BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
NFCU denied my application for a business credit card after 2 months in review for 2 reasons : credit score below cut off and delinquent credit history. Id be fine with these reasons if they had even the smallest connection to reality, but these are totally false! My credit report is flawless and mentions no delinquent payments, just like my credit score which is close to XXXX points. I reached out multiple times to the credit union in-branch , over the phone and through in-app messaging asking for an explanation. NFCU provided no explanation whatsoever about what the true denial reasons are, provided no copy of the credit report which they used as a basis for their decision and made zero efforts to resolve my concern. NFCUs incompetence in this matter is frightening because it instills deep distrust in their financial organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been 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 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 XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CREDIT MGMT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MGMT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MGMT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

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 2017-09-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a letter to FDIC which was forwarded to your Bureau. I was promised that you would let me know the companies response but you failed to do this. I called someone in your Bureau who told me she would sent me a hard copy of the companies response but it never arrived. Further you closed my Complaint file without ever responding to my request for the companies response. So far there is no resolution to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed five inquiries on my TransUnion report that are not mine..I have requested for them to be removed but have not heard back on the matter as of yet..the listed below are the five inquiries.. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-12-13
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2016. XX/XX/2015. XX/XX/2015.

I have a US bank secured credit card. I went through financial hardship and was late on making a few payments on the above dates. I have been perfect otherwise, as the records show.

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 2018-04-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2019-12-02
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX I was notified by XXXX XXXX that there was a hard inquiry from XXXX XXXX XXXX XXXX , XXXX on my Equifax report. This is a fraudulent inquiry as I did not sign up for XXXX XXXX XXXX XXXX or have anything to do with this. I completed an online dispute on XX/XX/XXXX Confirmation Number : XXXX. I was never able to check the status of the dispute because Equifax was " unable to locate a credit file ''. XX/XX/XXXX I got married and changed my name. I gave Equifax all of the information over the phone trying to use my maiden name and married name with no success. I had called 4 more times over the course of months until XX/XX/XXXX at the advice of a phone operator I faxed a name change and address update letter. I included my marriage certificate, social security card, driver 's license, and a cover letter. I received a letter from Equifax letting me know that a name has been added to my credit report. I called again as I am unable to log in online to an account that I created and was told that they were still " unable to locate a credit file ''. This is simply untrue. I applied for a mortgage in XXXX and have had 2 credit inquiries from my mortgage company this year. Again on XX/XX/XXXX I submitted another fax to the " Disputes or Freeze Department '' to request access to my online account and to dispute the XXXX XXXX XXXX hard inquiry. This fax included all of my identification information that I had sent in the previous fax. I received a letter sent to my maiden name asking for my social security card and a driver 's license, which I had sent. I feel as if I am out of options dealing with Equifax as they refuse to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: HUNTINGTON NATIONAL BANK, THE
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:
I Noticed Unauthorized Inquiries On My Credit Report. 

Huntington National Bank XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made a payment to Barclays Bank in accordance to UCC 3-603, UCC 3-111 , UCC 3-311. They received the payment on XX/XX/22 via Certified Mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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:
My account with XXXX XXXX services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit 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 2022-09-08
Company: Experian Information Solutions Inc.
State: MD
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 am no able to file a disputed online i am looking over my credit report and I see a item that I would like to dispute.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through XXXX XXXX, XXXX, XXXX Experian never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with Experian removing these fraudellent accounts

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 2022-02-15
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform XXXX, Equifax, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I financed a XXXX XXXX XXXX from American Credit Acceptance. Unfortunately, my unemployment ended in XXXX and I was unable to maintain the payments ( after never missing any payments ). My car was repossessed on XX/XX/XXXX ; this occurred during the Pandemic when the governor announced no vehicles could be repossessed and no tenants could be evicted. When I contacted the company I was not advised I was at risk for repossession. I never received a letter in the mail the car was at risk of being repossessed. The letter I received came after the car was repossessed. The people stole my babies milk out of the car and my tennis shoes. I submitted a letter to your company about this but it was lost unfortunately. I have receipt you received my information; when I followed up it was not in your system. 
The Department of Motor Vehicles has a flag on my registration for driving with no insurance since XXXX. I have asked this company repeatedly to update the information with the motor vehicles and as of the today they still have not. I am facing a {$1900.00} fine. My uncle donated a car to me ; I have to give it back because it is taking so much to update the system. I found a document dated XXXX showing my car was repossessed because I missed XXXX payment. The motor vehicles said the document has to specifically say the car was repossessed on XXXX. I have contacted American Credit Acceptance 5 times for this document ( through phone call and chat ). They keep sending a document showing a sale date for XXXX. 
I'm not sure if the repossession was legal ; however, updating the information with the proper systems should not be this much of a hassle. I have a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX who is a XXXX  in XXXX XXXX  I do not have the time to babysit a company to do there job. Not to mention I need a vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Valor Intelligent Processing, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Valor Intelligent Processing is in violation of the Fair Debt Collection Practices Act. I never gave Valor permission to contact me or use any communication. 

Item XXXXtion of 15 USC 1692f ( 8 ) - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Violation of 15 USC 1692 ( d ) ( 2 ) - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Violation of 15 USC 1692b ( 2 ) - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt Violation of 15 USC 1692b ( 4 ) not communicate by post card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit visa card for a wells fargo checking account. I do n't have a wells fargo checking account.

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 2017-06-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX  XXXX XX/XX/XXXX Loan # XXXX - Santander Bank Dear Sir or Madam, I have contacted Santander and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to Santander and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by Santander states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the Santander Bank NA formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position.
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Please inform XXXX, XXXX, of this change. XXXX has already complied with my request. Many thanks for your help.
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Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/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