BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX 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 an account without my written instruction.

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 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD BANK - Wasted 3 hours of my time on several different phone calls. Different people say different things - but the problem was never resolved It was a ride for me on a merry go round. 

On XXXX I disputed a charge of XXXX. In XXXX i got a letter dated XX/XX/XXXX from the dispute department saying it was resolved in my favor and a credit was applied to my account. NEVER HAPPENED. 

Called - and was told it would be taken care in 7 business days by XXXX in the dispute department and it took more than an hour- to get to them. NEVER HAPPENED. 

called XX/XX/XXXX XXXX said it was not to be found. - another half hour. 
XX/XX/XXXX, closed the account and was told the XXXX would be sent to me. 
called XX/XX/XXXX XXXX- in Credit cards to XXXX in dispute to XXXX the obnoxious toad in customer service. The merry go round went around but - no {$14.00} The ladies were very nice and polite. But XXXX is discouragement for people to use TD Bank. which will die to lack of customers and incompetence of staff. 

I used TD Bank from when it was XXXX Bank. This never would have happened then, decades ago. Now I would never trust TD Bank - if they XXXX up with small numbers they would probably do worse with large amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-05-27
Company: EQUIFAX, 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 XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 an account without my written instructions.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused XXXX XXXX and damage and also has caused damage to my reputation.

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 2022-02-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My problem : Truist Bank has not yet reimbursed me my money that was stolen by fraudulent transaction at Truist Bank. 

This is what I was told by my banker, XXXX XXXX, at the Truist Bank in XXXX : On XX/XX/2021 somebody, who presented himself as XXXX XXXX, using a fake FL Driver 's License came to the Truist Bank Branch in XXXX, PA. He gave the bank a XXXX XXXX  check written in my name and endorsed in my name. In exchange, he received {$3500.00} in cash. It seems he knew my checking account number. Several days later, when Truist tried to get the funds from XXXX, they found that the XXXX account was closed. 

It seems that Truist Bank assumed that I had deposited the check and sent me a letter with a copy of the check. In addition, they charged me {$12.00} penalty. 
I got this letter late on Friday, XX/XX/2021. During the weekend when I checked Truist 's automatic phone there was nothing about the transaction. 

On Monday, XX/XX/2021, I went to my Truist Bank Branch in XXXX and met with XXXX XXXX. It became clear that this was a case of fraud. She immediately froze my old account and opened a new one. I filled out and signed all the relevant forms and the case was transferred to the Truist Fraud Department. 
I was told initially that I would get the money ( $ XXXX ) refunded within several days. It is now more than XXXX months later and I have not received anything. 

We talked by phone with the Truist 's Fraud Department, but they would not commit to any date when I could get my money back. 

This is a clear case of fraud. Truist Bank is at fault. 

I ask that Truist Bank should reimburse me the full sum as soon as possible. 
Thank you, 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 monetary relief
Consumer complaint received 2022-05-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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 am a victim of Identity theft and I have reached out to XXXX, XXXX and XXXX and the companies have yet removed the inaccurate information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chat with XXXX XXXX  that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ; ( iv ) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer ; ( vi ) An electronic fund transfer not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https : XXXX # a ) or ( vii ) The consumer 's request for documentation required by 1005.9 ( https : XXXX ) or 1005.10 ( a ) ( https : XXXX # a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. Account Agrement Section ( iii ) electronic bank Section 1., F and Section 4 of the overdraft protection agreement gives I/we the right to revoke and or Modify. Section Article 1 of the PA State Constitution, Common Law Tort Invasion of Privacy intrusion upon seclusion, Unfair Trades and Prectices Act and applicable case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breech of contract!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the last 36 months I have tried to modify an existing loan with Select Portfolio Servicing, Inc, XXXX XXXX XXXX, UT. Exorbitant costs associated with owning the property and the hit by Covid 19 contributed to the request for loan 'modification. ' A hardship letter was sent many times to SPS. The company has consistently applied deceptive financial practices, promising a " modification '' and actually stating many times in writing that a " completed mortgage assistance program '' was approved and in existence ( last date was XX/XX/XXXX ). Yet a short time later, the company requests more documents be sent to complete the process. A deadline for additional needed documents was given ( this same information had been submitted and received by the company countless times before ). In this case, a copy of a social security card was requested by XX/XX/XXXX. Said social security card copy was " faxed '' and received by the company on XX/XX/XXXX ( documented in fax receipt ). A loss/mitigation specialist was employed by us, by the name of XXXX XXXX XXXX XXXX This advocate had been working this case since XXXX ( while I, the actual loan borrower, had asked for a modification from SPS the year ( XXXX ) prior to that ). In both cases, SPS dragged on and on requesting the same exact information over and over again ( which prompted me to hire an advocate in the first place ). XXXX XXXX XXXX also faxed a copy of the final requested social security card document XX/XX/XXXX. By XX/XX/XXXX SPS provided no resolution to either of us and sent a letter stating that since 30 days had lapsed with no activity, it was withdrawing the mortgage assistance program but to feel free to apply for a " modification. '' What did SPS think we were doing all this time? The loan under SPS does not fall under the usual XXXX federal guidelines. SPS has employed deceptive financial practices. As of XXXX, XXXX, XXXX the advocate asked SPS representative what the " servicer guidelines are for modification? '' The SPS representative answered that if the client is " current in mortgage payments '' they are not eligible for modification! SPS will not honor the fact the documents were submitted in a timely manner to them. So while I am experiencing financial hardship and need help ; SPS will not give it if I keep paying the loan. Yet SPS puts in writing ( XXXX ) that the consumer can apply for a " modification. '' For over 36 months SPS has requested redundant documents, delaying the process, while lying about whether the modification was possible or would ever be approved unless the loan was in default. Not only have years of our lives and financial health been impacted, but SPS has performed malfeasance in its treatment of our modification application process. We have proof and written documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
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:
Companies : XXXX and XXXX Wells Fargo XXXX : XXXX XXXX Loan XXXX Wells Fargo Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : XXXX shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted Wells Fargo on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, XXXX representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called XXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at XXXX made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to Equifax Information Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company response to consumer: Closed with non-monetary relief