer Service via phone months ago, and was then issued a case number XXXX. I was told I will be reached after 1 or 2 weeks, but I never received your response by phone or by mail. I understand it might be the COVID-10 pandemic that disrupted lots of things. 

In simple words, I converted my Citi ThankYou Preferred credit card ( XXXX ) to a Citi Double Cash credit card ( XXXX ) last XXXX, as I had two TYP credit cards then. I did that via phone with our Citi customer service, and kept asking to ensure I wont lose points before making the decision to do the conversion. My understanding is that the points will be linked to my another ThankYou Preferred credit card after chatting with our staff. However, I lost XXXX points due to that conversion after a couple of months. Months ago, I contacted our Customer Service again with a hope to get my lost points back, and was issued the case XXXX. 

Thanks for your attentions XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: California Business Bureau, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a recorded call today of them implicating their attorneys when I requested them cease communication via all mediums especially my consumer reports. XXXX was very disrespectful and certain their attorneys would handle this in court. Also said because I sent a certified affidavit and cease and desist pursuant to 15 USC 1692c ( c ) that they do not have to stop communicating the debt to me which it says in that law clearly that they do. XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ID Analytics, Inc.
State: NC
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 have submitted my identification and social security card for your review along with my FTC report, due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are failing to review and/or research any of my dispute letters. I have not received any communication from XXXX ; XXXX or Transunion regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. ( 1 ) You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. ( 2 ) Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. I respectfully request the following items be reviewed by XXXX and Transunion XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Also, I respectfully request the following items be reviewed by XXXX and Transunion - XXXX XXXX  partial account number XXXX and XXXX XXXX partial account number XXXX. ( Please see attached pages from 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