BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I hold LexisNexis responsible for providing false and inaccurate information about my XXXX XXXX XXXX car that had Air bag Deployed during an accident which was not true and reported by LexisNexis. 

My car was stolen based on XXXX police report # XXXX attached here. This report doesnt mentioned anything about XXXX XXXX XXXX. 

LexisNexis false report was provided to XXXX company owned by XXXX. 

XXXX indicated that they are not responsible for inaccurate information since their source of data is their third party and provided by LEXIS NEXIS. 

XXXX has claimed that their source of data collection is from LexisNexis and they are not responsible for accuracy of their report that is published by XXXX or their XXXX company. 

LexisNexis false report has caused my car value dropped substantially when i was first aware of this false report in XX/XX/XXXX when I was going to trade my car at the XXXX XXXX. I hold them accountable for my financial loss. 

I would be more than happy to settle with them before I take any legal actions. 

Sincerely XXXX, XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched company from XXXX XXXX to XXXX. XXXX was suppose to take care of the cancellation fees while I covered the past due balance on the account and return their equipments. Which I did. But a collections was still placed on my account. I was called by credit resource management and I told them I needed the last month bill so that XXXX could take care of the rest of the bill. They kept saying they sent it out but I never received it so I was unable to give the bill to XXXX. I ended up paying the rest of the bill and somehow they still sent the bill to my credit score even though I paid. I never once received a mail about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX  {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} TXXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 - Account # XXXX. The incorrect reporting of this account have 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 is inaccurate. The credit bureaus are reporting this account as a charge off with XXXX late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Spring Oaks Capital, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act SPRING OAKS CAPITAL LLC Acct # 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.

18 USC 1028A- Aggravated Identity Theft ( A ) OFFENSES. 

( XXXX ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

( XXXX ) XXXX XXXX. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: EQUIFAX, INC.
State: PA
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 spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They made foreclosure date is on XXXX. 
They told me that Reapply Request Mortgage Assistance Program. 
So we reapplied. 
They never requested of documents. 
So I called 4times on this month. 
Every agents told me different story. 
They waiting until on XXXX. 
Sent all of documents. 
I called on this morning but They loss mitigation option denied again. 
We told them, we can approve of Job, paystubs. 

But they are never contacted with us, they don't give us retention Chance. 
We couldn't never contacted Relationship manager. 
And lie to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have held multiple high-interest savings accounts with CapitalOne XXXX XXXX Bank XXXX XXXX ING Direct ) for more than a decade. All were opened as high-interest savings accounts under ING Direct and XXXX to CapitalOne XXXX Savings accounts when CapitalOne acquired ING Direct. As general interest rates went down, the interest rate on these accounts also went down, as expected. But when interest rates went up, instead of raising rates on these high-yield savings accounts, CapitalOne created a new class of accounts ( " CapitalOne XXXX XXXX XXXX '' ) and advertised higher rates ( 4.1 % at this time ), but left the existing XXXX XXXX accounts marooned at low-yield rates ( 0.3 % at this time ). I am writing to complain about this deceptive bait-and-switch. I have held thousands of dollars in savings with CapitalOne with the understanding and expectation that these accounts would continue to be high-yield. When I called customer service, they advised me to open new accounts and transfer funds, which I did. But that does not address the deceptive practices of CapitalOne, which cost me substantial interest over an extended period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: S&S Physician Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am filing this complaint because a collection agency ( XXXX XXXX XXXX   ) reported a collection account on my credit report that I completely disagree with. I don't acknowledge this account. I sent this agency 2 dispute letters by certified mail in an effort to resolve this matter. I demanded proof of the debt that they claimed was mine. They were unable to produce any documents that proved that I agreed to any debt. These letters were sent on XX/XX/18 and XX/XX/18 by certified mail which I have all the reciepts. XXXX XXXX XXXX failed to provide any actual proof that I agreed to pay this alleged debt. They never responded back to my 2nd certified letter, and now 3 1/2 months later they have placed this unverified account on my credit report with no proof. I demand that they remove this credit account from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
XXXX - XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i don't want to lose my car its all i have for my family ive been struggling with health issues i've had XXXX 3xs and it has really affected me in performing work duties ive had part time jobs and not making enough please help me keep my car so i can keep looking for work and keep on going and so i'm able to take my children to summer school and i'm able to maintain with my daily activities with my XXXX children im a XXXX XXXX  whom has gave all my strength to maintain a living and no matter how i fill i still give it my best to wake up and live a better day and put a smile on my children faces i lost my job recently do to labor shut down and over stacked in employees. so they laid me off and im back to stage one my stress and XXXX and heath issues really bring my life down but like i said earlier i'm trying to keep my head up and going out there looking for work so i can maintain a living and a life im given please help me keep my car. i dont want to lose it thank you and XXXXXXXX XXXX you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2019-08-09
Company: Superior Adjustment, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made payments, yet you report that I am " past due, '' you report " terms, '' when no terms were set, you decrease, then increase, the amount reported to the credit bureaus. You have even gone so far as to place paid in full accounts back on my credit report. I'm XXXX XXXX. Is this how you get your kicks? I honestly do not understand how you're permitted to report anything. 
Your actions have cost you as of late. I don't feel sorry for you. Report accurate info. It can't take any more effort than you are already expending when you report false info. 
Btw, I have zero debt with you. You are merely agents for the companies that I owe. I don't pay you anything. I pay them. They do not consider me late and certainly can do math to determine what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX  XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( 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 2023-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 - I called XXXX, Equifax, and XXXX to have old address that were undeliverable removed and theyre still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a kabbage  checking account ( AMEX ) and have only made deposits into it. 
It pays 1.1 % APY interest. 
On XX/XX/XXXX was paid 77.23 interest On XX/XX/XXXX deposited XXXX On XX/XX/XXXX was paid 77.11 interest. 

Normally under these conditions the interest increases. 
Looks like! ) Fraud in Advertising or 2 ) Messy software or 3 ) Someone is cashing in ... .. ( have you seen the movie office space?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax fails to validate or remove false inquiries on my report within the legal time of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

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 2019-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX {$760.00} EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$960.00} - None provided - XXXX XX/XX/XXXX {$110.00} - None provided - XXXX XX/XX/XXXX {$180.00} - None provided - XXXX XX/XX/XXXX {$350.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$150.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
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:
When I received my credit report, I was disappointed to learn that the following incorrect and fraudulent things were still there, despite the fact that I had informed you that they were the result of identity theft. To help me fix my credit record, I'd like you to erase the entries indicated in my letter as soon as possible.

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