BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was informed, after the fact, that my homeowners insurance, which was supposed to be paid out of escrow funds by Loancare, was cancelled despite having adequate funds in the escrow account. The insurance company stated the reason for the cancelation was because the payment was sent in late and therefore they cancelled the policy and returned the payment. Once I found out that the policy had been cancelled, I immediately went to work trying to get the original policy reinstated. This took a crazy amount of phone calls and time but after about two months, the original policy was reinstated at a higher rate. 

Both the insurance company and Loancare state that I was uninsured from XX/XX/XXXX-XX/XX/XXXX. Loancare put their own policy in place which was {$1000.00} a year more than the original policy. Loancare now states that even though I was uninsured, I would still have to pay for the new almost {$1700.00} policy that either never went into effect or was in effect for only a month or two. They said this was a " penalty '' for not having insurance ( which they were supposed to pay out of escrow funds in the first place ). When I disputed, they said there was " nothing we can do '' other than to have a supervisor from the insurance department call me within 48 hours. I never received that call.

As a result of all this, my payment has gone up about {$300.00} a month. After seeing that they have over 800 similar complaints on this sight, I believe that situations like this are not isolated incidents, but rather common practice for Loancare. In short, they XXXX up by not paying my insurance on time and are expecting me to pay for it. This could have been an easy fix for them. All they had to do was admit they made a mistake and take the appropriate corrective action to fix it. It was clearly their own mistake. 

I may not be able to make the full new payment. I suspect the next thing that will happen is they will unjustly XXXX up my credit and attempt a foreclosure. 

I rarely make consumer complaints but these people have went way over the line. I would not recommend using them under any circumstances. Their customer service is nonexistent and they put people at risk of being out on the street with little concern. They couldn't even tell me if the new increased payment was temp or permanent.

I want ( and expect them ) to repay any money already paid for this replacement insurance policy and return my monthly payment to it's original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have submitted a previous complaint and Coinbase had reached out. However, all that Coinbase does is write an email and does not make the necessary efforts to fix my account. At the point, I am XXXX to Coinbase. I am unable to access my accounts or speak to anyone that can assist. 

Coinbase is refusing to assist and is hiding behind their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2018, I started receiving prepaid credit card offers to my house from Capital One for a person who does not reside here. I contacted them on social media and told them how dangerous that was for this person 's identity. They instructed me to go to their website and opt out. 

I opted out twice. Once in XX/XX/2018 and again in XX/XX/2018 because these letters keep coming. I even called my attorney who said to file this complaint because talking to Capital One on multiple occasions has done nothing. 

As someone who has had their identity stolen before, I can not tell you how dangerous this is for the person receiving these offers to my house. I hope you can fine them or stop them cause they are an awful company with no regard for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: TCF NATIONAL BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.

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 2023-05-24
Company: Cascade CISS Holdings, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX Credit Plus XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. see attached files

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Im paying extra for 3 warranty {$3400.00} and gap insurance {$790.00} which is added in my car note and I cant use the warranty since us auto sales haven't paid XXXX the warranty company so they will not let me file a claim and now us auto sales is closed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently opened up a Chase account approximately 2 weeks ago in New York. I have been having issues with Citibank for years now and I decided to make the switch. I really liked Chase and the accessibility they had all over the world. However, to my dismay, I received a letter in the mail today stating after careful consideration, we have determined that we can no longer support your banking account ( s ) and will be closing it on XX/XX/2018. Im not sure what happened. When they first open a bank account, they go through XXXX XXXX and they check your credit, etc. All of that was clear and my credit was 780+. Im XXXX XXXX in the military and this is going to be my primary bank account and has been routed through my military profile already. Im not sure what I may have done or why they are closing this account but I really need this account as I closed down my other one already. Its really not fair as I have great credit and a high security clearance in the military plus I was in the process putting tens of thousands in the bank. I have an auto loan with Chase whom Ive paid on time perfectly for nearly 4 years now. Honestly, what is going on? I went into my branch today and Chase refuses to release any information to them and the people on their phone lines at XXXX are so rude and disrespectful. They said sorry, you can never open an account with Chase again. If that is true, and if that is how Chase Americas primarily bank decides to treat XXXX XXXX military, then Im going to file a lawsuit in small claims court. Because its a blind-eye discriminatory policy which theyre not disclosing and it severely impacts peoples finances and family health. I serve this country, and now I have to fight to keep money safe into a bank account? Are you serious? Please fix this Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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:
On XXXX XXXX I sent a letter to EQUIFAX informing them that there were a number of fraudulent inquiries that appeared on my credit report that needed to be removed. I informed them I had been a victim of identity theft and attached a FTC identity theft report and police report along with my statement, and proof of my identity. By law, they are suppose to remove or block this information from my credit report. I received a letter from EQUIFAX dated XX/XX/2021 refusing to block the fraudulent information from my credit report, which is a direct violation of law. The following inquiries that appear on my EQUIFAX credit report are fraudulent : JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: RI
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Walmart claims that I have two accounts ... one that has a debt of XXXX and XXXX. I have one Walmart card and it was stolen. I do not owe this debt nor do I have two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: MN
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:
I contacted XXXX on XXXX to remove my fraud alert. I then received a letter from XXXX saying my request was forwarded to XXXX and Experian. Surprisingly, both XXXX and Experian created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from Experian because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a email from XXXX to see about my dispute. First off I am a victim of major identity theft. Why these people emailing my sending documents to my address? I well Told all three companies to mail me everything. The person who stole my identity has my email address. First they told me that XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX , was right and current. They are extremely Wrong. These companies I never opened. Got a car loan or got credit. It was done by XXXX XXXX who stole my identity. He opened them I am not responsible for these accounts.Did you not get my information well here is the documents. Also I have a credit Freeze, fraud alert on all 3 credit reports. Trains Union and XXXX  aloud banks to inquire my report. The documents are uploaded. I also uploaded my police report and confession letter stating XXXX XXXX confession to the crime. This letter was written by him. He is still trying to get another drivers license from the DMV. He is using my personal information to inquire for credit car, loans. FIX this information NOW!. XXXX  did nothing. I also uploaded my driver license and a copy of a utility bill to prove its me and they are wrong XXXX is wrong. They asked my to upload my driver linces and a copy of my utility bill.

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 2018-07-25
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING.I have a a unverified account from CMI GROUP # XXXX. I had previously disputed this account. I have never done business with CMI GROUP # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI GROUP # XXXX I DEMAND THIS ACCOUNT BE DELETED UNTIL PROOF OF CLAIM IS PROVIDED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be 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 2020-02-12
Company: Experian Information Solutions Inc.
State: AR
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:
I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$21000.00} XXXX  XXXX XXXX  XXXX {$7300.00} XXXX XXXX  XXXX {$12000.00} XXXX/XXXX  XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
loan XXXX  fha XXXX XXXX XXXX I paid trial payments of total {$7500.00} when Ocwen presented the permanent loan mod the terms were too high to and including the interest rate, total payment there's nothing in the trial payments that say Ocwen can keep my trial payments the loan is now transferred to XXXX XXXX wherein I will need to start a new loan mod request which will require a new trial payments

Company response to consumer: Closed with explanation