davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

I am actually a parent rather than the student. We co-signed student loans not fully understanding that much of student lending has been privatized and not subject to any relief programs such as forgiveness after 10 years of working in public service, etc. What happened to XXXX XXXX? 

Our student son is paying the public loans on a schedule based on his income and we are paying private ones since he makes very little money. It is really ridiculous for a college degree to cost so much money. His degree is in XXXX and XXXX, so he will likely be working for a modest salary all his life. Making the world a better place, but not pulling down the big bucks. 

Is there any relief for private loans? We are being impoverished since our student ca n't make all the payments, and we will be unable to retire. We can only make the payments, we ca n't pay off the principle, so we 'll be paying forever. Plus Navient is calling us relentlessly. The calls start BEFORE the bills arrive and persist until they receive the payments, even though we pay every month. We get a few days of peace and then it starts again, Navient also calls our son and threatens him with dire consequences like legal prosecution. We no longer answer our own home phone, we just return calls to our friends who leave a message. Navient has our son 's cell number, so they harass him at work, at home, wherever. And this is what they do to a family that is paying each month. Imagine how much it would crank up if we skipped a month? 

I am between jobs, my new job starts in a few weeks, but money is really tight now. We need relief.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

My loans were transferred from XXXX to Navient in XX/XX/XXXX. First they increased my payment amount from {$380.00} to {$390.00} for XX/XX/XXXX When I called and asked why they sent me document that just said I was on a graduated payment plan but did not spell out the payment plan. I also noticed that all the payment was going towards interest and not principle. When I asked them about it I was told I had accrued interest of {$340.00}. I asked why - this did not occur with XXXX - why with the transfer did I accrue interest. They told me they would send me documentation on it. All they did was sent me payment history for XXXX months with current account info. Again they did not address the why it occurred. I find their lack of transparency disconcerting.
Consumer complaint received 2016-02-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (TX)

Just got another call from a " XXXX XXXX '' from an UNAVAILABLE phone #, who said he was a XXXX XXXX Process Server trying to let me know he was coming to my work and/or my home to serve me a subpoena. He said the party that wants me in court is EZCorp and to call them at XXXX to stop it. I told him I had never heard of someone getting a heads up call for a subpoena and asked if he actually worked XXXX and he said yes. Well, I called the # and got a " XXXX XXXX '' with verification who said this was for a lawsuit from a loan they say I got on XXXX XXXX, 2010 ( I did not get XXXX then, possibly a year to 6 months before but I know for sure I did not get XXXX during that time or since that time. Either way they said they were in contact with a list of people as references, My father, my brother, to name a few, to get this handled and have been unsuccessful. I was transferred to a female named XXXX and then back over to a XXXX. He was giving me my person information including last XXXX of social and my entire drivers license #. I told him I did n't recognize EZCorp as a loan, and especially on that date. And he tried to say I was lying because someone went in there with my ID and got the loan and now I supposedly owe thousands and they are going to have my drivers license suspended and he repeated my actual drivers license # off to me. I told him I did n't think they were legit and I was not paying for something I did n't sign up for. He said he would see me in court so I hung up. I did n't even think to tell him that the State of Texas statue of limitations on debt is 4 years, which this would be past then for sure. This is n't the first time I have heard of this from EZCorp people telling me this and I keep telling them to send me proof and they tell me to quit playing games and that they know what " I did ''. Even still, I google searched this found the CFPB reached a settlement with them for saying these same types of statements. I would have thought with the settlement, they would stop but it is still continuing. I also was n't contacted to sign up on the plaintiffs with CFPB so why would this EZCorp still be contacting me?
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

FILED Chapter XXXX bankruptcy in XXXX. The Chapter XXXX plan was NOT CONFIRMED and was DISMISSED by order ( attached hereto ) of the Bankruptcy court in XXXX. Nevertheless, Experian Credit reporting agency continues to report only the Bankruptcy filing and the dismissal. It does not report the fact that there was NOT a confirmation of the bankruptcy filing as based on the Order of the Court. The Experian Report is incomplete and therefore inaccurate.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc (NY)

I recently received a debt collection notice from an unknown source. 
I do n't know or recall ever dealing with this creditor ( XXXX ) stated on the collection notice. Have never purchased services, bought products or merchandise from such creditor or used any financial means from such creditor. No info regarding when, where, and how if I ever made contact with such creditor. In a nutshell I do n't know who this creditor is and the amount they are trying to collect. They provide no real evidence info on this matter.
Consumer complaint received 2016-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CT)

Several months ago, I enrolled a PayPal account so I could receive money for selling some personal items on Ebay. On XXXX XXXX I sold a gold bar in the amount of {$1200.00}, the buyer of this item paid and I shipped the item. Due to this being a new PayPal account, these funds were held for several days. After the money was made available, I attempted to withdrawal {$500.00} of these funds only to have the transaction reversed and account limited. PayPal is now demanding a large amount of personal information from me to " restore '' the account- a task that is very onerous. Furthermore PayPal wo n't respond to my Emails and continues to cite their " User Agreement ''. I am also unable to refund another buyer who paid for an item I sold on Ebay, which creates another issue. Because I can not deliver this item, nor refund it, my buyer has no other recourse to in initiate a dispute ( or possibly legal action against me ) for failing to give their money back to them. 
I feel PayPal is unlawfully holding my money for an item I sold, and will not allow me to refund a second buyer for another transaction.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (UT)

I have disputed error 's on alleged collection accounts that are reporting negatively on my credit report. I have tried my best to contact all parties. I can not dispute online on any of the XXXX major agencies website. I was denied a home loan XX/XX/2016. Because of this inaccurate data reporting. how come the XXXX bureau 's websites can stop allowing me access. also in the dispute process most accounts were updated against my wishes. is it legal to change an accounts payment history?
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

i have contacted exsperian about a civil case on my credit report that does not belong to me and incorrect addresses that do not belong to me and they will not remove them.they keep importing incorrect information of persons with a similar name and placing them on my credit report.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (MN)

I went online to order my credit report with Experian. The site made it look like I had to pay {$1.00} to receive my report - so I entered in my debit card number. They enrolled me in some type of monthly service and charged my card {$21.00}. I called to ask why - they told me and I stated I never wanted nor do I need that service. XXXX XXXX stated he would cancel. I asked for a refund and they refused to give me a refund. XXXX XXXX stated it was " against company policy ''. This is exactly what you fined XXXX & XXXX for in XX/XX/2017. I believe you called it " Deceiving consumers into enrolling in subscription programs ''.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX )
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
Enclose are all accounts and account numbers. If you need any other information please feel free to contact me.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I HAVE FILED 3 TIMES TO THEM THAT I HAVE NOT APPLIED FOR CREDIT I WAS IN THE HOSPITAL FOR 3 YEARS IN ICU AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO FILE FOR ANOTHER DRIVERS LISC, I WILL BE FILING A XXXX DOLLAR LAW SUIT AGAINST THEM I WANT ALL THIS OFF MY CREDIT ...
Consumer complaint received 2016-06-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. 
PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than XXXX, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of XXXX forms of identification, in order to have these disputed items removed.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (CA)

Experian Credit reports state XXXX score is based partially on the number of inquiries. Experian report shows multiple entrances of an inquiry by THE SAME BANK, ON THE SAME EXACT DAY thereby increasing the inquiries exponentially while decreasing my XXXX score for a none existent reason. Ex : XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX mos in row? ) Experian XXXX ( why show your own inquiry ) Out of XXXX inquiries there were only XXXX I was responsible for. Why are there XXXX inquiries I had no control over. How can I stop future inquiries that are not requested nor required?
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (VA)

On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I have been trying to get Experian to make the appropriate changes to my XXXX XXXX account since 2013 because the account history information is inaccurate. I 've provided proof of payment, which reflects the month and year and still no change. Instead, of making the corrections, Experian added additional inaccurate account history information.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Experian is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Experian did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Experian delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Consumer complaint received 2017-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (IA)

I received a letter from what I assume is a debt collector trying to collect on a Paypal account that has a negative balance, personally I ca n't even understand how a Paypal account could have a negative balance, but more importantly I do n't have a Paypal account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the Iowa Attorney General 's Office. I have attached a copy of the letter that was sent to me.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

Hi there, I have a complaint against Experian Credit Bureau. I have been paying for the credit services that they offer to track my credit and score for the past year. I have paid all of my bills on time and for some reason I do n't have a score with Experian but I have one with XXXX and XXXX. I am trying to obtain a loan and I am being denied because the creditors pull credit from this particular bureau.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have been trying to get XXXX XXXX XXXX and Experian to list my mortgage payment/history but neither will get it done. I have sent letters to both and and have talked to my bank rep. Because the information is not making on to the report my score is much lower than the scores of the other XXXX agencies that do report it.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

Experian is knowingly and willfully placing erroneous and fraudulent information on my credit report. I have sent them the proper paperwork, that shows them the information they are listing on my credit report is fraudulent. 
Experian has somebody else social security number listed on my credit report. Experian has some body else child support account listed on my credit report. Experian has XXXX addresses listed on my credit report, that I have never lived at. Experian has XXXX misspellings of my name listed on my credit report. Experian has XXXX telephone numbers listed on my credit report, that are not mine. 
I have disputed all this information via mail with Experian. I have sent them the original copies of the proper documentation to remove this erroneous and fraudulent information from my credit report. They still will not remove it. Please make Experian remove this erroneous and fraudulent information from my credit report
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I am filing this complaint because XXXX 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 30 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 manner as soon as possible. Thank you.