davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am submitting this complaint regarding the reporting of late payments on my credit report that I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to report accurate information. They must also promptly correct and update inaccurate or incomplete information. I have communicated with Experian to dispute the inaccurate late payments. Despite my efforts, the creditor/collector has failed to investigate my dispute within the required 30 days or to correct the inaccuracies in violation of their FCRA obligations. By reporting these alleged late payments inaccurately, the debt collector is in violation of the FDCPA, as it damages my credit reputation and is being used as a tactic to collect on the debt through coercive means. I disputed the inaccurate information with Experian XX/XX/year> providing documentation that supports my payment history. Despite their obligations under the FCRA to investigate and respond within 30 days, they have not taken appropriate action. 
I have also contacted the credit bureaus directly to dispute this information, but the inaccurate late payment reporting persists.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (CA)

The first month my first monthly payment was due to my Barclaycard account, I assumed it was an honest mistake that my statement did not arrive to my address and dismissed it.This became an ongoing problem, as I at no point in time chose paperless billing for this account, and confirmed it when I once again called to make an over the phone payment, and have a late fee removed. I thought my mail was being misplaced by my family, and took action to enroll in text alerts in regards to payment due date. To this day I receive absolutely no mobile alerts in regards to my account, and accessing my account on my application, or on the Web seems to be impssible as it is always down. I have only received statements when requested by phone with a live operator, and when my account has gone past due status. I am hounded over the phone when the company has not received payment, but feel I have absolutely no obligation to them until they correct their mistskes. I do n't intend on paying them the more recent late fees as they have failed to produce a timely monthly statement as my other credit card companies do.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NY)

I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hello, we are working on a short sale where the servicer has made multiple errors and they are refusing to correct the issues and have taken a hard line approach since we brought up the concerns. They are pursuing a foreclosure and a short sale at the same time. 
The mtg was taken out in a trust yet in their system, and on letters sent out they show a different, incorrect mortgagor. 
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns, fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX, the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment, we will close the file ''
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF HAWAII CORPORATION (HI)

I was never properly informed of any liens or judgement until XXXX/XXXX/XXXX. I filed bankruptcy in XXXX with knowledge that all debts were XXXX. As of XXXX/XXXX/XXXX XXXX XXXX I received a call as well as an email directly from Bank Of Hawaii ( lienor ) asking for payment and they are not willing to settle. Bank Of Hawaii collection department representative XXXX XXXX emailed me judgement papers to show me a break down of the initial payoff, as, well as, made me aware that interest and per diem will be charged continuously until debt is satisfied. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX sent a payoff request thru email. After speaking to our attorney I was made aware that all debts should have been discharged and it is in violation for the debtor to request payment. I am aware that a motion can be filed to resolve this matter. I will take legal actions if necessary. Prior to discovering this situation I was never made aware of this debt. Had I been properly made aware in XXXX, I would have attempted to take care of this matter. I was never properly informed, I had no knowledge of a per diem fee, as well as, interested being added daily since XXXX till current. This matter was brought to my attention thru Escrow. After cleaning up my credit and trying to make an attempt to purchase my first home for my family of XXXX, this situation has stolen my opportunity to move forward in providing a stable home for my family. Please advise.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

Fact 1. Chapter.XXXX program, XX/XX/XXXX. Paid in full XX/XX/XXXX. 
2. XXXX in additional charges with no explication, XXXX. Repeated requests. 
3. XXXX XXXX XXXX XXXX XXXX said it was a mistake when they changed invoice styles and they had allot of errors to fix. That was XXXX. 
4. Since then I have not gotten a straight answer or response. 
5. I send a form letter with my payment every month, requesting a response. 
6. I currently send my payment priority mail, because they occasionally loose my payment.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (TX)

There is an account on my credit report listed as Federal Bond and Collection stating it was opened in XXXX 2015 in the amount of {$2500.00} but the current balance owed is {$4600.00}. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion uses antiquated web programming that according to their own technical support people and support pages does not support XXXX / XXXX / XXXX / XXXX and only supports PCs. In today 's world, this is an absurd limitation and puts an undue burden on the consumer. With their tech support on the phone I tried to login using XXXX, XXXX and XXXX browsers on a XXXX. None of them worked. I subsequently tried to login from a work PC laptop I still had around and still I could not login. Their solution??? Send you a copy in the mail a week later!!! Worse yet, without login to web interface it makes it near impossible to dispute issues because their operators barely speak XXXX and are complete idiots. Worse yet, their data is completely erroneous and is not even close to the other bureaus. There should be financial penalties against credit bureaus that consistently misrepresent your credit history. I have had a house for 32 years and a mortgage for years. Sure, it has changed hands due to banks going bankrupt, but they punish my score because they suddenly say I do n't have a mortgage anymore even though the lender has not changed recently.
Consumer complaint received 2016-03-17
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (FL)

PayPal Credit problems : My dispute lies in a purchase made on Ebay on XXXX XXXX, XXXX for {$43.00}. 
This was paid on XXXX XXXX, using my XXXX XXXX card, and I have this confirmed from both Ebay ( ref number XXXX ) and my XXXX XXXX statement. 
However PayPal Credit claims that on XXXX XXXX, they paid a bill for {$42.00} and then did not send any form of statement until XXXX XXXX at which point multiple billing cycles had passed and interest and late charges were applied. 
I checked with the vendor and he never received two payments, ONLY my credit card payment. 
Since I had no idea there was any involvement with PayPal credit until XX/XX/XXXX, I began at that point trying to call and clear the matter up. Finally on XXXX XXXX, XXXX ; I paid {$46.00}, NOT because it was a legitimate charge, but simply to end the matter. Their representative told me my account was now cleared and closed. At no time ( during over 3 hours on the phone with PayPal Credit ) did they assign me a dispute number or make any attempt to clarify ther billing error. However, after my last call I was assured that my payment of {$46.00} ( which was paid only to put a halt to the continuing bills and failure to respond by PayPal Credit ) would cover all costs and no further statements or charges would be assessed. 
Now I have received another statement claiming I still owe {$100.00}.
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. 
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.
Consumer complaint received 2016-01-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

To whom it may concern, I have been a member of Paypal for years without any interruptions or obstruction towards my account. Well, recently opened up a business account on Paypal that specialized in web services. To which, very recently, Paypal had limited my account and asked that I provide documents to prove my identity and such. I followed their instruction to the letter, and yet they decided to close my account. The worst part is that they are trying to withhold my funds from me within the account ( funds that would put me back financially ). I have asked politely asked them to release the funds to me, and I will take my business elsewhere, but they have not responded to said matter. They completely circumnavigated my letter. Again, it is alright that I am to part ways to Paypal, but I disagree with their notion of trying to push me around by holding my funds and ignoring my letters. I simply wish for my funds to be released. Thank you for your time.
Consumer complaint received 2015-12-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PDQ Services, Inc. (GA)

I went to the doctor for a medical condition with XXXX. I completed all of the necessary paperwork and the doctor 's office filed a claim on my behalf which was supposed to have been sent to the insurance company ( XXXX ). I never heard anything back from the doctor 's office after that nor did I get any information from the insurance company stating that I owed any money. Shortly after that visit I moved to a new address and never received a bill from the insurance company or the doctor. About one year later, I was checking my credit reports and I find XXXX entries of collection on my reports. XXXX was from PDQ Services Inc and the other was from XXXX but with the PDQ Services address and information. I immediately called the doctor office and was told that there was nothing they could do and that I would have to call PDQ. I immediately called PDQ and offered to pay the bill in order to get it off of my credit reports as I did n't want my credit tarnished from a {$230.00} bill. PDQ was paid via credit card online. After that I still noticed that PDQ had the information on my credit report and I told them that I thought this violated my privacy rights and HIPAA as it showed my potential medical condition. I asked that the entire credit line be removed from my reports as it was paid and served no purpose based on the fact that I never received a notice of a bill. Neither PDQ, XXXX or the credit reporting agencies wanted to listen to my plea. I honestly feel that I have been taken advantage of and become a victim of shoddy medical collection practices. I also think that the doctor never attempted to contact me as this could have easily been paid in the early stages if only I had been contacted. I asked the credit reporting agencies to verify the methods and they basically gave me a nonchalant answer. They claimed to have verified the collection but could n't have as PDQ and the doctor sent me a letter stating that they were not going to address my complaint. Everyone ignored my pleas after I paid the account and all they wanted was their money. They had no concern for my rights as a citizen. The credit reporting agency says that they mask reports when sending out medical information but I am inclined to disagree as I see poor reporting from them each time I look at my credit reports now. PDQ does not bargain in good faith and should have never had my medical information in the first place as they have no business associate agreement with the doctor. I asked for this but it was never given which leads me to believe that they are handling sensitive information without a need. I asked them to verify the debt after the fact and they only sent me a letter stating that the debt had been paid in full. All in all, this has been one unpleasant situation to be in as a result of a {$230.00} medical collection debt.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XXXX XXXX a loan officier from 5/3 bank came to our business and stated the bank was defaulting our loans because we were in arears on the property taxes of the building they financed. After a great deal of discussion we agreed to close our 17 year family business and sell off all assests including the commerical blg and forward all proceeds to 5/3 bank to pay against the balance of our XXXX loans approximately {$300000.00}. For our cooperation 5/3 said they would assist us securing an OIC from the XXXX which would if accepted remove all liens from our personal property and nullify the personal guarantees. We worked with XXXX XXXX and by XXXX or XXXX the business was closed, all assets sold and monies turned over to the bank. XXXX then immediately proceeded to draw the documents to present to the XXXX. We submitted ALL required docs including personal finance and tax info. The XXXX responded on XXXX occassions simply commenting that their paperwork was not completed correctly and again working with XXXX we made the corrections and resubmitted. Now comes XXXX XXXX and communication from the bank stops completely. We can not find anyone who will assist us and find out what is going on. Forward to XXXX XXXX we are assigned a new loan officier finding out XXXX had left the bank. The new officier is XXXX XXXX. She has none nothing but delay the closure of these issues. We had to resubmit paperwork, personal financials and tax info over and over simply because of inaction on the part of 5/3. 

Bottom line wehave fulfilled every single request set forth by 5/3 with devastating consequences to our personal situation. At XXXX and XXXX years old this entire process has caused us great emotional distress. It needs to come to closure, 5/3 needs to step up and meet its end of the baragain and get the OIC signed, sealed and delivered.
Consumer complaint received 2016-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC (WY)

I was in a repayment agreement with GC Services for XXXX. After my tax refund was offset I learned not all of my loans were included as I was led to believe. I have since consolidated through XXXX XXXX. GC Services/XXXX was notified on XXXX/XXXX/16. Also in XXXX, XXXX, on XXXX/XXXX/16 and XXXX/XXXX/16 GC Services/XXXX was specifically told not to call me at my place of employment. They are able to call my cell phone, which they do, although they do not leave a message, they only try to call and then call my employer immediately thereafter. My consolidation loan is complete, and they are no longer able to collect for that debt. They have been told 4 times I am not allowed to be called at work, and they continue to do so, despite the fact that it jeopardizes my employment - and therefore my ability to pay back any of my student loans.
Consumer complaint received 2016-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (KY)

I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items.