BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a savings account with Alliant Credit Union ( ACU ) ; didn't hear back and then received a letter in the mail stating my application was denied - Alliant used my personal confidential information and pulled my credit but claimed they could not access my XXXX. So, I applied for a savings account again with Alliant Credit Union and provided my California XXXX REAL ID driver license, DOD Military ID, Department of Veteran Affairs issued ID, United States passport book and Phone bill again ; to verify my name, date of birth, address and identity. Alliant Credit Union then asked for access to my XXXX again. I lifted the freeze again. Alliant Credit Union asked for me to lift my XXXX for a third time and XXXX credit bureau ( have two inquires now ) - I lifted the freezes again. After accessing my credit reports, and XXXX several times - Alliant asked me for a copy of my social security card however could not provide me with a reason as to why. When I asked if I was put through the same process as other new applicants the answer was no. Alliant perception is bias and implied that I am a 'fraudster ' based on my characteristics as a single, forty year old, 100 % XXXX Veteran and woman of XXXX. I am a US Citizen - born in Massachusetts. 
Alliant is forcing me to provide a copy of my social security card ( without cause ) or my savings account application will be denied.

Why, does Alliant Credit Union want a signed copy of my social security card? With regard to identity theft, what will Alliant do with a copy of my social security card and use it for? What statute requires that I must provide a copy of my signed social security card to Allied Credit Union in order to open a savings account? Why is Alliant Credit Union putting me through different processes as everyone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: CO
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 have not authorized anyone to report anything on my credit report and it keeps getting worse! 
Remove all former addresses Negative remarks I have not authorized anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported.

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( 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 Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

EXPERIAN IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

EXPERIAN IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIGHT TO PRIVACY AS THE CONSUMER.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

EXPERIAN HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

EXPERIAN WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my car in XX/XX/XXXX. XXXX chg my payment history 8 months later in XX/XX/XXXX. I dont show I was delinquent on any of my credit reports or documents. Why report on my loan for payments 3 years ago, 8 months after payoff. I need it corrected

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 2020-08-08
Company: MacDowell & Associates, Ltd.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
After a repo, the lawyers doing collectios for the car company coerced me into signing a very vague Entry of Judgement by Stipulation by threatening to garnish our wages and which didn't disclose rates, or other important credit info. After 5 years of payments, ( {$150.00} a month ) I tried to contact them because I needed an extension of time due to being laid off. Instead they refused to talk, and then sent a letter of default which I never received. They immediately filed the entry of judgement by stipulation and assessed an additional XXXX to the account without even telling me this had been done or more importantly how it was done, or even explaining my rights. When we were notified of the judgement, we called and asked what we needed to do, and they asked for {$1000.00} in order to bring the amount current, and provided no disclosures of the extension of the term, additional charges, etc. When we asked for documentation to figure out when would this payment plan be done, the company repeatedly failed to comply on explanations of fees, checked our credit again, removed notes from credit report, and made not attempt to adjust the balance, that had been inflated by the filing of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2023-06-27
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-10-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear. CFPB My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It show incorrect inquiry on my credit reports. 
Please remove list on my credit reports ASAP. 


XXXX XXXX XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX XXXX Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : XXXX XX/XX/2023 XXXX XXXX XXXXXXXX - Auto Loan Inquiry Alert from : 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 2020-08-08
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ),  XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COMMONWEALTH FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initially contacted the CFPB on XX/XX/XXXX regarding an ongoing dispute with Discover. I have provided substantiative documentation from the company stating that I would be refunded for the charge and the third party company is refusing to refund the charge. 

My initial complaint to CFBP re : XXXX stated : " I placed a reservation for the XXXX in XXXX XXXX XXXX AL. The room I reserved was a studio with an attached room with 2 bunk beds and the main room had a king size bed. The room was advertised as having premium ammenities including premium bedding, and black out curtains. The curtains in the room were broken and the bedding was shredded/torn. The toilet was broken and the shower was not working upon arriving. I called several times to the front desk and was not offered a replacement room. Maintenance was sent up to the room to repair the toilet and curtains but nothing else. We discovered the air was not working in the second room in the middle of the night and ended up leaving because it was so hot in the room. We explained to guest checkout what had happened and why we were leaving. I was advised by a portly XXXX  haired woman working XX/XX/XXXX around XXXX that we would be receiving a refund in full and that she was refunding the other charges made while staying there. The other charges were refunded however the charge for the hotel was not refunded. When I contacted XXXX to explain what was going on they said they would not contact the hotel. I attempted to escalate with XXXX to no avail. I then proceeded to dispute the charge with my bank Discover. They provided proof that the charge was valid in the form of an online screenshot showing the booking. However the charge has not been refunded. The service I paid for was not rendered. The room was not in a habitable condition. '' The case was closed by CFPB as the company responded they were still investigating the case. The case was closed XX/XX/XXXX and was again charged back to my account I submitted documentation I received from the hotel stating they authorized a full refund to the third party vendor XXXX for the charges at XXXX XXXX. I have not received a refund, I have been recharged by XXXX again. I have had no additional correspondence with Discover only a surprise charge against my account. Discover is engaging in unethical billing practices and not investigating the claim or even corresponding with me. I am continuing to ask for this unathorized charge to be removed. I did not authorize this charge. I am uploading a copy of the letter from the XXXX that states the charge should have been refunded. I do not know what more I can provide to prove this was not authorized. At this point this is a fraudulent charge by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a payment via XXXX XXXX at XXXX on XX/XX/XXXX, that was intended as a principal only payment. Santander applied {$120.00} to interest and {$270.00} to fees. I have no issue with the amount applied to interest ; however, I requested the {$270.00} to be applied to the principal balance or to the next payment but they refused. 

I am aware of the unlawful repossession fees they charged to me on the loan. I spoke with someone regarding a payment arrangement that was accepted and they repossessed the vehicle anyway. When I advised they could keep the vehicle, they gave the vehicle back for the same amount of the agreed-upon payment arrangement. This was in XXXX or XXXX and these fees have been on the account since that time and can remain there until the end of the loan. Please see the attached transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX was taken from my savings account by navy federal to pay off an account they say that I am the joint owner on. Since they say I was the joint owner and not the account holder, they didnt have to send me any correspondence regarding default on the account, or that they would take money from my savings, not my checking but my savings account to pay for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX  XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXX XXXX  XXXX. Any information contrary to my name and address is incorrect and should be removed.

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 2021-03-31
Company: Experian Information Solutions 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:
I have filed a complaint in XXXX XXXX Superior Court case XXXX, Plantiff XXXX XXXX, Defendant XXXX  ( in the employ of XXXX ). I have made complaints to XXXX and XXXX since early XX/XX/XXXX, that they are incorrectly reporting lates on my account XXXX & XXXX. 

XXXX et al - have been ignoring me ( XXXX XXXX ) and coming up with one excuse after another for 6 months,

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