davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (IN)

I ask that the cfpb please help me to get the credit reporting agency. 
1, XXXX to please do what the FCRA and the FEDERAL LAW DEMANDS on section 609 ,1, a,1, of the FCRA where the reporting agency has to provide my origional signature on the consumer contract with in 30 days or be deleted from my report. I have tried to call Senex the creditor and they can not verify that this debt is mine by the signature and I submitted a formal dispute with XXXX and they came back with accurate but failed to provide me with any signature as the FCRA 609 demands and not suggests.

the report number is XXXX XXXX
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

Discover Company has been constantly sending me promotions and pre-approvals. I have a good standing credit score and have been getting an insane amount of predatory pre-approvals from the aforementioned company. I have finally decided to give in and apply for their credit card to be denied. While my understanding is that the pre-approvals do not mean guaranteed approvals of lines of credit afterwards, this type of predatory marketing behavior where a company gathers data out of hard credit pulls and markets heavily only to then negatively impact the consumer is a form of undjust enrichment and goes against " in good faith business ''. I have tried reaching out to the company to contact the credit bureas to get the inquiry removed, but they denied so. In the name of the consumer financial protection.
Consumer complaint received 2019-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2019 TransUnion LLC received ( 2 ) letters from me, a letter of dispute for unverified accounts and another letter to update my address. ( evidence attached ) I was informed by mail on XX/XX/2019 that another form of verification was needed to update my address on file. I contacted TransUnion by phone and was advised that my dispute investigation would not be halted however processing the address update would be delayed until certain documents were received. 

The week of XX/XX/2019, I received ( 2 ) dispute results with the issue date of XX/XX/2019. ( 1 ) letter was mailed on XX/XX/2019, the other mailed on XX/XX/2019. I contacted TransUnion and spoke with a XXXX then his superior XXXX regarding this violation. XXXX advised me that the investigation was completed on time and the correspondence was mailed out on XX/XX/XXXX & XX/XX/2019. I inquired with XXXX as to why both sets of communication had the issue date of XX/XX/XXXX if ( 1 ) of the reports were issued on XXXX XXXX. XXXX responded, " We have a different address on file for you than the one you verified at the beginning of the call. '' This doesn't make sense, I received communication from TransUnion once in XX/XX/2019 and twice in XX/XX/2019 at the address I provided. However, the notice they mailed on XX/XX/XXXX was mysteriously sent to a different address? Every document I sent to TransUnion included my name, social, date of birth, and ADDRESS at the top of the document along with an up-to-date license and current bill/bank statement with my address. How could the XX/XX/XXXX mail have possibly gone to a different address? 

After advising XXXX of these facts, she placed me on hold to review the documents sent in. Then, she informed me she could send me the results from XX/XX/XXXX today ( XX/XX/XXXX ). I told her, I already received those results twice, sent XX/XX/XXXX & XXXX ISSUED on XX/XX/2019. She then informed me that those are just copies of my credit report not the results of the investigation. So does that mean, I never really received my results because what I have is just a credit report and not the dispute results? But I thought the updated credit report should reflect the dispute results??? 

Either way as of today, XX/XX/2019 I have yet to receive my official dispute results per the conversation I had with XXXX this morning and TransUnion LLC is in violation of the federal law for non-compliance.
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (PA)

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX NA # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX  - TOTAL V # XXXX XXXX  XXXX   XXXX XXXX  - XXXX  V # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 XXXX 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 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (AZ)

I, the consumer, applied in good faith for a personal auto loan on XX/XX/XXXX for the amount of {$84000.00} for vehicle vin # XXXX. NAVY FEDERAL CREDIT UNION denied my application, stating denial based off information on my consumer reports and my credit score. I informed NAVY FEDERAL CREDIT UNION several times that there is no federal law stating that they can deny me an extension of my own credit. And in denying me, they would be causing adverse action against my natural and legal person. I informed NAVY FEDERAL CREDIT UNION that they are denying me my credit rights, secured by the Constitution and federal and public laws. 
15 U.S.C 1611 states they can not give me false and inaccurate information. 


I explained to NAVY FEDERAL CREDIT UNION why income, consumer reports, and scores do not matter : 18 U.S.C 8. ... '' All debts are the obligation of United States Inc ... '' Emergency Banking Act of 1933. 
Social Security Act of 1935.

The United States Constitution : Article 1 Sec 8 clause 1. " ... to pay the Debts and provide for the common Defense and general Welfare of the United States ... '' Article 1 Sec 10 clause 1.

House Resolution 192 Public Law 73-10. 

There is no currency, consumer can not pay debt with debt. 

That's why with every account statement there is a payment coupon to discharge debt per U.C.C 3-306 ( b ).

I entered into a beneficiary role with NAVY FEDERAL CREDIT UNION and I find them in default. NAVY FEDERAL CREDIT UNION did not act in my natural or legal persons best interests during my consumer credit transaction/ request for purchase money loan| financed sale.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/2019 I cancelled my Amazon Store Card from Synchrony Financial. 

On XX/XX/2019 I noticed that my reward balance at Amazon was no longer there and I contacted Synchrony via livechat. I was told that the rewards were taken away when my account was closed. I asked them if I was informed of that. I was told that it was told to me during the cancellation flow on their website. I asked to see a copy of it and was given this URL ( XXXX XXXX XXXX ). I told them that I was not redirected to that website during the cancellation and in any case, I specifically asked them if it was only in the fine-print previously. 

I then contacted Amazon via phone and they said that Synchrony had taken them away, not Amazon. 

I then contacted Synchrony via phone and was told the same thing, I then asked to speak with a manager because I felt it was unfair to bury this in the fine-print. I then told them that I would file a complaint to the CFPB.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 4th 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 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
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

On XXXX XXXX, 2019 I paid First Federal Credit Control {$720.00} to pay in full 7 medical bills that were placed with them for collection. As of my XX/XX/2019 all 7 derogatory entries are still on my bureau. 

Spoke to FFCC several times and they show that I paid accounts in full and claim to have sent this information to all 3 bureaus.
Consumer complaint received 2024-02-12
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I have made numerous attempts to clear this up directly with the credit reporting agency ( XXXX   specifically ) and they keep saying that an AGENT at Automobile Acceptance XXXX XXXX XXXX XXXX, Georgia XXXX has verified the said account. I have been a victim of identity theft and have supplied all the proper documents. 
AUTOMOBILE ACCEPTANCE ACCOUNT # XXXX {$5800.00} does not belong to me ( I do not owe automobile acceptance the said amount, and I have asked in order to validate the debt, I would like a copy of the original contract containing my wet ink signature, the name of the agent who verified the debt and who has first hand knowledge of the said debt. 

In Regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executrix on behalf of the XXXX XXXX XXXX ESTATE, is in possession of your recent voluntary submission of evidentiary documents also known as a credit report. 

Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX   conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please DELETE all accounts immediately with the next 10 days. Send an update to XXXX to remove the said account immediately! And send myself and XXXX verified copies.
Consumer complaint received 2018-01-11
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: Colony Brands, Inc. (MO)

I contacted XXXX XXXX regarding them reporting a account that is over XXXX XXXX XXXX on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another XXXX plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX 1. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all XXXX credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC (GA)

I have started receiving calls regarding a credit card equipment that I had from XXXX XXXX XXXX   card while I was using their service. After I stopped using their service they advised me that equipment was not needed back as it was outdated. After about a year I got a call from capstone collection agency  from XXXX asking for {$360.00} for the equipment. I explained them what I wrote above and also told them that I still have the equipment and is no use for me so I can still return it. Obviously that would not do good to their pockets so they kept harassing me and threating me that they would spoil my credit and I would retreat not paying them. Today I received the call again and guy on phone threaten me again and told me watch what I will do to your credit, I told me clearly Im more than happy to return the equipment which is what they dont want because they are simply after money. I have checked out capstones reviews as well and they have done this to many of people. Someone with the authority should take some action against them. This isnt right for the sake of greed they threat and abuse people.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX Equifax several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all XXXX continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent Transunion a dispute in regards to some credit inquiries that i did not authorize and were fraud. When i called recently to follow up they told me that they would not process my request because it was mailed. said it needed to be faxed.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (TX)

Please remove these fraudulent accounts from my credit report as they are not mine and I have no knowledge of them. I am invoking my right under USC 1681g to have these accounts deleted from my credit report within 15 days. Kindly refer to the documents attached for verification.