BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. 

As per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. 

Furnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have been getting calls from Portfolio recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
Responded to settlement agreement with World Finance and made all requested payments but company refuses to update status on credit report as stated in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Paypal Holdings, 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:
Im a registered Venmo user for over 2yrs. 2 weeks ago I received an email from Venmo claiming someone was trying to open my Venmo account from another phone. I informed them it wasnt me & they froze my account for security, claiming it would be restored in a few days after I submitted my drivers license with a selfie & change my password. I did all of this & they have gone silent on me, not restored my account. I have almost XXXX XXXX dollars held up in this account & they arent taking my phone calls or emails. Please help!! : (

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Account information incorrect

Complaint:
I reached out to XXXX regarding my late payments twice told them the late payments they are reporting is reporting different numbers to all 3 credit bureus one bureu show XXXX missed payments then at another bureu it is reporting XXXX I will like for issue to be resolved

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 2023-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA has not yet removed this old outdated account from my profile. There is no statement of activity and most recent date of XX/XX/2015 would make this account too old to even be on my profile. 

1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists PRA is not licensed in my state and I demand removal or expect monetary damages in the amount of XXXX dollars for each month this has reported to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of this debt XX/XX/XXXX that they claimed was charged off XXXX in XX/XX/XXXX account number XXXX. As of today they still have not validated the debt or showed any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay their company. Please provide the requested validation bearing my signature or cease the collection efforts and reporting of this account on my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXXXXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Transunion, XXXX and XXXX, credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. Transunion, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. This is a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: Experian Information Solutions 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:
I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-12 XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.

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 2022-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir / Madam, I have a Mortgage with Rushmore Loan Management Services. I was current and did not miss a single payment since XXXX. However, the effects of Covid and the circumstances and effects of the slowdown seriously affected my business  in XXXX and I was unable to pay my Mortgage since XXXX of XXXX till XXXX of XXXX. 

Rushmore sent me the XXXX invoice ( attached ) and followed it up with a letter dated XX/XX/XXXX. ( attached ). I wrote a check for the entire XXXX invoice ( attached ) and sent it to them, mailed from the XXXX XXXX XXXX office on the XXXX. of XXXX, As of today, XX/XX/XXXX. they have not cashed the check ( copy attached ) .I have written, faxed and posted my responses, to no avail. Communicating with them is difficult. 

I request your urgent assistance in this matter. 

Thank you, Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good afternoon, I wanted to write to you because in truth what is happening to me seems super unfair. A year ago, my monthly payments were too high and interest too. I called Chase Bank to help me. they told me that my only option was to close the account so that the minimum payment was lower. 
I repeated myself multiple times to the representative and this person confirmed to me that the {$90.00} will be deducted from debt with no extra fees. I closed my account that day. I have been paying my {$90.00} dollars every month on the XXXX for months now and when I can pay a little bit more I usually do. 
I started to notice how my debt was not changing much and I decided to compare all my statements. To my surprise I was been charged a 12 % interest. I called chase and talked to 5 different departments and nobody was able to assist me. I was provided with wrong information and the representative didnt explained anything. I realize now that I should have kept credit card open and try to pay it off. This affected my credit and how am I supposed to trust Chase again? 
Chase doesnt even want to knowledge me or even try to help me. I asked for the recording of the convention via phone to be provided to me and nothing has been done. There is a lack of transparency and there was not guidance. I want to pay off my debt, but they are making it impossible for me with these fees and I honestly just dont even want to deal with them. This is unfair and more when I just want thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX XXXX I filed a dispute for two unrecognized transactions for a total amount of {$380.00} that drafted directly from my ACH. On XX/XX/XXXX, I was notified that I received a temporary credit. On XX/XX/XXXX, I was notified that my dispute was resolved in my favor and the temporary credit would be made permanent. Instead, the transaction was reversed and I no longer had even the temporary credit. I have contacted chime multiple times in over a 30 day period, and while they continue to escalate my tickets every time, none of the tickets have been touched despite me being told that the issue would be resolved within 48 hours of the ticket being submitted. I am now over 30 days past the resolution and still out almost {$400.00} because XXXX can not escalate investigations internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: 21ST MORTGAGE CORP.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Creditor is harassing me regarding payment. I lost my job and tried to make arrangements, they refused even though I communicated that I was unable to make a full payment. The last phone call ended with the XXXX hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX XXXX Experian Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Share Agency Name XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department

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 2022-06-02
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet reported to all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out with the use of my social security number ; however my name is not on the contract. 

The references on the contract are not my relatives. 

My name and my signature are not on the contract. 

Nelnet refused to provide the original contract to me for over two years ; however continued to tarnish my name and credit score with false and fraudulent reports to all credit bureaus. 

Nelnet reported my name and information to several third parties without written consent to share my personal and private information showing their illegal practice. 

I have filed multiple police reports in which Nelnet has ignored. The police know the individual that applied for this loan in my name and Nelnet will not respond, they continue to fraudulently report my information to third parties. 

Nelnet has information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. 

This fraudulent loan has caused significant hardship, including killing   my buying power and tarnishing my name and credit score. I was unable to purchase my home because of the FRAUDULENT loan. 

Nelnet is reporting payments being made that I never made on this fraudulent loan along with other false information ( false names, address, phone number ) that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. Nelnet is engaging in illegal practices that need to be stopped immediately.

Company response to consumer: Closed with explanation