davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

Hello, there is a tax lien public record with docket number XXXX with XXXX filed on XX/XX/2014 that was noted on my file that I have been trying for the last 5 months to get this entry removed. 

I have spoken with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a supervisor and asked from Equifax on how credit bureaus verify their public records. I want to know this information because the public record keeps coming back as verified every time. I had 5 representatives inform me that the dispute is sent as a letter to the courthouse via XXXX. Once the court verifies it, the information is sent back to the credit bureau. 

To make sure the correct information was processed, I contacted the court house and they educated me that they do not disclose any information via the credit bureaus. 

I decided to call Equifax back to speak with another supervisor, but this time they advised that the information is reported by the 3rd party who contacts the court house. 

I asked what information does the 3rd party give to the courthouse, and how & what kind of physical information does the 3rd party give back to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Equifax refuses to give my physical documentation that they use to verify this tax lien is mine and reporting accurately per the Fair Credit Reporting Act.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (MO)

Please help two people are trying to open accounts and say they are me, they even opened an account with Credit Karma, under my email address, but has there own pass code, so I could not open an account at Karma. Could someone please call me asap, this is fraud, I can get any of my reports because they put phony info on apps they filled out, not since i cant answer some of there questions, I cant get my reports to see what these people are doing, I know one is my brother They robbed my home twice in 5 years. I am getting a lot of mail in there names sent to I have lived here 20 years, please can you report this and help me find out what they have done or trying to do
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (IL)

I applied for and was granted a {$7500.00} student loan by American Education Services ( AES ) in XXXX, to be paid by XXXX ( nw XXXX ), for pre-law studies at XXXX Universityy in XXXX. I never received payment, but my loan went on the AES books as an Account Receivable. I took only one class at XXXX, and paid for it out-of-pocket. Fast-forward to XXXX : I am being hounded by a collections law firm in suburban XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL ), as they bought the paper on a claim that AES was awarded a default judgment several years ago for this " debt '' on a payment never received on a loan never used. AES can not produce a copy of the cancelled check with my signature, XXXX has no record of a deposit of that size, and as they not do this kind of loan, they have no XXXX records of the check, either. Saturday, I received notice of a hearing in XXXX to issue a wage deduction summons for {$21000.00}, for the " loan '' plus interest and court costs. This is absolutely outrageous, to put it mildly.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma (ID)

Hi on my credit report there are some names that are under my name and I only go by XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something all the names have been reported to the police and opened a report of fraud. Please help me take these names off because it 's messing up my life.
Consumer complaint received 2016-05-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

These people are loan sharks! I am a XXXX. My husband was the only XXXX in my family working while I attended college. He left as soon as I finished. I have XXXX daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to XXXX, so I am returning to school to get a XXXX. AES is ruining my life. They want me to pay them almost {$600.00} a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't even want to live because of them. I want to pay them and I will pay them, but I can not pay until I have a job. The only way I can get a job is to teach. This company will not relent and they will call you until your phone blows up. It is no use trying to work out something with them. They will not listen and they 'll write you back the same thing they said all along. Please help! XXXX
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

My stafford direct subsidized and unsubsidized loans were transferred to PHEAA because I work for the Federal Government and am pursuing the Public Service Loan Forgiveness ( PSLF ) plan. I am on the Income Based Repayment ( IBR ) plan. My employer paid {$5000.00} to my servicer on XX/XX/XXXX as part of a retention benefit, reducing my principal. I had turned off " pay ahead. '' On XX/XX/XXXX, I noticed that my repayment amount under IBR ( which has been revised to the standard repayment amount, due to my income ) remained equal to the amount in past months when principal was much higher. I contacted PHEAA, who via their frontline employee and supervisor Ha, ( PH XXXX ) insisted that in order to have my monthly payment amounts reflect the newly reduced principal amount, I must leave IBR and switch to standard repayment. Although I insisted that this made no sense since IBR repayment amounts are capped at the standard repayment amount and this means that given the lower principal amount, I am now being overcharged, they refused to admit that this contradicted Dept. of Ed. Rules regarding IBR repayment. PHEAA insisted that unless I switch to standard repayment, I will continue to be charged the monthly repayment amount that corresponds to much higher principal. PHEAA services all loans under PSLF. As a result, this practice is not only directly harmful to not only my eligibility for PSLF ( as I will be overpaying and ultimately eligible for less PSLF forgiveness ), but to all public servants. These practices run contrary to the basic principle of IBR repayment, that it should not exceed the standard repayment amount, and contrary to guidance that IBR is the best option for PLSF, solely administered by PHEAA. I appreciate your assistance in resolving this before my first overpayment would be charged this month ( on XXXX XXXX ) and ensuring that no other public servants have their benefits under PSLF unfairly affected by PHEAA 's deceptive practices. I also submitted a complaint to the student loan ombudsman on XXXX/XXXX/16, reference # XXXX. Thank you.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have been the victim of identity theft. Someone has gone to multiple departments to open up lines of credit. These stores include : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX as the so far listed names. As I did further investigation, I also have suspicious detailing of someone pulling up my credit report.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax has ignored documents that were sent to them proving that XXXX XXXX does not have the legal right to report or collect on alleged debt. Equifax did not properly investigate my dispute. XXXX XXXX lies to Equifax and they allow it. I sent in proof but Equifax did not take it in to consideration. Instead they ask XXXX XXXX if it is correct and XXXX XXXX lies and says it is. XXXX and XXXX both removed the trade line from my report as they acknowledged that XXXX XXXX had no legal claim.. XXXX XXXX has also lied to the CFPB in a separate dispute that I made directly against XXXX XXXX. I am not protected. Equifax has allowed Ad astra to violate my rights. I am a resident of Texas and XXXX XXXX clearly violated Texas XXXX. I sent in proof and it was ignored. I have attached a timeline and evidence that XXXX XXXX did not comply with Texas law.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

There is XXXX State of Ohio tax lien still showing on my report that were withdrawn XX/XX/2017. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Ohio State release forms ( which I will also attach here for you ). I have also verified and sent this to the other credit bureaus XXXX and XXXX and they have removed the lien from my credit report immediately. Equifax continues to improperly report the lien and refuses to recognize the withdrawal and removed it from my credit report.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Kinum, Inc., Indianapolis, IN Branch (CA)

Instrument Rental : KINUM XXXX Kinum was the Instrument rental company that my Son 's school ( XXXX XXXX XXXX in XXXX Texas ) used. 
XXXX of 2013 the Instrument was returned to Kinum. My Son passed away XXXX XXXX 2013. These villains are still showing this as a collection account on my credit report. I am not in possession of the receipt or the musical instrument. Kinum took the instrument as well as the receipt when I brought the instrument back to XXXX XXXX XXXX in person. They told me they needed the receipt to conduct inventory and that they would mail the original receipt to me. Something they obviously never did as promised.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RFNA, LP (MS)

I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My FICO score has been dropping ever since the Federal Reserve began debating raising the bank interest rate a few months ago. Because there is no logical explanation for the drop, I believe the XXXX major credit reporting agencies are manipulating ( i.e., artificially lowering ) consumers ' scores to prepare for the rate hike. I am asking that the CFPB investigate this matter as soon as possible. 

( I understand that my complaint does not actually belong on this form. When I tried to explain that no form fits my complaint to a CFPB person, staffing the hotline, she directed me back to this form. )
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax reporting several incorrect information for several accounts- XXXX-No updates since XXXX XXXX XXXX XXXX updates since XXXX-incorrect balance XXXX-No updates since XXXX XXXX XXXX-No updates since XXXX XXXX ; incorrect balance XXXX-Still showing an open loan with a balance of XXXX Account PIF
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as XXXX, Equifax and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA XXXX
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. 
XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have started and paid for a monthly fee to monitor and dispute inaccurate information on my XXXX bureau report through Equifax. For the last several years, although I have proven that I have paid the accounts in full, and also provided the release of lien information, the bureau 's continue to state that the trade line will remain unchanged. I have been unable to get credit, purchase a home ( which would reduce my living expenses by {$600.00} per month, and have been harmed as I have been paying monthly for the service that does not do what they say they will do. The disputes I have submitted, even with proof have remained unchanged. The liens in question are from XXXX XXXX County for the State of CA FTB. I have verified with CA FTB the account is at a XXXX balance, yet they have not yet published the release of lien. I have also requested this several times. Therefore this complaint is also filed against the state of CA Federal Trade Bureau for not reporting the lien as released or resolved in a timely manner which has not only affected my credit report but also my financial capacity to borrow money, be seen as credit worthy, and has cost me money each and every month for the membership to Equifax to attempt to resolve these issues. I have called FTB on many occassions as recent as XXXX/XXXX/XXXX. The wait time to speak to a representative is up to nearly 3 hours. When I do speak to them, it is verified the account is at a XXXX balance and that I am in good standing. I am told the lien will take 2 weeks to release, but as of 3 weeks ago when I was last told this the lien has not been released. I lost the contract on a property as this is one of the major issues we could not overcome. We have nearly {$4000.00} invested into the purchase contract which is now lost and cancelled. I am considering filing a lawsuit to recapture these losses and the monthly expenses for the membership, as well as puntative damages. The liens were filed and should have been released no later than XX/XX/XXXX. In XX/XX/XXXX I began to request the liens be released. To date the liens are still active. Going to FTB website they recommend contacting the bureau 's to resolve the mis-reporting. I have done this however, the bureaus indicate that FTB has to initiate the release. Either way, neither is doing anything about the lien although the accounts are all at a XXXX balance and I am in good standing. I wish to be made whole financially as well as have my credit restored to the condition it would have been if not for the mis-reporting and delays.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX is a fraudulent account. I have been trying to get the account removed for months. Every time I receive a dispute complete letter from Equifax , it says, we verified that this account belongs to you. So, I went to my local police station, filed a police report and got an identity theft affidavit. The officer at the station even called XXXX XXXX XXXX and was told if I send in those XXXX documents, that Equifax would be allowed to delete it from my credit report. So, I went ahead and faxed the information in, only to receive another dispute status saying that Equifax verified it is my account. XXXX have already deleted it. I am not sure what the issue is with Equifax but this fraudulent account is weighing down my credit score.
Consumer complaint received 2015-05-13
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I bought XXXX {$500.00} Gift card issued by U.S. Bank National Association at XXXX 's in XXXX, CA in XXXX. I still have the physical card, original receipt. I planed to gift them to my friend for his birthday. When I checked balance before I gave them out in XXXX, They were showing less than {$20.00} on each card. Some XXXX made purchased in XXXX, Rhode Island. I have never been there and I have my cards all the time. I called customer service, a rep shut down my account and my account was under investigation. I called them back in XXXX XXXX, the operator said my case was still in investigation and there was no time frame and there was no guarantee that I would get my money back. I am worried because {$1500.00} is a lot of money. Then I started to do research online. I found out there are a lot of gift card fraud in XXXX California and US bank has very bad reputation. Some victims waited 7 months but No one got money back after investigation. 

There are a lot of victims out there like me. I attached a blog link XXXX XXXX
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (WI)

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( Elan Financial - Cardmember Services ) .Elan Financial Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with Elan Financial - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told by a call center advisor atr cfpb that I had to create separate complaints for each bureau the information is being reported to incorrectly and XXXX for the financial company so this complaint is a direct complaint against Elan Financial - Cardmember Services.