BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: TMX Finance LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
TitleMax 's AutoCash has not release lien, when I contact TitleMax they send me to AutoCash division and the person does not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2017, I initiated automatic payments over the phone with a XXXX XXXX representative, XXXX XXXX. I provided my bank account information over the phone to set up the automatic payments. The customer service agent took down and processed the incorrect bank account number when setting up the auto payment. When the payment did not withdraw from my bank account, I contacted XXXX at XXXX XXXX and he clarified that this was an error on his end. He assured me that it would be resolved and it was nothing to be concerned about and it would not be marked as a late payment or a derogatory mark on my payment history and credit. However, it was never corrected. I have made countless calls to XXXX XXXX over the last year and a half and was told by various representative and supervisors that these events never happened, and that I gave the wrong numbers, even though their representative explained to me that it was he who made the clerical error. They will not allow me to speak with XXXX, the account manager who initially worked with me to set up the payments and who made a human error in recording my account information. They told me there is a recording available of our phone conversation which they reviewed, but they will not allow me to hear it nor provide me with any additional documents or recordings to support their claim that it was I who made the mistake. Due to nothing more than an error of a XXXX XXXX representative, the payment was not received and considered late and is still showing as a derogatory mark on my credit, and the only late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They let someone withdraw {$400.00} out of my account which caused it to overdraft. No one had or has any of my pin or banking information. When I called and reported it as fraud, they simply told me that because of the geographical location was close to my home, I owed them the {$400.00} and the overdraft fees. I refused and told them that was not correct. They insisted they would not reverse that fraud and basically I was out {$400.00} of my hard earned money and I owed the overdraft fees. They withdrew money from an atm in XXXX XXXX. I live in XXXX XXXX. There is no way that is relatively close to where I live. That put me behind on my car payment and I almost lost my car because they didnt care. And they are still hounding me for my owed {$400.00} plus overdraft fees!! Ridiculous!!

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 2019-04-01
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called New Rez to indicate that we wanted to fully pay off our mortgage before the next billing cycle. They sent us an email that indicated how much would be due if we paid on XX/XX/XXXX. Upon reading the document I noticed a per diem charge, and so we decided we would pay in full on XX/XX/XXXX to avoid the per diem charges. 
When I called XX/XX/XXXX to initiate payment, the representative on the phone said that I should just disregard the per diem note as there would be no difference in price if I paid on any day up to XX/XX/XXXX. With this I decided to forego payment temporarily. 
I called again on XX/XX/XXXX to initiate payment, and the representative said that I had been misinformed as there was in fact a per diem charge, so I decided to pay right away. She did not inform me, though, of the XXXX cutoff for payment until I called back to inquire about this later in the day. The XXXX cutoff meant I would have to defer payment for another day. 
I paid off the mortgage in full on XX/XX/XXXX, and then wrote a letter of complaint ( attached ) to XXXX XXXX, the President and CEO of NewRez for the inaccurate and misleading statements made by his customer support team. My letter was completely ignored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear madam or sir, I was trying to deposit CZK XXXX XXXX to my Coinbase Pro account which is denoted in XXXX. Hence, I used XXXX XXXX now just called XXXX XXXX to transfer the money XXXX EUR XXXX after exchange ). However, I forgot that Coinbase requires the account from which the money comes to be registered on my Coinbase account first. Once I noticed, I registered it and Coinbase rezognized it. However, they have never actually deposited the money to my Coinbase account. 

I have continuously filed many complaints through their platform in which I described the problem in detail. I always got an answer that the issue was either solved or that they are still looking for it after which they just sent a generic email that if I still need a support I should contact them. I always did, but still nothing happened after many months. 

Please find attached the report of the transfer from XXXX and the screenshot of the complaints I filed to Coinbase. 

I really hope you could help me. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On the day I purchased my car from Huyndai dealership in XXXX XXXX, Ca on XXXX XXXX I had already been pre-approved by my bank for a car loan. The financial Manager, XXXX XXXX, promised me a lower payment and interest rate, he was very pushy and would not let up until I went with his institution. He did not provide me with any person copies at the time of signing and just pushed me to sign without explaining what I was signing. He stated that I would get an email with a copy of the agreement because his dealership no longer provided paper copies. I did not receive any email and I even checked my spam folder. It was until a month later that I received anything. The agreement showed that I had a larger payment and much higher interest rate. I attempted to solved the issue with the Huyndia dealership and with XXXX XXXX but he was very rude and raised his voice while I was attempting solve my issue and even made fun of how I spoke English which is not my first language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: TX
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:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out XXXX room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance XXXX, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
State: PA
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 received a call on XX/XX/XXXX from customer service at Chase about a past due credit card payment. I knew nothing about the charge and never use the card. After looking into it further I found out it was an annual membership charge for Amazon XXXX for approximately {$120.00}. I explained I was never notified and actually thought the account was setup for autopay like all my other bills. I pay my credit cards in full almost every month and this was such a small amount. They could find where they set me up for online statements, had my bank account information but never completed the process for autopay. I explained that I have never missed a payment ever and have perfect credit. Right away they refunded all the charges and I paid the amount due. I asked to have my credit report fixed and they refused. The first person I spoke to indicated they sent me notices. I did not receive any mail notices and the 1st phone call was the XX/XX/XXXX but the account was past due almost 6 months at that point. I called back again to speak with a credit XXXXpecialist who again refused to correct my credit report. His exact words were " Chase is not in the practice of notifying customers when they are late ''. I believe any creditor has an obligation to notify a customer within certain time period of delinquency. 

It is obvious this was an error as you can look at my past credit and see I never missed a single payment ever on any loan or credit card. They acknowledged the error by refunding me all the late fees and interest but will not fix my credit. This is abusive behavior by a credit card company that will call you numerous time for you to open a card but can not notify you when something is wrong. I can show my phone records that they never called me once until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. I went online to get my free credit report but lost my connection 2. I tried to go through Experian and they offered me a service by which my account could be monitored with regular e-mail updates 3. When I tried someone else had used my social security # to already do that That person is my ex wife of 14 years. I recognized her e-mail address on my account at Experian portal 4. I wrote 2 letters asking Experian to what happened and to fix it 5. I had an attorney write a letter asking the same 6. I notified the SS Administration 7. I opened an investigation at the FTC 8. I filed a complaint with a US Senator 's Office Still nothing from Experian The Attorney General of New Mexico said you could help me I am skeptical

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 2021-07-06
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: Information belongs to someone else

Complaint:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was repossessed on XX/XX/2019 approximately XXXX XXXX   from my residence in XXXX OH, I did not receive a letter stating how much I would need to pay to retrieve the vehicle, the lender then sold the vehicle at auction and I did not receive a letter stating the sell of the vehicle. I found out by the balance lowering on my credit report which states I owe them around 12K. I have not received any communication from them at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Carrington Mortgage Services. I have been making my payments electronically but the company has been continually returning the payments. I'm now 6 months behind and an appraiser came to my home a week ago saying he was doing an assessment of the property because it's in foreclosure and scheduled for sale on XX/XX/19. I NEVER received any notification of foreclosure. I never receive statements of my account. I had called when I was a few months behind and they agreed I could make weekly payments to catch up but again they returned every payment. Today I had to go to my parents to get the {$6500.00} to stop the foreclosure. That amount includes over {$2400.00} in " other '' costs. This company is terrible!!!! Someone needs to investigate their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.

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 2018-04-16
Company: Credit Card Receivables Fund Incorporated
State: VI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any relationship with Unifund and do not want one.

This organization, perhaps some type of collections company has shown up in my credit history file about 2 years ago under a different name.

This debt collection was removed once before however it has appeared and it should not. I fought this hard with their reps, the three credit reporting agencies and with the CFPB.

Assistance from the CFPB to remove this debt and annoying recurrence of the illegitimate attempts of Unifund. They should not be able to show up every so often and attack the credit histories of individuals without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EMCC Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, XXXX XXXX, and Comenity Bank. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: FL
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 sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

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 2020-10-28
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I recently sold an item on XXXX and PayPal is holding my money. I can spend not transfer my money to my bank despite my PayPal being verified. The amount is XXXX and I have a pending order of XXXX

Company response to consumer: Closed with non-monetary relief