BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Issue Statement : In XXXX of this year, 2021, I filled out a support ticket requesting that Coinbase move my XXXX bitcoin from my vault into my account as I was unable to do so. I made this request as I was unable to identify the second approval email, thus making the vault inoperative and the content unavailable to me. 
On XX/XX/2021, Coinbase stated that they had successfully performed a transaction to move my bitcoin from my Coinbase vault into my account.

( XXXX and XXXX ) The referenced accompanying emails clearly state that Coinbase had successfully transferred the bitcoin from the vault to my account, making them available to me for further action on my part. 
However, since XX/XX/XXXX, when this transaction allegedly occurred, the bitcoin has not appeared in my account, and my account is listed as having XXXX bitcoin. 
The bitcoin was sent to an address which is not associated with my account, and Email-XXXX, states that it was sent to an address " you haven't previously used. '' When I inquired as to the whereabouts of the bitcoin, I was told to supply the Hash ID for this transaction. 
( EMAIL-XXXX ) I responded that since I did not perform the transaction, I had no record of the transaction or its Hash ID. 
The case was then closed without any explanation, and I was informed to open another ticket if desired ( EMAIL-XXXX ). 
On XX/XX/XXXX, I filled out another support ticket asking Coinbase to open another case and assist in tracking down my missing bitcoin. 
I received an email ( XXXX ), strongly intimating that I had made an inappropriate transaction and thus had lost my bitcoin through my own incompetence. 
Since the bitcoin is missing as a direct result of Coinbase staff action, I believe that Coinbase should restore the bitcoin that I previously had that appears to have been lost by their staff.

The accompanying emails include some lengthy header information, in case, their true origin may need to be tracked. 
Thank you for any assistance you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-24
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
It all started with a refund that they didnt want to refund. Then I experienced a situation where they were discriminating against my XXXX, and were telling me that I needed to follow some steps, regardless of the issues that I was having informed them that I could not read, and if they could call me in for me, and then they just change the subject of the matter and then they just, in when I say they I mean cash app cash app which is say it was either suspicion of fraud, or it was unusual activity. And theres even been times where my card had no choice but to cancel that we order another one and then I would have to wait the 7 to 14 days to get a new card and then I would experience several different issues with the digital wallet of suspicion of fraud or unusual activities on a brand new card that I was forced. And then the address they couldnt guarantee that the card could come there. I also had informed Cash App that per my policy of dealing with customer service. If my standards arent met, I charge a fee for that I charge a fee for discrimination. I charge the fee for hold times I charged a fee to speaking to a I instead of capable human beings, I charge a fee for incompetence, and I charge fees for whatever they might be Ill inform them, and then, depending on the next following statement, whether theyve complied or not, the charge will be made or not, and they have several charges And havent paid any of them I would like the charges paid in full, or I would like them to tell me why I got in a court of law and I plan on asking for more than {$10000.00} so a meeting about redress negotiation, mediation, conciliation, arbitration or private judgment is going to be sought after and needed Immediately I charge {$20.00} XXXX if this is a headache by the time I get to court I will be {$20.00} XXXX of my my needs are not that before that and before then I mean within 24 hours. I could be contacted at XXXX or you can reach me at XXXX, I would like a XXXX  of this message to go to the XXXX  officer XXXX last name XXXX I would also like XXXX XXXX XXXX to be notified as well as XXXXXXXX XXXX. I plan on sending out a mass email to the XXXX XXXX users for XXXX XXXX card holders, if my needs are not met, I want a copy of this sent to XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX as well as the XXXXXXXX XXXX  location I believe is XXXX cultures the XXXX XXXX. as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Home Point Financial Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. The mortgage has been sold to XXXXXXXX XXXX I recently received notification from XXXXXXXX XXXX that they billing me for lender placed insurance passed on from Home Point. I do not escrow and have proof of insurance throughout the length of my mortgage. I have no record of the insurance and no documentation of the insurance policy, nor does the previous lender. This insurance was placed without my knowledge. I provided proof of insurance and was told that they would not initiate the lender placed insurance in XXXX of XXXX This charge just recently showed up with my new lender who is unable to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I have contacted the mortgage company to inform them of inaccurate reporting of payments and loan balance. I have made several attempts to get the mortgage company to make the correction from XX/XX/XXXX to XX/XX/2019. The mortgage company did confirm payment was paid on time and the correct loan balance, however they will not make the correction with the Credit Reporting Agencies. I disputed the items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 with credit reporting agencies. The Credit reporting agencies stated that information was verified is accurate will not update the credit report with most accurate information. No supporting evidence of the balance and payment history was provided to support the decision.

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 2022-08-24
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: GA
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:
On several occasions I've requested that Experian correct errors associated with my credit report. I proceeded to request a dispute of several items I found to be in violation of several consumer laws. On XX/XX/2022 I receive a dispute error saying " Looks like you've already filed a dispute for this item '' and further continues to say " Under section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can upload it here .... '' I've also called in multiple times, with specific verbal instructions, and even though I specifically pointed out that these accounts listed, do not have my written instructions to be reported in Violation of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604.a.2, Experian continues this law-less charade of violations until present day.

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 2022-10-26
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A BILL FROM CASHNETUSA FOR XXXX. I HAVE NOT TAKEN OUT ANY LOANS FROM THIS COMPANY. I CALLED THEM AND GAVE THEM MY NAME AND THE ACCOUNT NUMBER OFF THE BILL XXXX AND COULD NOT GET ANY INFORMATION FROM THEM. THEY WANTED MORE OF MY INFO AND I REFUSED TO GIVE THEM ANY AS THEY HAVE MY NAME AND THE ACCOUNT NUMBER TO USE FOR REFERENCE. THIS IS ALL THE INFO I CAN GIVE, AS THEY REFUSED TO GIVE ME ANY UNLESS I GAVE THEM MORE OF MY INFO. I HAVE NO BUSINESS WITH THIS COMPANY, SO I DO NOT KNOW HOW THEY THINK I OWE THEM MONEY. I THINK I DID A FBI SCAM REPORT LAST TIME I GOT A LETTER FROM THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, XXXX, and Experian. This should be considered fraudulent if no one can provide the information I'm requesting to verify the 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 non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report last year in XX/XX/XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX/XXXX  account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from XXXX, Transunion, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-08-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened multiple accounts in my name without my consent ( 4 accounts ) to be exact. I did not authorize this Financial institution to do so, I am only aware of one checking account that I agreed to on a contract. This FRAUD committed by someone who was working for the company this has caused me a major hardship. I have not been able to open up an account any where. Below are the only two accounts I have knowledge of. I have reached out to Wells Fargo multiple times the case number is listed below : case number is XXXX Debit Card XXXX. 
Any additional account opened up under my ssn using all of my personal information needs to be Investigated IMMEDIATELY. I am the owner of that PERSONAL INFORMATION this is my personal property such as : DOB, ADDRESS, PHONE NUMBER, SSN ETC. The policy and the contract or agreement that was offered to me clearly states that Wells Fargo participates in the PRIVAVCY ACT and The CONSUMER RIGHTS PROTECTION ACT, but the did not hold up their end of the contract. The contract was BREACHED. The account is fully insured by the FDIC. 

XXXX XXXX is XXXX. 
Wells Fargo Opportunity Checking XXXX Wells Fargo Opportunity Savings XXXX XX/XX/2014 XXXX check amount : {$1900.00} I made a deposit on this date with a check from my employer and Wells Fargo kept my Negotiable Instrument and the credits and closed down the account. That check was my Personal Property they never returned the item to me. FRAUD

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 2022-10-22
Company: EQUIFAX, INC.
State: NC
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:
To : Equifax and XXXX  According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly these two screenshots from Equifax show that the first day of delinquency is not being reported!. 

You better fix it or delete it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-22
Company: EQUIFAX, INC.
State: TN
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 had found a FTC report more than 60 days ago addressing not only unauthorized inquiries but also increase made from me being a victim of identity theft and I was trying to obtain Credit in my name there are 11 hard inquiries that are not reporting 100 % accurately because I never gave my written consent under Section 609 it says I'm entitled to All Sorts documentation including contractual agreements with my signature to prove that it was in fact me who applied for this credit which has yet to be provided to me in the past 90 days while I've been trying to handle this and I've done it by the book between fgc reports and riding letters listing the law violations along with only asking what the law provides by them sending me contractual agreements to prove that it was me who tried to obtain credit none of this has been provided to me and it violates the fcra and I would like these inquiries deleted because they should not be on my credit report without my authorization for others to look in to my credit also violates permissible purposes since I've never said that this was okay

Company response to consumer: Closed with explanation