BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged XXXXXX/XX/XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Professional Claims Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After speaking with a representative over the phone at Professional Claims Bureau, LLC, I called my health insurance plan, XXXX XXXX XXXX, and asked about Account XXXX amount owed, {$870.00} and the additional accounts with the PCB and they said that they never received any claims from XXXX XXXX XXXX. I also did not receive any bills in the mail from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
I called XXXX XXXX XXXX XXXX to inquire about the dates now owned by PCB, and found out that during this time, I was covered by insurance. This hospital also has my health insurance information on file. So there is a mistake. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX, NY XXXX United States The Professional Claims Bureau, LLC is attempting to collect a debt that is not mine. If they would like to resolve this, they should speak with my insurance company if they wish to collect this debt. 

XXXX XXXX XXXX XXXX Plan Member Name : XXXX XXXX XXXX XXXX ID : XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company CBE is calling me about an ex girlfriend of mine who i havnt lived with in 4 and a half years dont know her number dont know where she lives..and told them repeatedly to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/19 I called MoneyLion support to close my accounts and withdraw all of my money.

After waiting on hold for over an hour I opted for a call back. I never received a call back.

Also, on XX/XX/19 I submitted a ticket to MoneyLion support online. 

Three days later on XX/XX/19 XXXX from MoneyLion sent me an email stating that she has cancelled my membership, but can not liquidate the account.

I am still unable to liquidate the account and close it out. The app states that there is an error and to try again later.

I've been calling MoneyLion and sending them emails without any response.

Furthermore, the value of my investment account has dropped significantly since my request to withdraw funds. 

Today XX/XX/19 MoneyLion again withdrew additional funds from my other bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 consent to authorize nor benefit from these account ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I was advised by a vendor that my PNC Visa credit card rejected their recurring credit card charge. I logged into my PNC customer portal and my credit card account was missing. I no longer had access to any of my account information including my monthly credit card statements. This creates a dilemma for me since I signed up for PNC 's paperless service and abruptly I no longer have access to my paperless records. These records are needed for income tax accounting purposes. 

I called PNC and was advised that a hold was placed on my account due to suspected fraudulent transactions. I obviously have no objection to that in light of the rampant fraud currently being perpetrated. 

All I'm requesting is access to my online records so I can download my paperless statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2023, my TransUnion score dropped XXXX points. From XXXX to XXXX with no explanation. The only change that happened was that my XXXX XXXX balance had dropped by 50 %. The only thing that I had done otherwise was to initiate a dispute regarding credit card balances being not reported. I had since tried contacting them via phone, chat, XXXX XXXX, and XXXX chat. Finally connecting with someone on XX/XX/2023, I asked why my score dropped. They could not tell me why and offered no explanation other than I had derogatory accounts and/or late payments all of which where there well before the points drop. They refused to provide me with an answer and asked me to send another request via writing just to be difficult. Over the last two years I have worked diligently to remove undue collections accounts, expand my credit portfolio, and reduce my revolving debt only to have them, once again, cut me down for no apparent reason. This has impacted my ability to first secure employment, and now to handle personal financial matters that place me at a financial disadvantage due to my score. Not my history, not my debt to income ratio, not my payment to income ratio, but just my score. Having reduced my revolving open credit from over 50 % to 6 % does not justify their reducing my score by XXXX points and not having a good or justifiable reason. I want my score to be fairly rated. As you'll see with another bureau, XXXX, I have a XXXX score as of today. In comparison, my TU score should be over 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 2020-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dispute of many transactions Wells Fargo Bank visa Debit card. 
Transactions disputed where denied by bank within 4 hours of claim with zero clarifications on why. Only statement was there was not enough information to justify claim of fraud. 
Wells Fargo Bank Claim Number XXXX There was additional claims added that I did not request by the claims department. 
Previous claims 5 days prior were finalized and deemed company error yet once additional claims where added those additional claims denied. 
0 % fraud liability and denied? Clearly these charges are fraudulent and I demand restitution or will seek legal council.

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 2021-11-28
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS CREDITOR HAS BEGAN SNDING LETTERS STATING THAT I OWE DEBT O AN ACCOUNT I HAVE ABSOLUTLEY NO KNOWKEDGE OF OR HAVE EVER POSSESED AND ACCOUNT WITH THIS CREDITOR. I DEMAND THEY STOP SENDING LETTERS TO MY ADDRESS AND PROCEED WITH REMOVING THIS FRADULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX THESE ACCOUNTS PROVIDED NO CONTRACT OR NO SIGNATURE

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 2022-12-05
Company: EQUIFAX, INC.
State: MD
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX Maryland XXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported a fraud on my social security about an identity theft, which I repoto the relevant authority not only to see those unauthorized transactions on credit reports, both are comnity capital bank, I never apiece for any card from.them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It was court ordered that my ex-husband, XXXX XXXX, was responsible for my out of pocket medical bills. Both XXXX XXXX, and my lawyer at the time, XXXX XXXX, worked out a mutual agreement. They presented it to MEDICAL DATA SYSTEMS. They stated that they would accept the terms, although they honored them. 
XXXX XXXX, paid them IN FULL, according the mutual terms. They stated that it would not be reported to the credit bureau, but there it is. 
I contacted them multiple times, and sent them documents numerous times showing them that they did not agree to the terms. Although it was paid in full, they were deceitful, and rude. It has a XXXX  balance. It doesnt state that it was written off. There is absolutely NOTHING to substantiate their actions.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2021-10-26
Company: PayActiv, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I used the company Payactiv 's services offered through my employer during a duration of 3 payperiods. 
payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$13.00} includes {$1.00} fee Deductioned from paycheck {$14.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$200.00} includes {$3.00} fees Deducted {$140.00} Payperiod ending XX/XX/XXXX Payday of XX/XX/XXXX Accessed {$160.00} includes {$4.00} fee Deducted {$340.00} YTD total {$480.00} Took 90 % of my paycheck Requested an itemized list or statement of transactions and any applicable fees and company refused to send a hard copy only offered to verbally give it to me. They did send me a statement from their card the pay advances get deposited to ( see attached ) but the math doesn't make sense and the company won't provide me transaction statement on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXXXXXX XXXX XXXX I had mailed a mortgage check to my mortgage company, a few weeks later my mortgage company called asking if we had sent out payment.this is when I printed the front and back of my cancel check and sent it to the mortgage company. At this point the mortgage company told me I would have to contact my bank to get a clear copy of the back of the check. When I called my bank they told me there copy of the back of the check was blank as well.at this point I explained to the representative of XXXX  what my mortgage company said and the representative told me to report it to their fraud department. Its been over 3 months. The only thing I know is that the bank that excepted this check under fraudulent facts is Bank of America. They have not responded to chase and I am being told that if they dont respond the case will be closed and I will loose my money. 
Bank of America was frauded. 
My check was deposited with my mortgage companies name still on and exactly how I sent it out. With no endorsement or any information on the back of the check. How can the customers loose money there money because the bank did not do there diligence on there side. 
Its going on 100 days and my bills are being changed interest and my daughters medical bills cant be paid because I had to use whatever money I had plus borrowed money to pay the mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 This account is showing inaccurate information on my credit profile

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 2019-09-03
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have contacted PNC consumer services department on XX/XX/XXXX and XX/XX/2019. To apply for their temporary Payment program and or permanant payment program. To lower my interest rate and payment on my PNC credit card and personal loan with the bank. The PNC.com/options website does not let me logon either. I am going through a financial hardship and can not make any payment arrangements. My PNC visa monthly payments are about {$150.00} and about {$100.00} of this payment is interest I am trying to pay down the balance. My personal loan payment is about {$120.00} per month I want to lower the interest rate and payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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 account XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XX/XX/XXXX, XXXXThere is an account with XXXX XXXX XXXX  with account number XXXX on my creditreport that was opened on or around XXXX XXXX XXXX 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of 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 explanation