BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
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 and XXXX  Account # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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 and XXXX  Account # XXXX XXXX  XXXX, # XXXXXXXX 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 2022-06-03
Company: EQUIFAX, 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 XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, 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 a account without my written instructions Also, there are a few inquires that shouldn't be on my credit report. 

Following, 1. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 2. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 3. XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX  XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX 4. XXXX  XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: LEXISNEXIS
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In XX/XX/XXXX, I took out a XXXX XXXX " XXXX '' deal to pay for my Iphone 6+ along with my regular monthly payments. This is my only debt apart from my monthly credit card debts XXXX XXXX cards ). I pay all XXXX debts through auto payments. When I applied to renew my home, car and liability insurance with XXXX XXXX XXXX, I received a notice from them that the company had a credit report from Lexis Nexis from which XXXX had constructed a score to use in pricing my insurance. The note also said I could apply to Lexis Nexis to get a free copy of my credit report. I called Lexis Nexis on the automated phone request system but never received a report. Exactly the same thing had happened XX/XX/XXXX except that then I tried unsuccessfully to phone and then instead wrote a letter dated XX/XX/XXXX to Lexis Nexis XXXX I still have a paper copy-see below ). This time, XX/XX/XXXX, instead, I did not write but tried again to phone the Lexis-Nexis XXXX XXXX, and was put on hold for about 10 minutes and then cut off. 
Though I have few debts, I do want to monitor my credit reporting history to ensure accuracy, and I am frustrated how to get my right to the report without vast expenditure of time and energy. Please advise. Thank you. 
PS. the attachment briefly shows in the box and then lands below the box below!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I have not received a statement from capital one in over 2 months. This is not the XXXX time I have had this problem with capital one. They now have reported my account 30 days late to the credit bureaus causing significant damage to my credit because of their lack of customer service and integrity. I have a security clearance for my job and because capital one is inept with providing me statements this is now in jeapordy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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 XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, 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 a account without my written instructions Also, there are a few inquires that shouldn't be on my credit report. 

Following, XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  XXXX NJ Inquired on XXXX XXXX, XXXX Business Type : Credit XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: D&A Services, LLC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : D & A Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXXToll Free : XXXXXXXXFax : XXXXXXXXE-mail : XXXXXXXXCollections : XXXXXXXXSales Contact : XXXXXXXXSales Email : XXXXXXXXComplaint Resolution : XXXXXXXXXXXX XXXX, TXToll Free : XXXXXXXXEmail : XXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes D & A Services to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to D & A Services. Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that has been rendered to D & A Services because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to XXXX-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
on XX/XX/XXXX i recive a email from my credit report that my name was reported to the agencies, XXXX, XXXX and XXXX that my account was not paid, on the amount of {$360000.00}, so i receive a letter on the XX/XX/XXXX saying that my insurance pay {$32.00} and my pay off was {$36.00}, on lexus leasing is included and not optional GAP, so on the latter shows that the GAP pay {$360000.00} and my amount due was {$500.00}, which was paid with my XX/XX/XXXX, now for the last 2 weeks i being calling lexus every day to fix, and no one can fix this problem i sent certified mail, fax and spend in numerous hours on the phone try to fix and still not fixed, they ask me to wait 45-60 days to get this solve which its unacceptable,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Portfolio Recovery Services calls me repeatedly. I have asked on several occasions that they only contact me by mail, yet they still keep calling. More than XXXX caller has been aggressive and threatening. Some callers are evasive about telling me what company they are calling from and why. Every time they call I say that I have requested to only be contacted by mail and I have been told " apparently that did n't work '' and " you 're in a lot of trouble '' etc. I do n't recall receiving anything from them in the mail so I do n't know what debt they are calling about and I do n't trust them. After the way that I have been treated by some of their collection agents, I do not feel comfortable sending them any money. They are clearly not a professional outfit and I can not trust anything they say unless I have it in writing beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am receiving XXXX calls a day from Someone named XXXX XXXX. 
The number calling is XXXXThe calls happen up until XXXX XXXX. It happens 7 days a week. 
A message is never left. I have left word to leave a message or stopcalling. Have left multiple cease/desist requests to no avail. The levelof harassment in obscene. I have logged over 80 calls in a week. AndI have no idea what it is about. I only know it is Toyota from caller ID. 
Have notified them that the number is blocked -- does not stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is attempting to collect debit on a Kohls card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and Kohls only attempts to notifiy us was by way of postal mail. XXXX agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital one has been pulling my credit report every month, some times up to 4 times each month, for the past year. The soft inquires do not look well on my credit report, as I am trying to obtain a mortgage. They also send me piles of junk mail continuously. They are also doing this to my husband and it is very frustrating. I called them once to have the resolve the issue and I was transferred so many time without a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX DPT ED/XXXX Account # XXXX 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 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 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I Was Waiting For Sec XXXX To Approve My Move The Apt Wanted Me Out They Did Not Take My Rent. So Housing Moved Me Even After They Paid The Rent For That Month But They Did Not Like That So They Filed With Collections. Then They Placed It On My Credit But I Proved Them Wrong They Took It Off Then Placed It Back WHY?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As Im viewing my credit report Ive come across violations, Experian, XXXX and XXXX XXXX violated my federal protective consumer rights and civil rights. XXXX has commit fraud, sold my personal information over to XXXX XXXX without my permission. XXXX has been repeatedly sending letters in the mail on a monthly daily bases to collect on a debt of {$1100.00}. I am distress I keep getting denied of something due too experian did not delete what Im disputing. Ive reached out by certified mail, telephone, & cfpb complaints in regards of the matter.

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 2022-06-03
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 XXXX  Account # XXXX, Account # 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 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 explanation
Consumer complaint received 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Kohl 's credit account. After making payment, there was a credit of {$25.00}. Which was indicated on my next statement. Since then we have received XXXX statements that say " your account has a credit balance. You may apply this against future purchases or we will automatically send you a refund check within XXXX days. '' We never received a refund check so we called and were told by rep. that it is not XXXX days. To which it is already that too. Even though this issue is not affecting our credit, it is very frustrating as a consumer that if we do this we are charged a penalty wherein they can take as long as they want to send the refund even though it is stated XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : 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 non-monetary relief