BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed back in XX/XX/XXXX, that Trident Asset Management was on my credit reports for a debt in the amount of {$770.00} for a XXXX account. 

I sent them a debt validation letter along with my FTC Identity Theft report along with court papers for an ongoing Identity theft case. They insist on sending me copies of a final bill as a form validation and completely ignoring the evidence I presented to them to substantiate my claim that this debt was opened fraudulently using my information. 

They 're still reporting on my credit reports after the debt validation letter was sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: MARINER FINANCE, LLC
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: Account status incorrect

Complaint:
Personal Finance company was paid in full in XXXX of XXXX. At the time the account was closed they advised there would be no negative information reported. However, they reported Collections to XXXX in XXXX of XXXX. When I questioned them about this, they then reported it XXXX as being in Collections in XXXX and XXXX of XXXX, over two full years after it was paid. This account is not in collections and is being reported wrong on both XXXX and XXXX and, in fact, is being reportedly differently on each agency. Company refuses to correct the situation.

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 2017-11-28
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For the last 2 years, I have been making payments to them and when I tried to get my payments lowered they told me they could not do it. I was making my payments on time for 6 months plus on time then they decide to change my payment after I called them to tell them not to change my payments because I was going back to school. Then they tried to charge a late fee and add an extra payment at the end of my loan after I talked to one of their customer service representatives and told her not to change my payments. This year has been challenging because I know I signed up for fixed interest rates but they said I did not and now my payments keep going up because of that incident I just explain.I am so ready to pay them off it took me 1 1/2 years to get my payments under {$10.00}, XXXX. I signed up for interest only payments because after reading the instructions that were misleading I thought I paying off the a set interest rate that was accumulated on the principal of the loan but I was not. Now my payments are going up a {$1.00} it seems like every month. I was at {$210.00} now I am at {$210.00}. I just hope it stays there because I can not afford to go any higher and they are not willing to help with getting my payments decreased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I started repaying my Citi Assist Student Loans starting in early XXXX. In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy to deal with the large amount of credit card debt we had and get us better prepared to handle repaying all of my student loans - approximately {$120000.00} in federal and private loans. Once our bankruptcy was filed, Citibank indicated on my credit report that the loans were in default. During the 5 years of repayment, I didn't see a problem with this since the bankruptcy protected us from debt collection and being charged late fees. The bankruptcy was discharged XX/XX/XXXX and I have been trying to get in touch with them for the better part of 2 months in an effort to get the payments restarted and try to get the default status removed. In the last 2 months, I have only been able to speak to 2 customer service representatives - both representatives informed me that the default status will not be removed from my credit report until the loans have been paid in full. I was also advised that they could not give me any payment information ( due date or payment amount ) until the loan was " sold '' and they could not tell me who the loan would be sold to. I am also not " allowed '' to have online account access to make payments online or see account balances. Even though I was able to reach someone on 2 separate occasions, I am not able to reach anyone most of the time. The phone number ( XXXX ) goes straight to a voicemail and no one has ever returned my call.

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. Transunion not sending me report back about investigation when I send several request I am attached the result from Transunion that three collection was removed from my report and XXXX and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.

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 2017-11-30
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. 

I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. 

I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX  took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. 

In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Nelnet, Inc.
State: CA
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 have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: MARINER FINANCE, LLC
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: Account status incorrect

Complaint:
I had an account with Mariner Finance that was paid in full in XX/XX/XXXX. Mariner reported no data on the account to XXXX in XX/XX/XXXX which is about when paid in full. Mariner then reported it 90 days late in XX/XX/XXXX. Then then reported no data to XXXX every month from XX/XX/XXXX to XX/XX/XXXX when they began reporting in as being 90 days late every other month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they clearly report {$0.00} balance on the account. 

Excerpt copied from XXXX credit report : 4.8 MARINER FINANCE , LLC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number xxxxxxxx XXXX Reported Balance {$0.00} They have provided clearly false information on this account and have refused to remove the information. Reporting it as being 90 days late for every other month in XX/XX/XXXX is fraudulent.

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 2020-05-05
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:
To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: IL
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:
equifax is continuing to report incorrect information on my report. My current address was reporting as my previous address and there is two addresses on there that still needs to be removed. I disputed 2 addresses and got an email saying that my dispute results were ready and they were removed from my credit report. Now I called in on XX/XX/XXXX to get my current address updated and the supervisor updated it. After I hung up updated my credit report to make sure it was updated and realized she added an apartment number on there that I never told her to add on there. I called back and they also told me that the two addresses that were disputed and removed were also added back to my report. This is against the FCRA. I am willing to take this matter to court and sue if this does not get fixed immediately. I am uploading my current Identification card to this portal with my current address without the apartment number that the supervisor added on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX  I closed a secure credit card account with CITI Credit Card. On XX/XX/2019 a balance of XXXX was debited from my bank account, showing a XXXX balance on the CITI Card account. They said that the card account would be completely closed 21 days after the initial closing date ( XX/XX/2019 ) to cover any usage and/or balance on the account. Which makes no sense. Their records as well as mine show no balance and the account is closed. The card is not usable, therefore there ca be no purchases.They also told me that it would be 100 days before my secured card deposit is returned in the form of a check. This is disturbing and makes no credible sense. I asked why are they holding my deposit. Their answer was unsatisfactory. All help is this matter is greatly appreciated. Thank you for attention to this instant matter.

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 2018-09-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below, and even though I had talked to representatives last month when the errors occurred. The rep of Toyota told me last month that they will remove the late mark on my credit due to internal errors and only to find out that this month they applied the payment wrong again. 

LATE MARK ON : XX/XX/XXXX & XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments correctly to you when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: AMERICAN EXPRESS COMPANY
State: FL
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 contacted by XXXX XXXX XXXX, in XX/XX/2016 who offered to buy my timeshare in exchange for their vacation program, which had much lower yearly costs. They set me up with VP Title Company, who informed me it would cost {$2600.00}, plus my timeshare to enroll in the new program. Much of this fee was to TRANSFER my timeshare. They stalled the process until XX/XX/XXXX at which time they said my timeshare had been transferred. I called XXXX XXXX and found NO TRANSFER HAD OCCURRED. They simply CANCELLED my timeshare, which was valued over {$10000.00}. Furthermore they never offered me the new vacation program through XXXX XXXX XXXX. I contacted American Express within a day or two, in early XX/XX/2016, informing them what happened and they started dispute. VP Title sent information stating that CANCELLATION AND TRANSFER meant the same thing. I sent them information from XXXX XXXX stating these terms certainly did not mean the same thing and since I paid for transfer, not cancellation, I requested my money back. I have repeated disputed this with American Express ( >2 years ), requesting conference calls with VP Title or XXXX XXXX, or speak to manager. I never get my requests honored and never get the same person to speak to. Just chain letters from American Express requesting more info, but never addressing the information that I sent from XXXX XXXX  that A TRANSFER OF MY TIMESHARE WAS NEVER MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2016 I went to XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX FL XXXX. to get consultation for a XXXX, and on my second visit a XXXX was force on me landed me into a another XXXX  office because XXXX done turning my XXXX in XXXX and my XXXX XXXX, and my XXXX. I went back to XXXX and complain of the trouble I was having after the XXXX and they advised me to use another XXXX XXXX for XXXX XXXX and no other help was offer to me. I signed an application for a new XXXX, the only thing I receive was a force XXXX that land me in to three other XXXX  office. A charge to my XXXX Insurance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX  On the application I receive through XXXX, it state my monthly, income is {$5000.00} that is also false. 
Now Omegia RMS, LLC XXXX and XXXX XXXX XXXX , XXXX has place my name on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I closed my account with XXXX and received my final bill from bill period XX/XX/XXXX - XX/XX/XXXX for {$650.00}. I didn't pay because that amount didn't make sense. It turns out that they were charging me for unreturned equipment. XXXX sends an auto email when they receive your equipment and I had received one so I forwarded them that email. After that, I received another bill from XXXX which they adjusted the amount to {$100.00}. I paid that bill back in XX/XX/XXXX. Until this day, I am still receiving collection letters. The first one was for {$460.00} and the 4 or 5 letters after that was for {$69.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony bank Sams Club card holder is reporting inaccurate information of late payments on my credit report for several years account was paid and theyre still reporting inaccurate information. I have spoke with the company three times and the third-party XXXX who they sold my account. I have sent synchrony bank document verifying the account has been paid in full and theyre still reporting the count as negative and late. The problem has been ongoing for over 90 days and I have asked for them to delete the count since Ive given them more than enough time to correct my account and they still have it

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 2018-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated a bank wire transfer on XX/XX/XXXX. The status of my bank wire stated pending up until Tuesday evening when it stated the status of my wire was " complete ''. I 've sent several emails to Coinbase ( the company in question ) and the only response I 've received was someone saying my issue has been resolved when it certainly has not been resolved. Almost a 2 thousand dollar is transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report from XXXX   XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX   XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED 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