davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (OK)

I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with XXXX XXXX dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the 5 year Oklahoma Statute of Limitations to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for XXXX. 

I received a statement from National Credit Adjusters , LLC dated XX/XX/XXXX stating they purchased the debt from XXXX yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the 5 year Oklahoma Statute of Limitations. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my credit score to drop by XXXX points along with it now looking like I have two separate loans that are outstanding when it's the same loan. 

XXXX XXXX should never have sold this debt to National Credit Adjusters , LLC since they had never contacted me plus it's now past the 5 year Oklahoma Statute of Limitations to attempt to collect a debt. Both companies are at fault but due to National Credit Adjusters , LLC purchasing it, it's now up to them to correct it according to Oklahoma Law along with the FDCPA - Oklahoma Debt Collection Law
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX  accounts listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my information.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

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!! : (
Consumer complaint received 2023-01-31
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co (OR)

Details of the loan : Lender Name XXXX XXXX XXXX XXXX Loan Type Private Loan Status In Deferment or Forbearance Original First Disbursement Date XX/XX/2022 Total Disbursed Amount {$12000.00} Total Capped Interest {$0.00} Current Principal Balance {$12000.00} Outstanding Interest {$670.00} Current Interest Rate 10.500 % I was misled into taking out a loan for XXXX XXXX. The XXXX was of poor quality, subpar, I did not receive the quality of education or program promised. I did times where I did not have a mentor that I paid for. XXXX had lied about their job prospects after graduating, their " partners/affiliates '' of which neither I nor any of my colleagues ever received a list of who these partners were. XXXX also stopped providing me careers support which was also a part of the program that this loan had paid for, immediately making me ineligible for their refund guarantee ( due to a XXXX complaint. XXXX had been informed about the XXXX  complaint and reviews before any of them had been posted. XXXX indicated that this was of no concern for them and then proceeded to block me from all careers support as soon as I had posted them ). XXXX 's XXXX is in itself, essentially impossible to achieve because of certain requirements. For example, all capstones and mock interviews must be done within two attempts. However, during capstone projects the graders can ask for endless amount of revisions, those revisions can come out of nowhere and do not have to be part of any project requirements. XXXX can easily fail student attempts twice for any reason ( even something as simple as font color, adding extra features etc. ) and immediately disqualify them. I have added a file here which details abuses from XXXX in great detail.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I contacted Experian to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I was charged late fees on a Land 's End credit card account managed by Comenity Capital Bank because they had not received payment for a previous bill. So I called the company and told them my bank 's ( XXXX XXXX ) bill pay had sent the payment XXXX days before the bill was due ( XXXX XXXX ) and that I could send them a copy of the transaction. They agreed to waive the late fees and I paid the bill over the phone by giving them my checking account numbers ( XXXX XXXX ). I then cancelled the initial check which we all assumed had been somehow lost. I then got another bill with a returned check fee ( {$30.00} with interest ). When I called the company and talked to a supervisor he told be they had received the check XXXX XXXX, a full month after it had been sent by XXXX and that due to certain banking regulations the returned check fee couldn't be waived. 

From my perspective there seems to be XXXX dubious practices here by the company : ( 1 ) they said they didn't receive my check in the mail for over a MONTH after it was sent by my bank ( and then they tried to deposit it AFTER I had paid my account in full ) and ( 2 ) they couldn't waive the returned check fee due to certain banking regulations that apparently apply only to Comenity. The latter was their response when I told them XXXX was willing to credit my checking account for the returned check fee. 

I did file a complaint with the XXXX in XXXX, OH, which is where Comenity 's headquarters are located. That site indicates some XXXX complaints have been filed against the bank in the past XXXX years, resulting in the bank receiving the lowest possible accreditation rating ( F ) from the XXXX So I don't really think Comenity cares anymore and that someone, somewhere needs to protect consumers by either getting them out of the credit business or fining them, or both.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  " verified as accurate and updated '' disputed information regarding I C Systems Collections account no. XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX ). I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXX XXXX XXXX, and XXXX XXXX does not appear to provide products or services within XXXX I have not been involved with XXXX XXXX in any way, yet I C Systems Collections has apparently repeatedly " verified as accurate '' the information it submitted to XXXX which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the I C Systems Collections and XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00}
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is negligent by opening a fraudulent bank account in my name and social on 3 separate occasions. Each time I have been assured that the accounts will be closed and that proper steps are being put in place to prevent this from happening again. In addition, I have fraud alerts on all 3 credit report agencies and XXXX. Despite this, they continue to allow fraudulent accounts negligently. 

Accounts were successfully opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time I contact them, and have been given assurance by them and their department that this would be prevented from happening again. But they would not discuss how the problem keeps happening to " protect privacy. '' They have no problem violating my privacy by opening the accounts. 

It is very apparent that the Bank does not have appropriate security and fraud protections in place to protect consumers.
Consumer complaint received 2023-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Freedom Mortgage has recently purchased my mortgage from XXXX and took over servicing this my mortgage account in XXXX. 

I wasn't given any notice that this would be happening, just a letter that it had. In that letter, I noticed that after the transfer ; the escrow amount per month had gone up {$51.00} or more than 7 %. 

My insurance and property taxes have gone down, so I was surprised that my escrow was increasing. I called and was told this was due to a " Shortage '' in the escrow analysis done by XXXX in XXXX. 

I believe that it is apparent that in this analysis, the " shortage '' is caused by requiring me ( the borrower ) to deposit funds, needed for disbursement and maintenance of a cushion, in the escrow account some period before the disbursement date. 

This has been accomplished in the escrow analysis by pushing together the two property tax disbursements so they are 5 months apart, and both are disbursed long before Illinois, XXXX county property taxes are due. 

In the analysis from last year, the final property tax disbursement wasn't planned until XXXX but didn't happen until XXXX. 

If these disbursments came at the proper time, or were properly spaced, there would be no shortage. 

I have made Freedom Mortgage aware of this, and asked for a way to contest this, and have basically been told the following : Freedom Mortgage says they have not done any analysis the analysis is from XXXX. They can not change, alter or grant a stay until they conduct their own analysis, which they say they plan to do in the first 60 days. 

With rising interest rates and inflation hitting everyone, blaming the previous company 's terrible analysis in order to justify what looks a lot like the use of pre-accrual in order to justify an escrow shortage is unacceptable ; and although I may get paid the " shortage '' difference in a year, there is no interest.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$800.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$120000.00} XXXX   XXXX XXXX {$120000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

I had called the company regarding my citi bank Best Buy credit card. I am in a debt settlement program, I was paying my Best Buy credit card when they closed my account. When they closed my account, is around the time I really struggling with payments. When I talked to Best Buy citi bank they were willing to help me but the man that was suppose to help me regarding a hardship program, did not! I felt like I was being treated like a child. He was suppose to help me with a payment plan and when asked about what I used the card for? I explained to him emergencies like bills, gas, groceries and etc but he kept saying " that's not what I'm seeing here '' and I didn't understand what he was talking about because that is what I used it for but the way he was talking to me, I felt like he was hinting that I just used the card for a shopping spree. Which really upset me because I don't owe anyone an explanation but I do use my things I can't pay in a bind. I'm a paycheck to paycheck house hold. I didn't like how I was treated and was very upset. I had emailed the company 2 times. Since XX/XX/2022 and haven't heard a response.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK (MO)

ACH Withdrawal : {$1800.00} on XX/XX/XXXX, BY XXXX XXXX  My business found a suspicious unauthorized traction earlier late last month ( XX/XX/XXXX ), and tried to resolve the issue with my bank, COMMERCE BANK. I first called the bank to inform that the account was debited {$1800.00} on XX/XX/XXXX, and it's an unauthorized traction. It said it's XXXX XXXX which took the money from the account. We haven't got any loans from XXXX or whatsoever organizations, and we don't owe them anything. I literally have no idea how you got our bank information and charged us {$1800.00} thru ACH which needs our routing and account number. 

The bank keeps saying that there's nothing they can do or dispute the transaction since it's already been over 24 hours, and telling us that we have to resolve the issue outside banking channel. 

I tried to contact all the numbers that I got from Commerce bank and there was literally nothing I can do to resolve the problem.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion credit report file no. XXXX " verified as accurate and updated '' disputed information regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX XXXX I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXXXXXX XXXX XXXX XXXX XXXX XXXX  does not appear to provide products or services within XXXX. I have not been involved with XXXX XXXX in any way, yet XXXX XXXX XXXX XXXX has apparently repeatedly " verified as accurate '' the information it submitted to Transunion which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (GA)

I took a look at my credit report on XX/XX/2023 and saw that US Bancorp inquired a hard pull from XXXX. I disputed the inquiry with XXXX immediately and within 24 hours I was given notice that the inquiry was valid. I immediately called US Bancorp and was told that I would need to submit a complaint to the Customer Recovery Department by mail. I informed them that I am not a customer, therefore I have no account name or number. I was told to send the complaint but leave the information blank. This is a recipe for a waste of money, time, and resources. So I decided to come straight to the source to get results. I need this off of my report immediately. I have been building my credit for the past 3 years. I have been very intentional and strategic with every move that I make in regards to my credit. Please look into this for me.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.