BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a checking account and a savings account at metro credit union. XXXX XXXX XXXX is a member only bank. Not just anyone can open up an account the only way to do so is to add my ex boyfriend to My ex boyfriend to my savings account only so he would be able to open a checking account of his own. XXXX XXXX stated that he could open one and be a member if he was put on my savings. So thats exactly what we did. They never once mentioned that I would be responsible for any negativity on his accounts or loans. Eventually I wasnt with this exboyfriend anymore. I have an account from XXXX XXXX XXXX reported on my Experian credit report for {$2500.00}. I have no idea what this is or what it was for. It does have my account listed however. I have never recieved a bill for this. The credit report says its an installement loan. At that time I had direct deposit into my checking account. The bank however did tell me that I was unable to remove him off of my account because he had a negative balance on his checking account and even though he was on my savings that meant he was on my checking account as well even though he wasnt suppose to have his name on my checking account. The bank was going to take my money from me even if he had a loan that I had nothing to do with or even if he had a negative balance in his account all because he was on my savings account. I have no memory of this loan I have never seen paperwork with my signature saying i authorize this loan or that I would be responsible for this loan or even his loans. We were never married. I was not on his personal checking or savings account. This balance doesnt belong to me. I have tried to dispute it but I dont feel they actually did a investigation because if they did this item wouldnt be on my report right now. the amount is {$2500.00} and it says the account was opened on XX/XX/XXXX according to my experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification. During the loan modification process the mortgage company would sporadically ask me for information I would submit it and they would ask me for more. Weeks would go by before they would ask me for another piece of information to complete the loan package. In other words I never got a loan package to complete at once it was piecemeal to me. I assume this happened to delay the process for the mortgage company to foreclose on me basically run out of time. I have a lot of equity in the home and I believe that the mortgage company has no intent on modifying my loan just to foreclose and take the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
Purchased a timeshare with XXXX XXXX and the sales representatives overstated the income. Unkowningly to the client, the sales representative added the income of each spouse to the individual credit card application, overstating each applicants annual gross income by approximately {$50000.00}. The entire purchase transacations was then chanrge to XXXX cards opened up that day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called Experian and I requested that the copy block the fraudulent information on my credit report. I got a letter in the mail from Experian that said that if I could confirm my identity in conjuction with providing a theft report to Experian that this is anot optional remedy of identity theft that is afforded to me. The representative that I spoke with stated they do not do any blocking of accounts, she had never heard of such a thing, she further said that it was the creditor 's decision as to whether or not to block the fraud accounts, and that Experian has forwarded my complaint to the company, contingent upon what the company 's response is regarding the fraud accounts, they will adjust the fraudulent information. The representative did confirm to me XX/XX/2017 that they received my police reports, arrest reports, a photo of my social security card, check stub with my current address, my state issued identification card, and driver 's license. I am a victim of Police confirmed identity theft. In XXXX, I sent the police reports with some of the felonious account numbers and an arrest report naming the offenders to Experian by mail. I followed up 3 weeks later and they stated they had no record of the mailed information so I sent the police reports again via fax in XXXX. Experian sent an email to me that the investigation was completed but Experian did not remove or block any of the fraud accounts and/or the identifying information such as multiple addresses for the offenders. Additionally, they show I have a social security number which is not mine. Verification of my signed social security card and number was submitted with the arrest reports and police reports. The erroneous number also has not been removed. My name appears as variations of misomer. I requested these be removed as they are not nor have been used by me and are not legally my name. They have thus since refused to do so to date.

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 2015-08-18
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: SUNCOAST CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a mortgage from Suncoast Credit union and I believe I was discriminated against. The denial letter stated that I have excessive obligation to my income which is not true. I have paid everything on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was online ( AnnualcreditReport.com ) requesting my credit report from all three reporting agencies. I got a message from Experian indicating that I had already received my report - see below. This request today is the first request I have made in over three years. I attempted to contact Experian ( XXXX ) and was routed to a automated system wit no option for speaking with a person. I was able to find another number ( XXXX ) - this is for subscription support. Here I was told the number ( XXXX ... ) was the only way to get in touch with Experian Credit Bureau and I was welcomed to request/access my credit report at freecreditreport.com . 
What I am having a very hard time with is the fact that this company is a " public '' company that sells credit support services and is also supposed to also provide a mandated service to the general public. They are not meeting this mandate! Providing a number that does not facilitate any option for problem resolution is derelict and should be addressed. They can not serve two masters. This is the same agency who dropped my fraud alert statement and refused to update it after I had my identity stolen. I am very concerned that their system is indicating that I have received a report which is not true and I have no way to find out additional information or speak with anyone concerning the matter. However, if I had an account I would have been assisted immediately. What exactly are my consumer rights when it comes to getting the support necessary from theses agencies? 
If my experiences are any indication of how they comply with the mandate they are given then, consumers need protection from Experian! 
Here is the message I received : Annual credit report can not be accessed**Attention! 
Our records indicate that you have already received your free annual credit report from Experian. Would you like to request your free credit report from freecreditreport.com*? *****The XXXX.com report will be in a different format than the XXXX Report, but will contain the same type of credit information and inquiries that a lender or creditor will see when they check your credit. 
You may also purchase a full credit file disclosure on our site for a fee of up to XXXX, which displays all inquiries for your credit report, including inquiries which are not disclosed to creditors. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase, Inc. i s registered as a  XXXX   XXXX   XXXX  with  XXXX ,  XXXX  registration number :  XXXX  They provide a money transmitting service by exchanging cryptocurrency tokens to and from local  XXXX . This service is advertised as " instant '' for  XXXX  residents.     On  XXXX   XXXX   XXXX  ( GMT +8 )   XXXX  , I initiated an exchange of  XXXX  ETH tokens into  S  {$1.00},  XXXX , which was supposed to have been credited immediately into my Xfers account . S  {$0.00} was credited while the  18  ETH tokens were debited.  Xfers  is a payment processing company Coinbase partners with. I have contacted Coinbase at  XXXX  XXXX  XXXX , their only official source of correspondence, and also highlighted my missing funds to their representatives at  XXXX  and  XXXX . I have also made a complaint to  XXXX .     On  XXXX   XXXX    XXXX  ,  Coinbase  closed my account with no explanation, completely denying me access to my previous transaction records, while still owing me  S  {$1.00},  XXXX . It is   XXXX   XXXX   XXXX     today. 35 days have passed and I still have not received my funds. All I have in possession are countless excuses from peripheral Coinbase staff/ automated bot mails delaying what should have been a simple money transfer. The " instant '' transfer is fraudulent advertising and it can not be legal for a business to withhold a customer 's money under what it has claimed to be a custodial account. I should have access to my own money and transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Bread Financial Holdings, Inc.
State: AZ
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:
On XX/XX/2022 - XX/XX/XXXX I made payments totaling almost {$8000.00} to my Comenity XXXX Visa Credit Card. Since then they have not reported to the credit bureaus and my balance on the credit card still shows it's around {$8000.00} which is effecting my credit. I am coming up on trying to buy a house in the new year and I gave them time to have this figured out. I understand maybe it takes 30 - 90 days ( all of my other credit cards report when the statement period closes ). I originally contacted Comenity in the beginning of XXXX saying it's been over 60 days and they haven't reported. I was told it would be done in 7-10 business days and then it would happen, it wasn't reflected. I then called back XXXX XXXX and that person stated because XXXX 's was bought out by Comenity they haven't been reporting due to the transition and it would reflect in 30 days. I messaged them in the system and they sent me a message saying they are not reporting to the credit bureau yet because of the transition - It has been nearly 4 months and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX.. 
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































fl boa

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 2016-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Initiated credit freezes at all XXXX credit bureaus in XXXX of 2015. 
Experian and XXXX now require a form letter with ID sent via mail to get a credit report. 
XXXX still provides their report online. 
Experian and XXXX are punitive against persons that initiate credit freezes.

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 2017-03-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Experian and XXXX regarding the inaccurate information and have gone through the dispute process. I am attaching the information that I have provided them with regards the accuracy of their reporting. I also have illustrated the XXXX is antedating the account past 7 years to reflect a different first date of delinquency and is reporting to other credit agencies. I have another account on the Experian also from XXXX that would have a different First date of delinquency other than currently reporting extending past the 7 year mark. I am attaching the information from the Furnisher, XXXX, and other court related documents to reflect accurate reporting or in some cases complete block and deletion. The letter I drafted addresses what my requests are in detail for further review.

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 2021-09-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On my XXXX, XXXX and Experian Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, XXXX, & Experian are reporting the wrong date of first delinquency. They report XX/XX/2017 my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX, TransUnion and XXXX Credit reports the collection tradeline XXXX XXXX XXXX acct no ending XXXX, Orig creditor XXXX XXXX XXXXXXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, TransUnion, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.

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 2017-01-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THIS COLLECTION AGENCY ISNT REGISTERED IN THE STATE OF NEW JERSEY, THEY HAVE ILLEGALLY OBTAINED MY INFORMATION AND CAUSE SERVE HARDSHIP, I WOULD LIKE THIS REMOVED IMMEDIATELY.

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 2016-03-03
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Several years ago I was a Discover Card Holder within a few weeks Discover closed the account because my credit score was lowered due to Fraudulent activity. I paid the account in full never late. Fast Forward to XXXX Discover pre approves me but when they finalize everything they advise me because of that old account we can not grant credit. Its not right or fair. Account was never late and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation