BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: LEXISNEXIS
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:
I sent a letter to Lexis Nexis on XX/XX/2021about inaccurate, incorrect information they are reporting to credit reporting agencies. This information was provided to a potential employer and has caused me to not gain employment because of the inaccurate false public information they have on my report. I'm not sure how they were able to provide this inaccurate information becuase I contacted the court and they told me they DO NOT report information to credit reporting or any third parties companies. This is a violation to my right to privacy and I want this information to be deleted from their system and any other agencies such as XXXX, XXXX, and XXXX. This company had no permission to report anything concerning my information. Under the FCRA law no consent is identity theft. It is not fair that you can just snoop around my business that has nothing to do with you. I never asked or gave you my consent written or by mouth to report any of my information. if you fail to comply I will file legal action for XXXX  you have caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MS
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:
XXXX  and Equifax are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid XXXX 2014 to XXXX, CBE group has contacted me twice in the last two years to collect a debit I owed XXXX and paid in full 2 years ago. I went thru my records to find the receipt and date of payment the first time CBE contacted me in XXXX 2014. Now I 've received another notice, but this time they 've added another name to my account, actually they 've added one persons first name with someone else 's last name. Nobodys name was on my XXXX account but mine, and this is a paid account. The second name has my deceased dads first name and my ex husband, of 19years, last name. What kind of scam are they trying?? Collecting on paid accounts and guessing with names being involved that Never was ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notice to all, I know that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives therefor for the surnames/given XXXX, XXXX, and I have appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high creation only, whoever that may be, and I dispose the following facts, so be it, now present. 

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit Credit Acceptance is in violation of 15 usc 1605. ( a ) ( c ). this transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Credit Acceptance did not include my insurance in my finance charge. 

Credit Acceptance has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). XXXX XXXX XXXX cant extend credit to me, nor validate creditor for me, as I'm the natural and original creditor. 

On XX/XX/2016, I went into a finance agreement with my identifying information. During that time I was charged a finance charge, which did not include my insurance, and a {$4000.00} cash payment was taken and not added to my total charge. 

I've tried to settle this with Credit Acceptance for three years and they REFUSE to Abide by the law and my CEASE and Desist letter. They will not accept my affidavit of truth. Instead they use deciftul tactics and send me a bill stating that I requested a bill, which is false. They're committing crimes and using false tactics to ruin my reputation. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above and validating debt as if they're in fact 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 2021-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax XX/XX/2021. I spoke with XXXX. I informed him that I have made several request to obtain a description of the procedure used to verify information listed on my report. I informed him that the information provider contact information was not able to verify what Equifax verified. This prompt me to exercise my rights under FCRA 611 ( a ) ( 7 ), which I have a copy of the law attached for the company 's reference. It clearly states that they have to provide all information used to verify the account. Equifax is required to verify with the provider information and they have not done so, due to me getting different information from the provider of information listed on my report. I disputed XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, Bankruptcy Court-XXXX  and a open account XXXX XXXX XXXX. Equifax received several inquiries from requesting methods used to verify and they have yet to provide that information in which they had 15 days to do so upon my request, according to FCRA Laws which a copy of the law is included in this complaint. The agent said that the procedure of providing this to a consumer is not available. I told him I tried to verify the bankruptcy with the court listed o my report and I couldn't. I told him I told the court what was on my report and they said they did not provide that information to the credit bureau or anyone affiliated with them. He said there was nothing he can do even if it was reported wrong. He told me a third party provided the information and that information came from the court even though I kept telling him I have letter from the court that states that they did not provide the information, which I will attach and send again to the company. I inform him that my report is not complete and that they are illegally reporting unverifiable information, because they have not been in compliance by providing y request in the time allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? Experian responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from EXPERIAN XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE  continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated.     When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated.     They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me.     I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers.     All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Unauthorized transactions on my cash app card. I had two weeks wages taken from my card around {$400.00}. At least 13 transactions came from a XXXX  in New York. In all I had 16 unauthorized transactions that drained my card. The dates that this happened ranged from XX/XX/2021 to XX/XX/2021. First I called the merchants. They said I need to call Cash app. I called Cash app reported all the unauthorized transactions and they said sure you might get your money back in 45 days. I also filed a police report with my local sheriff 's office they said because these transactions were in New York they couldn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing accounts with the bureaus for some time and have received no letters or anything. Its been 7 months, I expected to have seen some updates or letters and have seen nothing. I will attach the last letters I sent but there have been several others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I purchased 2 secured cards they are honoring one but not both ending in XXXX ( not honored ), capital one is causing a lot of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Navy Federal Credit Union refused access to my husband 's account due to a nearly 30 year old debt incurred by his ex-wife. Subsequently, the money was garnished from his account when we questions the validity of the debt. I called Navy Federal 's collection department and spoke with a very rude man who hung up on me. This entire incident was reported to Navy Federal, the representative apologized but said she was unable to assist or have the money returned. I recently learned that their was a civil claim filed against Navy Federal, would this situation warrant legal action on my part?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been unable to work ( XXXX ) for over 5 years. Over a year ago, Navient began to refuse to work with me on any options for loan repayment/forgiveness. I was forced to go into an income-based repayment plan based on my new husband 's income ( poverty-level ). During the time I was in contact with them ( repeatedly ) to avoid default. During that time, they placed a {$150.00} late fee on me. I have been unable to pay that fee. Due to the way this fee was applied, my loan balance is now over {$11000.00} more than the original balance after a year of repayment. Essentially, they have given me an illegal {$11000.00} late payment fee. I have now absolutely no way to repay my loan over my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have overdraft protection and yet the idiots at Bank of America keep charging me an overdraft fee of {$35.00} so as to put my account into the negative. 

I have repeatedly complained in person and by letter and email. But they do nothing to stop this outrageous abuse and harassment!

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 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX capital one on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Capital one on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Aqua Finance, Inc.
State: AZ
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 on XX/XX/XXXX Aqua finance on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX, I mortgaged a building loan through XXXX XXXX and paid off Citizens Bank in full. In XX/XX/XXXX I canceled any and all accounts with Citizens Bank. In XXXX I began receiving bills for fee 's from Citizens. I return their letters stating that I did not have any accounts with their bank. in XX/XX/XXXX, the reason for the statements was clarified with XXXX Bank. They had used a very old payment option and citizens was the bank that was listed. All settled immediately with XXXX and I phoned Citizens asking them why there were charges when there was no account. in XX/XX/XXXX, I asked XXXX to help me deal with Citizens who were beyond awful into abuse, harassment and simply impossible to deal with. XXXX did and the issue was resolved with letter supposedly stating so. A few weeks ago, new charges and new people and the issue was not resolved apparently ; although no one can tell me what who or why. I faxed faxed the letter to the Office of the Chairman and then received another letter stating that the fax did n't arrive in a timely manner ( I did explain that I was XXXX miles from a fax machine and was on way to XXXX New Hampshire for meetings and was now late having taken the call from the bank. The XXXX of this is horrible enough to loosesleep and make me stomach sick. the time and energy has been enormous. I truly want to file a complaint and if possible press charges for abuse and harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX for 9 yrs of my life. My identity was stolen. I keep getting calls from collectors trying to get me to agree to accounts that do n't belong to me and harassing me. Im not going to agree to anything if they dont belong to me. I will go to court if you need me to. But this has make my life a nightmare. Now I have costudy of my daughther and because of my credit I cant get a desent house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: CT
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 no knowledge of this account and i have not conducted any business with the creditor

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 2021-08-04
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
NMAC ( XXXX XXXX XXXX ) On XX/XX/2017 I had to change my checking account number. I had recurring payments set up through NMAC site. I properly changed my checking account info. Nissan failed to afford me the option of re-enrolling in recurring payments. Without having been notified that my recurring payments ceased, I unintentionally missed my XX/XX/17 due date payment. As a result, my payment was 31 days late. Nissan refused to remove the late payment from my credit report, citing that the information provided is accurate and therefore will not be removed. Nissans poorly designed payment platform caused me to miss my payment and I was provided with no reminder or warning that my recurring payment had ceased and needed to be set up again in order to make an on time payment. I am requesting assistance as a consumer due to this unfair and rather negligent practice.

Company response to consumer: Closed with explanation