davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance XXXX ) ( XXXX, XXXX ACCOUNTS <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / NELNET> Closed on XX/XX/XXXX, Highest balance XXXX XXXX ACCOUNTS- <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$9000.00} <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$2400.00} ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act XXXX  XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I am filing a SECOND complaint about a new ( THIRD ) harassing letter I received from NewRez claiming i did not have HOA insurance ( i do and always have ) in which they threaten to buy me Hazard Insurance and bill me for it. This is very similar to the complaint I filed a few months ago. After sending them MORE copies of my insurance, they closed that old complaint. But just one month later, NewRez mailed me a NEW LETTER dated XX/XX/XXXX  claiming the HOA had expired and they were going to buy me insurance. 

I contacted my lender and confirmed that our coverage had NEVER EXPIRED. It has been renewed and we continue to make payments. They submitted proof ( AGAIN ) of this online to NewRez.
Consumer complaint received 2024-01-13
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

On XX/XX/24, I received a letter that you are trying to collect a debt written off and that there is no legal contract or agreement between Midland Credit Management and myself that would validate your authority to collect this debt. Without a legitimate contract or agreement, your continued attempts to collect this debt are unlawful and unenforceable. I believe that your actions in attempting to collect this debt violate the Fair Debt Collection Practices Act ( FDCPA ). 

I demand that Midland Credit Management immediately : Cease all communication with me regarding this debt, except to inform me that you are terminating collection efforts or to notify me of specific legal actions. 
Provide thorough validation of the debt as required by law, including documentation proving that I owe the debt and that you have the legal authority to collect it. 
Correct any false information you may have reported to credit bureaus, and confirm these corrections in writing. 
Failure to comply with these demands will leave me with no choice but to pursue all available legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering potential legal action for violations of the FDCPA. 
I expect a written response from your office within XXXX days of receipt of this letter, detailing your steps to resolve these issues and providing the required validation of the debt. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

Several years ago I received a notification from XXXX XXXX XXXX XXXX that my order was received and shipped. Ive never had XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was assured the shipment was stopped and all was resolved. Last year a delinquent account popped up on my credit. It was a collection company unable to collect a XXXX XXXX XXXX XXXX balance. I disputed it and it was taken off my credit. Recently a different collection popped on my credit. Different collection company but same XXXX XXXX XXXX XXXX account. As I said I resolved this because it was fraudulent. It was turned over to collections without sending any information to me about it. The only knowledge I had was the shipment to someone in my name and XXXX XXXX XXXX XXXX assured me it was resolved. I disputed the latest collection on my credit but this time they said it was verified. This blows my mind how this could happen.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I submit this complaint today to notify you that I have been a victim of identity theft. Upon researching the process to remove fraudulent items from my report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Enclosed are the documents to assist in the removal of erroneous information currently posted on my report. The following is a list of items that do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

LVNV FUNDING LLC  XXXX This company was supposed to have sent a report to the credit bureaus indicating this account did not belong to me, I never signed a contract with them and had identity theft a while back which I included various police reports and FTC Reports indicating this and was deemed fraudulent by the company this company BOUGHT THE DEBT FROM- yet it remains in my credit report blocking me from purchasing a home. It needs removed immediately.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your efforts in addressing the removal of certain fraudulent entries in my file attributed to an alleged identity theft. However, some items still remain unresolved and necessitate removal. This marks my second communication as a victim of identity theft, wherein I contest specific entries in my file resulting from the aforementioned crime. The items subject to dispute are not linked to any transactions involving the acquisition of goods, services, or authorized monetary transactions. Please eliminate the reporting of the following items in my credit file resulting from an alleged identity theft. Additionally, I have included my new FTC report numbers : # XXXX and XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance - XXXX XXXXXXXX XXXX ( Original creditor XXXX XXXX # XXXX ) XXXX Balance {$950.00} Bankruptcy XXXX XXXX Filed on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$20000.00} XXXX XXXX bankruptcy discharged Filed on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX!
Consumer complaint received 2023-12-01
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. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance, is reporting our transactions and experiences to two of the major credit agencies XXXX XXXX XXXX report on XX/XX/2018. A report to my consumer report that was not authorized or sanctioned by the consumer ( I ) has now damaged my credit score extensively. This report is a direct violation in accordance with U.S. code Title 15 1681a section ( 2 ) Exclusions subsection ( ii ).
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding unauthorized charges made on my WELLS FARGO BANK debit card. Despite my efforts to resolve this issue with your bank, I have received no satisfactory resolution, and I am now facing significant financial & health consequences that could have a devastating impact on my business. On [ XX/XX/2023 ], I discovered several transactions on my WELLS FARGO BANK statement that are not authorized by me. The charges were made without my consent and are in clear violation of my rights as an account holder. Immediately upon noticing these unauthorized charges, I contacted your customer service department to report the issue and request assistance in rectifying the situation. During my conversations with your representatives, I provided detailed information regarding the unauthorized charges and explained the urgency of the matter. However, to my dismay, I received little empathy or concern for the financial distress this incident has caused me. Despite the overwhelming evidence of fraudulent activity, WELLS FARGO BANK has failed to take appropriate action to investigate and reverse these charges promptly. Regrettably, due to the funds drained from my account without authorization, I am now unable to fulfill my health obligations, specifically filling my XXXX  medication prescription. My medicine serves as a vital component of my life. The inability to meet my rental obligations will undoubtedly result in the loss of my office space, jeopardizing my client relationships, and tarnishing the reputation I have worked so hard to build. As a dedicated customer who has trusted WELLS FARGO BANK with my financial needs for several years, I expected a higher level of service and urgency in addressing this matter. I kindly request that you take immediate action to investigate the unauthorized charges, refund the full amount to my account, and reinstate my confidence in the security of my funds. Furthermore, I implore you to provide me with a detailed explanation of the steps being taken to prevent similar incidents from occurring in the future. As a consumer it is essential for me to feel secure in my banking relationship and confident that my financial interests are protected. I anticipate your prompt attention to this matter and a resolution that addresses the financial damages I have incurred and health damages I could potentially face. Please understand that the consequences of this unauthorized activity extend far beyond a simple inconvenience and have the potential to irreparably harm my business and professional reputation. Thank you for your immediate attention to this urgent matter. I look forward to your swift response and a satisfactory resolution
Consumer complaint received 2024-01-12
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. (PA)

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 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 2024-01-12
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. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$430.00}.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (GA)

i checked my credit. And saw a collection. notice from BERLIN-WHEELER-KS View Account Details Account owner Individual Account Date reported XX/XX/2023 Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/2023 and i have no knowledge of this account
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In order to REMIND the Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX Credit Bureaus MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-11
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. (IL)

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.

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 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank arbitrarily lowered my credit limit from {$2500.00} to {$880.00} for no good reason. 

I have been a customer of Citibank credit since XX/XX/2023. I have paid my bills on time every month. Yet, in under a year of being a customer of the bank, they took away most of the very reason I'm with them : my credit. 

Furthermore, I have paid my credit card bills on time, every month, with all other bank credit cards outside Citibank. 

There is no good justification for the reduction of my credit limit. 

They say that I am using too much credit on other bank cards. If I'm given credit, I'm allowed to use it. And as long as I pay on time, I shouldn't be penalized for having credit and using it when I need it.