BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report. 
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions 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 already try to fix this issue and I dont know wich part its not doing their job, I have on my credit report a account XXXX XXXX that was open on XX/XX/XXXX and closed on XX/XX/XXXX with XXXX balance with like 6 months late payments history that are NOT correct, it's the other way I always try to put extra money on monthly payment. I open a dispute with EXPERIAN and they closed the dispute with out investigating and updating this wrong information, I have my bank statements that I send to XXXX and EXPERIAN, when I called XXXX I spoked with Supervisor named XXXX XXXX I explain to him and show him my bank statements and he was sorry about it and he agreed with me to totally remove this account from my credit report, Im working into get my mortgage loan and this its affecting a lot, Im requesting EXPERIAN to investigate this issue and update payment history or removed this account from my report as soon as posible because I already wait for so long.

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 2020-01-24
Company: ONEMAIN FINANCE CORPORATION
State: TX
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:
There is a One Main XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting for Navy Federal Credit Union to remove and delete these fraudulent credit cards from my XXXX credit report or legal actions will be taken against your company. I have never had any accounts such checking, saving and credit cards with Navy Federal. Someone stole my personal information to obtain these fraudulent accounts in my name. 

1. Navy Federal Credit Union Account ending # XXXX Balance {$5200.00} 2. Navy Federal Credit Union Account Ending # XXXX Balance {$1100.00} I have attached a copy of my police report and FTC report to this correspondence requesting for your company to remove these fraudulent accounts from my XXXX report as well as out of your system database. 

I also included correspondence from XXXX showing where these fraudulent accounts were removed but there were reinserted on my credit report without me being notified within five days based on FCRA. 

Navy Federal has violated my rights. Please honor my request by removing these fraudulent accounts from my XXXX  credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: DISCOVER BANK
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 am requesting for XXXX to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. Discover Bank 6. XXXX 7. XXXX  XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have setup a profile with equifax, and have setup a credit freeze. I need to purchase a new car, and so I have been trying to lift the credit freeze with equifax, which is the company my auto dealer verifies credit with. When I try and login to XXXX, it tells me to call equifax. i called equifax on XX/XX/XXXX. They told me to confirm my identity that i needed to send in us mail my social security and drivers license. i sent this on XX/XX/XXXX. They claim they never received it. so, i sent it again, via certified mail, and the XXXX confirmed their receipt of documents on XXXX. now, i have been a month unable to get a car due to this issue. they claim they still dont have confirmation of my materials even though i have confirmed delivery. I really need help for equifax to unlock my XXXX information so that i can unfreeze my account. my information was made available as a part of the equifax data breach, so it seems that hackers might have more access to my info than I do. Please help me get this resolved. thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Main Street Personal Finance
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid and is closed in the state database but they are still calling me when i told them I remembered paying it and it is not open in the database she said no thats wrong i have called the state database they say it is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: PA
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 am working on rebuilding my credit to become a home owner again. There are two hard inquiries reporting on Equifax that I do not recognize. I am not sure who to contact because it describes it as XXXX Miscellaneous Reptg. Agencies. Once on XX/XX/2018 and once on XX/XX/2018 from the same company. I do not remember giving anyone permission to pull any credit report this year at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: BARCLAYS BANK DELAWARE
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:
BARCLAYS BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? 
Thank You 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 2023-08-30
Company: EQUIFAX, INC.
State: OH
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've been tirelessly attempting to rectify a fraudulent account linked to XXXX XXXX  on my credit report, to no avail. This account is not associated with me. Despite numerous phone calls, letters, and other efforts spanning several months, XXXX XXXX  remains unresponsive to the grave error of an unauthorized credit card appearing on my report. This oversight has adversely affected my credit score to the point where I'm unable to secure a home. 

It's disheartening to witness large corporations seemingly overlooking the concerns of individual consumers. I earnestly hope the CFPB can intervene to correct this mistake, allowing me to move forward in my life. The apparent oversight on XXXX XXXX  's part has significant repercussions on my credit health. Given that my attempts to communicate with XXXX XXXX  have been unproductive, I believe that seeking the CFPB 's assistance might be my only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Freedom Mortgage Company
State: PA
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 applied for a refinance loan on a property with Freedom Mortgage in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via Freedom Mortgage a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to Freedom that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by Freedom at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with Freedom about it, it was clear it is not a priority to get it resolved, at my expense.

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 2021-01-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX apartments in XXXX XXXX, GA. I have contacted XXXX XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2018-07-17
Company: Experian Information Solutions Inc.
State: TX
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:
on XX/XX/2018 we submitted to Experian two accounts that were already due to come off my report in XX/XX/2018 we had previously complained to CFPB to resolve this issue, while this was going on we herd NOTHING from Experian in fact, to date we have herd NOTHING in regard to this matter. 
The accounts that were supposed to come off was XXXX XXXX case # XXXX and case # XXXX It has now been 3 months since we contacted Experian by Certified mail and as previously stated, to date they have continued to neglect their responsibility to remove old out dated.

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 2022-06-17
Company: CITIBANK, N.A.
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 requested an extension for my Best Buy Card after catching XXXX and had to stop working for some time. My request was granted and my account was supposed to be deferred. However, I received notification that my account was 30 days late. I contacted Best Buy the following day and the representative informed me that after I make a payment and after the payment clears, the information being reported will be deleted and my account will be current. The payment was already made and was pending. After a week went by, the 30 day late payment that was being reported was deleted and my account was back to current. However, an additional two weeks went by and now the information that was once deleted is being reported again and showing on my XXXX account. Ive reached out to Best Buy and they informed me that it was corrected on their end and that I should contact XXXX. XXXX did a dispute for me and asked me to contact Best Buy which I did and they also filed a dispute.. However, the information being reported has not been deleted. The creditor agreed to delete the information being reported as long as I made the payment and the payment cleared. I had already made the payment before calling Best Buy and the payment was pending which is why the representative asked me to wait until it clears then the information being reported will be deleted. The information was deleted but it has came back on my account and I am not sure why after the creditor agreed to delete it. This is the reason for my dispute.

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 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2020, I went to make a cash deposit at the Capital One ATM in the XXXX Target, at XXXX XXXX XXXX XXXX, XXXX, XXXX, WA. 

I inserted {$830.00}, XXXX - {$20.00} bills and one {$10.00} bill. The machine pushed the {$10.00} bill back out. The machine continued to make noise, and nothing else came out. A yellow banner appeared on the screen stating I hadn't removed rejected bills and they were being " retained ''. 

I assumed it was an error, reinserted my card and proceeded to deposit the remaining {$10.00}. I checked my balance and it read {$41.00}. I removed my card, reinserted and checked again. Same thing. {$41.00}. I stood in front of the ATM and called the bank immediately. I was told ; only the {$10.00} was seen. I was then transferred to the claims department and explained the situation verbatim. I was told the matter would be investigated and could take 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have contacted XXXX, XXXX and Trans Union letting them know the information on my credit report is fraudulent they refuse to remove several accounts and inquiries, they also had several names and addresses that are not mines including to ssn numbers. after i have sent over proper documentation supporting my claim. The law states they must report accurate information. Upon checking my credit i discovered my information such as my ssn, email address, address and name was found on the dark web and they are reporting false information needs to be 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 2018-02-08
Company: Deutsche Bank
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Account : XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tenant SS Wife : XXXX SS Husband : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MS XXXX Ref : Probate Code - Section 5604 ( c ) ( 2 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX California Unclaimed Property Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX ( I requested name changed back to maiden name at divorce - XXXX ) TO WHOM IT MAY CONCERN : Five years ago, California Division of Unclaimed Property via XXXX XXXX XXXX ( heir finders ) notified me of unclaimed property of my now deceased ex-husband and myself from the mid XXXX due in inactive status. I was requested to submitted death certificate from courthouse along with divorce papers along with XXXX XXXX signatures on each copy of correspondence which I did immediately. 

It appears that although we divorced and divided several funds in XXXX, my husband left them in both our names when he died over ten years later. 

Despite other mutual funds/insurance company sent me the funds which were minimal amounts ( under 6,000.00 ), Deutsche Bank refuses to take my husband 's name off the account and allow me to access the funds ( XXXX as of last week ). 

I presented necessary documents ( court-stamped death certificate, divorce papers with request for maiden name ( XXXX ) of wife and division of property ). 

Due to this account, I am audited yearly, have paid small taxes on the small dividends for 25 years up including XXXX which showed gains. 

Can you please help me? I need this money as I am behind on my mortgage XXXX, and this would be the answer to my dilemma. 

Up until last week, Deutsche Bank reinstated their stand that they recognize the judge 's orders that this fund is my husband 's property. 

I contacted executor last XX/XX/XXXX to remove my name while attempting to file for SSDI, which he failed to do. I called him ( deceased ex-husband 's son, XXXX XXXX ) two days ago on two occasions, and he has failed to return my calls. 

At this moment, I have spoke with bankruptcy attorny and since my debt is so low, he suggested I do whatever is necessary to capture this small amount so I will not lose my home of 20 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: NRA Group, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I seen on my credit report on that national recovery agency had posted a collections for XXXX XXXX XXXX. I have moved several times in the past two years due to school and didnt know I owed them money. I actually still have XXXX  at my current home as my electric provider and still havent received anything in the mail.

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 2022-06-17
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, I checked my credit report and seen that I had inquiries that I have no consent of besides 1. Ive never gave any company the authority to pull credit report neither did I apply for anything. I want the inquiries to be removed from credit score because its impacting my score and Ive never gave consent for them to be there on all credit bureaus.

Company response to consumer: Closed with explanation