BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I enrolled in American Express has premier shipping plan with a fee of XXXX $ so that I do n't need to pay shipping charges. I enrolled in 90 day trial. They are not supposed to charge during the trial but they charged XXXX $ when I called them they said they will refund the fee when I cancel within 90 days. 

I cancelled my plan within 90 days but they did n't refund my charges. When I called them to cancel they said they will refund in 15 business days and now it is past 15 business days and when I called them again ( I was waiting on the phone for 90 minutes ) they are saying they need to reprocess the refund. I am not sure whether I will really get the refund. 

There are two problems1. They are not refunding in timely manner ( they already crossed the time they mentioned in terms and conditions ) and I am not sure they will refund me. 
2. They are not supposed to charge during the trail but still they charged my account. 

I spent lot of time to track this and I am looking for compensation for my lost timeMy case number with AMEX is # XXXXMy order number that contains the Premier shipping charges is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX 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 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 non-monetary relief
Consumer complaint received 2016-01-02
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency ( Transworld Systems Inc. ) contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other

Complaint:
I settled an old credit card in 2001. This week a law firm and the XXXX XXXX office put a lean on my bank account. When I spoke to A rep from the law firm I informed him my account was settled in 2001. He nor his firm has contacted the XXXX XXXX office to let them know my account was settled almost XXXX years ago. How do I fight against this false claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I got emails saying my phone number and email were updated on my Chime account. 
I then had 4 different charges back to back to back 2 for XXXX one for XXXX and one for XXXX. 3 at XXXX XXXX and one other charge. 
So of course I see this, I freak out and email Chime multiple times. I said hey, someone else is accessing my account, it isn't me, several emails... they switched it back, the other party then changed it again and I panic and email Chime again and told them of the fraudulent charges that drained my bank account. 
They let me know that I can dispute the transactions once they were no longer pending. 
The next day, my email changes again and it isn't me doing it. I notify Chime of this. They switched it back... so that evening XX/XX/XXXX, I'm able to dispute the charges because I can use my app at that point .... next morning XX/XX/XXXX I see where I have a new card on the way, my funds are being refunded. Later that day I get an email... however I'm addressed as XXXX and not XXXX, and told my account is on hold. I'm enraged at this point and I email back saying my name isn't even XXXX ... and told them what was happening. 
I later get an email that my account is being closed and I won't get my money. 
Yesterday and today, I get an email asking for a picture of my ID front and back ... and a selfie of me holding my ID with a paper held up with name date on it. 
I did that twice yesterday because they said I didn't provide the documents the first time... same with today XX/XX/XXXX... I emailed them those pictures twice. I then received an email saying my account is closed and not getting my money. 
That account had every XXXX I had to my name in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CIG FINANCIAL LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX called my place of employment and was shocked I answered the phone. She said they was going to serve me and garnish my wages and stated I am paying {$500.00} a month on a new car which means she ran my credit without my permission and she threatened to garnish my wages which she can not say to me. Last week a lady called from a unknown number and threatened to serve me and I hung up on her and she called back and left a voicemail stating hanging up on her is not going to make her go away. I have voicemail in a email. The next day another lady left a message saying they was coming to my job to serve me and I need to show my id. I have that voicemail in a email also. Both ladies did not id me. They left messages of threat on a voicemail which they can not do. CIG financed a car that they knew had structural damage. I could not register car because it was going to cost me {$3000.00} which I did not have so I had to get another car. CIG has a lot of bad reviews with similar situations that I experienced with them. I used to be a debt collector and I know what you can and can not say or do. I do not like being threatened and scared to go to my place of employment. The last lady called from a XXXX number. I do not know if these people are violent. They sound violent on the voicemails. I am scared for my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: Ray Skillman Ford Inc
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was taken advantage of when I purchased the vehicle during a Chapter XXXX Bankruptcy because I needed a car. I was charged {$4000.00} more than the XXXX XXXX XXXX rate for the car 's salable amount and then was taken advantage by the finance company because of the interest rate. I am XXXX years old and should have been given special consideration in purchasing a vehicle. 

The special consideration I was given was only giving me XXXX vehicle to choose from and the dealer falsified the paperwork to get the loan approved at an unacceptable interest rate. The finance company does not renegotiate the interest rate or do any refinancing which gives me no leverage. 
The dealer put on the application that I pay {$400.00} per month for a mortgage payment and I have paid XXXX since XXXX 2010 which I told him. Secondly, he did not write anywhere on the Application that I was in the middle of a Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan Modification 6 years ago & was granted a Trial Modification I made all the trial Payments & was denied the Permanent modification  by Wells Fargo Stating th at I apply again & again I have applied 6 times but to no avail, They tried t o Foreclosed & the Court denied  the request, My Interest rate is 7.5 % & they refused to lower the Interest rate & using 7.5 % & each time I can not qualify as the rate is too high, Never once reducing the rate to make qualification possible, We are in Court & the Judge issued a Court Order on  XXXX   XXXX   2017 sta ting that I apply again & submit another Modification Package be  XXXX   XXXX     2017, I   ca lled Wells fargo I was  informed that under no circumstances will be granted another Modification period,  Inspite iof the Court  Order I have sent Faxes & called yet I can not get to submit the New Modification Package as required by the Court.

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 2016-03-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I continue to be overcharged on my monthly payment by {$27.00}. Rep states they need the XXXX County Appraisal Districts Affidavit, which I have filled out and have had notarized, then mailed to them via certified mail four times since XXXX, 2016. 
Then, my next statement shows the {$27.00} overcharge again. I was told each previous time that the charge would be reversed and a credit to my account would appear. Never happens. I have spoken with multiple supervisors and have gotten nowhere. These people have no regard or respect for their customers time as I sit on hold over and over again, spending 30 minutes or more just to speak to one person, then get transferred multiple times, starting the process all over. Today, after 45 minutes just to get to a " supervisor '', this " supervisor '' hung up on me. This is the WORST company I have ever dealt with and I will never buy or lease another car from them. Very unprofessional and the worst customer service ever. If I have a signed contract, they can not continually overcharge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
This is a complaint about a lease with Nissan for a XXXX Nissan Rogue, lease started around XXXX 2010. At the end of the lease, we received a bill in the mail for approximately {$4000.00}! for the following : ( 1 ) It was a 39 month lease. After 36 months, we began looking into another option for a Nissan car to lease, mistakenly thinking it was a 36 month lease. When we chose a Nissan Altima and called up the dealer to put it into action, nobody said to us, " Hey, are you aware that you would be terminating your lease for the Rogue 3 months early if you go ahead with this Altima lease? '' Instead, they went ahead and leased us the Altima and just gave us a large penalty for that. Plus, it 's not as if we switched over to XXXX or something- we stayed with a Nissan . 
( 2 ) In addition, they billed us excessively for damage to the car. The car was not damaged at all, barely a scratch on it. There was only minor wear and tear that our damage waiver should have covered. When we asked for a breakdown of the damage, the only thing true on there was that a hubcap was missing ( stolen ). We were supposed to have a damage waiver in return for staying with Nissan, but that was a farce. We were helpless in fighting that because it was their word against ours. 
( 3 ) Our final complaint was a property tax of close to {$2000.00}. They never informed us there would be a property tax on a car we do n't own, and even so, that money should be billed to us each year, not all in one large ( unaffordable ) lump sum for 3 yrs total. Why did n't Nissan ever send us a bill over 3 years? 
We have always maintained a good credit, and this bill ruined our credit, as that sum was too large and unexpected. Please help us!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: General Motors Financial Company, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent letter to both addresses listed on credit file and got a response that asked me to fill out FTC report. However, I did this already with FTC and it does n't apply to this company. The account was removed but the inquires are still listed on my report and it is hurting my credit. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX Name '' on XXXX via XXXX certified mail & again XXXX. The company refuses to honor my rights under the XXXX as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed
Consumer complaint received 2016-05-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In regards to my situation. I currently have XXXX accounts at Santander bank. 
XXXX account is a single ownership witch is under my name and the XXXX account is a student account with my son. The student account was opened when he was XXXX years old therefor the bank rep had to ad me as a second owner. On XXXX XXXX, 2016 my accounts were frozen due to a NYS levy. despite my ac\ my situation of a levy, I feel my sons account should had not been frozen considering its a student account and those funds are his. I called the bank and was told that cause my name was on it. Had to been on hold. I asked them to take a history his account. he uses that account for his payroll at XXXX. He is a student and when hes on break from school. he returns to work. 
Santander refuse to release the hold witch the account had only about {$98.00} dollars I called NYS and explained to them the situation and the had they acted very helpful to ask Santander to release my sons account only. Santander refused. So in the interim Santander took the {$98.00} dollars from my son 's and left the account at XXXX balance witch I find that my personal financial situation should not affect his funds .... 
Can Santander bank or any other financial Institution freeze a student account? 
please advise

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 2022-10-02
Company: Capital Accounts, LLC
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:
In accordance with the Fair Credit act CAPITAL ACCOUNTS LLC # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: High Point Asset Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from this company ( " Highpoint Assets '' ) for XXXX XXXX ( not me ). I 've asked to be removed from their list several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My auto loan is through GM Financial, payments are due on the XXXX of the month. I pay my payments online, when I went to make a payment on XXXX XXXX 2016, the system showed that I had a past due amount. All payments were made to date and the only payment due is for XXXX XXXX 2016. I had to make a double payment when nothing was past due. In a " chat '' conversion with XXXX, it was stated that the system shows past due on the due date. This is very wrong. I have not budgeted for a double payment. Their only resolution was to cancel my payment and repay. However now it is the XXXX and I would be past due, the system still shows past due due to the payment not processing yet, and i now would be making a late payment. 
I want them to refund the over payment after it has processed AND they need to " Fix '' their system to not show a payment is past due until the day after the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
GM Financial chose to forgive a debt to settle CFPB Complaint XXXX. However, they are filling my credit report with a past due debt even though the debt was reported as forgiven to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-02-06
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
XXXX is stating I have an American Express Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that American Express does not report incorrect information on a person 's credit report needs to be ensured going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: Stanislaus Credit Control Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
STANISLAUS CREDIT CONTROL {$0.00} {$420.00} XX/XX/XXXX, This company keeps posting and deleting debt. Please delete and replenish score.

Company response to consumer: Closed with explanation