BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
While owning a XXXX in XXXX, I signed up for XXXX paid services from XXXX XXXX to XXXX XXXX ( XXXX year ), and when term of the contract was up I did not continue with them. Since then I had never had any business interactions with XXXX and last year ( XXXX ) I sold my XXXX. 
On XXXX XXXX, XXXX, XXXX years after I had worked with XXXX, I received a charge of {$82.00} from XXXX on my American Express XXXX credit card. I called card and reported that I do not authorize this transaction. I called XXXX, and they figured out that current XXXX just recently started a paid advertisement campaign with XXXX. While signing them up XXXX did n't bother to ask them for credit card information because they have my card associated with the same billing address on file. All that because they have a policy in place to keep all credit card information on file indefinitely. This is why my card was charged. Even though my card 's billing address has been changed long time ago. 
When I spoke with XXXX 's billing representative ( XXXX times ), instead of to apologize and offer to refund money, she said that until current studio owners wo n't pay, XXXX wo n't return money back because this is their policy. 
I thought that as soon as they recognize a total mistake on their side ( it was absolute professional negligence ), they will take all measures to correct it ASAP. Instead they offered me to call current business owners myself and ask them to give XXXX their credit card instead of mine. 
It sounds pretty outrageous as we all strive for perfect customer service and XXXX prizes itself of being a site that helps businesses improve their customer services by people leaving their honest opinions. At the same time as we can see XXXX policies are far from perfection. 
Moreover, when new XXXX did called XXXX and provided it with their credit card information, XXXX announced to them that they anyway will not refund my money. They simply do not have policy to refund in place. 
I feel like I am dealing with the company from the XXXX world country so rude and unprofessional all that sounds. 
I need your assistance in resolving this issue. At the same time I believe that XXXX should be forced to change their credit card information storing policies as they violating customers rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/XXXX, l signed for Debt protection with PenFed Bank l was been billed almost {$55.00} a month, fast forward to XX/XX/XXXX, l lost my business and l need help with my debt protection pending getting back on my feet ; l was declined due to RED TAPE that internally created by PenFed to discourage folks from applying for debt protection, l was asked for numerous documents l submitted every single documents despite all this documents l was declined debt protection and l was told by one of the PenFed representatives that only DEAD PEOPLE qualified for debt protection, because l am still living l do not qualify ; l found this very offensive, l attached application form for debt protection ; this document clearly says in case of involuntary unemployment l am qualified, l paid over {$5000.00} for this protection now that l needed it l was denied for unreasonable reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-05
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt was just listed on my credit report as " XXXX XXXX XXXX '' and does not give an origination date of debt or what type of debt it is. The date reported on my credit is XX/XX/2021 and is listed twice with both amounts listed as {$1900.00}. Please note specific date of debt and accurate amounts. Also, please identify the type of debt that this is. This is a debt from XXXX XXXX XXXX in which the wrong insurance information was used by the hospital, therefore the owed debt falls on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got a reverse mortgage in 2005 to pay off a previous reverse mortgage and get funds to help my granddaughter who had XXXX. 
I previously also had a property tax deferral through my state of Oregon. After the reverse mortgage was completed I reapplied to defer future property taxes. I pay my own property insurance. Something went wrong and the property deferral was delayed for two years and because of this the reverse mortgage company paid the delinquent taxes. 
After many calls from the reverse mortgage company ( Financial Freedom ) we agreed on a repayment plan of {$10.00} per month. That was deducted from my bank account for a number of years. The reverse mortgage company then claimed it was taking too long to pay off the balance and demanded more money per month. We agreed on {$25.00} per month. Then after a few more years they started calling demanding the full amount or they would foreclose on the house. I have received many threatening calls from the reverse mortgage company and possibly a collection agency company. 
We agreed on the {$25.00} per month so I am holding them to this agreement, but I am concerned they will start foreclosure on my home. 
I am low income, living on social security. I am XXXX years old. I need help to resolve this situation and stop the threatening calls which are stressing me out and causing XXXX problems. I have XXXX XXXX XXXX and do n't need additional stress. 
I would appreciate any help. 
thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-01-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Nissan Motor Acceptance is trying to charge me for them having to hire a company to repo my vehicle which was n't done due to me paying off the balance that I was instructed to pay. Now a month later I get my bill and it have a miscellaneous charge of XXXX which they 're saying that I am deemed liable for according to my contact which I have read and it does n't state that anywhere on my paperwork. They put my vehicle up for repossession even after I spoke with a supervisor name XXXX and I told him what date I was going to have my full payment that would bring my account up to date. I was told one amount and since I paid the amount I was told that I paid the wrong amount that did n't include my late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... ... ... .has violated my rights. 

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 a account without my written instruction

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 2016-09-01
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
American Express executive office relentlessly violates my consumer privacy FCRA rights. I reported compliance fraud against their overseas underwriting dept & filed a case with XXXX XXXX XXXX # XXXX 5mths ago about terroristic calls from the Servicing dept. They are constantly denying my credit limit increase using false accusationsof which I have faxed & verified to chairmans office that I have requested executive assistance with in my country & they are refraining to process submission know that my scores are high & my consumer profile is free from derogatory information. I am a US. XXXX XXXX Citizen & American Express is violating my consumer integrity with solicitous lies & slander. I have proven them wrong for 6mth that their excuses for US service is un-lawful. The calls have been recorded & they are purposely routed outside the US to hack into my financial affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Atlanticus Services Corporation
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Here we go again! Or rather still.. 

I simply do not understand why Synchrony has to be so complicated in your payment allocation process. It is, and I have previously accused you of " sprinkling micropayments '' across all balances, some not due for as far out as 11 months, PURELY for the fact, the AVERAGE consumer will think, " hey I have been paying on this account for a year '' - and they ASSUME ( wrongly ) that a promotion is paid off, when in fact, it is not, and HUNDREDS of dollars of interest comes rushing forward. Which I am sure, if that AVERAGE consumer catches that, they call you, you say, your patent answer " sorry, let us fix ''. Well you are in fact NOT SORRY, if you were truly sorry, you would FIX THIS ONGOING ISSUE. When I have complained about Synchrony 's payment handling in the past, I get your FORM LETTER that blabbers on about minimum payments and that all payment made is applied to expiring promotion in its final 60-days. FLAT. OUT. LIE. I have now two statements, that payments are NOT applied to balance expiring in 60-days but again, still, micropayments applied to balances now expiring as far out as XX/XX/2023 - XXXX MONTHS from now! 

It is NOT RIGHT, that the consumer has call EVERY MONTH to ENDURE your system FORCING us to hear last transactions, available credit, insisting to text it to us, and on and on, before we can get to a live person, who MUST be an " Account Manager '' in order to allocate the payment the way it SHOULD have been allocated, the way YOUR OWN POLICY so states it should be handled.

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 2015-08-26
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt Recovery Solutions of XXXX, NY ( XXXX ) had been harassing me for a debt owed by an XXXX XXXX. I do not know an XXXX XXXX and an XXXX XXXX has never been at this address or phone number. After being informed of this information, the harassing phone calls will stop for a few months. They have resumed again, despite repeated warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.

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 2022-05-18
Company: ADVISORS MORTGAGE GROUP, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We, my bother and I, closed on our condo on XX/XX/XXXX. We were told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

On XX/XX/XXXX my brother emailed XXXX XXXX at Advisors Mortgage- the loan manager and branch manager- with this issue and he said he did not know why that was. We also wrote that we were planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help us with refinancing and check why mortgage was not showing as reported on my credit reports. 

We spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. We also raised the continued issue of mortage not being reported to my credit reports, non of the 3 credit bureaus showed history of us having a mortgage. XXXX said that he would have to run our credit reports once again to see that it was not showing and then tried resolve it. We did not agree to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the 3 credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX co-signer : XXXX XXXX XXXX ( brother )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX this same character from XX/XX/XXXX is still attempting to open an fraudulent account using my personal information as a victim of identity thief that has a fraud alert on all the 3 different credit bureaus and still after I just informed Alley Bank to get stronger all their online procedures letting anyone apply online with out a verifiable documentation of where ( IP address, with city, state and town where the application is coming from or who is really trying to open up a account in a fraudulent transaction. a very weak security system to weed out id thieves ' on line especially when the same person has done this same crime 4 times from XX/XX/XXXX to XX/XX/XXXX at the same institution Ally Bank. This tells me that a weak procedures the bank has is not determining fraud on line at their banking institution. MY NAME HAS A FRAUD ALERT EVERYTIME THE SOCIAL SECURITY INFORMATION AND PERSONAL INFORMATION IS USE THRU ALL 3 CREDIT BUREAUS IN THE UNITED STATES! THEY MUST CALL ME FIRST!

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 2020-08-10
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, a Georgia State tax lien for {$460.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>On XX/XX/XXXX, a Georgia State tax lien for {$1000.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>In addition, per Georgia Law, Once a tax lien has been paid and released, a tax lien must be removed seven years from the DATE IT WAS FILED.

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 2022-10-27
Company: EQUIFAX, INC.
State: IL
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:
15 USC 1601 XXXX XXXX XXXX XXXX XXXX disputes sent to equifax, XXXX and XXXX which are all three financial institutions which sells financial products and reports credit. This is a violation of my identity rights and consumer rights of credit privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance last year, XX/XX/2022, Georgia mortgage assistance fund paid my mortgage, taxes, escrow, principal, and interest. Also 3 additional months where covered. So my {$1700.00}, mortgage statement says NOW my mortgage is {$2700.00}, which is {$1000.00} more per month! BSI financial services also said I now owe {$9000.00}, back escrow, when a government program caught me up and my balance is {$0.00}, also just found out that BSI, didn't pay for my house insurance and I now don't have insurance on my home. They told XXXX insurance that they were sending payment, which never happened. I think they are trying to steal my house from me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance

Company response to consumer: Closed with explanation