BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: CT
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 recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Fraudulent activity went on in my account that I had no control over and I tried calling them to fix it and they end up closing my account and taking a lot of money from that was from my taxes

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 2020-10-29
Company: XOOM CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XOOM-XCOM dispute Fraud Claim # : XXXX XX/XX/XXXX Operator XXXX On XX/XX/XXXX I placed and order with XXXX XXXX XXXX  and sent money to them with XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating Our manufacturer notified us that this item is unfortunately on national back order. We do apologize for the issue. We will issue you a refund. A refund invoice from XXXX XXXX XXXX was provided on same day. Also, on XX/XX/XXXX received email statement from XXXX XXXX XXXX XXXX refunded {$590.00} USD from your purchase on XX/XX/XXXX. Also, the same day I transferred {$590.00} back to my XXXX account and was received in my XXXX bank account. On XX/XX/XXXX Xoom then processed an unauthorized transaction debit to my bank account for {$600.00} which I DID NOT AUTHORIZE. XXXX was contacted and a XXXX Written Statement of Unauthorized Debit was submitted and successfully determined IT WAS INDEED AN UNAUTHORIZED DEBIT. A block was placed on XOOM by XXXX preventing any further transactions. Xoom still is pursuing an UNAUTHORIZED DEBIT. Request cease and desist further action on this and dissolve collections actions for Xoom Statement requesting on XX/XX/XXXX under UNAUTHORIZED TRANSACTION RECEIPT for {$590.00}. I have all documents of this statement complaint and additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission or acknowledgment.

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 2018-02-28
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted my financials and modification request to Shellpoint mortgage several times. I've retired because of bad health, my interest rate is adjusting out frequently and I'm on a fixed income I don't want to loose my home Shellpoint has been difficult to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CITIBANK, N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/23 I transferred {$350.00} from my bank account to my new Citibank account I opened XX/XX/23 over the phone speaking to an agent, XXXX weeks later on XX/XX/23 they began closing the account out for no reason, without refunding my funds, spoke with XXXX who said his supervisor would not take the call XXXX refused to file this dispute seems like he didn't file my dispute because he knew my voice was connected to an XXXX XXXX  face and for Citibank to take my money then close my account then allow their agents to not file a dispute seems very odd that a bank would not correct this issue sooner instead I am having to file a complaint to attempt to get my funds back since XXXX left me on hold never filing a dispute wasted an hour of my time with a bank that took my money and refused to refund any of it. on XXXX and I need my money since they have closed the account before this turns into an arbitration... also spoke with several agents who would leave me on hold or hang up on me and they are very bad for a bank that refused to refund my account for fraud ... .they are violating regulation e policy, from XXXX, XXXX XXXX and XXXX XXXX, all of the agents refused to correct this issue by filing a dispute wasting time and causing more issues when fraud when fraud was on my account, and i need my money

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 2021-08-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Good afternoon, months ago I transferred money to Coinbase, they accepted the money and the next day they restricted my account, they did not let me access, I can not see the amount, I have sent hundreds of tickets to support and nothing that responds to me, I've been with my savings in coinbase for more than 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.

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 2023-03-02
Company: Village Capital & Investment LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had this loan with Village Capital and Investments for 20 months. They currently show my account as having a outstanding balance owed ( {$2500.00} as of XXXX XXXX it is only XX/XX/ due ) They are not posting my payments in a timely manner thereby charging me a late fee. I HAVE NEVER BEEN LATE. They have taken as long as two weeks from the time I mailed the payment to as little as 4 days. The postal service assures me that it takes no more than 3 to 4 days from the time the item is placed in the postal service, my zip code to the destination zip code. I have tried to correct this by XXXX talking to the company customer service XXXXFiling a complant with this agency ( CFPB ) problem has not been solved, one of the people that I talked to at the company didn't understand the concept " due date and if not paid by time. ( grace period ) I have never exceeded that. I have always mailed the checks in plenty of time to avoid a late fee.I can not use there web site anymore because my account has apprantly been compromised ( see enclosed document ) .I am beginning to believe that this is more than incompentent employees handling my account..I want this cleared up and clean up my credit. I have provided my entire payment history with Village Capital and Investments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CITICARDS CBNA were no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018

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 2018-07-27
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:
On XX/XX/2018 I sent a correspondence to Equifax via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018 and signed for. The correspondence was in regards to an account on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent onXX/XX/XXXX to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX BANK where they admit that I was not responsible for the alleged account after an investigation ; this other account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have XXXX business days to remove the account/item after the police report is received. It has been more than XXXX business days since it was received on XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Checked credit report and I have alot of hard and soft inquiries on there that I didn't do, or apply for. Lost phone with all my information in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Century Finance, Inc.
State: NC
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:
There are so many unverified and inaccurate information reported on this account. I have requested the proof but until now the company failed to provide. The balance is incorrect wherein there are charges which are unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have full documentation including a certified letter from TD Auto Finance that my account was paid in full and closed for a auto loan. I also have a signed title in hand from them. 

I called them multiple times to ensure my auto loan payoff quote was accurate and the money sent was processed accordingly. They ensured me it was. Once the account was paid and closed they called me 30 days later saying they " misapplied '' funds and that I owe them {$12000.00} still. 

I told them I would not send them anymore money as i have all documents showing where money was paid and letter of confirmation from them along with the recorded multiple phone calls to ensure accuracy. 

Unfortunately they were wrong and made their own mistakes that they are responsible for not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Paypal Holdings, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received letter from XXXX XXXX XXXX from a paypal debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with paypal as requested by cc company. This debt was identify theft and already resolved a while back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions 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:
I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX  XXXX, XXXX. ; XXXX XXXX ( C.E.O. ), XXXX XXXX ( C.E.O. ) and XXXX XXXX ( C.F.O. ), for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

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 2023-11-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In cfpb complaint XXXX I reported making timely payments on my Truist mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!

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 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Filed police report, called and tried to resolve incident with all credit bureaus, and credit card companies, certified mailed all required documents to credit bureau to solve this matter. This is my 2nd issue with someone using my information fraudulent and credit bureaus were aware back in 2019, the police report is on file for 2019 as well, and a credit freeze added to my personal information. Now a address with XXXX, Illinois appearing on my credit reports with credit cards with address to XXXX, Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received notice on XX/XX/XXXX from XXXX XXXX, through XXXX XXXX XXXX XXXX, that a credit card account had been opened fraudulently in my name. After further investigation, I discovered the account had already accrued a debt of around $ 1,600- {$1700.00}. I discovered that this purchase had taken place online and was picked up in XXXX, CA while I remained over a 2 hour drive away in my home in XXXX XXXX. I immediately took action and reported in good faith to their fraud services department and the FTC. I also called the XXXX XXXX where the pickup took place to report it, as well as freezing my credit. I was told on XX/XX/XXXX by XXXX XXXX XXXX XXXX that the investigation would be resolved by XX/XX/XXXX. I heard nothing until XX/XX/XXXX, when I started to receive debt collection calls & notices without any further information on the resolution of the fraud claim. Their company 's representatives have still not given me a definite answer on what was happening despite repeated attempts at clarification via phone : First, stating on XX/XX/XXXX via phone call that the investigation was still ongoing and then later claiming on XX/XX/XXXX via phone call that there was no notice of a fraud claim on the account. Meanwhile, they have continued to harass me with numerous phone calls ( 3 calls a day, 6 days a week ) without offering any resolution on this clearly fraudulent account through a card service I have never had a relationship with. I have also opened a new Identity Theft Claim with the FTC on XX/XX/XXXX as this matter has clearly not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
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:
I was never late on the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.

Company response to consumer: Closed with explanation