BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of 2002 . This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 usc 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.

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 2022-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started the process to removal PMI in XXXX, 2022. Paid for an appraisal. Appraiser made several errors on the appraisal and we were denied. We were XXXX away from qualifying for the removal. I contacted Wells Fargo whom told me I can dispute the appraisal due to the errors but I was only allowed one dispute. This was not my error and so only being allowed one dispute makes no sense. In addition when completing the dispute form I had to provide comps which had already been provided by the appraiser weeks prior. I was told that the comps I provided could not be used but I am not familiar with how to do this. The comps that I provided came from my realtor. Ordered another appraisal which came back the same price but was not given a copy of new appraisal which should have included all significant improvements. When questioned Wells Fargo told me the improvements that we submitted were not considered improvements.These included thousands of dollars of improvements that were listed on original inspection when we purchased the home. We are seeking a resolution. We want our PMI removed as we are very close and the representatives of Wells Fargo are of no help as they had never had this happen before. They did not know how to handle this situation.Many consumers XXXX just accept this decision but we do not as there were so many errors and mishandling of our request.

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 2023-06-05
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: Investigation took more than 30 days

Complaint:
I mailed a third section 609 dispute letter to Transunion on XX/XX/2023 for XXXX accounts, " XXXX XXXX XXXX. ", " XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & " XXXX XXXX ''. It's been over 30 days and the matter has not gotten resolved. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that this item was being " reported correctly ''. But they did not provide me a response within 30 days nor did that respond have any documentation that verifies the information. Once again, it has been way over 30 days for this third letter with no response. Credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} Bankruptcy XXXX  XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : 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 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

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 2018-10-26
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I withdrew XXXX dollars from an ATM. I accidentally hit check my account balance prior to withdrawing the money. Only through diligently checking my online account balance did I notice I was charged three ( 3 ) fees for that transaction. {$2.00} ATP fee paid to the ATM company. A {$3.00} fee paid to TD bank for balance inquiry and a {$3.00} fee paid to TD Bank for using a non-TD bank ATM. The balance inquiry fee was given without notice. 

It's bad enough to have to pay my bank to use another ATM to get my own cash that they're making money off of, but to pay a fee to see my balance without that fee being disclosed is ridiculous. I called TD Bank on XX/XX/2018 to question them about this and initially the TD Bank representative told me that the {$3.00} balance inquiry fee was not from TD bank it was a fee paid to the ATM owner. Only after stating that this was not true and the ATM could not charge me fees without disclosure did the representative acknowledge that the {$3.00} dollar ATM fee and the {$3.00} balance inquiry fee were charged by TD Bank. 

The representative did check to see if I could be refunded the {$3.00} but the call was disconnected prior to any resolution. I know a class action lawsuit was filed and won against TD Bank for charging superfluous fees. It seems like they're back at it again. I felt it my duty to bring this to light to prevent TD bank from stealing millions of dollars in fees from their customers. I'm sure that this complaint won't bring about any change but hopefully it's a beginning and I'm sure that I'm not the only one who's filed one against TD Bank for this reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX/XXXX/2021 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 being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hand of the wrong person.

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 2023-06-05
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX Account # XXXXXXXX XXXX Account # 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 a 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 2023-05-10
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:
I have contacted the credit bureau XXXX XXXX to let them know that the public record that they are reporting on my credit file does not belong to me. They are reporting a bankruptcy for someone with the last name spelled XXXX, my last name is spelled XXXX. Please remove the inaccurate record from my credit profile I am attaching proof of the spelling of my name which shows proof that the file doesn't belong to me.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : XXXX : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted on XX/XX/2022 by the Citibank fraud department about an unauthorized transaction of {$40000.00} which occurred on XX/XX/2022. ( Citi Fraud case # XXXX ). I confirmed it was in fact an unauthorized transaction. I was informed that an investigation had begun. I filed a police report and confirmed with my bank that the compromised account was blocked as a precaution. I promptly handled my compromised account on XX/XX/2022 at my local branch. I was instructed to submit a notarized affidavit stating that I wasnt aware of and did not initiate any of the transactions either internal or the external wire, which, with the help of my local branch manager, I submitted on XX/XX/2022 ( affidavit attached ). I have also filed a police report, a copy of which is attached to this email. 

Today, XX/XX/2022, is the 14th business day since I was informed of the fraud and that an investigation was underway.

Per Reg E -11, the 10 day investigation period has expired.

Per Reg E- 11, " The institution shall report the results to the consumer within three business days after completing its investigation. '' Today is the fourth business day following the 10 day investigation period. 

I have requested the bank to provide me the results of the investigation by the end of business yesterday. - NOT RECEIVED I have also requested the bank as provided by Reg E- 11, along with the written explanation of Citibank 's findings, to please provide all documents that Citibank relied on in making its determination. - NOT RECEIVED Please return the {$40000.00} to my account by the end of business yesterday. - NOT RECEIVED If the investigation has not finished and Citibank has met the requirements to extend to the allowed 45-day investigation period, my account should be provisionally credited by close of business today, as provided by Reg E-11. I understand that Citibank may withhold a maximum of {$50.00} from the amount credited. NOT RECEIVED Not only has Citibank done any of the above, they have not responded to any of my emails with any substantive information. 

I have written to the CEO as well but nothing has come out of that interaction yet.

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 2022-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My phone was compromised by XXXX XXXX XXXX around XXXX of XXXX. He got into my email, my bank accounts ( USAA, XXXX XXXX ) including payment platforms and my cell service accounts. He used my phone and number and other identification to order 5 phones on my XXXX XXXX. He used my XXXX XXXX  and USAA credit card accounts for various activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TD BANK US HOLDING COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
in XXXX my XXXX  credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX  requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!

Company response to consumer: Closed with explanation