BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: Santander Consumer USA Holdings Inc.
State: MS
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:
They I still own {$7800.00} on car I dont under stand. Im paying on car twice. 81 months finance ok. I dont understand I own so much They are riffing me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Applied Data Finance, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX got a loan for {$2500.00} from XXXX XXXX out of XXXX XXXX, CA via a mailing offering a loan up to {$2500.00}. 
After making several payments ( XXXX - XX/XX/XXXX ) at a rate of {$190.00} per month for 36 months. I was sent an e-mail because the company did an audit of my account and was told that the APR on my loan was higher than the maximum rate in the mailer. The company at the time told me in the e-mail ( dated XX/XX/XXXX ) that they were " taking the opportunity to honor the lower rate stated in my offer '' and that " any payments that I had already made above the amount required ( based on the reduced APR ) would be reapplied to the loan and have reduced the total amount I owed. '' In the mean time while this was happening with my loan. My mother had passed away in XX/XX/XXXX and I was in the process of getting pay off figures of several accounts including this one and on XX/XX/XXXX I was finally able to speak to a customer service representative because the initial phone number ( XXXX ) XXXX that is on the end of e-mail was never answered by anyone and I made note of this. I then tried a second phone number ( XXXX ) XXXX that is also listed in a different spot in the e-mail. When I did talk to a CSR about what I needed to do she ( XXXX ) told me that I needed to e-sign new loan docs that would reflect the new APR and a new account total of {$2200.00} for which I had also asked what the new pay off amount would be at the time which she told me was the above mentioned amount and no new charges would be added. I then told her that I would be sending a check on Monday, XX/XX/XXXX via Priority Mail ( they received it on XX/XX/XXXX ) in that amount and that my loan would then be paid in full. According to their website my payment was recorded on XX/XX/XXXX which is within the " 3 business days for payments to appear in your account ''. 
Now on XX/XX/XXXX I have received a letter in the mail from XXXX XXXX stating a lot of false information like " Past Due Since XX/XX/XXXX '', " Past due Amount {$36.00} '', " Unpaid Fees {$45.00} '' and " Total amount Due {$81.00} ''. There is also a totally different phone number now listed on this letter from XXXX XXXX ( XXXX ) XXXX. 
As far as I am concerned I will never do business with this company ever again nor will I ever refer a friend, colleague or family member to do business with this company. I also think that the FTC should do an investigation into their business practices and should take off the negative reports to the credit bureaus that they have submitted to my credit reports because they have made false reports to my credit.

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 2018-02-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Signed up for free trial with XXXX ( experian ). I cancelled the account within a week yet they continue to bill my credit card. I am not sure who runs this organization ... but they are scam artists. I have confirmations that my membership is cancelled. Everytime I call they say I have a free membership but they continue to bill. I can get through to an operator because they say I have a free membership. I even get emails three times a week to update my credit info. I am not sure how they get the charges processed with my bank. I think they must have used my information from my file without my authorization. Please help ... ..I can't afford {$360.00} a year.

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 2022-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. Wrong names being reported. Inquiries that I did not authorize being reported. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We took out a loan with XXXX XXXX on XX/XX/XXXX, and they required escrow for taxes and insurance. After paying for a year we requested being allowed to stop paying escrow, and XXXX XXXX told us that, because it was a XXXX XXXX Loan ( which we were not aware of ), we had to pay escrow for a total of two years before being eligible to stop paying escrow. 

XX/XX/XXXX, we were notified that the loan had been transferred to Ameris Bank. In XX/XX/XXXX, when the two years of paying escrow was finished, we requested Ameris Bank relieve us of the necessity of paying escrow. I have a very large amount of assets, a credit score over 800, and have never ( in over 40 years ) not paid a mortgage, property tax, or insurance bill. They rejected our request for two reasons. One was because they, not we, had allowed the escrow account to go negative ( {$730.00} ) for a few weeks, and the other because they claim that they require 5 years of escrow before we are eligible to stop paying it. Loan # XXXX. 

We have been going back and forth with them since XX/XX/XXXX of last year, and they continue to insist on five years. But, despite a multitude of requests and phone calls from us, they have been unable/unwilling to produce anything in writing with either of our signatures, whereby we agreed to payescrow for five years. The only thing the lending documents says about escrow states " Lender may  waive Borrower 's obligation to pay to Lender Funds for any and all Escrow items at any time ''. 

The letter from Ameris, attached, has been sent to us unchanged, multiple times. I have spoken to Customer Service Reps, and Supervisors, multiple times ( first time to XXXX on XX/XX/XXXX, and most recently XX/XX/XXXX I spoke to XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I currently have an investment account with Coinbase the leading cyrto exchange company out of XXXX XXXXXXXX XXXX. On XX/XX/2022 I received an email from Coinbase stating that I needed to update my identity profile by XX/XX/2022 or I was subject to being out of compliance with some federal regulations. I contacted Coinbase support group on XX/XX/2022 via a phone call to verify the email. I changed my password on XX/XX/2022 prior to this call. The agent from the support team was very difficult to understand so after 45 minutes or so of getting nowhere my account was locked until I could have my son help me with updating my identity profile. This was scheduled for XXXX XX/XX/2022 afternoon. 
On XX/XX/2022 I received another email from Coinbase stating the same information about being out of compliance and I had until XX/XX/2022 to fix the update. Since my account was to my understanding locked I waited until XXXX the XXXX to contact Coinbase 's support group to update the profile. We my son and I were able to successfully update the profile after about 60 minutes or so working with the Coinbase support group. I received an text from Coinbase late on XX/XX/2022 stating that the identity update was successful. I logged into my account that evening and found out my a large portion of my assets had been converted to a cash position and transfer to a bank account that I never heard of or authorized by me. I immediately contacted Coinbase 's support group who transferred me to their fraud group. I followed up on XX/XX/2022 with Coinbase 's support group and found out they were sorry but there is nothing they could do. The date of the theft was XX/XX/2022 the same day I received the first email stating I needed to update my identity profile. I never received any communications either by text, email or a phone call stating that an unknown device was entering my account or that my transfer bank name and location changed. As an custodian on a customer 's assets this is totally out of the norm in an age of hacking and cyber theft. I expect a total return of my assets from Coinbase based on the value the day of the theft or if appreciated the value the day of recovery. XXXX  that are using Coinbase need to be aware of how dangerously risky it is to leave their assets with a custodial company that does not secure their investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
my issue is with paypal credit. 1 ) I do not get updated of when my payment is due just an update of an amount higher than I owe because they have tacked on additional fees without notice. 2 ) they have changed their system and if I use my app there is only one payment option and it forces you to pay the whole amount. 3 ) when I call customer service the response is that they ca n't do anything about the mistake until its posted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX, and equifax Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX  till currently committing fraud as well as XXXX XXXX, and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired money from m y    XXXX   XXXX   XXXX   account to my account on  XXXX , a division of Coinbase , Inc .   That was 5 days ago, the money is neither in my bank account or in my account at  Coinbase.  After  XXXX  attempts to reach out to Coinbase/ XXXX  via multiple support channels  (  XXXX ,  XXXX ,    Support Ticket,  Email, Community Forum ) I have gotten only one automated response, no human response to my request for my funds in one form or another. This seems to be a pattern with Coinbase according to many form posts. I would avoid doing business with them in the future. They are in clear violation of their terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion, XXXX, and XXXX Must delete all fraud on my consumer report I have multiple entries and sufficient evidence submitted of them all commititng racketeering ear in and out since I was XXXX. 

XXXX XXXX XXXX till currently committing fraud as well as XXXX XXXX and XXXX XXXX XXXX with 4-5 derogatory accounts that are all reporting as open but are fraudulent and should be deleted from my consumer report immediately This is a regular occurrence and I have to keep wasting my time arguing with these people A complete response from all these companies Explaining in full my contractual anything with them For I know they can not be they did not get permission from me as the original creditor and custodian of my accounts and personal information. 

They say in every note they were FCRA compliant while not being compliant at all with CFPB OR OCC. 

Someone needs to get them aligned and in line and I am here to be a prime example of people not going for this XXXX no more Delete all negative information from my report!! All of them

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 2018-02-04
Company: FBC MORTGAGE, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My financial institution mailed a check on XX/XX/XXXX. 

FBC Mortgage LLC mishandled my payment. They assigned a late fee on XX/XX/XXXX of {$53.00}. They cashed the check sent by my financial institution on XX/XX/XXXX on XX/XX/XXXX. 

I then wrote a letter explaining the situation to FBC Mortgage LLC on XX/XX/XXXX and asking for a refund of the late fee. To date I have recieved no response and recieved no credit on my account. 

It seems a questionable financial practice to take 20 calendar days to process a payment. It seems unfair to assess a late fee when payment was received within the required timeframe. It seems a calloused practice to ignore my written request for a refund of an unfair fee. 

To make matters worse I also called the payment processing dept. of this company on XX/XX/XXXX. I was offered an online payment service. I asked the representative if my payment delay would have been avoided by use of an online payment service. I was told by the rep. the company often mishandles automated payments. 

They are in need of an upgraded payment system but are unwilling to upgrade the system. 

I would like my mortgage sold and transferred to a financial institution that will treat me with the respect and dignity I deserve. I make my payments on time and have done so for over 16 years of homeownership with institutions like XXXX, XXXX XXXX and XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX. the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I looked in my account and only had XXXX in my account. I had {$1000.00} in my account someone hacked my XXXX. I called chase as soon as I noticed and they helped me file a claim and told me it would take XXXX business days to get my money back. The XXXX day comes and I dont have anything. They told me after going under investigation they didnt see anyone logged into my account and that it was authorized. I was highly upset they denied it because I worked hard for that money and thats supposed to go to my car as a down payment. I went to chase bank yesterday to talk to them to get to the bottom of the situation and they called the supervisor of claims so I can talk to him. He went in my account and told me the same thing they told me but he gave me more information. I asked who is the person he said he didnt know because they bank with XXXX XXXX XXXX and he couldnt look into the account. He also mentioned they sent the money as XXXX mortgage loan payment so they wouldnt see the payment as a red flag. Mind you my mother doesnt have a mortgage period. Also XXXX sent me a text message at XXXX a.m asking if I added this person as a recipient and if not to call them. Which I did. He also noted his area code of his number wasnt anything like mine. I told him see u see all the red flags I see so why cant I get my money back? Also I read online that a lot of scammers are scamming through XXXX XXXX XXXX so theres another red flag. I went to XXXX XXXX to the XXXX XXXX to see if they can see if my phone been hacked they told me they couldnt help. The police station told me the same thing. Now I went online looking for other possibilities and seen this website. I just need help getting to the bottom of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I requested a credit line increase to one of my cards. They immediately sent me a letter that this was not possible since I already have the highest credit amount that they issue. Yet they ran a hard inquiry to my credit, hurting my score for no reason whatsoever. They should not have ran my credit and put a hard inquiry against my credit score, knowing full well that there was no way to increase my credit limit since I already had the highest amount they offer to any of their clients. I want this inquiry removed from my credit. 

KOHLS/CAPONE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, 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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation