BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: MA
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:
am writing to file a formal complaint against XXXX XXXX  for their alleged violation of 15 USC 6802, 16 CFR 313.7, FDCPA 807,808,809, and MGL Chapter 93A section 2. I believe that their actions have infringed upon my rights as a consumer and have caused significant financial and emotional distress. 

I entered into a credit card agreement with XXXX XXXX  on XX/XX/22. However, since the inception of this agreement, I have encountered numerous issues that have left me deeply dissatisfied and concerned about their compliance with federal and state regulations. 

Firstly, XXXX XXXX  has failed to provide me with clear and concise information regarding the collection, use, and disclosure of my personal information, as required by 15 USC 6802. Despite my repeated requests for a detailed explanation of how my personal information is being handled, they have been evasive and non-responsive. This lack of transparency raises serious concerns about the security and privacy of my personal data. 

Furthermore, I have reason to believe that XXXX XXXX  has engaged in unfair and deceptive practices, in violation of 16 CFR 313.7. They have consistently misrepresented the terms and conditions of the credit card agreement, leading to confusion and financial harm on my part. Additionally, their customer service representatives have been unhelpful and dismissive when I have sought clarification or resolution for these issues. 

Moreover, XXXX XXXX  has engaged in aggressive debt collection practices, which have caused me significant emotional distressThese actions are not only in violation of federal regulations, such as FDCPA XXXX, but also demonstrate a complete disregard for consumer rights and fair debt collection practices. 

Additionally, I believe that XXXX XXXX  's actions may also be in violation of MGL Chapter 93A section 2, which prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce. Their failure to provide accurate and transparent information, as well as their aggressive debt collection practices, may constitute a violation of this state law.

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against XXXX XXXX. I believe that their actions have not only harmed me personally but may also be indicative of a broader pattern of non-compliance with federal and state regulations. 

I would appreciate your assistance in resolving this matter and ensuring that XXXX XXXX  is held accountable for their actions. Please find attached copies of relevant documents, including the correspondence with XXXX XXXX, and any other supporting evidence. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There was so little time in between the release of new information about the new student loan repayment plans and the deadline for requesting refunds for payments made during forbearance that Nelnet was not able to keep up with the extremely high number of calls from people requesting refunds. Therefore numerous people were left on hold for hours on XX/XX/XXXX and were unable to get through to request the refund on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The branch manager that open my business checking account ( account number XXXX ) for PNC Bank, XXXX XXXX, please see her information details below placed a hold on my business checking account and will not release my Funds.even though the letter from Bank stated please see attachment that my phones would be released by the seventh still until now has not been released and every time I visit the branch all the branch managers avoid me. 

XXXX XXXX Assistant Manager Business Banking Center NMLS IDXXXX PNC BANK XXXX XXXX XXXX XXXX , Virginia XXXX T XXXX F XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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 have a Bank of America Preferred Rewards Credit Card. 
On XXXX I used the credit card to book a zip line tour at XXXX XXXX XXXX ( located in XXXX XXXX, XXXX XXXX XXXX ; the amount is {$450.00}. The company whose billed my credit cart has the name XXXX XXXX XXXX XXXX. The following day I received a news that my flight from XXXX to XXXX XXXX was cancelled due to weather issue. As a result, I immediately inform XXXX XXXX XXXX to cancel my tour and they agreed to refund 50 % of the amount, totalling {$220.00} ( please see the attachment for the cancellation agreement ). For some reason, on XX/XX/2023, they made XXXX refund transactions ; each in the amount of {$220.00} and I thought they went above and beyond to resolve my issue. However, on XX/XX/2023, they billed me again with XXXX transactions ; each in the amount of {$220.00}. As a result I'm at net loss of {$450.00}. 
Up till now and despite many attempts with both the mercant and my credit card company, I still haven't received the promised refund.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
Accounts listed on my consumer report are associated with identity theft. I never gave written consent, including an original signature, for these to be added. I've previously reached out to your organization concerning this issue. I now formally urge you to swiftly block and delete these accounts from my report. Their presence, misrepresenting my credit history, has inflicted emotional and financial harm. Failure to address this matter may compel me to seek legal remedies. These erroneous entries have directly impacted my financial aspirations, including home ownership and fulfilling my family 's needs.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hello, I applied for a potential loan mortgage through my bank to see what options I had. In order to do this they had to run a credit check. After the credit check I found out Trans Union Llc shared my information with third parties without my consent or providing me any type of opt out notice. This was not my banks fault but Trans Union not adhering to compliance regulations. I have submitted a complaint to the XXXX  which got me on the opt out list but it is too late. I have been receiving upwards of 60 phone calls a day from multiple lenders along with unsolicited text messages as well. If my research is correct Trans Union is in violation of CAN SPAM regulations. These unsolicited calls and text have caused distractions from my business and personal life. I want to see Trans Union held liable for these violations of compliance and regulations. With Trans Union being a credit reporting agency they should even be held to a higher standard and not share consumers information with any third party without proper consent from the business in which the consumer is using.

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 2023-10-11
Company: EQUIFAX, INC.
State: IL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, XXXX, XXXX the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with XXXX 's, XXXX and Transunion reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and Transition complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

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 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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

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 2023-03-31
Company: Experian Information Solutions Inc.
State: SC
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, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; 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 2023-03-31
Company: Experian Information Solutions Inc.
State: NC
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer with Wells Fargo since about XXXX, having a personal checking as well as a savings account with them. 
around XXXX I was talked into opening business accounts with them. it's not that I was young at the time, but I was not savvy as to why that would benefit me. the young fellow working at the bank spun it to sound like it was needed. 
the XXXX new accounts, a business checking and business savings accounts have monthly charges of {$30.00}. I have never received any account protection, or special services for these fees. in fact, as memory serves, I have paid overdraft fees on more than a few instances while having these accounts. so what is the purpose of having my money in an account I am paying monthly fees for if I am not receiving any benefits?? 

I feel as if I were conned by this bank employee into a situation where the bank is making money of their customer, me. 

the reason I am here, writing this report is that their current class action situation has come to my attention I do intend to close the XXXX business accounts and return to my XXXX personal accounts as I am not benefitting from these business accounts and I am in fact paying for ultimately nothing

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