BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
With my PNC Virtual Wallet account, for some reason my Reoccurring monthly payment on the XXXX of the month to my car loan with PNC did not happen. I had no idea why. I talked on the phone to PNC today after my husband notified me that there was something that popped up on XXXX XXXX. PNC Virtual Wallet costumer service said they did n't know the problem but would transfer me to the car loan department. I paid what was owed with the money that was in the account waiting to be transferred. However, that does n't fix the problem that I never manually decided to not do an XX/XX/XXXXpayment, and then I fell behind. While PNC Virtual Wallet has my correct number, and the car loan from PNC had my number, they were calling an old invalid number to the account to make us aware. Which is also something that I told the car loan department through PNC before to only call my number, when in fact they did n't call my number.
You will see in the documents that my XX/XX/XXXXcalendar from virtual wallet was missing the XXXX reoccurring payment. However, XX/XX/XXXX was n't missing. You will also see where I went ahead and paid current when noticing the problem today over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Please reference XXXX. NMAC 's responses were very colorful and generally accepted. However, their answer to the title release is erroneous. 
From : XXXX XXXX XXXX I found their answer to be incorrect. 
" The Electronic Lien and Title Program ( ELT ) is a paperless method that allows TxDMV and a financial institution or lienholder to exchange vehicle title information electronically. The title record is sent electronically and the lienholder stores the electronic record instead of a paper certificate of title. The electronic title is created and held by TxDMV in the state motor vehicle database.

Title applications are submitted and processed through the local county tax office. Under ELT, when a lien has been satisfied, the lender must submit an electronic release of lien. The lienholder is then removed from the record, receives an electronic notification and a paper title is sent to the owner. '' I am suspect that the lien was released. I would like a Lien Release Letter, on NMAC Letterhead, duly notarized so I can go get a " Certified Copy '' of the title. There is an expense of time and money to accomplish this. Perhaps NMAC would like to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Company Dealing With : Robinhood Brokerage Firm I have been trying to withdraw funds from my Robinhood brokerage account since XX/XX/XXXX. It has been saying account withdrawal disabled SINCE XX/XX/XXXX, this is because of a previously returned deposit from my bank account to my Robinhood account. I have been emailing their customer support to remove the restriction since XX/XX/XXXX. They say that they will respond inn1-3 business days. It has now been 8 business days with no response. Ive been in touch with their support account via XXXX which told me to direct message them and then said somebody would get back to me and its been an additional 36 hours since that happened with STILL no response. From my search on XXXX  and other platforms I am not the only one unable to get any type of response from their support team and there are others with the same exact restriction problem. I have had over {$7300.00} being held hostage in my Robinhood account. I have successfully passed all anti money laundering hold times and my funds have been settled for the required amount of time already. 

Robinhood Support Case Numbers associated with this complaint : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Paramount Recovery Systems, L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
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:
Consumer complaint narrative I sent letters to the 3 major consumer reporting agencies on XX/XX/2018, and a follow up letter on XX/XX/2018, along with my identification, and a FTC identify theft affidavit and a police report asking that they remove the XXXX XXXX is the results and inquiries that were a result of fraud. The agencies failed to remove all the accounts listed in my original letter. As to the damage done by having in my credit report this fraudulent item, I been rejected 10 times for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: OH
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 recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX to remove and block these items.

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 2020-11-24
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX XXXX both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent U {$150.00} from USA to Colombia with express payment but the funds where not deliver not the day neither the next day and when I contacted the company they said the complaint may take 7 business days to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: UT
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:
Equifax is the only bureau reporting 3 collections to my credit report that are not mine. I do not have nor do I ever get collections and all our medical is auto drafted from our account automatically. The accounts show NOT REPORTED- XXXX & XXXX & XXXX - These are erroneous and not mine. I demand to see a signature and XXXX XXXX is not valid verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted my loan servicer and Federal Student Aid to try to clarify items on student loan account, It seems that some of the loan cancellation were not applied during consolidation. Each are saying I need to speak to the other. I started emailing in end of XXXX XXXX and last communication was XXXX/XXXX/20. 
Looking over the documents there is a {$15000.00} difference some of it is interest but that seems quite high. My original loan total was around {$35000.00} but consolidated was over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from IC systems stating that they are collecting money from me, on behalf of XXXX. I do not owe IC SYSTEMS any money. I do not know who they are, and I Have never had XXXX as a phone carrier. I have had the same cell phone company, which is XXXX wireless for over 10 years. I have also had the same cell phone number for over 10 years. There is no way I owe XXXX any money. I sent a letter to IC Systems asking them to provide me with validation of the debt they are claiming I owe. I received a letter from XXXX XXXX stating they have no record of my account and I need to send them more information. I will not send them any of my personal information. They initially claimed that i owe XXXX. This is a scamming company trying to steal my information, and I immediately request for them not to report anything negative to the credit bureaus. They have not provided me with validation, and they are attempting defamation of my credit character. This company needs to completely remove me from their system. I dont owe them or XXXX any money!! I want to cease collection on this false debt 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 explanation
Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
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/XXXX i went to pay my amazon credit card held by synchrony bank and instead of sending XXXX i sent XXXX by mistake. i think my coumpter keys wre sticking. on XX/XX/XXXX by email i got a thanks for XXXX and realized my mistake. i called on XXXX XXXX and bank said it would take 3 weeks for refund. 3 weeks no check. call back and told check not sent but would be. on XX/XX/XXXX told check was sent on XX/XX/XXXX. i asked for confirmation in writing and have email confirming. its XX/XX/XXXX no check. they canceled the 2 credit cards i have with them and ruined my excellent credit rating. they think that i am pulling a scam. they owe me XXXX which they show on my last 2 statements. i am looking for help. i dont have and extra XXXX laying around. can you help. please

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 2020-02-13
Company: EQUIFAX, INC.
State: TN
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:
LOOKING TO BUY A NEW HOME WHEN THE BANK INFO ME OF ACCOUNTS ON MY PROFILE THAT MAYBE DO TO FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
I don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

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 2020-11-24
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A couple of months ago I received an escrow analysis that my payment was going to go up. I did not have money to pay the shortage so I noticed my payment went up almost {$400.00}. I checked online and noticed that US Bank has XXXX County and XXXX which are not suppose to be there. I live in XXXX County, and we pay for XXXX and XXXX. It has been a month since I reached out and have made numerous calls without resolution. I have not made my car payment because I needed to pay my mortgage. I am worried that again I am going to default on my other bills since my main concern is to keep my home. I keep getting the run around and I even requested a supervisor which she told me she would call me and never has. I need my escrow fixed and to have my payment fixed.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-27
Company: AFNI INC.
State: ID
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 was alerted by my XXXX  credit app there was a collection placed on my credit from AFNI for XXXX XXXX XXXX XXXX  for {$560.00}. 
I did NOT receive any call or correspondence to notify me. 
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX spoke to Employee ID XXXX. I provided him the tracking numbers for the equipment returned on XX/XX/XXXX. He confirmed seeing the items received by XXXX XXXX XXXX   on XX/XX/XXXX and indicated I should not have any charges and they would mark for review and call me in 24-48 hours. They never did. 

I called AFNI on XX/XX/XXXX at XXXX spoke to a woman who did not have a employee #. I explained to her what XXXX XXXX XXXX  said. That this is inaccurate and I was not notified and wanted this resolved and removed from my credit. She said they would mark it " paid '' if I paid it that day. I continued to reiterate I was not legally notified and it was inaccurate. When I asked her what day they mailed me a notice she said " I see the letter was suppressed and it did not go out. I will request deletion from the credit bureaus '' I requested a letter in writing confirming that she said they would mail one. 
To date I have not received a deletion letter and it is still on my credit. On XX/XX/XXXX I received the first and only notice of collection. Still trying to collect the account regardless of my disputes and proof of tracking numbers. 

Neither party has done what they said and rectified this matter and my credit has not been corrected per the conversations. I have not had XXXX XXXX since XXXX and once I returned the equipment I was never notified of anything since. In accordance to federal Fair Credit Reporting Act 611 I am disputing the information and also reporting violation of the lack of notification prior to putting the erroneous account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
GM Financial claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as GMF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Bread Financial Holdings, Inc.
State: MD
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:
act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid 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 was incorrectly charged by a merchant ( XXXX XXXX ) and Chase refused to dispute it on my behalf.

Company response to consumer: Closed with explanation