BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Loancare towards XX/XX/XXXX or XX/XX/XXXX. It took many calls to even get through to their cs dept. Finally, I was able to speak with someone about working my XX/XX/XXXX mortgage payment into my future payments ( aka, a payment plan ). My normal rate was around $ XXXX month. After the plan got set up, I was paying them $ XXXX month. I also had to fax them a form stating I agreed to the plan. I was assured that this debt would not appear on my credit report since I set up a payment plan with them. My mortgage payment was not 30 days past due at the time I set this up. I then received a letter in the mail telling me that my mortgage was late. I called and again, after many calls, finally got through to someone who said she had no idea what I was talking about as far as a payment plan for XX/XX/XXXX. So, obviously, that concerned me because it 's my credit and my home we 're talking about here and I have never been 30 days late on a payment. After a frustrating call, getting no where, I hung up and decided to leave a review. Then they responded to my review just asking me to email them. I was all paid up on my payment plan by XX/XX/XXXX and so I emailed them and asked specific questions like if they could confirm I was all paid up and my mortgage payment would return to the normal rate. Their response did not answer my questions and so I then responded, immediately, to the same email and they " promised '' to respond by XX/XX/XXXX. This was after 3 emails to them. So, here comes XX/XX/XXXX and still no response. I emailed them 2 more times and no response as of today. It is unfair that my account was transferred to LoanCare through XXXX XXXX XXXX without my consent and now I have to deal with a company that literally has no customer support. Here are my questions for Loancare who will not respond to me anymore. 



Thank you. The letter you sent caused confusion on my end. 

Can you please confirm, yes or no, the following questions : 1. Is my XX/XX/XXXX payment going to be {$540.00}? ( Y or N ) 2. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied towards my XX/XX/XXXX mortgage dues for the repayment plan? ( Y or N ) 3. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied to Principal instead of the XX/XX/XXXX mortgage dues? ( Y or N ) I need assurance that LoanCare has NOT been reporting to the credit bureau that I have missed my XX/XX/XXXX payment, because I set up the payment plan in XX/XX/XXXX, and was assured that it  would not go on my credit as a bad debt. 

Can you confirm that LoanCare is not on my credit report through any of the credit agencies? ( Y or N )  Thank you

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 2022-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There Addresses that are listed do not belong to me. I have never lived at any of the addresses that are posted on my credit report.

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 2018-01-16
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
After setting my limits to {$7500.00} USD, I deposited {$5000.00} USD to my Coinbase USD Wallet from my US-based bank account. This transaction was made at XXXX XXXX ( EST ) on Monday, XX/XX/XXXX. Coinbase took the money from my bank account on Tuesday, XX/XX/XXXX, before XXXX XXXX ( EST ). 

It is now XX/XX/XXXX and still NO deposit showing. This is the 6th business day ( Internationally ; yesterday was XX/XX/XXXX in the U.S. ) and the 8th calendar day. Coinbase policy is : deposits can take 2-5 business days to clear due to ACH blah blah blah. Well, Coinbase had possession of my money on the 2nd business day, yet did NOT deposit it in my USD Wallet TO THIS DAY! ( Tuesday, XX/XX/XXXX ) On day four ( XX/XX/XXXX ), I called the phone number Coinbase listed with the bank transaction ; that number NO LONGER WORKS. The new number ( XXXX ) is nothing more than a talking phone tree that does not allow for human interaction at all - at the beginning of the call AND at the end of each message down the tree, the voice directs you to go online to their support site. After going through the miserable " Chat Bot '' on Coinbase 's support website, I was finally able to send them an email from https : //support.coinbase.comXXXX ... 

Coinbase 's response so far? CRICKETS!!! Nothing. Nada. Zilch. Zero response. Since I finally sprang for more than a couple dollars here and there deposit to invest in cryptocurrency, Coinbase really sucked me into their net bad. If not stolen, at least misappropriated and using my money as their " FLOAT '' to increase their own corporate profits. At worst, Coinbase is a fraud, at best, a really messed up company. I 'm feeling chaffed. What a CON JOB. 

I have also contacted my bank to inquire what to do about the transaction after-the-fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or around XXXX XXXXh, 2017, I attempted to transfer approximately XXXX BTC from Coinbase's "Vault" to the "Wallet" feature inside of my personal Coinbase BTC account. However, when attempting to do so, I get the error message, "Withdrawal Already In Progress On Vault". [Case number: #XXXX]

Normally, the account should send two emails to two separate email accounts listed in my Coinbase account. Then I'm required to confirm the transaction via these emails. I have not received any emails regarding this transaction. 

Ironically, when I made the same attempt to transfer ETH from my ETH Vault to the ETH Wallet, the system worked as expected. I was able to withdraw my funds without any issues. 

I've emailed and called Coinbase's customer support. I have waited patiently for a solution to allow me access to my funds. I've only been told that tech support will " ...get to it when they can". It's been over two weeks and I still haven't heard anything back from them. I believe enough time has passed for this issue to be resolved. 

Unfortunately, a brief XXXX search will show that I am not the only customer to experience this.

What I want them to do is to put ALL of my funds into my BTC >Wallet< so that I can successfully transfer it OUT of my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took applied for and was approved for a payday loan, however, I have had an extremely tough financial hardship and honestly couldn't even afford XXXX dollars monthly to pay off my debts. I don't know if I need to explain the whole story. Basically, I am just wanting it to be known that I am going to and in the process of trying to get the situation resolved. My parents have been harassed, however, and they keep attempting to take it out of my bank account without my approval. Please advise on what I can do to get this issue resolved, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPSP that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 2018-01-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX on the XXXX XXXX 2017 to coinbase and the money is still not showing in their account. 
I made a SEPA international bank transfer, I 've spoke to my bank XXXX XXXX and they confirmed my payment reached their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a loan through XXXX lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that XXXX lending services has sold our loan and we would be making payments to Lakeview Loan Servicing , LLC on the XXXX of XXXX. On XXXX XXXX our mortgage was withdrawn by XXXX lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out XXXX, This made no sense to me because the agent could see the XXXX payment on her computer screen this was evident by her statement, " ok i see the payment on the XXXX and the XXXX '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. After that i called XXXX XXXX about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. It would be XXXX thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out XXXX in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help. 

When i spoke with XXXX today they said it was a glitch with Lakeview loan servicing llc computer.

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 2019-07-18
Company: SYNCHRONY FINANCIAL
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE '' XXXX, REPORTING ON : 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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I had fraudulent activity on my account its been over 60 days now and I haven't gotten any response. This affecting my vehicle situation because im getting very high interest rates and my job is opening back up in XXXX. My accountant wrote a letter for me to send to the bureaus. 
I would like these inaccurate items deleted as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: MN
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:
I went to XXXX around XX/XX/XXXX. It said my data had been breached. Today I heard this website gives random results, so I checked again today, XX/XX/XXXX. It told me I was not affected. Was I affected or not? I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Ditech Financial LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I applied for Loan Modification due to financial hard ship in XXXX 2016. And submitted all he required documents, ( again again they are asking me pay stubs and bank statements which I upload on there web site and mail them at least 20 times ( I documented ). Every once in a month I got call from my case assigned your application in process, Till noe never received any positive response. 
Thanks XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft! 1. The creditor was not authorized NATIONAL CREDIT SYST Date of opened account : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 XX/XX/XXXX, Huntington Bank sent me a text saying that they believe my checking account had an unauthorized payment of XXXX cents as an international fee. Of course this was not me so I sent them back a text saying yes this is indeed not authorized. A few minutes later I check my checking account to see Huntington Bank had let XXXX different transactions all for the same amount of {$28.00} from XXXX go through. These payments occurred in a different state ( New York ) and I live in Ohio. I immediately called them and told them these payments were not authorized and that my account was comprised. They closed my account and gave me a new card in the mail a few days later. On XX/XX/XXXX I was refunded this money of XXXX payments of {$28.00}, a total of {$260.00}. However, on XX/XX/XXXX this money was again taken out of my account from Huntington Bank and they informed me that they did believe the payments were authorized. I have been fighting with them for months over this issue but theyre still disagreeing and saying these payments were authorized when they were clearly not. I was even told the reason why they believe they were authorized was because of my old card being used on an XXXX XXXX account. I have not recently added that card to any XXXX XXXX account. The only thing I can think of is that my old card was still on my XXXX XXXX account and I accidentally may of tried to use it on two different purchases. XXXX not sure why this would matter as it has absolutely nothing to do with the XXXX separate transactions from a completely different state along with the international fee occurring right before. Im very disappointed in my service and feel like Huntington Bank is treating me unfairly and would like my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
Trans Union has my account unbelievably wrong. It started XX/XX/XXXX. They have removed all of my credit history. I show only one credit card with XXXX. 
They are ruining years of perfect credit history. They show me as a XXXX score, but look at XXXX? I am and always have been XXXX or better. I've reported them to XXXX with no resolution. I've contacted them eight times about this mistake. XX/XX/XXXX they sent me a report listing all my history which displays why I am so upset. The history was correct on this report? Still they report publicly a XXXX score. Vindictive reporting about me for unknown reasons. I am extremely tired of fighting with Trans Union about this. The other two reporting agencies have my score correct when companies contact them showing XXXX and XXXX FICO SCORES. I WANT THIS RESOLVED! I don't know what their problem is maybe because of my conservative party views? 
Please help me. I am at wits end fighting Trans Union. They just won't admit they have lied about report for 6 months. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Texas

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 2020-06-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy that is not mine nor have Experian nor XXXX  properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both Experian and XXXX  asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only Experian and XXXX  Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.

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