BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am writing this letter after making several desperate attempts to your Coinbase Support. Last week ( Monday, XX/XX/2021, at XXXX XXXX  ) I received a message from Coinbase indicating my password has been changed. As I did not change the password I suggested that Customer Support block my account as I believe somebody attempted to hack my account. Since then I am not allowed to access the account nor reinstate the account. I was unable to reach any Coinbase Support agent so far in order to get assistance to reinstate my account. First, I called the Customer Support phone number many times, however ; I could not reach any live Customer Service Support team agent to discuss my issues. It says their system can not recognize my account from my phone number nor by the email address which I provided when accessing the Coinbase account previously. This customer support number seems to be useless as it won't offer any live support to the customers. Then I filed few complaints through Coinbase Support however, again I did not receive any response from your customer support so far. I also make several attempts to file an official complaint using the complaints form in your Coinbase Customer Complain Resolution Process as I could not resolve my issues with Coinbase Support. I could not even submit this complaint form successfully as it repeatedly asking an existing case number on the complaints form which I do not have. Their system never generated any existing case number or a ticket number although I filed many written complaints with Coinbase Support as stated. Now my Coinbase account is lost, and my identity has been lost meanwhile my banking institution that has been linked to this Coinbase account is frequently sending alerts to me as they monitor several unauthorized attempts to withdraw funds from my bank account using my Coin base account that has been hacked. Although I was able to block my bank account I can not do much with my Coinbase account because I dont have any access to reach any customer support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: AL
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:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

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 2021-09-07
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i. This is ruining my livelihood and ability to apply to certain jobs and have credit extended to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XX/XX/XXXX. Vehicle was stolen. When recovered. XXXX said they were picking it up. Payments and insurance paid during time. Get notice from salvage yard and contact Victims of.crime and XXXX. Both agreed to pay any and all fees. XXXX say they are retrieving vehicle. Salvage yard said they were coming. They leave vehicle never pick up or notify me that they were not. I continue to pay and pursue vehicle return until XXXXXXXX XXXX XXXXXXXX. Was told by XXXX they would ruin my life and attach my pensions. In XX/XX/XXXX company sent to retrieve vehicle from my possession ( last payment made was XX/XX/XXXX. Get 6 months of negative teportinh on my credit report a repossession then a charge off. If they ever retrieved vehicle I was never given a default notice so they broke XXXX and Ohio XXXX in reporting a loss they could have prevented. Ruined my credit paying extreme interest due their callous disregard of laws in place which govern the procedure. Had purchased GAP insurance, Cost Guard and was fully insure till stopped paying at the advise of Ohio XXXX XXXX theft agent. Say they do not want to settle their or resolve issue. Contacts never returned calls.

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 2022-02-10
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, Im contacting you regarding chime bank. ( online only bank ) I have an account there. 
I have not had a deposit in over two years but I have never made a withdraw, transfer, payment or otherwise. I have also never close the account. 
Periodically I get on the app and check it. I tried to get online recently and it said I do not have an account. 
I tried repeatedly and received the same message, so I sent an email to chime support. 
The following day I received a email stating someone would respond to me in XXXX hours., I sent another more detailed email stating that I have not touched the account. 
I received another email stating I should hear back from them in about XXXX days or so. 
I attempted to make a local police report, but was told that there is nothing local enforcement can do.The bank will handle it with their internal system. 
Being in somewhat of a panic about the situation I started scrubbing through all of my emails to see if they had written me regarding anything pertaining to my account. I did not find anything from them but inadvertently found XXXX letters XXXXXXXXsent in 2020 about a lawsuit regarding Chime. 
XXXX versus chime The paper stated that I was one of the people Who could claim benefit due to issues with Chime. This is the first time that Ive ever seen this mail. The other was 1 year later from the same sender stating that because I neglected to contact, I was no longer eligible for any proceeds incurred during the suit. 
I do realize these are XXXX separate matters, but I am hoping for advice and direction regarding both. 
Thank you so much for your help and your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Square Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX and XXXX 2021 i made purchase for products that were never delivered, both of which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX , through a wesbite and company known as XXXX XXXX, with order numbers # XXXX and # XXXX which were made online at XXXX 

Both items were purchased with my " Cashapp card '', a prepaid electronic debit card issued by XXXX XXXX 

The purchases turned out to be a fraud scam, when i ordered the items XXXX had given a 5 week delivery time estimate. Then as that timeline was breached, i contacted XXXX to find out what the holdup was, XXXX had asked me to wait and have patience and told me that the graphics cards were late because they were stuck in customs, and then a fewks later they were saying they didn't know how long until they'd be released from customs and then when iade a 3rd contact over email, XXXX had said they were in litigation for the cards and didnt know when they'd be delivered and said they were not allowed to issue any refunds. 

Then on multiple occasions, starting XX/XX/XXXX, again on XX/XX/2021, i had attempted to contact XXXX XXXX through the cash app support email, and even filed a XXXX complaint against the bank because Cashapp/XXXX XXXX refused to take my dispute for the fraudulent purchases saying I had only 60 days to complain about the fraud and refused to chargeback the fraudulent purchases for the items that were never delivered. I was robbed nearly {$1400.00} and the Bank is playing policy games in order to unjustly enrich fraud companies and make internet purchases insecure so they can assist theft. 

XXXX is shut down and i can not contact them and they are not replying, i can not contact XXXX and CashApp XXXX XXXX XXXX were informed of this with my XXXX complaint and still refused to protect me and chargeback the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX  and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!

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 2020-07-10
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have 2 mortgages, 1 - our primary with Freedom Mortgage, the other is a real estate investment with XXXX XXXX. 

We never have made any of our payments late, yet both mortgages show that we are in forbearance status. We have tried repeatedly for lengths of time to have the banks change the status yet it remains. 

We are in the process of selling and would like to refinance the other loan. I am afraid it will be a huge problem for us to do either if the status shows that we are in forbearance. We also understand that the credit bureaus show both these loans in forbearance. 

When I emailed Freedom about this, they said it was because we made a late payment in XX/XX/2019, I have a confirmation email from them and the withdrawal from our account proving that is an inaccurate response. 

Please help us, we are not sure how to proceed. 
Thank you so much! 
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 explanation
Consumer complaint received 2020-07-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I owe {$0.00} to XXXX  and card should be active. 

card is stayed i owe money and closed. This is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An authorization was approved for a treatment plan with XXXX XXXX from Workers Compensation in XX/XX/2018. XXXX XXXX failed to file in a timely manner for billing. A notice of decision was sent to XXXX XXXX with an opportunity to object to the decision that the carrier and claimant were not responsible for payment due to untimely filing of billing. XXXX XXXX did not object to the decision. Decision clearly states in favor of the carrier and claimant is NOT responsible for payment. XXXX XXXX knowingly sold off the unowed debt to Credit Bureau Systems Inc. I have since then receives several letters and phone calls in an attempt to collect this undue debt. I have provided a copy of the notice of decision that I am not responsible for the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
My wallet was stolen from the XXXX at XXXX XXXX XXXX, in XXXX Ga XXXX On XX/XX/XXXX. I filed a police report on XX/XX/XXXX With the XXXX XXXX Police Department. On this same day I went back to the gas station to view video footage with an Officer which clearly shows someone Stealing My wallet. I filed a claim with western union for a tracer, then I was told that it would take 90-120 days to investigate the stolen money order. I called western union on many occasions during this time frame only to be told they were still investigating it, they didn't have any updates and could not contact the department that handled the investigations. So pretty much it was a waiting process. On one instance I was told that the bank who cashed the money order was XXXX XXXX, when I contacted them I was advised that there was nothing they could do and I would have to wait on Western Union. With this being said I continued to wait and continued to follow up with Western Union only to be told I still had to wait, no one would connect me directly with a manager and the one time I did speak to one I had to wait over 30min. My last contact with western union I spoke to an associate and told her I wouldn't provide any of my information until I was connected with a Manager. When the manager finally was on the line she attempted to pull up my money order transaction without me providing her with the money order number and told me that the claim had been denied. When I questioned her about the number she put in, she then asked for the money order number and still told me the claim had been denied. I asked her why I didn't receive any documentation from Western Union about why the claim had been denied and she told me she would send something in the mail of which I never received. This was my last conversation that took place with XXXX XXXX on or around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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

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 2021-08-08
Company: ATHAS CAPITAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I applied to cash out my recently acquired investment properties at Athas Capital Group, XXXX XXXX told me that they would approve the cash out loan based on the actual market value at appraisal, not the purchase price because we acquired the properties at very low prices. However, after Athas Capital Group checked my credit score, they told me that they could only approve the loan based on the purchase price. XXXX XXXX cheated me to submit my application and business checked the credit score, now this business must remove this credit check from my profile as soon as possible. If XXXX XXXX did not promise to approve the cash out loan based on the actual market value, I would not submit the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted TransUnion the credit reporting company about an inquiry having been made on my credit report on XX/XX/2022. The report according to TransUnion was requested by XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. However, there are no XXXX branches at that location. The closest XXXX facility is, and ATM located at XXXX XXXX XXXX XXXX, XXXX Texas. So, it didn't make sense to try to contact XXXX yet since that was an ATM. Of note, the only bank showing this credit inquiry was our XXXX XXXX XXXX XXXX in XXXX XXXX, SD. Neither my wife XXXX XXXX or myself XXXX XXXX XXXX have applied for credit of any type in years. Further, we enjoy basically perfect credit scores because of our credit history. Today, XX/XX/2022, I received a call from a number I didn't recognize. They requested I call them back at XXXX. They gave me a reference # XXXX is to XXXX information. This call originated from XXXX XXXX, TN, phone # XXXX. Note, I've never had contact with this number before, nor do I recognize it. Anyway, this was all too suspicious, so I Googled the search term XXXX information XXXX city tn. Low & behold I found in results for this that this XXXX number was being used for a XXXX credit card phishing scam. Whoever is doing this stuff needs to be stopped. According to my XXXX search this has been going on from this telephone number for over a year. All the complaints were about attempts by these people calling to get credit 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 non-monetary relief