BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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:
I have wrote a letter to the XXXX XXXX XXXX Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Flatonia Investments, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company has repeatedly called us to make a mortgage payment when our mortgage is not late. We were told they would not call us anymore, yet we received a threatening call last night from a very rude person. We feel at this point we are being harassed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The scoring is off, there is no way scores drop so severely for small things and increase so small for significant things. There is some serious cross conspiracy going on

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 2022-06-02
Company: Consumer Financial Services Solutions, Inc.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/22, Beyond Finance ( a debt consolidation company ) attempted to withdraw {$150.00} from my checking account using a fraudulent ACH (? ) auto pay/recurrent withdrawal. I advised them of this on both XXXX and XXXX, and they refused to either investigate their fraud or do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Rent Recovery Solutions
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:
Someone used my personal information to rent an apartment at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX on XX/XX/XXXX left XX/XX/XXXX I came to learn this after i found a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Rewards

Complaint:
I have acccumulated over XXXX membership rewards points at American Express and when I went to redeem these to pay off my balance they told me I could only use reward points for charges that occurred in the most recent 60 days. 

This is disgraceful ... .had I known this I would not have used my American Express account. 
Other cc 's allow me to use points for however I see fit - for travel, merchandise or to use as Payment on my account. 

I want satisfaction and be able to use my hard earned points to pay off my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XX/XX/2016, I received a letter from American Express informing me that it has decided to close my credit cards account due to a charge that occurred on XX/XX/2016 that involved XXXX for {$6200.00}. American Express believes that the charge was submitted by a merchant with which I associated with and it believes that no goods or services were rendered by the merchant in connection with this charge activity. I state that this claim is false, since I did purchase windows from XXXX and I do not own or have any association with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding has neglected to properly validate an account they are reporting to the credit bureaus in my name. They are reporting a past due balance owed to them in amount of {$1200.00}. I have sent them XXXX certified letters for which I have signatures showing receipt to get them to properly validate the account and show that I have contractual obligation to pay them and anything bearing my signature. This account appears to be well beyond the SOL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: TRANSWORLD SYSTEMS INC
State: OR
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:
A debt I owe to XXXX was mailed to me. I was given information as to how to pay for it but the registration code does n't work so I ca n't log in to pay for anything! The website does n't work half the time so I wont even be able to figure it out. Now I have no way to pay for this even if I tried. It will effect my credit which is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
XXXX XXXX, CA-XXXX XXXX/XXXX/XXXX American Express XXXX, TX XXXX Dear American Express, RE : American Express Plenti Card XXXX Refused to take a Balance Transfer I am member since XXXX and enjoying membership benefit almost 12 years. 
I got a Balance transfers offer by mail date on XXXX XXXX ( Letter Attached ) I called today your call center XXXX on XXXX/XXXX/XXXX at XXXX PST. 
They refused to take a balance transfer and given me XXXX call. I called that number and agent name called XXXX XXXX, He also refused to take a balance transfer. I asked them to transfer for supervisor, he said he not available. 
After that same day XXXX PCT I called XXXX that number agent called XXXX, He also said no balance transfer offer your all card and treated me very unproficinaly. He refused to transfer to supervisor. XXXX not treated me like a real customer and I felt discrimination. he did n't provide service what I needed. 
I loved to do balance transfer and please called me some one responsible person and help me out. 
If need more information contact me on XXXX Thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card
Issue: Other

Complaint:
I received a call from an Indiana number XXXX at XXXX XXXX today XXXX XXXX, 2016. I heard an automated message saying something about my XXXX credit card eligibility for something, I do not remember what exactly, but I do not use credit cards so I knew the call was bogus. I followed the instructions to press XXXX to continue on. I was connected to a real person who proceeded with a script which I interrupted asking him how it was that they got my number because I do not use credit cards at which point the man on the other line promptly ended the call. I called the number back and the line beeped the way a disconnected line does. I regularly sign petitions concerning the environment and civil issues and I believe my identifying information has been thus compromised.

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 2015-11-02
Company: MIDCOUNTRY FINANCIAL CORP
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan that was to be paid off to Heights Finance after over a month of attempting to gain the pay off figure I have yet to been able to obtain that amount, meanwhile they are attempting to repo the car. I have called, faxed and went to obtain the loan and could not get the exact pay off. The company has completely ignored the requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammers ), XXXX : XXXX XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX XXXX in the total amount of XXXX USD utilising JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: FirstCredit, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from FirstCredit Inc, which stated I owed a debt for lab services from XXXX of this year. The amount is what I usually pay for lab services, but I had no outstanding balances in the patient payment portal. 
I contacted customer support for the clinic, and they had records for that amount from XXXX and XXXX, both paid, and no charges in XXXX. The clinic 's customer service recommended that I contact the collection agency to ask who is the client they are billing for. However, I attempted to call both phone numbers printed on the debt collection letter, and neither phone number is in service. 
I can only conclude that this supposed debt collection is a scam, and I am concerned how they got my contact information. I want to know how this company got my information, as this specific debt does not exist, but the amount is the amount I have been billed at other times. I am concerned, especially as this is related to medical care, so I want to know that my personal medical information is safe. 
The amount of the supposed debt is small, only around {$45.00}, so I'm more concerned with the potential breach of my information that this represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an Adverse account In Collections reporting on my credit report from for a {$230.00} debt balance due to L.J. Ross Associates. I had never heard of this company and I certainly never signed a contract with them. 

I contacted L.J. Ross Associates by phone on multiple different occasions to advise them that I was unaware of the debt that they are reporting and I requested that they remove it. I offered to pay the debt if they would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt has had on my credit. 

This is not my debt. I have not ever conducted any business with L.J. Ross Associates. I have never requested their services and I never signed an agreement to pay L.J. Ross Associates for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
I, XXXX XXXX XXXX filing this complaint on my behalf and certify this information to be true to my knowledge. The consumer reporting agencies are not complying with federal procedures to fix errors on my consumer report. Information that is reporting is not accurate and has not been verified.

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 2015-08-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo violated the no oral modification clause in my mortgage and is not adhering to the terms of the mortgage requiring the escrow be paid in no more than 12 monthly payments. Further, the female borrower was able to amend the signed contract on a NEW escrow account and not a review of the escrow account. The male borrower required adherence to the original terms of the signed NOTE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Goal Structured Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Launch Servicing has been reporting a alleged debt on credit report. I never received notification stating that they would be placing this debt on my credit report and my right to ask for validation. I asked this company for validation of debt on XX/XX/22 since they have been continuing to verify this debt as accurate with the credit bureaus. I sent this certified mail I received my return receipt on XX/XX/22 that this company signed and received my request. I never received a response from this so I made a second attempt to request debt validation on XX/XX/22. I sent this certified mail as well I received my return receipt on XX/XX/22 that this company signed and received my request. Here we are XX/XX/22 and I have yet to receive my request theres no creditor listed on this account that has been placed my credit report which is a violation. I also have reason to believe that they are reporting a duplicate account on my XXXX credit report under the company name XXXX which is another violation. Both accounts show the same account number, open date, amount owed, and the same exact company address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a personal loan with Wells Fargo Bank using a cash savings acct. as collateral. I have had nothing but problems with WF in several of my XXXX accounts with them to the point of ready to close all of them. I went to pay off the personal loan today and encountered MULTIPLE problems from the teller all the way to their corporate HQ. From the SENIOR teller not being able to give me a payoff amount but taking what showed as balance to directing me to call a call center then refering me to a personal banker who could not help either which had to call a loan officer to figure out how to get a payoff so I had to pay a XXXX check after being told I paid off the loan snd then when I inquired as to when my savings acct which was the collateral was going to be released so I could remove my $ XXXX from it, I was told it would not be available for 10 business days. The loan was paid off in cash and when I made individual payments that amount was not released but rather they continue to hold the entire amount of the initial loan amount even though the loan was paid down XXXX. There is no reason a bank as big as WF should be allowed to keep me from my money for an additional 10 days AFTER I pay the loan off in cash. They have no more worry or chance of loss with the loan paid but yet they claim it takes 10 days to release the money even with the loan paid. I can understand if the loan was backed with a car or house or something with a title to release etc but this was cash. They pay only .01 % interest so it keeps me from immediately moving my money so they can continue to use it practically free of charge when they now have no legal claim over it. This should be against the law when cash is repaid in cash and not requiring a title be returned or any other paperwork. WF is quick to charge and collect fees from customers for their benefit but when a consumer has paid what is owed to them, they should not be allowed to continue to hold the consumer 's money for ten days which I was told was business days so why do they need to keep cash collateral for basically two calendar weeks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
4 credit cards were used without my authorization.

Syncb/JC Penney total amount used {$600.00}. Transactions in store, XXXX  XX/XX/XXXX New credit card was requested on my name and mail address was changed XXXX XXXX XXXXXXXX XXXX  amount {$1100.00}. 
Transaction was made in XXXX XXXX store at XXXX. New credit card requested and changed address Syncb/XXXX XXXX amount used {$5000.00}. XXXX XXXX XXXX XXXX/XXXX/XXXX Syncb/XXXX XXXX  amount used {$13000.00} on line ( # of transaction XXXX, XXXX and XXXX. ) ,3 transaction were made XX/XX/XXXX of XX/XX/XXXX. Delivery address for furniture XXXX New credit card was requested and address was changed on my behalf. Increase of credit line was requested as well, bank authorized 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 explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: PA
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 Am, XXXX XXXX submitting this complaint to EXPERIAN INFORMATION SOLUTIONS INC and there is no third party involved. EXPERIAN INFORMATION SOLUTIONS INC has violated 15 usc 1681b ( 2 ) by furnishing inaccurate items on my consumer report WITHOUT THE WRITTEN INSTRUCTION OF I, THE CONSUMER. I DEMAND REMOVAL/ DELETION EFFECTIVE IMMEDIATELY AND I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different amongst all three credit reporting agencies - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS ARE INNACURATE AND I DEMAND PAYMENT HISTORY BE UPDATED REFLECTING POSITIVE HISTORY ONLY- XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX. I ALSO DEMAND EXPERIAN INFORMATION SOLUTIONS INC VERIFICATION METHOD. WITHOUT RECORSE

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