davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my second CFPB compliant regarding my consumer report. I have been a victim of fraud and my personal information was stolen and used for various reasons. According to 15 USC 1681 you are required to investigate these accounts to validate that they even belong to me. Furthermore I contacted the US Bankruptcy Court in regards to any information that they may have shared with a consumer reporting agency and they stated that they do not share information with credit bureaus. The public record you have listed on my credit report shall be promptly deleted or you will face the penalty for violating the FCRA regulations regarding verification and validation. If no one with first hand knowledge of this account can come forward to provide evidence suggesting otherwise I expect my demands to be met. 

The immediate removal of these items due to lack of evidence of indebtedness Bankruptcy - Federal - XXXX XXXX XXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXXXXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXX I know that these accounts are fraudulent and inaccurate I want a full manual investigation.
Consumer complaint received 2017-10-05
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: EQUIFAX, INC. (WV)

I have contacted all XXXX credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that XXXX of the XXXX agencies responsible for maintaining consumer personal credit information ( Equifax ) can have a major breach ( affecting millions ) and NO repercussions. My son was late XXXX time and this stays on MY credit report for XXXX YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had XXXX credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. XXXX years is just not right. Equifax will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

I, XXXX XXXX had westllake profolio /Westlake financial deleted off my report multiple times cause it submitted information stating it was added igellay and sold to debt collector company with my concent started years XXXX and on my report states it was open XXXX with westlake financial in fact it was not, it was open XXXX with Us Auto sales instead, so all info on one attachment shows False and information on the company i signed Paperwork with.. need help deleting completely off XXXX as late payment harassing me once again, a year later.
Consumer complaint received 2017-10-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX - Initiated letter to Legal department of all 3 Credit bureaus. All three credit bureaus show different amount of this debt. Registered mail.
XX/XX/XXXX - Registered mail to creditor asking them to validate debt through audit certification of debt education to debt entry in accordance with g.a.a.p, I.f.r.s., in accordance with basel 3 accord an u.n.c.i.t.r.a.l conventions. And requested copy of creditor 's Tax Registration certificate.Creditor never validated debt. 

XX/XX/XXXX - Requested creditor ask creditor to validate debt via registered mail.
XX/XX/XXXX - Requested credit bureaus validate debt and amounts via registered mail. 

So forth
Consumer complaint received 2017-10-05
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. (SC)

Equifax has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX -XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

I have sent Trident Asset Management a debt validation letter, requesting validation as well as their right to collect in my state and proof the statute of limitations had not expired. 
They sent a phone bill XXXX no copies of Contracts, no XXXX or XXXX number, no signature etc ) this does not validate the debt. 
Trident also is reporting when the are not the current account holder, that falls under XXXX XXXX XXXX who is owned by Trident, but not licensed in Fl. 
According to Fl statute of limitations ( which they did not send proof of ) a XXXX XXXX is XXXX and an XXXX is XXXX yrs.. This bill they sent is dated XXXX/XXXX/XXXX, which by Fl law the statute of limitations has expired. ( Please see attached )
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I applied for and received the Citi XXXX XXXX XXXX XXXX in XXXX XXXX ( account ending XXXX ). I paid the XXXX annual fee on XXXX XXXX XXXX and was using the card, and then Citi unilaterally closed the account on XXXX XXXX XXXX. I called Citi for a refund of the fee, since I had had the card for barely XXXX months and *they* decided to close the account not me and I was summarily rejected not XXXX but XXXX. So they charged me a huge fee but made it impossible to use the card.
Consumer complaint received 2020-02-10
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. (PA)

XXXX, XXXX, & XXXX  IS IN VIOLATION OF THE FCRA!! They are not properly VERIFYING consumer accounts. Per the FCRA furnishers are to verify and validate accounts by requesting/providing ACTUAL DOCUMENT PROOF BEARING A CONSUMERS SIGNATURE SUBSTANTIATING ALL CLAIMS/ACCOUNTS. THESE REPORTING AGENCIES ARE LAYZ AND ARE NOT FOLLOW THE PROPER PROCEDURES LISTED IN THE STAUES OF THE FCRA. IF ACCOUNTS ARE NOT PROPERLY VERIFIED WITH PROOF OF CONTRACT THE ACCOUNT ( S )  MUST BE DELETED IMMEDIATLEY!!!!!
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

THIS IS THE FINAL DEMAND NOTICE TO REMOVE MY XXXX ACCOUNTS FROM CHEXSYSTEMS THAT XXXX XXXX BANK IS NOT IN COMPLIANCE WITH THE FCRA. I AM DEMANDING THAT ACCOUNT NUMBERS XXXX AND XXXX BE REMOVED FROM CHEXSYSTEMS AS PER VIOLATION OF MY CIVIL RIGHTS AND FCRA. ENCLOSED I HAVE ATTACHED DOCUMENTS THAT SUPPORT MY CLAIM. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO CHEXSYSTEMS ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO CHEXSYSTEMS ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. HOWEVER THESE ACCOUNTS WERE NOT CLOSED ON THE DATES REFERENCED ON THE REPORT. I RECIEVED REPLACEMENT DEBIT CARDS WHEN THEY HAD EXPIRED AFTER XX/XX/XXXX AND XX/XX/XXXX. THE ACCOUNT ACCEPTED A XXXX DEPOSIT ON XX/XX/XXXX. TO RECIEVE DEBIT CARDS AND XXXX DEPOSITS AFTER THEM DATES INDICATES THE ACCOUNTS WERE NEVER CLOSED. IN ADDITION, I CALLED CUSTOMER SERVICE ON XX/XX/XXXX AND SPOKE TO CUSTOMER SERVICE AND WAS ADVISED THE ACCOUNTS WERE IN A DORMAT STATUS AND THAT A DEPOSIT WAS NEEDED TO MAKE ACCOUNTS ACTIVE AGAIN. I HAD TO REQUEST THE ACCOUNTS BE CLOSED. THE REP SUBMITTED THE CLOSURE REQUESTS ON BEHALF TO THIER BACK OFFICE. I HAVE ATTACHED THE PROOF THAT THE ACCOUNTS WERE CLOSED ON XX/XX/XXXX. THEY WERE CLOSED LATER THAT AFTERNOON. I CALLED XXXX XXXX ON XX/XX/XXXX AND SPOKE WITH A REP WHO ADVISED THE ACCOUNTS WERE BOTH OFFICIALLY CLOSED ON XX/XX/XXXX. SO TELL ME HOW IS IT LEGAL TO FALSIFY CLOSURE DATES AND REPORT THESE ACCOUNTS WITH INTENT TO HARM ME WITH MALICE. I HEREBY ORDER XXXX  XXXX AND CHEXSYSTEMS INC TO REMOVE THESE IMMEDIATELY, OR I WILL SEEK A MONETARY LAWSUIT FOR SUCH NEGLIGANCE.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX  days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (NY)

I accepted a personal loan from sofi at least a year ago. Sometime in the last few months they changed their website to force users to accept their new arbitration agreement. If users do not accept the new agreement, they are blocked from access their account management. I contacted sofi about this and they said the only option is to accept the terms on the website, and then send in a written rejection notice, by mail. Additionally, they also previously incorrectly stated " However, if the customer does not wish to acknowledge consent upon log in, they may uncheck the consent box and still access their account. SoFis promissory note and online consent provides the Right to Reject clause for the Arbitration Agreement. SoFi recommends the consumer follow the instructions if they would like to exercise their right to reject. '' This functionality does not exist on the site.

While they have provided one method to reject the terms, and have been responsive in communication, they have not provided a suitable approach when all account administration is handled online, especially one that forces users into an agreement even temporarily.
Consumer complaint received 2017-10-04
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. (PA)

Dear XXXX File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,
Consumer complaint received 2017-10-05
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: U.S. BANCORP (OH)

US Bank sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to XXXX on XX/XX/2017 they have responded with the account was updated Not removed.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX RE : Demand for Removal of Late Payments on Credit Report SS # : XXXX Re : Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act Section 168 of FCRA law ( s ) info on the report does NOT match my records.

I demand this item to be DELETED from my credit report ASAP.

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The late payments never happen. Delete account under FCRA XXXX Under Section 168 FCRA this Late Payments Dated XX/XX/XXXX and XX/XX/XXXX does not match my records nor the original creditors records to what reflects on my credit report there-fore this item MUST be deleted under this law. If not, Attorney Costs & Court Action will follow. 

My consumer report is extremely valuable to me and I wish to advise you that willful non- compliance is a violation of Section 1681n of the Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation. After your investigation please provide me with an updated credit report as well as the names addresses and telephone numbers of the individuals that have been contacted. 

Best, XXXX XXXX