BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I was recently notified by XXXX XXXX that my credit score had dropped due to a late payment. After investigating it was a capital one member fee of {$39.00} charged to my card on XX/XX/XXXX then i was charged a past due amount of {$25.00} on XX/XX/XXXX without once ever receiving a phone call, email or text stating I am late on my payment. If I never received the notification on my XXXX XXXX app I would not have even known I was this past due. I have not held a balance on this card in years and always pay my statement amount and to have this affect my credit score the way it did without once receiving a phone call, text or email to resolve this issue is unacceptable. I paid the balance of {$79.00} on the XXXX after speaking with Capital One they weren't very accommodating in helping remove the delinquent payment off my report. I have had my XXXX credit score drop by over XXXX points for something I would have paid immediately had they notified me. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I saw an XXXX ad for CareCredit suggesting that it can be used for any health procedure. I applied under that assumption on XX/XX/2021. I then contacted my doctor and they said they do not accept the form of payment on XX/XX/2021. I immediately called CareCredit and was told that closing my account will not affect my credit score and that XXXX can remove the Hard Credit report check on XX/XX/2021. I called XXXX and they said I need a letter of Deletion from CareCredit/Synchrony Bank and gave me their phone number. I was then told that they will not do this as it does not fit federal protocol. I proceeded to contact XXXX and they let me know my credit report was pulled twice by CareCredit for one account and to submit a dispute with them to have it removed on XX/XX/2021.

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 2023-08-06
Company: EQUIFAX, INC.
State: MI
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Nelnet, 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: Account information incorrect

Complaint:
I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). Nel Net has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX frequently. I contacted Nel Net by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with Nel Net XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education on XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted Nel Net verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with Nel Net that they received my letter each time. I have tried to dispute and Net Net still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with Net Nel and I have no negative history. I am requesting that this be removed from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, 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:
On XX/XX/2023 through XX/XX/2023 I was notified by XXXX XXXX XXXX that a series of credit inquiries were happening on my credit profile. I did not authorize anybody to run my credit. I did not give my information to any company, and I did not go looking for any sort of credit at all. The notification led me to immediately lock my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: MD
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint, XXXX and XXXX  to Bank of America and demand for disclosure of documents. If Bank of America refuse to provide it to me via CFPB, I will issue a subpoena for these documents. 
Bank of America is a part of collection and servicing team who assists others in collection and servicing activities, thus a subject for disclosures under FDCPA and RESPA. 
Between XX/XX/XXXX to XXXX all my money were collected by XXXX XXXX XXXX XXXX XXXX and XXXX and deposited with Bank of America XXXX 
I demand to identify owners of the accounts where my money were deposited and names of each individual employee who had authorized access to these accounts, with contact information of these companies and individuals. Identify the named payee on this account. 
I demand copies of these accounts monthly statements history, which can show all debits and credits, starting from XX/XX/XXXX to XXXX. 
Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-25
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I have gap insurance with XXXX XXXX bridgecrest for XXXX Gap coverage, my car insurance already give to they bridgecrest that my car is total loss amount, the evaluatin of vehicule and sentlement breakdown, and I ask bridgecrest for one letter or email for my gap insurance claim that cover, they dont want any letter or email for that, also don't want give me finance for other car, knowling I dont have fault of the crash and always paid on time!

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 2023-08-06
Company: EQUIFAX, INC.
State: AL
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 22 unauthorized inquiries on my equifax credit report I filed a ftc report I mailed letters to equifax Ive called equifax so now Im making a complaint I have my rights as a consumer my ftc report has a list of all hard inquiries By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I deposited {$1600.00} into my Bank of America account in preparation for a flight outside of the country. I received a receipt of this deposit and stored it along with my debit card in my wallet phone case. The following day on XX/XX/XXXX, I mistakenly lost my phone while out purchasing food. I immediately tried to access my Bank of America account online through a computer in order to lock my debit card. Bank of America asked to verify my login by using my phone number but it was impossible for me. They did not allow me to verify my login using my email. I tried calling them through an alternative phone but I was left on hold or a representative never called back. On XX/XX/XXXX, I obtained another phone and transferred my phone number and it finally allowed me to verify my login with Bank of America. Upon opening my account I immediately locked my debit card and noticed a purchase for {$1600.00} dating to XX/XX/XXXX, to a vendor I have never used before. At that very moment I called Bank of America and started the process for the fraud claim. They sent me a new debit card and promised that I would receive my stolen money back since I was not liable for the purchase since I did not have access to my phone at the time. On XX/XX/XXXX, they sent me a message stating that my money would not be returned and the claim was closed. I asked them for more information but they only gave me a basic answer that the transaction was authorized, even though I clearly stated that I did not have access to my phone. I immediately requested that they reopen my case and thoroughly investigate any IP addresses or any other information that could prove their decision. They reopened my case and again closed it on XX/XX/XXXX stating that the transaction was authorized. I have called their fraud department multiple times since that day in order to either request more information or for them to reopen my case but their phone response is due to extenuating circumstances a representative can not take your call at this time. They are basically avoiding me and labeling me a fraudster. I have been with them for many years and this was the first time Ive ever opened a claim with them.

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 2023-08-06
Company: EQUIFAX, INC.
State: IN
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:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report b In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: CA
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:
Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, XXXX  and Trans Union requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...

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 2022-01-12
Company: Affirm 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:
XXXX is reporting these Affirm account XXXX as having a balance and being severely late however the data furnisher is reporting in my account on their website that I am being issued a refund due to the fact that the merchandise was never in my possession and therefore should not be reporting on my credit report. This is a clear violation of the Federal Consumer Reporting Act section 611 regarding the CRA sole responsibility of only accurate and verifiable information and the FCRA LAW 605B which enables this and all reporting that is fraudulent inaccurate and erroneous to be deleted permanently from the credit report. XXXX has violated this law on several occasions and I am seeking damages for lost of wage, shelter and creditability because of the inaccuracy of reporting for the amount of XXXX which account for the several occurrences in which I have had to reach out to XXXX regarding this and other inaccurate claims each occurrence of damages of XXXX per incident totaling 25 incidental occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing to formally request the removal of my name from the check systems maintained by your organization. 

I recently discovered that my name is still listed in your database, and I believe this may be an oversight or an error. As a responsible account holder, I have diligently managed my financial affairs and maintained a good standing with your company.

I kindly request your immediate attention to this matter, as having my name inaccurately associated with any negative information can have adverse effects on my financial reputation. I am confident that the issue can be resolved swiftly and without any complications. 

Enclosed with this letter, you will find relevant documentation that supports my claim and verifies my credibility as a trustworthy customer. I kindly ask you to review this evidence and initiate the necessary steps to remove my name from the check systems promptly. 

Please confirm receipt of this request and notify me in writing once the removal process has been completed successfully. Additionally, I would appreciate any further information regarding this matter and any steps I need to take to ensure its resolution. 

Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution to this issue.

Company response to consumer: Closed with explanation