davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EGL US, LLC (TX)

There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with BMG with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA
Consumer complaint received 2022-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Since I have over 22 % equity in my home, I no longer am required to pay mortgage insurance. I requested to have the mortgage insurance cancelled, but Caliber denied the request without providing an explanation. Also, since I have over 22 % equity in my home, it is no longer a requirement that I make escrow payments to Caliber for homeowners ' insurance. I requested Caliber to stop charging me for these escrow items. On XX/XX/XXXX, I spoke to an employee named XXXX. XXXX said that Caliber will continue to change me for the escrow items, to include the homeowners ' insurance and that my request to discontinue escrow payments has been denied by the management of Caliber Home Loans. XXXX 's operator ID is XXXX. I asked XXXX why the XXXX homeowners ' insurance payment was not made to the insurer, XXXX XXXX. XXXX stated that Caliber Home Loans is going through bankruptcy and payments to all insurance companies had been suspended indefinetely. Despite faithfully and consistently making the escrow payments throughout the year, Caliber did not pay the homeowners ' insurance. The homeowners ' insurance was cancelled by the insurer with an effective date of XX/XX/XXXX. I had to pay the premium of {$2100.00} to XXXX XXXX out of my own pocket.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 around XXXX XXXX PST, Citibank closed my account with the total of {$3800.00}. On XX/XX/2023, I transferred around {$3000.00} from my saving account to my checking account. Right after, I transferred {$2900.00} to my spouse to pay him for what he paid for me. I did not commit any treason or fraud nor did I break any rules with Citibank. I found this situation absurd and would like to make a complaint. I was told I would get a check for my accounts but fear that Citibank might not fully commit on giving my my money back as well.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$3600.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (MI)

Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. 

However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments.

" ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need to re-document and refile this grumbling to TRANSUNION.I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CA)

In XX/XX/2023, I rented a vehicle with XXXX ( XXXX, CA ) and XXXX told me they cancelled the original reservation I reserved as they were going to make a new one for me in office and cancel the old one. I paid for the new reservation at the XXXX, CA branch. In XX/XX/2023 they sent me a bill of {$500.00} saying it was for the rental, but they had told me they cancelled the old reservation already. I had called and they told me it was a mistake on their part and they will remove the charge. Since then I have received a bill every month and every time I got the same bill of {$500.00} I had called with my Father as we were both told that I do not owe that amount. We spoke to several supervisors and employees from corporate and they all said I do not owe it. I called the XXXX, CA branch as well and they told me I do not owe and there is no balance owed. I would like to get this resolved so it is not reflected on my credit. The original employee I spoke to, told me verbally multiple times that the original reservation was cancelled. This total that I do not owe has just been sent to debt collections after being told multiple times that I do not owe it.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I called and spoke to a representative from Experian and there was a language discrepancy it seems I tried to speak as slow as possible and explain that the address on file did not belong to me and I had originally sent in a report that I had identity theft. I expressed myself several times and asked to have my credit report mailed to the correct address that I had given the rep. I pulled the app on my phone to check my credit report and the same addresses are still on my report with an added inaccurate address. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These adrress are not accurate and should be removed. Due to having dealt with identity theft previously there may be information being mailed to these addresses with my name on it with my personal info attached to it. Please remove My correct address is XXXX XXXX XXXX apt XXXX XXXX Tx XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address a fraudulent account on my credit report, which I believe XXXX  from inaccurate information resulting from fraudulent activity. 
I insist that you promptly remove all fraudulent accounts from my credit report. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$4100.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023, I received notification from my federal loan servicer that my federal student loans had been forgiven as part of the Biden-Harris Administration debt relief. The notice indicated the loan servicer had notified, or would notify by the end of the month, all national credit bureaus of my student loan forgiveness. However, they have failed to honor that requirement as part of the forgiveness. On XX/XX/2023, I filed a dispute through Experian. On XX/XX/2023, I received an update in regard to my dispute but it did not result in a change to my loan balance and payment amount. Instead, the loan servicer continues to report an incorrect loan balance and payment amount. Currently, loans that were not part of the debt relief have gone into repayment but my loan balance with the credit bureaus is incorrect. On XX/XX/2023, I reached out to my loan service through a web form which indicated inquiries would be answered within three business days. However, they have failed to respond.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

My wife and I are buying our first apartment together. We both have good credit and assets and applied for a standard 30 year fixed rate loan through XXXX. 

XXXX called me to tell me that my credit reports from XXXX and XXXX came back fine, but Equifax showed a fraud alert, and that their underwriters couldn't go forward as long as that was unresolved. I called Equifax and learned that they had extremely outdated information for me- they had my " current address '' as one I had last lived at in XXXX, and they had the wrong name for me. ( I'm transgender, and I legally changed my name in XXXX. The other two credit bureaus didn't seem to have an issue with this. ) It was difficult to understand the Equifax customer service rep but she indicated that I needed to change my name in their system to remove the fraud alert. She explained that I needed to mail supporting documents ( scans of my drivers license, social security card, and name change order ) to their XXXX XXXX XXXX XXXX and wait XXXX to XXXX business days. I sent in the mail, and called back a few days later to see if I could get a status report. This time they told me that it would take XXXX calendar days to process the name change, that there was no way to expedite this, and that the back office didn't take calls. 

The mortgage contingency date on our apartment is in XXXX weeks, and the closing date is a week after that, and in any case I have no reason to believe Equifax will hold to their 30 day promise. My lender can't go ahead with a clean Equifax credit report so we're working to change the loan so it's just my wife 's name on it, but this is obviously not ideal. If I was single then this would have torpedoed my home purchase altogether.
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

On XX/XX/23 at XXXX I called prestige financial. I asked for a payment deferral since I fell behind in my auto loan. I was told by my account manager ( XXXX was his name I believe ) that since it was toward the end of the month that his allotment of funds he has for his portfolio to give out payment deferrals was already used up for the month. As he said Its first come first serve. I replied saying that they need to offer the same opportunity to anyone that is eligible. His reply was they do not have to offer this type of assistance its just a courtesy they offer. This did not seem correct or legal at all in my opinion because the only options he gave was for me to make a payment. He did say I would have been eligible and he would have helped if I would have called earlier in the month. Again this is not an equal opportunity to all customers especially those who have hardships at the end of the month.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I enrolled in a Chase credit card promotion. The promotion ran from XX/XX/XXXX to XX/XX/XXXX. Customers could receive up to XXXX bonus points in increments of XXXX. I spent over {$5000.00} during the promotion period, and I was expecting XXXX points in my account. In early XXXX I sent a message to Chase, inquiring when my XXXX points would be credited. It had been over 60 days after the promotion ended. Chase responded that I had not enrolled in the program. I enroll in every Chase promotion that I can achieve. How would I know the details of the promotion, unless I enrolled in the promotion?
Consumer complaint received 2023-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (FL)

NOTE : it is NOT a duplicate case, it is the 2nd case against the same collection agency. Please, don't discard this claim, the files attached to this claim are different from case number XXXX even though the content is the same the evidence is different. 

For years, I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance, due to my XXXX XXXX XXXX XXXX  which necessitates lifelong medical protection. The issue arose when the medical service provider failed to submit the bill to my insurance within the required timeframe, leading to the payment responsibility unjustly falling on me. I have made numerous attempts to rectify this situation, proving that I am not liable for these payments, but my efforts have been futile so far. I believe that the provider 's negligence should not impact my interests, especially since I have always been diligent in paying for my medical insurance. In response to this issue, I decided to send a debt validation letter to the collection agency that acquired my debt. However, the 30 business days provided by the Fair Debt Collection Practices Act ( FDCPA ) for a response have elapsed, and to date, I have not received any communication from them
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.