BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: NY
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.

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 instructons 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 vears.

15 U.S.C. 1681s-2 ( XXXX ) 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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

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 instructons 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 vears.

15 U.S.C. 1681s-2 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 ordered a TV and a phone with XXXX, opening a new credit line. They were supposed to send me the info for the payment by XXXX. 
I did not receive a statement until XXXX, and they had already reported me as 30 days late. I paid the amount off shortly thereafter to remove the potential for another harmful misrepresented statement. 
XXXX has refused to acknowledge the mistake on their end and remove the 30 days late 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 non-monetary relief
Consumer complaint received 2022-12-10
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:
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  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 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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS OR PERMISSION. 

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Nelson Cruz & Associates LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Could not even speak with someone, the operator refused to transfer me and acted as if she was in charge. She also cussed at me and repeated called me offensive XXXX names. She also threatened to call other numbers that were apparently associated with my account which I have no idea who that would be. This company is most likely fake or just completely mismanaged. I am currently disputing this collections as fraudulent since I have no idea what XXXX XXXX or " XXXX XXXX '' is or why it's on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 2022-12-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank XXXX Lowe 's Credit Card : Earlier this year my account preferences were changed ( not by me ) to have billing received electronically. My account was setup for paper billing. Chatted with Synchrony and they agreed to have partial late fees and/or interest removed. I have continued to use the card not paying for any past late fees and/or interest due to the switching of my preferences and only paying for my merchant purchases. Synchrony continues to add late fees and/or interest to my account w/o any merchant activity. The issue may lie with multiple credit cards ( merchants ) serviced by Synchrony. Each credit card preference s/b handled individually by merchant.

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 2023-03-21
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/1023, PennCredit, a Pennsylvania Corporation, contacted me via US Mail in Arizona in an attempt to collect a debt I do NOT owe. 

PennCredit Corporation is NOT registered to conduct business in Arizona. Arizona law requires foreign ( ie, out of state ) corporations that transact business in the state to register with the Arizona Corporation Commission and obtain a Certificate of Authority before engaging in business activities. Therefore, PennCredit Corp is operating unlawfully in Arizona. 

I responded to PennCredit via email on XX/XX/XXXX to 1 ) notify the company that it is operating unlawfully in Arizona, and 2 ) to dispute the debt the company claims I own. 

To date, I have received NO response from PennCredit Corporation. 

The Arizona statute requiring corporations to register with the Arizona Corporation Commission and obtain a certificate of authority is found in XXXX XXXX XXXX XXXX, Article 1 of the Arizona Revised Statutes. The specific section that addresses this requirement i

s A.R.S. 10-1501. A.R.S. 10-1501 states that " a foreign corporation may not transact business in this state until it obtains a certificate of authority from th
e commission. '' The section goes on to define " transacting business '' to include " any entry into this state to carry on any part of its business, '' " any internal affairs proceedings, '' and " any other act which may constitute doing business. '' Therefore, if a corporation wishes to conduct business in Arizona, it must obtain a certificate of authority from the Arizona Corporation Commission before doing so. 

Since PennCredit Corporation is NOT registered and does NOT have a Certificate of Authority with the ACC, it is unlawfully operating its business in Arizona ( and probably many other states as well ) by attempting to collect alleged debts from persons in Arizona. 

Note that every US state has a similar law that requires all foreign corporations register with? Usually ) the Office of the Secretary of State in that particular state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: NC
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 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-11
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:
In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX ACCOUNT # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX ACCOUNT # 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 an 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 2022-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report have been blank from XXXX when Experian send my credit report via mail which was XXXX and after that is have been blank.. 
Please update my credit report my credit not showing no score.

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 2022-09-20
Company: DISCOVER BANK
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:
Discover, XXXX XXXX, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, Discover has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a business account credit card. I received a letter and email communication that I needed to provide certain documents. I explained to the representative that I have moved and the information has my po box and old physical address on it. I also explained to him that I tried to enter my previous business address but the system would not validate it to proceed. I expressed my frustration about this impacting my credit and explained that I am a Counselor and I do virtual counseling for my business. I talked to a supervisor and he communicated that they can not remove the inquiry and they treated me as if I were lying.

Company response to consumer: In progress
Consumer complaint received 2022-12-10
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 and XX/XX/2022 I opened investigations with Experian for reporting a bankruptcy on my public record credit file. Experian has repeatedly refused to delete this file. They have claimed on multiple occasions to certify this account as being accurate. They claim the certification comes from The XXXX Bankruptcy Courts of XXXX as being the company that certified its accuracy. I know for a fact this claim to be false. I have reach out to the bankruptcy courts. They have given me a letter that contradicts what Experian claims to have happened with contacting them for certified validation. The letter states, they do not report, verify or validate information to the credit bureaus. Experian continues to lie about the validation of this public record. Without giving any valid proof of doing a full and reasonable investigation into this matter. I will attach copies of every I have with this complaint.

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 2022-09-21
Company: Nelnet, 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: Reporting company used your report improperly

Complaint:
NELNET HAS BEEN USING MY REPORT WITH OUT PERMISSON This is grounds for removal and monetary relief immediately. 
My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I recently requested a refund of my student loan payments from EdFinancial that were made during the eligibility period of the One-Time Student Loan Debt Forgiveness plan . 

After making the request, EdFinancial was very ambiguous on when this refund would be completed, mentioning to track the https : //studentaid.gov/debt-relief-announcement website to know when I would get my refund. From my understanding, the refund should be processed immediately from EdFinancial, and the website is where the application is to be " forgiven '' of the debt. 

In addition, there was no way to track the refund application ( no email confirmation, no tracking number, no updated balance on EdFinancial ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/ XXXX about a year ago to be exact I made an extra payment to my mortgage company to cover two months in advanced. A payment of {$3900.00} was made to my mortgage to cover 2 months but instead one payment was applied to the current month and the other to the principal although I never made a note that the extra payment was to be sent to the principal. When I caught the mistake the mortgate company made it was already too late and I was behind one payment because of their mistake. I called several times to speak to a representative and when I was able to speak to someone they said they would correct the payment that was supposed to cover my two months of rent/mortgage. As time went by no one ever applied the extra payment made to my rent/mortgage bill instead it was sent to the principal even though I did not make a note to send the extra payment to the principal. A year later now we are behind on our mortgage because of a mistake that took place over a year ago and no one ever corrected it. I had to apply for a forberance just to stay away from late fees as my family struggle to make end meets. If my payment would have been applied properly since day 1 I would have never face any financial hardship that has now caused emotional and financial distress. I never got the help I deserve at that time and now I'm just facing financial hardship trying to get up to date with my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: OH
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:
The credit bureaus... Experian, XXXX, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX.. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.

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 2022-12-11
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 XXXX  Account #, 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 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 1681 Section 604 B. States a consumer reporting agency dont have the right to report anything on your credit report without written consent.

15 U.S.C 1681 Section 605 Section 1. States with no consent that equal identify theft 15 U.S.C 1681 Section 605 Sections 2. States if your notified that something is on your credit report that results from identity

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