davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Universal Finance, Inc. (SC)

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
Consumer complaint received 2017-03-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (OH)

They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RFNA, LP (SC)

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
Consumer complaint received 2020-09-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Loan # XXXX XXXX attempt at resolution. 

I was denied a va cash out refinance on the basis that I did not meet the Va occupancy requirement. my ID & bills have the address in question on it. The loan number in question is XXXX. The address is XXXX XXXX XXXX, XXXX Ga XXXX. I have attached a copy of my ID, water, & electricity bills to verify my residency.
Consumer complaint received 2015-06-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (FL)

Debt CollectionMy sister sent me a recorded message from a XXXX XXXX that threatened to serve her court papers at her home or job regarding allegations against XXXX XXXX for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in XXXX 2011, and that the company was fully prepared to press charges to the fullest extent of the law with Felony Theft Charges if the debt was not resolved. I asked what company and she said XXXX XXXX. She offered me a deal to pay that day but I explained that I had no money and an eviction notice in my apt . I offered to set up an auto payment for XXXX XXXX, since XXXX that elect XXXX pays get a lump sum on that day. She told me to call back. When I called back she said the company said no. They wanted the money right then and will press charges for Felony Theft to the fullest extent and Fake check writing charges which could have fines in the XXXX of dollars and up to 10 years in prison. They would send that info to the circuit courts and I would have a warrant issued. 
She said the sent letters and emails notifying me of this situation. The letters were sent to and old address XXXX XXXX XXXX XXXX, FL XXXX. I told her that I have not been at that address for years. She said Check you email. I explained to her that I had and I did n't find anything. I then requested some kind of documentation of the debt. I said, " would you please send me a copy of the debt? '' She said, No they wo n't cuz that would give me another 90 days and the company is prepared to file charges. If I could at XXXX. That day they would press charges for over XXXX in finance charges. I then requested a web address and account number so that I could at least look up the debt. She said, " no they did n't have XXXX because they are working for the attorney office. " I then asked if she be able to send it to my phone via text. She said, No, that they would not send anything. That I just needed to pAy the debt. I asked her if there was anyway I could verify the debt and that I am not refusing to pay it if I owe but I need to make a payment setup plan and I needed to make sure the debt was legitimate. She said no that they would n't send me anything. I then told her that I would have to get back to her. 

XXXX We received Arrest warrant against your name under ACT XXXX ACT XXXX ACT XXXXKindly call as soon as possible before the case is downloaded into the court XXXX order to get brief information about the case before you have any trouble atyour home or job. 
XXXX XXXX # XXXX XXXX
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for XXXX XXXX could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.
Consumer complaint received 2022-04-01
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. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) U S DEPT OF ED/XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) U S DEPT OF ED/XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2017-12-06
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: ENCORE CAPITAL GROUP INC. (GA)

I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.
Consumer complaint received 2022-04-01
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

XX/XX/1999 XXXX XXXX XXXX owner of first citizen banshares of XXXX ga XXXX XXXX XXXX XXXX ga. Died .made me the owner of the company, first citizen banshares , has fail too give me a copy of the company operating agreement, aka deed of trust, or testimony will deed too the company, also they have fail too give me, cpa accounting too what they are doing with my money on the personal side of the company ... business address on file that is has a registered too sec of state XXXX XXXX. And on the probate court of XXXX ga. Is XXXX XXXX XXXX XXXX ga. It says. XXXX XXXX beneficiary 3rd party too all of this .i am not talking about a account in the bank. I am talking about the ownership of this business.. The paper in the probate court spill out XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, as owner or trustee heir. ... all the names in this text including the company agent has fail too give me my legal papers. Too the company. I am requesting all this information, from yall today. With out this information. I dont. No what i can do or not do. And i dont. No the operational agreement release date for yall too be canceled, too been a active power of attorney for me .so it like yall got the company, like yall own it and i am nothing. Please make this rite. Or be liable for all court cost. Or legal action that will be taking. On the behalf of my request. Everything in this text need too be reviewed .i am at a place, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX deceased owner has various of companies, XXXX XXXX mortgage XXXX XXXX XXXX XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all of this stuff is old money come from the XXXX XXXX and XXXX XXXX  families. Also a court appointed administratior been request this information from yall too .XXXX  XXXX phone XXXX # XXXX ... XXXX! A XXXX peacock attorney at law. Atl ga. They or yall are refuse too come off my rights. Please stop abuse me .and the court system. When yall can do the right stuff thanks.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

I have been receiving threatening letters from Citimortgage regarding my condo in Florida for about a month. The letters request information regarding my hurricane and flood insurance on the property. I submit the information to the website and fax the declaration pages of both policies as requested. Subsequently, another letter will arrive each XXXX threatening to add fees and insurance bills onto my existing mortgage. Again, I update the website with no success. In addition, the bank calls my personal insurance agent numerous times asking for personal insurance information. I called customer service XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. During the initial call I was informed the bank needed master policy information from my homeowner 's association NOT personal insurance policy information. When I asked why the numerous threatening letters did not specify this I was given the runaround. I provided the contact information of the individual who could provide all insurance information regarding the condominium association. Citimortgage continued to call my personal insurance agent for information. Now I am told if the insurance info is not received within a certain window of time XXXX which they wasted with nonsense letters ) I will be charged fees and insurance costs to my mortgage. I stated I refused to pay any fees or insurance when I am adequately insured and was promptly hung up on by Citimortgage customer service. I would like to file a complaint regarding discrimination and unfair business practices. If the bank is going to treat customers in Florida who reside in a flood zone in this manner they should be penalized for such business practices. Ultimately, I REFUSE to pay insurance on my mortgage for insurance I already have but Citibank is too confused to properly ask for.
Consumer complaint received 2024-02-21
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX, OH XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
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: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile Adjustment Bureau negligently inserted an inaccurate, unverifiable, erroneous entry on my credit reports. In XX/XX/2021, I obtained a copy of my credit reports and noticed that this company has inserted an entry on my reports. However, I had never received any correspondence from them such as a dunning letter nor have I ever had a conversation with this company. Upon discovering this entry being added to my credit reports, I immediately disputed with Mercantile, ( see attached ). To date, I have not received any correspondence from this company. In my efforts to resolve this error and negligence on their part and to have it removed from my reports, I am requesting this entry be deleted immediately from the fact that Mercantile Adjustment violated my consumer rights. 

The entry on my reports reflect that Mercantile Adjustment reported this entry XX/XX/2021 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

according to 15usc 1681 under the exclusion section 2a1 the fair credit act states the company must show proof of ownership to debt i asked for original paper work to accorded debt in XX/XX/2021. i have not received any reply nor have they took off this debt that i do not own.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

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 which was violated. 

Additionally, EQUIFAX initially investigated and reviewed my FTC report and DELETED the inquiries for XXXX  inquiries and violated and failed to comply with FCRA consumer law by RE-INSERTING the inquiries back to my report ( see attached documented proof of FTC and EQUIFAXS own written document deleting inquiries from EQUIFAX CONFIRMATION # XXXX!!!! ), a month later!!
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these Inquaries deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX PIN : XXXX Copy of Drivers License : XXXX Copy of SSA Card : XXXX Copy of Car Utility Bill Insurance :  XXXX Please remove Security Freeze, Fraud Alert, and Statement I am attempting to purchase a Home ( Mortgage ) and a Vehicle ( Auto Loan ) from all ( 3 ) Bureaus : XXXX, Transunion, and XXXX. 
Please allow lenders to pull my credit. Phone Number XXXX is no longer my phone number. Please remove this phone number. 
Thank you, XXXX XXXX XXXX XXXX The phone number on my personal statement is incorrect. My correct phone number is XXXX and XXXX. 
XXXX  : XXXX XXXX, GA XXXX XXXX  : P.O. XXXX XXXX, XXXX, TX XXXX Transunion : P.O. Box XXXX XXXX, PA XXXX XXXX  XXXX Security Freeze P.O. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion TransUnion XXXX XXXX XXXX. XXXX 2000 XXXX, PA XXXX
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX SSN XXXX, DOB XXXX/XXXX/XXXX. There are about 40-50 inquiries on my credit report if not more that I DID NOT authorized, i contacted the creditors and they told me to deal with Experian which to this day all they say is inquiries are valid without even investigation, I noticed all of these inquiries appearing after the data breach, and I need to have all inquiries removed right away. I did n't authorized the inquiries and they were not made by me, I am only supposed to have like 2-3 inquiries. I 'm not sure if Experian has have any hacks or anything but they are not mine, I do not want to hear a resolution saying that the inquiries are going to stay and that they are valid, ACTUALLY INVESTIGATE AND REMOVE ALL INQUIRIES.