BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase " disabled '' my account on  XX/XX/XXXX . I was given no reason why. I was asked to provide proof of my identiy and address. I immediately uploaded a picture of my NYS issued ID and also uploaded photos of my credit card statement, health ins info to further prove my identity and address. I have received no explanation as to why my account is disabled.
Coinbase had no issue allowing me to buy   XXXX   worth of cryptocurrency but now I have no access to MY money.
My coinbase account is linked to my bank account and my  XXXX  account ( which has links to ALL of my banking information ). I am now unable to hold any money in any of my banks because I have no idea if someone else has control of my coinbase account.
It has been almost 2 weeks with ZERO answers/resolution. The only communication from coinbase has been letting me know that my case is being escalated and IF my issue is resolved they will email me.??? Coinbase will email IF my account is cleared. IF? Coinbase is holding  XXXX  worth of purchased ethereum and litecoins. How can they tell me they will email IF they " clear account. '' I fear they have locked my account and stolen my money and banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX account has been closed for a few months. XXXX has been closed. XXXX XXXX XXXX has been closed. I never opened a XXXX   account. I never had a XXXX XXXX account. Never opened a XXXX XXXX account XXXX XXXX has been closed for years. Opened XX/XX/XXXX and closed not sure of the closed date. 
I have never lived in XXXX XXXX, In. and never opened a XXXX XXXX XXXX account. That stated in XX/XX/XXXX? XXXX has been a closed account for years. Opened in XX/XX/XXXX and closed XX/XX/XXXX. I have never been to a XXXX XXXX. Said I opened an account XX/XX/XXXX. And closed XX/XX/XXXX. Never had it never used. XXXX  never opened a XXXX account. Opened XX/XX/XXXX and closed in XX/XX/XXXX. Never owned a XXXX card ever. XXXX XXXX {$840.00} even opened in XX/XX/XXXX closed in XX/XX/XXXX never had that account. XXXX opened XX/XX/XXXX last payment of XX/XX/XXXX? Never opened a XXXX credit in those years. Closed stated XX/XX/XXXX. Never had a XXXX card in those years. I have one NOW YES, but not in THOSE years. I never lived in zip code XXXX nor did I ever live in zipcode XXXX. This is all very concerning for myself and my credit. We need to have these looked at and someone contact me as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account to XXXX XXXX  XXXX is Not Mine My credit report is affecting me a lot

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 2021-07-06
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: Information belongs to someone else

Complaint:
I want to complain officially as these accounts are not mine : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have perfect credit but a collection has showed up. I contacted the company and I didnt get much but it being a medical bill. It very much doesnt sound like 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 explanation
Consumer complaint received 2021-07-06
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021, I discovered that my child support card issued by the State of Tennessee was missing from my wallet. Immediately after discovering the loss, there were several unauthorized charges totalling {$3100.00} to my child support card. The card was a Mastercard.. I immediately called the fraud services line and reported the theft of the card and the unauthorized charges. I promptly filled out the report form provided by the card issuer and despite writing a followup letter and a subsquent letter from my attorney, have gotten no response from the card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions 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 am also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX  XXXX XXXX. I never authorized the inquiry. 
I have been refused any and all supporting documentation so that I can find the cause of the inquiry. 
I have been refused the IP address of the computer used. 
I have been refused a copy of the application

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 2021-07-06
Company: N.A.R., Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This account was opened fraudulent to XXXX. I advised XXXX  also sent police report and FTC report and the account was not removed. 

NORTH AMERICAN RECOVERY Original creditor : XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
Suddenly I saw an account that is not mine. I am victim of identity theft and therefore I am asking you to help me and figure out how it happened. I mean howcome this unknow item appeared in my credit profile. I ask you to make investigation and remove this item from my rpofile. 

Please check this account : 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 2021-07-06
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sold my vehicle to a dealership on XX/XX/2021, the finance company Exeter Finance received the payoff on XX/XX/2021. On XX/XX/2021 I cancelled my extended warranty and was told that the refund of XXXX was being sent to me. On XX/XX/2021, I realized that Exeter had accepted my refund. It is now XX/XX/2021 and every time I call a different supervisor gives me different answers. I still have yet to receive my {$1500.00}. Ive called twelve times and spoken to twenty different people. I want my money! Also, I was told the payoff would have been reported to the credit bureaus on the XXXX of XXXX and this has not occurred. Meanwhile I am without a vehicle due to not being able to finance until this shows paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: AES/PHEAA
State: FL
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:
They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My original monthly payment was {$870.00} on the loan. Then the raised it to XXXX monthly adding insurance to vehicle but I have full coverage already and they refuse to remove it making it difficult to make the monthly payment. I spoke with them to resolve the issue but they refuse to comply with me in anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Each month since XX/XX/2020 Ive been billed {$48.00} for a service I do not have access to and have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Innacurate employer on credit report. I do not work for XXXX XXXX. I work for crown which I have sent my stubs to transunion multiple times only to have it reappear.

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 2020-08-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the  person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2021-07-06
Company: TRANSWORLD SYSTEMS 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 is missing that should be on the report

Complaint:
On XX/XX/21 and XX/XX/21 I sent certified letters to Transworld asking for validation of the allege account they claim I owe. Today is XX/XX/21 and I have yet to get any documents I requested or even a response. But I notice that Transworld is still reporting the allege account to the credit bureaus. 
How can they continue to ignore my request and keep reporting this not validated account. They are breaking the law of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice via the mail on XXXX, Sent a written notice to Frost-Arnett on XXXX. In accordance with Title 15 of the United States Code Chapter 41 Section 1692, I requested validation of the debt on more than one occasion within the 30-day notice. However, Frost-Arnett has failed to provide validation of this alleged debt within 5 days of contact/communicating with me regarding the debt. Instead, they have practiced aggravated identity theft under 18 USC 1028 ( A ), by accessing my personal information without my express consent. Altering the account numbers on each notice to indicate new debt ( see exhibit A ). In accordance with FDCPA 8012 furnishing deceptive forms, the monetary remedy is owed to me. ( see exhibit A-total of violation made ). Continuing to alter forms and communicate about a debt that I do not own is considered harassment under 15 USC 1692 ( D ) ( 1 ). Pursuant to 15 USC 16819 ( b ) I never gave Frost-Arnett permission to access my personal information. I want any and all accounts deleted, removed from your system they are hereby disputed, as I am a protected consumer and I am not obligated to pay anything that doesn't belong to me. I am the consumer and according to 15 USC 1692 I do not owe any debt and I am not obligated to pay. I am an admistered agent in accordance with 15 USC 1692 ( f ) I do not own the social security card, In accordance with the code of federal regulations section 422.104 Social Security Numbers are the property of the Social Security Administration and must be returned to them upon request, therefore I am an administered agent and do not own any debt assoicated to it. Further review of the regulations can be loacted via 18 USC 8. Frost-Arnett is unable to validate this debt, in order to validate a debt it means to assess an action, I am the consumer and I am the only one that can validate a debt and this debt isnt mine and isnt true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio Recovery has been on my credit file for 10-20 years, maybe longer. I have no idea what they want besides stealing of ones identity for personal gain. Theyre fraudulent companies that keeps harassing years n years. They have copied previous mail resending items to me, stolen my priority emails, hacked n sent viruses to number of my cellphones as they ruined them. Using an dynamic dialing system harassing n committing insurance fraud, they have contacted with social security administration. Violating my records in file n my rights. Stole my identity online and offline. Changing my Department of Motor vehicle records to unknown addresses. Stealing my domestic mail, n bank cards & checks out of my mail boxes. Having others Harassing me day n night, in person n over internet. They call about student loans I dont owe, they say theyre government officials. They call acting as government officials, saying Im gon na be deported when Im USA citizen born n raise in California. Theyre coming around committing vandalism to my property n property I live at is ongoing. These people continue to cost me money, causing all kinds of horrible harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent Nelnet an Affidavit of Truth on XXXX XXXX that was notarized, and sent through certified mail. The USPS shows that they received it on XXXX. I received an email today indicating that they received my Validation of Debt request. This was not a validation request, it was an Affidavit stating 7 facts of fraud and willful disregard for my privacy, and consumer rights under the FCRA & FDCPA. This company continues to operate in violation to Federal Law in regard to my 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity

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