BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

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 2020-05-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank credit cards department has been continuously discriminating against me based on my race and racial origin. they have insulted me multiple times and have refused to answer my complaints and investigate my charges of fraud against citibank, in the latest instances, citibank has posted two charges, of XXXX $ each, with posting dates of XX/XX/XXXX and XX/XX/XXXX of XXXX, both with transaction date of XX/XX/XXXX. Both charges are fraudulent, both have the same reference number, XXXX XXXX both charges are duplicate and triplicate charges of a charge posted to my account in XX/XX/XXXX. 

However, citibank refuses to acknowledge this and they retaliate against me for previously complaining against them to Consumer Financial Protection Bureau and raising the issue of Citibank 's XXXX discrimination against me. 
Please invesitigate Citibank. They are violating Federal fair Credit Act and anti-discrimination statutes. 
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 monetary relief
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!

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 2021-09-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed for bankruptcy but I still have the account appearing on my credit report because Walmart switched the credit card company who serviced their accounts from Syncbank to XXXX. It is the same debt and the Syncbank closed account should show bankruptcy not show the payment history since its the same Walmart debt that shows bankruptcy with 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 2019-05-29
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I had {$200.00} withdrawn from my account which I did not remember authorizing I called Coinbase and emailed them. While over the phone we were able to figure out that I did authorize the withdrawal 4 days later on XX/XX/XXXX I get an email from Coinbase that they have put my account on a temporary freeze due to the email I sent about the {$200.00} bank withdrawal. I have tried multiple times emailing and calling to have my funds released. But they have not been helpful Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Report provided to employer without your written authorization

Complaint:
I have submitted several letters about unauthorized inquiries into my credit report and Transunion refuse to remove.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account and told me I had fees but still send me statements

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 2021-03-01
Company: Bread Financial Holdings, Inc.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The whole Wells Fargo system is down and there is no way to get money out of my account. Debit cards are being declined, tellers cant access the system. There is literally no way for me to get access to the funds in my bank account. This is the first time in my life that this has happened and now I am going to have to keep an emergency fee outside my bank. Very scary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute with XXXX XXXX of 2017. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX # XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Loan depot called about an inquiry of refinancing my home. After talking for a bit they asked to pull and take a quick look from my credit just to look at the score. Company ended up pulling a full report with out permission including all of the current loans I have out. After opting out of their services they still send paperwork to move forward with their loan which I did not agree too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.

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 2021-09-07
Company: Upstart Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for bankruptcy but I still have the account appearing on my credit report because Upstart changed something in their system about the account although it is the same debt. 
The account is closed and show bankruptcy not charge-off or be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted multiple times in the last year by Synchtiny financial for a debt that has been in repayment through XXXX XXXX XXXX  since XXXX/2019. They agreed to the payment date and amount with the company, and will frequently change the day they want paid every few months and call me saying they haven't received payment. XXXX pulls on the same day every month and pays my creditors on the same day every month. They have never mailed me anything. I receive between 5 and 10 calls per day until I have to get forceful, get a reprieve for maybe 2 months, then this starts all over again.

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 2021-04-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently found out that I am a VICTIM of Identity theft and that there are several fraudulent items on my credit report that doesn't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband lost his job due to the pandemic back in XX/XX/XXXX last year. I contacted Mr. Cooper on around XXXX or XXXX because I couldnt keep up with the payments. They offered me the option to apply for hardship due to Covid 19, but the way they offered it, deterred me because if I choose that option it meant I had to pay 3 months at once. Where was I going to get that money from? I asked for a loan modification or refinance. They worked with me on both, but because I wasnt making enough, I wasnt elegible to refinance. Really? Thats the point of refinancing, to have a lower monthly payment to be able to make the payments. Then they said I wasnt elegible to have my loan modified because I have to be at 80 % of my mortgage payment. Meaning I will have to pay about {$25000.00} to be at 80 %. To top it off, they wont let me make my property tax or home insurance payments on my own. Meaning they have rights over my own money that I dont have, they decide what I do with my own money and what I cant do with it. Mind you, I have been trying to solve this problem since XXXX or XXXX. I even told the guy, I wont be able to make the next month mortgage payment, I wont have any money, his answer, there was nothing they could do. And to make things worst yet, now they sent me a letter that because my escrow account will be short {$230.00} next year, because my property taxes and home mortgage went up, my monthly mortgage will go up from {$1200.00} to {$1200.00}. If I cant afford to pay my previous payments, how in the whole world they think I will be able to afford the new payment? We have been living out of credit cards all this time because unfortunately my husband hasntbeen able to find a job, and because he was working independently, he is not elegible for unemployment. We are in a really bad situation and I cant believe this lender with its predatory practices, is trying to profit from vulnerable customers, and in the middle of this horrible pandemic. Like if it is not stressful enough already. What is their end goal? To make people desperate enough to just give up and lose everything they have worked so hard for? Or to drive them crazy? There is something really wrong with this company, and they need to be stopped before they inflict further damage on people.

Company response to consumer: Closed with explanation