davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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)

I just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my business debit card was charged {$200.00} at a county fair some XXXX miles away from my home. I did not use or authorize this transaction to be made and upon discovery of the charge, contacted my bank ( XXXX Chase Bank XXXX XXXX. XXXX. They immediately disabled/froze/canceled my business debit card and issued a new one which arrive a few days later in the mail. They also refunded the {$200.00} and started an investigation into the charge. Yesterday, XX/XX/2024, they notified me that the vendor " XXXX XXXX XXXX XXXX XXXX '' had responded to their " investigation '' and this is the response I got from my bank : " The merchant provided us with documents showing that benefit was received from this transaction, we do apologize but unless you can provide us with documents to assist with your claim, the denial stands. '' Because of their " investigation '' that the vendor ( the XXXX ) had given someone {$200.00} and used my Business Debit Card in obtaining that money, I should have to forfeit that money UNLESS I CAN PROVE I DID NOT DO IT. By requiring me to " provide us with documents to assist the claim '', they are asking me to PROVE A NEGATIVE. Something that can not be done. 

I am XXXX XXXX XXXX, in poor health and even poorer XXXX condition. Why would I go XXXX miles to go to a county fair and use my BUSINESS DEBIT CARD?
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX  This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account XXXX  XXXX  Account # XXXX for violations of FCRA Section 611 for RE : Insertion of Account with no notice within 5 days of Re : Insertion ; and also Section 623 XXXX  XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Also per Regulation F 1006.34 never received form B-1, notice of disclosures, prior to inital reporting of account. After multiple RE : Investigations never received request for Account Level Documentation Forward Flow Sale or ownership documents with tracking numbers ; certified return receipts with delivery confirmation signed by me. They have never followed proper procedures, and guidelines of governing bodies. 

Accuracy of Report According to reference statues and laws Cushman vs TransUnion 1997 Teri Lynn Hinkle vs Midland Credit Management John Stevenson vs TRW 1993 Richardson vs Equifax XXXX  XXXX, TransUnion, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. This is a last ditch effort. I have filed multiple complaints with the BBB, CFPB, and, XXXX, Trans Union, and XXXX  XXXX Please reference all credit reports and files attached to complaint as exhibits and evidence of XXXX  XXXX   failures to follow FCRA, FDCPA guidelines, regulations, and laws. And timely following procedures, protocols and execution of responsibilities. 
This account first appeared on report dated XX/XX/XXXX with only XXXX as reported account. 
On XX/XX/XXXX report separate XXXX XXXXXXXX  account was Re : Inserted to report and XXXX was Re : Inserted Date Opened : Do not match Trans Union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Reported : Do not match Trans Union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Do not match Trans Union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Payment History : Do not match XX/XX/XXXX XXXX Reporting account Charge Off XX/XX/XXXX XXXX XXXX account OK XX/XX/XXXX TransUnion no report Payment Status : Do not match TransUnion Charged Off ; XXXX Charged Off XXXX Late XXXX  days Past Due : Past due balance on a charged off account TransUnion no data XXXX XXXX XXXX XXXX Account deleted from credit report dated XX/XX/XXXX for XXXX, and XXXX no deletion for TransUnion account
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Modlin Slinsky, P.A. (FL)

XXXX XXXX, thank you for your response and the documents you provided dated XX/XX/2023 but it was not what I had requested and DEMANDED. I reject respond and the documents from Modlin Slinsky P.A and XXXX XXXX. MODLIN SLINSKY , P.A . was advised of Notice of Demand for payment dated XX/XX/2023 and XX/XX/2023 within 15 and 10 days requirements. Modlin Slinsky, P.A did not resolve my complaint with XXXX XXXX XXXX ( XXXX ) or settle payment by sending the requirements requested. " Please take notice that demand is hereby made that Modin Slinsky, P.A immediately pay {$25000.00} in check for settlement. '' As, this request has not been honoured. XXXX XXXX made several attempts, Modlin Slinsky P.A and XXXX XXXX refusal to resolve this matter. 
I do hereby give formal Final Warning Notice to MODLIN SLINSKY, P.A and XXXX XXXX of Default, Estoppel and as this is a final notice, as my request has not been honoured. Informing MODLIN SLINSKY, P.A and XXXX XXXX of their failure to properly respond and having acquiesced to the stipulated offer and conditions as they operate in favor of the undersigned. 


MODLIN SLINSKY, P.A and XXXX XXXX are now in default and this is a final OPPORTUNITY TO CURE, FINAL WARNING NOTICE OF DEFAULT AND DEMAND FOR PAYMENT, PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES. This is NOT a request for COUNTERFEIT COPIES OF FRAUDULENT STATEMENTS and agreements from another XXXX XXXX and is not to be treated as one! ALL COPIES ARE COUNTERFEIT AND FRAUDULENT AND CAN NOT BE USE IN COURT! 

Please be advised that this is my FINAL WARNING that I fully intend to file a lawsuit, bar and Attorney General complaint. Please accept this FINAL written OFFER OF SETTLEMENT/RESOLUTION BEFORE FILING LAWSUIT COMPLAINT LITIGATION against XXXX XXXX and MODLIN SLINSKY , P.A as my attempt to amicably resolve your continued mail fraud, deliberate concealment of material information, defamation of character, aggravated identity theft, GROSS MISREPRESENTATION, Racketeer, extortion, theft by deception, False and misleading representations, and multiple violations of state and Federal, refusal to resolve this matter.
Consumer complaint received 2024-06-10
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-10
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. (CA)

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will Equifax remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my LAST WARNING. Please remove the inquiries resulting from erroneous credit reporting.
Consumer complaint received 2024-06-10
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX  ACCT # XXXX
Consumer complaint received 2024-06-10
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. (NM)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-10
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-10
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

In a nutshell, the fraud worked like this. I was slowly introduced to a supposedly profitable investment ( XXXX options on real-time XXXX pricing ). I was encouraged to start small and was allowed to withdraw money from my account twice. Over-time, I was encouraged/motivated to increase my capital investment to avail myself to higher profit opportunities. As my account increased to XXXX $ XXXX XXXX XXXX I was informed that in order to withdraw my money, I need to deposit 18 % withholding for IRS XXXX on the $ XXXX XXXX cumulative XXXX to date. The tax amounted to $ XXXX XXXX $ which I deposited. I was further informed that I had to deposit another $ XXXX XXXX $ for large amount withdrawal risk, which I also deposited. For days, I waited to withdraw from my account but was told that there are many VIPS ahead of me. I was then informed that I could apply for VIP membership if I wanted to be in front of the withdrawal line. The cost of the VIP membership was 2 % of account value which amounted to another $ XXXX XXXX XXXX The website was determined to be a fraudulent website. Please read attached file for complete story.
Consumer complaint received 2019-06-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

US Dept of Education online site XXXX XXXX, XXXX, NEXXXX thru web disability discharge does not respond in 120 days therefore credit report agency and debt collection letters. Social Security has deducted {$310.00} so far began in XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, began deducting without prior notice. Prior notice would have found that I received XXXX XXXX XXXX XXXX by a physican signature, my primary care for over 14 years. The forms were submitted in XX/XX/XXXX. I sent copies of these forms to above address and they have NOT acknowledged the receipt even with a tracking verification. 
I have NOT been emplyed since XXXX. 
I have emailed the company Nelnet several times their letter specified 120 days to resolve. I do not know why there is a problem. BUT I intend to seek refund of the money deducted from my ssa benefits. HINT : Since the deductions were automatic, I am homeless!
Consumer complaint received 2024-06-10
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-23
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. (GA)

The XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is the account. I had 1 card with them credit amount was {$300.00}. It went into default in XXXX for amount on my credit report of {$380.00}. They put that as a derogatory mark on my credit, which I understand that. But EVERY month since XX/XX/2023 they've been putting a derogatory mark on my credit and changing the amount to be higher and higher to the point it says that the latest is $ XXXX. I spoke to someone there who never really gave me an answer as to why they're doing this. I was trying to build my credit back up and this company keeps hitting my account and dropping it every month that it looks like I don't pay back.
Consumer complaint received 2024-06-10
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. (NJ)

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2023-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (NY)

On XXXX XXXX, 2023 I called Upstart to payoff my personal loan. Their representative was unable to take my payment over the phone so I told them I would send them a check that would be received on XX/XX/XXXX. I asked what amount It should be made out for to pay off my loan in full, which they provided to me. They told me it was good for 10 days. I sent the check and followed up with another call on the XXXX. I was then told it can take up to 2 weeks for the check to be processed and posted to the account. Several days later the payment posted to the account but I was shocked to see they were still charging me interest resulting in additional balance remaining. To my knowledge the purpose of requesting a payoff amount is to insure the payment you make will cover any additional costs associated with the closing of the loan. I was clear with my request and intentions on the phone about wanting to pay the loan in full including the method to do so and the dates involved.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

XXXX  blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it
Consumer complaint received 2024-06-10
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. (AZ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.