davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
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. (FL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

Received an alert from Wells Fargo regarding a {$3500.00} transaction replied no and immediately received a phone call from Wells Fargo stated someone requested {$3500.00} XXXX payment that was scheduled to go through in an hour unless I requested the money back to me through XXXX then the caller proceed to talk me through the procedure and two transactions one from checking in the amount of {$2000.00} and another from my savings {$700.00}. I informed the bank and recently received a letter stating that although it was a scam they have informed the recipient and requested a refund and if the send it back thats the only way I can recover from this.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-28
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

Nelnet does it apply payments as directed. Ive been trying to make extra principal payments to some loans when I can. This happened more than once, when I called to fix it last time, they re-did the same wrong way. Their website is UDAAP and misleading. Most recent example : I have auto debit set up for payment amount XXXX of each month. I followed the websites instructions for extra payments which is On their special instructions page, I selected do not advance the due date, on the payment page, which is how it says you instruct extra payments to go to principal. Their site says use the pay by group page to target specific loans. It says in their website that the auto debit will still occur as scheduled and say so as you submit the payment. So on XX/XX/XXXX, I paid the payment due at the time, then expected ( based on their website ) the auto payment to still occur on XX/XX/XXXX and that the XX/XX/XXXX auto payment would to principal but the auto debit doesnt go thru, which is contrary to what their website says. If I try to make an extra payment now manually through their website, it will apply to the XX/XX/XXXX payment instead of principaltheir payment page doesnt allow you to apply extra toward principal unless you pay double or more of the payment amount. So for example, when I try to pay extra {$50.00}, there is no option to have that apply to principal, it holds it as a partial payment for the next due date. I even called to ask how this last time this happened ( waited 3 hrs on hold ), the representative said I have to select the due not advance due date button- but again that only appears if I submit at least double the payment. The representative said cant see the same screens that borrowers do so she didnt know how and wasnt able to instruct me how to make extra principal payments ( unless it was at least double ). She even called another department and had me on hold and didnt have info on how. Its very misleading.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I got the XXXX Comenity Bank credit card promising no interest for a purchase if I pay in full within 6 months. I purchased {$7900.00} on XX/XX/XXXX and the 6 month deferred interest plan would expire on XX/XX/XXXX. 

Within the last two billing cycles in my deferred interest period, my remaining balance to pay in full was {$3100.00}. Within the last two billing cycles in my deferred interest period, I made payments and received a partial refund of the original purchase amount totaling {$3200.00} which is more than the balance owed : DATE TYPE AMOUNT XX/XX/XXXX PAYMENT {$1000.00} XX/XX/XXXX PAYMENT {$220.00} XX/XX/XXXX PAYMENT {$520.00} XX/XX/XXXX PAYMENT {$990.00} XX/XX/XXXX REFUND - CREDIT {$170.00} XX/XX/XXXX REFUND - CREDIT {$320.00} TOTAL {$3200.00} Comenity Bank did NOT apply my amounts to my deferred interest balance despite the requirement to apply any amount over the minimum payment to deferred interest balance within the last two cycles in the deferred interest period. Instead, Comenity applied a partial amount to the deferred interest balance whose deferred period expires on XX/XX/XXXX and applied the remainder to another deferred interest balance whose deferred period expires XX/XX/XXXX. Now Comenity Bank claims that I did not pay my {$3100.00} balance in full and is forcing me to pay accrued interest of {$870.00}. 

I called XXXX - Comenity servicing on XX/XX/XXXX and spoke to a supervisor who admitted the system should have applied my payment to the deferred interest balance expiring XX/XX/XXXX as that balance was set to expire first and it was within the last two billing cycles in the deferred interest period. However, the supervisor did not resolve my issue, and I have not received a follow-up.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (VA)

According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.
Consumer complaint received 2024-06-23
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. (FL)

Account # XXXX I ask that this company submit the original wet ink note with signature and a copy of the original creditor on the 1099-C. The note holder or the equitable title owner are the only positions who should receive payment.

If the contracts that was signed was taken to be collateralized wouldnt the debit/ credit books balance each other according to Proclamation 2039 Banking Holiday by Congress and Franklin D. Roosevelt in 1933?

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.
Consumer complaint received 2024-06-28
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. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX BANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
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. (TX)

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.
Consumer complaint received 2024-06-28
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-28
Product: Credit reporting 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)

A bankruptcy has been reported on my credit report, but the financial institution that initiated it did not validate or apply it. However, the credit agencies continue to report this bankruptcy on my credit history, along with a variety of accounts that are shown to be included in this same bankruptcy. I have disputed this information on several occasions, but it has not been possible to remove these records from my credit history.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXXederal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 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 2024-06-28
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. ()

This is my numerous endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (FL)

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Iowa XXXX XXXX XXXX XX/XX/XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Iowa XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Violation and Demand for Action Dear Sir/Madam, I am writing to formally lodge a complaint regarding the continuous and unauthorized reporting of my credit information to a credit agency by XXXX XXXX XXXX XXXX XXXX which constitutes a direct violation of a cease and desist notice I previously issued. This ongoing communication is not only unwarranted but also illegal under multiple federal statutes.

# # # Violations 1. **Cease and Desist Violation : ** Despite my clear cease and desist notice, XXXX XXXX XXXX XXXX has continued to report my credit information to a credit reporting agency. This action is a form of communication that must cease immediately. Furthermore, this communication must also include the deletion of my information from my credit consumer report.

2. **Gramm-Leach-Bliley Act Violation ( 15 U.S.C. 6802 ) : ** I have opted out of information sharing pursuant to 15 U.S.C. 6802, and I have provided notice of this opt-out to XXXX XXXX XXXX XXXX XXXX However, the bank has continued to share my nonpublic personal financial information in blatant disregard of my rights under the Gramm-Leach-Bliley Act.

3. **Fair Credit Reporting Act Violation ( 15 U.S.C . 1681b ) : ** The continued reporting of my credit information without my explicit written instruction and permission is a violation of 15 U.S.C. 1681b. I challenge XXXX XXXX XXXX XXXX and the credit reporting agency to produce any documentation proving that I have given such permission. As I have not provided such authorization, this reporting is illegal and must cease immediately.

4. **Identity Theft and Assumption Deterrence Act Violation ( 18 U.S.C . 1028A ) : ** By passing my nonpublic personal financial information without lawful authority, both XXXX XXXX XXXX XXXX and the credit reporting agency are in violation of 18 U.S.C. 1028A. This is a serious offense and will not be tolerated.

# # # Notice of Potential Litigation Should these demands not be met promptly, I will have no choice but to seek legal remedies for harassment and abuse. This will include filing a lawsuit for each violation outlined above. Be advised that this will include claims for damages due to the continued distress and impact on my financial standing caused by your illegal actions.

# # # Conclusion Please treat this matter with the utmost urgency and respond in writing within 14 days of receipt of this letter. Failure to comply with these demands will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX : ** - Federal Trade Commission **Enclosures : ** - Copy of Cease and Desist Notice - Relevant Documentation for Reference
Consumer complaint received 2024-06-28
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.