BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: EOS 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 status incorrect

Complaint:
I am writing time in hope that you will consider helping me by removing late payment information from my credit profile. I do not know who else to reach to in regard to my old XXXX XXXX account. I have been a customer with XXXX XXXX for years and I have never had an issue until now. I am highly known in the public eye as I am a two-time XXXX XXXX XXXX XXXX and I constantly refer other players to your company. 

Currently, XXXX XXXX is reporting a collection account in the amount of {$120.00} on my credit report. Unfortunately, this collection is the result of my personal assistant negligently handling my business affairs. 

I have included a letter from the business management team that employed my assistant with this letter. 

Please note, since the time of this inconvenient betrayal I have been mostly successful in working with my creditors to get my accounts in order and restored my credit profile. I implore XXXX XXXX to help me get beyond this nightmare as I should not be responsible to bear the consequence of this collection. I am more than willing to pay this account in full as long as the collection status is removed after payment. A payment was not made as my business management office failed to tell me there was any balance due on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not valid. I am an active consumer and will open a court case against your company is the small claims court of Wyoming if this not fixed. I would like to dispute this debt. PLEASE FIX NOW AND STOP THE HARASSING PHONE CALLS!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: TX
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 have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX XXXX date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX Experian Report XXXXExperian XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/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 2022-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
called Nissan motor, car loan on my credit reports shows closed and they keep updated every month up to date with C/O TILL this date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My wife had this card that was offered when we got a new checking account. I must have received one also but never activated it. My wife XXXX XXXX  in XXXX and because my name is also on the checking account. I have no access to this account and they don't mail the bill until it was past due. Where they applied late fees and interest rates. 
elan financial, cardmember service, I received the bill XX/XX/XXXX where there was XXXX late fees and XXXX interest charged.I am going to pay this off as soon as I save enough money, but these people don't help. 
Twice I have asked them to mail the bill on time and twice I have received it past due. I don't feel I am responsible for it at all. Never signed for, never used it and they know 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 explanation
Consumer complaint received 2017-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of america received a reverse charge from a merchant on my credit card. charge was for {$1400.00} on  XXXX   XXXX   2017 . charge was reversed on  XXXX   XXXX   2017 . I have told this t o 3 d ifferent representative 's on the phone, I sent a registered letter explaining. This and the credit was never applied they continued to charge interest and Fee 's I have no other charges on the card and I want to close the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: ALLY FINANCIAL INC.
State: MS
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:
On XX/XX/XXXX, I contacted Ally to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from Ally stating they were making a negative entry to my credit report. I called Ally and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about Ally correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from Ally Corporate relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking Ally to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-06-09
Company: EQUIFAX, INC.
State: GA
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 sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
There are many mistakes in my report, Unverified Accounts :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX    Account #  XXXX   XXXX /  XXXX   XXXX    XXXX /  XXXX    Account #   XXXX     XXXX   XXXX   Account #   XXXX     XXXX /  XXXX   XXXX   Account #   XXXX    XXXX /  XXXX    Account #   XXXX    XXXX / XXXX  Account #   XXXX     XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX  Beside that, I have never paid late this account  XXXX   XXXX   XXXX   Account #  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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish account without my written instructions.

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 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am here to write this letter to inform you about a fraud that has happened to me. Firstly, the people called me about how my XXXX account was hacked and was red flagged. They told me that they were from the XXXX support team. Due to the fact that my bank information was connected to my XXXX account ( aka XXXX XXXX ) I began to raise concern for this issue. Then, they told me to download the team support quick share app so that they can see my screen and help me solve the problem. After that they made me go into my phone setting where they saw all my information like IP address and my phone serial numbers. When my screen was shared with them, they had me go into the Bank of America app to do multiple XXXX transactions and Im pretty sure they froze my screen since they asked me to hold a long pause while I was in the app. I also noticed that the money in my bank account did not make sense as money was going from my savings into my checkings and checkings back into my savings. Then they asked me to go to my email that has the fraud alerts sent out by Bank of America and they asked me again to hold for a long period of time. Based on that I concluded that they have the ability to control my screen and take action on their part. After going through my email, they asked me to go on XXXX XXXX and replace my card information for theirs and tried to begin certain transactions saying how those are dummy accounts to test something. I refused to do so but as they now have my XXXX information, they did the transactions themselves. I then decided to call Bank of America and get this situated after realizing its a fraud. I then took all of my money back out of XXXX so that they wont take any more money out of my XXXX account. The total amount taken from me was {$7400.00} on the day of XX/XX/2020. I called my bank many many times and they did not help me solve this issue and kept blaming it back on me saying it is my fault. I had no knowledge that this whole situation that happened was a fraud at the time of this incident. All I thought was that those people are from XXXX support, that was why I cooperated, otherwise, I wouldn't have.

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 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit bureaus  (  XXXX , Transunion and   XXXX   ) that showed th at the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified letters to each bureau requesting that the information be deleted from my credit repo rt. Only  XXXX  bureau-Transunion has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on 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 non-monetary relief
Consumer complaint received 2021-05-17
Company: BAM Management US Holdings Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I received notification that an ACH deposit failed. The email stated " please deposit XXXX USD within 7 days to bring your Binance.US account into good standing. When you initiate an ACH deposit, we credit your account immediately and your bank is charged 3-7 business days later. To settle the disparity. '' On XX/XX/XXXX I deposited XXXX $ minus the fee had XXXX in my account. On XX/XX/XXXX I deposited another XXXX $ which took care of the charge back email I received on XX/XX/XXXX. On XX/XX/XXXX I contacted customer support and asked how long it would take to unlock my account. My support ticket is # XXXX. Which was filed with Binance us. Yesterday I received this email " We are terribly sorry for the delay in our response! 

Currently, we are working to resolve a high volume of inquiries, and we noticed you had not yet received a solution. 

If you still need assistance or have any questions, please let us know and well get back to you here ASAP! 

Thank you! 

Customer Support Binance.us '' While the whole time my money is sitting in a crypto currency that I've been trying to sell to prevent me from losing thousands of dollars ... ..if the market crashed tomorrow all my money would be gone, which makes this important to handle in a Timely manner. I've read other people who were locked out for months. Feels like they are holding my money hostage, while I have to sit back and do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out some information online to see what things I would need to do to start preparing for buying a mortgage. I started to get calls from Rocket Mortgage immediately to which I answered the call and it was a woman named XXXX XXXX. We had about a 30 minute discussion arounXXXX XXXX XXXX  MST and she then told me that she would be calling me back within an hour to discuss a plan on how to prepare for buying in a couple of years as I am NOT buying until then. The call never came. The next day she called me and I told her that I waited for her call the previous day and not getting it and her calling me the next day that I no longer wanted to speak to her, hear my options or be in communication to please not contact me again. The previous day when we did speak I had already told her I work from home and needed to do things via email for the most part and to please email not call and that her not even listening to me on that after she didn't call back when she said she would is not what I am looking for. That if someone says something and it is business related I expect follow through and not to have to deal with someone that does not listen. I told her all of this when she called the next day and then she proceeded to still send emails anyway. In those emails she would start it out with " per our conversation I am following up with you on '' .... Per our conversation AND an email I sent to her I asked her to STOP contacting me and she did not have my permission to run my credit ever again and to basically leave me alone. Here we are a few weeks later and this woman has not stopped contacting me. I sent another email asking her to stop and stating that I will be seeking legal action. This is harassment and not acceptable. She has my information and is untrustworthy having people 's information. In the email that was recently sent, it said to allow any inquiries on my credit from Rocket Mortgage and this is AFTER I already told her to stop on the last phone call I had with her and via email. She is blatantly ignoring my requests and proceeding to do as she wishes with my information. This is illegal. I have told her to stop verbally and in writing. Her name is XXXX XXXX with Rocket Mortgage. This is her contact information ( XXXX ) XXXX ext. XXXX ; Email XXXX Her NMLS is XXXX Please make her stop. She does not listen to me and she is abusing access to my information. This is not ok or acceptable treatment of any potential client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish account without my written instructions.

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 2018-05-31
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated from XXXX XXXX in XXXX, and my loans entered into repayment in XXXX. The loans at issue are through Discover Student Loans. I initially set my loans on a ten-year repayment plan and my monthly payments were approximately {$650.00} / month. In XX/XX/XXXX, i was switching jobs and wanted to set my loans to a 20 year term ( i.e. so they would be paid off in XXXX ). Discover adjusted my payments, and my payments went down to {$220.00} / month. I made the same {$220.00} payments for five years until in XX/XX/XXXX, when Discover unilaterally increased my payment amount to {$2600.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted Discover, they said that the only documentation they had was that my loans were on a 10 year term, and therefore they increased my monthly payments to {$2600.00}. However, Discover is ignoring that my statements and payments for the past 5 years reflected a 20 year repayment schedule. I believe that Discover did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Harley Davidson Financial Services Inc
State: MA
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:
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR HARLEY DAVID # XXXX DEAR CRA / HARLEY DAVIDSON ; I was going through my motorcycle Harley Davidson finance and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.

Company response to consumer: Closed with explanation