BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wish to express my concern and formally raise a complaint about an inaccurate 30-day late payment report by XXXX XXXX XXXX XXXX. This incorrect reporting has adversely affected my credit score, and I am reaching out to the CFPB to help address and rectify this issue. 

Sequence of Events : XX/XX/XXXX : I initiated an account with XXXX XXXX XXXX XXXX, encompassing a $ 10 monthly subscription and a {$200.00} credit line. I received confirmation that auto-pay would be in effect immediately upon account setup. 

XX/XX/XXXX : To ensure clarity, I engaged with XXXX 's support, who validated the activation of the auto-pay mechanism on my account. 

XX/XX/XXXX : Notably, while the auto-pay did cover the monthly subscription in XX/XX/XXXXXXXX it neglected to address the due payment for the credit line. It is essential to note that this was the sole instance of non-payment over a 12-month period. XXXX did not notify me or provide reasons for this omission. My bank records affirm the monthly subscription payment and show no debit attempts for the credit line. Despite available funds and XXXX 's terms stipulating repeated payment attempts in case of initial failure, no such efforts were made on their part. 

XX/XX/XXXX : A subsequent review of my credit revealed a decline of XXXX points, attributable to XXXX XXXX 30-day late payment report a report which conflicts with the auto-pay assurances given by XXXX 

Impact and Expected Resolution : This incorrect report shifted my credit category from " Good '' to " Fair '', compromising my financial credibility and opportunities. Such misinformation is not only concerning but also jeopardizes my long-term financial stability. 

In light of the above, I kindly request the CFPB to : Advocate for the removal of the incorrect 30-day late payment report on my credit file. 
Encourage XXXX XXXXXXXX XXXX XXXX  to assess and refine their auto-pay system, ensuring future reliability. 
Seek a formal written acknowledgment and apology from XXXX XXXX XXXX XXXX for the oversight and its potential implications. 
I have attached pertinent documents, including interactions with XXXX and the credit report indicating the error, for your consideration. 

Your efforts in aiding resolution and ensuring consumer rights remain safeguarded are greatly valued. I eagerly await a positive outcome.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

All accounts closed or charged off or negative on my credit report are not accurate.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2021-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage help on XX/XX/XXXX, SPS servicing continues to request the same documents on several occasion, I contact them to inform them the docs have been submitted and then SPS claims the application can not be processed until the documents are provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it

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 2023-07-20
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:
XXXX XXXX XXXX  pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called XXXX they told me they dont take off inquiries these are mine I was removed off my credit.

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 2021-04-20
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 recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of XXXX XXXX. I contacted XXXX, equifax and XXXX regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Investigation took more than 30 days

Complaint:
I WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit 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 2022-05-03
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Atlantic Credit & Finance, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
To whom it may concern, on multiple occasions I have been contacted by both Atlantic Credit & Finance Special Finance Unit,  LLC ( ACFSF ) as well as their counter partners XXXX XXXX XXXX, XXXX. ( XXXX ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by ACFSF, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from ACFSF, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for ACFSF asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ).  These communications with ACFSF transpire within the first two weeks of being contacted by their office.

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by ACFSF, along with their counter partners XXXX, in XXXX county circuit court of  Illinois. On XX/XX/2014, a judgment was entered in favor of ACFSF. The judgment has now provided both ACFSF and XXXX, the ability to garnish my pay checks as a result this phantom debt created by ACFSF and enforced with XXXX. 
Im seeking assistance from the CFPB, to place an inquiry into both ACFSF and XXXX actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. 

I implore your office to take immediate action in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 made a request to rent an apartment to a corporation XXXX XXXX XXXX. I let them know that my credit bureau was FROZEN and that they would let me know to unblock it. 

Today I received information that they now had access to my COMPLETE credit history. I called TRANS UNION and the representative told me that this was impossible, that no one can have access to my COMPLETE credit bureau, since it was FROZEN. 

I attach as evidence the document that describes that they did have access to my COMPLETE credit history and that the FREEZE function does not work. 

XXXX XXXX XXXX via XXXX. XXXX XX/XX/XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The representative told me that this is impossible and that she should send the evidence. Then the call hung up and I couldn't get through to TRANS Union anymore. I do it this way so that it is well investigated how TransUnion allows any company to have FULL access to my credit history. 

Why does TransUnion allow another company to come and access my complete history while my credit is FROZEN? I believe this is illegal and they should take action.

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 2023-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Awhile ago, I suspected someone or maybe more than one individual having access to my account at USAA, withdrawing/embezzling money from my account. I contacted USAA regarding and asked them to do a total review of my account given that. Additionally, the NSF fees were, at times, being applied erroneously in which USAA corrected. USAA was fined, not long ago, for fee issues and the like. Over the past year, I have large deposits into my checking account from EEO/discrimination cases with the Federal Government ( i.e. {$78000.00}, {$49000.00} and {$27000.00} ). I know that I have expenses and bills, but I also receive deposits per retirement from the VA and OPM. I suspect that my money is being mishandled or removed from my account by someone who is dishonest in their efforts. I want to ensure that this is not, in fact, the case given the fines USAA has faced. I have been a member of USAA Federal Savings Bank for 22 years and I am sure that this request ( total review of my checking account ending in XXXX ) can be done to ensure money is not being stolen. While I value USAA as a business entity, as a XXXX veteran and a single parent, I must look out for myself, as the money deposited has gotten missing quite fast and I just want to ensure that it is nothing illegal occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Bank over charging for drafts and fees .. not getting full deposit credits

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 2021-03-22
Company: EQUIFAX, INC.
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2019-09-28
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I applied for a refinance on my current mortgage with Nationstar d/b/a Mr. Cooper, I wanted to take out {$100000.00} cash. 

After several months of back and forth e-mails submitting all the requested documents in a timely manner, with the loan processor, XXXX XXXX, it was like pulling teeth to get the status of my loan. Every time I went into the Mr. Cooper site, all I would see was " In review, '' and the closing date kept being pushed back about six times, maybe more. I would call Ms. XXXX or send an e-mail and she didn't know what the hold up was, and that she would send them a message. 

Three month 's later, I finally get the message that my loan has been approved, but I still had to submit more documents, namely my insurance information. The whole process has been a nightmare dealing with Mr. Cooper, but still I submitted what was asked for. 

After yet another e-mail, in which I initiated, I finally get an e-mail that she was going to try to set up the closing on Wednesday, XX/XX/XXXX or Thursday the XX/XX/XXXX. 

I was super excited, the long-awaited day is finally here. The notary public arrived at XXXX with documents ready to be signed. Much to my surprise the amount on the document was about half of the {$100000.00} I requested! The Notary calls the attorney who told me that I can sign for the {$58000.00} and Mr. Cooper can submit the corrected documents, or not sign ... I said I am not signing anything, because that's not the amount I requested. Nobody told me that the loan amount was going to be significantly reduced. 

I contacted Ms. XXXX, and she acted surprised and didn't have a clue on what happened. She went back into my account and said " Oh I see that in XXXX they reduced it '' ... a long pregnant pause ... but that she did not know why it was reduced. She would have XXXX XXXX, the person who initiated the loan call me. 

Mr. XXXX called me and informed me that Ms. XXXX should have disclosed the fact that I could not borrow more than 70 % of what I owe on the loan ... that If I still wanted the XXXX it would be at a much higher rate, which was never given to me as an option. I told him she never did and she acted surprised. I told him I was furious as I've wasted months trying to secure this loan and provided everything asked of me and for it to conclude like this was disheartening. I told him that Mr. Cooper did not act in good faith and that I was going to file a complaint. He said he would have his supervisor " XXXX '' call me the next day. I have not heard from anyone to try to resolve this very unfortunate situation. And now I'm left in a terrible bind, as I needed that money to do some home repairs, buy a new vehicle and pay my son 's tuition.

Company response to consumer: Closed with explanation