davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

sonal Statement All My Passwords, Username, Banks Information, SSN, ID Information Are In My Note On My Phone. someone hacked inside my phone to access these accounts. I had Multiple accounts open in my name, Im still TO THIS DAY getting out my name.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED (OH)

I have been paying the monthly mortgage on time every month, as per the mortgage origination document. Due to a gap in home insurance, I had to pay an additional {$2100.00} in XX/XX/2022. During that time of mutual communications for proper explanation, the mortgage company added {$95.00} as late fee for every month. Now, they are asking more than {$2300.00} as additional payment to make the account current. Their explanation for this amount is NOT transparent and looks fishy procedures.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I sent a certified letter to both tower loan central and to their corporate office in Mississippi about the constant harassment I have received from Tower Loan Central. The letter has made no difference they are still constantly harassing me calling my phone. calling my relative and friends phone, and showing up at my house everything that I had asked them not to do in the letter. This is not my first complaint on this company. This time is however the worse because even when I told a representative that she is not supposed to be contacting me by phone and can only contact me by mail she got aggressive in her tone with me and continued to ignore my request for me to not be contacted by phone.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

On XX/XX/2021 I closed my Chime Bank checking account with approximately {$70.00} remaining. To date, I have received nothing. I am blocked from using the chat feature. 

I understand that this is a common practice with Chime.
Consumer complaint received 2023-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (TX)

In XXXX of XXXX I found out fraudulent student loans were taken out in my name in XXXX while I was still in high school. I contacted ECMC to make them aware I was a victim of identity theft and they refused to remove the loans. On XX/XX/XXXX I received a Finding and Order from the XXXX XXXX XXXX XXXX in XXXX XXXX Texas. This finding specifically addressed the fact that I was a victim of identity theft regarding these fraudulent loans. On XX/XX/XXXX I submitted the Order and Finding to ECMC and as of todays date they have refused to remove the fraudulent loans from my record. The loans are fraudulent and I am unable to attend school due to this. The loans are fraudulent and need removed. 

Finding and Order of Identity Theft attached to complaint.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX To Whom It May Concern : I ( XXXX XXXX ) am writing this letter/email because a great injustice has occurred. I am a social servant. A law abiding citizen who has never been in trouble with the law. On the contrary, I am A XXXX XXXX with an XXXX who has serviced families on the front lines equipping families and individuals to live an optimal life. 
Ironically, I'm attempting to be an example by overcoming many of my own trauma 's one which is being a XXXX XXXX. I was perpetrated against in XX/XX/XXXX. I took my pain and decided to focus on something worthwhile. I decided to get out of that relationship and focus on me so I started to build my credit, complete a first home owners class and started saving for my own home. I had to rebuild myself. 
Things were going according to plan my credit scores began soar from XXXX 's mid XXXX 's. On XX/XX/XXXX I decided to help my scores by paying down my XXXX XXXX and filed a dispute so records would reflect accurately. On XX/XX/XXXX I decided to pay down my XXXX XXXX again and filed a dispute once again so that records would reflect accurately. With each dispute I feel as though I was penalized harshly for doing so. 1st dispute my score took a hit 50 points and 2nd dispute my score took a hit 45 points. ( my points don't even get hit that hard when I max out my credit card, the points taken from me were XXXX ). 
As of XX/XX/XXXX Myfico XXXX score is reflecting XXXX. All my hard work gone, chances of getting home slim to none with such a low score. I have maintained a Fico score of ranging from XXXX since XX/XX/XXXX. I take great pride in paying bills on time and increasing my credit score as I have dreams I'm attempting to pursue. 
Please Assist XXXX is no reason why my score is reflecting at XXXX. My credit report is in error please investigate and make right. I called Equifax and was told that they no longer have FICO scores but Advantage and I was told that they didn't report anything and not sure how or why my points dropped 45 points though My fico transcript reflect that it was in deed Equifax. I am in need of my XXXX points reversed back to me, please help.On XX/XX/XXXX I was disputing the First XXXX XXXX of {$200.00} because I had paid bill down to XXXX on XX/XX/XXXX, by the time dispute was complete XX/XX/XXXX I had made purchases on my card totaling {$100.00} over 10 days dispute was pending .This is in Error I never disputed the {$100.00}, please correct. Again I was Only disputing {$200.00}. I need Justice not a hand out. I work extremely hard and diligently at paying all my bills on time. I shouldn't be penalized for exercising my right to dispute inaccuracies on my credit report. Thank You for your time. Enclosed you will find documentation supporting my case. utilizing their supports. Thank you for assistance in addressing this matter. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (NJ)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.
Consumer complaint received 2024-03-29
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. (WI)

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 XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-05-31
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (CA)

The company is Specialized Loan Servicing. This is a 2nd mortgage that I received a letter and put to our front door for foreclosure on XX/XX/XXXX  and schedule to sell in the public after 3 weeks XX/XX/23. This 2nd mortgage is included to our XXXX  XXXX bankrupcy and just pop out after XXXX yrs. is fraud. I was trying to contact them no answer just answering machine to go into the website. This SLS company is frauding us to collect XXXX and even our first mortgage has not even modified. Please help to call this company and I mail a letter to check and letter for qualified written request. Today is XX/XX/XXXX  and schedule to sell in the public. Thank you
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NC)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX, I sent over detailed documentation to Capital One related to a service that was fraudulent. I provided documents including the owner/ service provider admitting that the service was faulty. When the service provider offered myself an alternative service and a later date, she never followed through with scheduling leaving myself with a faulty service and no accommodation. Capital One has no interest in protecting their customers.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

In my credit record it shows me that I have a Citi bank card worth {$30000.00} which does not belong to me, at no time have I shared my personal information or any other information so that this account appears in my report. 

There are so many errors in this account that only the XXXX  reflects is not an account that the 3 credit agencies verify so any information about this account does not belong to me at all.
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Hi, We have been a victim of a scam. My wife applied for a job on XXXX for which she had some communications back and forth and ultimately she was told that she has been hired. Company representative sent her a check of {$2900.00} ( XXXX XXXX XXXX  ) and told her that she need to use this money to set up office at her home and would require us to send money to some company authorized vendor to purchase work equipments. We submitted that check in our Chase Bank thru the app. Upon submitting check was showing as pending. We called the Chase Bank and we were told that when check will be cleared it will show Money in our account as available balance and nothing will show as pending. That will be the confirmation from our side that check got cleared. Status in the bank account was showing as pending until XX/XX/XXXX before the check was reverted by the company ( XXXX  ) stating us that they will issue us a new check. We were issued a new check on XX/XX/XXXX which we submitted again thru the app It was still showing as pending same day. Next day ( XXXX XXXX XXXX ), money was available in my account and it was showing nothing as pending. Based on the earlier communication and online status in our chase account we were satisfied that check has been cleared and there is no risk now. After that Company representative has sent us a contact saying this is a vendor you need to transfer her {$2900.00} ( Two transactions {$1400.00} and {$1500.00} ) so that work equipment 's can be shipped. We did the XXXX transfer thinking that check has already been cleared since at Chase bank side nothing was showing as pending. Eventually we found out that company was a fraud and after the XXXX transfer chase informed us that check has bounced deducted {$2900.00} from our account leaving our account in negative. We became victim of fraud. We have already filed a complain with chase bank saying that why you confirmed us that check has been cleared. Based on the confirmation only we did the XXXX transfer. We help us getting our money back. We lost {$2900.00}. We can provide additional information if asked. 
Thank you
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (TX)

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days.