davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX and XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX and XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX and XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & S Collection Associates, Inc. (FL)

The Owner of the company I work for was sold an advertising product from " The XXXX '' They made multiple unauthorized charges to his account under different names. He canceled payments to the unauthorized charges. They said they sent it to collections. We called the number on the XXXX web page and they said they were A & S collections. We told them the charges were fraudulent and they called us repeatedly over and over even after we told them it was harassment. they yelled at us to shut up. They told us they were going to take us to the supreme Court. We told them to go ahead and they continued to call us. The phone number from the A & S collections website takes you to XXXX students hotline. The web addresses are : XXXX and XXXX The phone number listed on Insulation network is XXXX The phone number of the individual that repeatedly called and harassed us is XXXX She said her name was XXXX The phone number listed on A & S collections page is XXXX which as I said is a phone XXXX. They also pretended to be a different company having to do with spray foam with a different number and it was the same person on the phone that number was XXXX and the website for that one is XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit report, I found some errors that are impacting my credit standing, governed by 15 USC 16c-2. The hard inquiries were not authorized by me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2023-10-06
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. (VA)

A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXX ) and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with XXXX and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. XXXX can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!
Consumer complaint received 2024-10-02
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. (LA)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 6 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-03
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 am writing to disputed account on my credit report that were made without my consent. According section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1 B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE
Consumer complaint received 2024-10-02
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-02
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX 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 2024-10-02
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. (TN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (IA)

I transferred a balance that is supposed to be interest free for 15 months, I believe. I also make purchases with the same card I have the transfer balance on. Although I pay my purchase total in full each cycle, I am still being charged interest, when the only balance that is left is my transfer balance. When I called to ask how this can be, it was explained to me that basically my purchases made after I transferred my balance over falls behind the transfer balance amount, so in essence I will never pay off my " purchases '' until I pay off the transfer balance ( which is a substantial amount ), since payments are applied to the oldest transaction first. By them doing it this way, I will forever be charged interest on my " purchase '' totals until the full balance is paid. I have since stopped using that card for purchases, realizing the interest is just going to grow, but this seems very unethical to me. Seems like my purchase balance and transfer balance should be kept separate and payments should be applied to purchases first, since that is where interest currently accrues. Is this ethical?
Consumer complaint received 2023-01-04
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 has violated my federally protected right to privacy and confidentiality under 15 USC 1681 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. 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 XXXX years.
Consumer complaint received 2023-10-06
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I MADE AN ATM DEPOSIT OF XXXX CHECKS TOTALING {$3300.00}. MY EMAILED RECEIPT SAID THE FUNDS WOULD BE AVAILABLE ON XX/XX/year>. I THEN RECEIVED ANOTHER EMAIL SAYING THE FUNDS WOULD NOT BE AVAILABLE UNTIL XX/XX/year>. HAD I BEEN PROVIDED WITH INFORMATION UP FRONT SAYING THERE WOULD BE A HOLD ON MY FUNDS, I COULD HAVE DEPOSITED THEM INTO XXXX OF MY OTHER BANKING ACCOUNTS. NOW, I HAVE NO MEANS TO GET MY FUNDS BACK AND I AM FORCED TO WAIT 9 DAYS UNTIL BANK OF AMERICA CLEARS THE CHECKS. THIS INFORMATION SHOULD BE PROVIDED UP FRONT TO CONSUMERS SO WE HAVE THE OPTION TO USE OTHER BANKING OPTIONS.
Consumer complaint received 2024-10-01
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. (OK)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-01
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. (NY)

ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

***-**-XXXX 
Cc: Consumer Financial Protection Bureau 
Cc: Attorney Generals Office 
Cc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  


RE: ***-**-XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX, I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank You,

 XXXX XXXX


Further more I would like to add there was a finding about the settlement between Consumer Financial Protection and XXXX XXXX XXXX XXXX. for Credit reporting violations. The link below shows the article as well as the PDF of ADMINISTRATIVE PROCEEDING File No. 2020-BCFP-
Consumer complaint received 2024-08-27
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. (LA)

Account : XXXX XXXX XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

XXXX XXXX was previously my student load holder and my loans were move without my approval or knowledge to XXXX, which managed my loans. I have been paying the loans since XXXX and it's XXXX and I am still paying the loans. The loans ballooned from about {$6800.00} to know {$38000.00} not almost 30 years of payments. The loan has been improperly managed. I reached out to XXXX  about the status of the loans in XXXX - XX/XX/XXXX and analyst advised me to consolidate my loan to a Federal Loan servicer because my loan was eligible for forgiveness based on me paying the loans for over 30 years. I listened to consolidated my XXXX  loan per their advice to Aid Advantage. Upon consolidating my loan with Aid Advantage, they said it was a new loan and there was no history of 30 years of payments on the loan. The term of the loan then got longer, and interest rate got higher and they basically told me I started a new loan and no forgiveness has been granted. I had filed complaints with the XXXX  XXXX XXXX and still no action has been taken. XXXX  misled me and provided fales and inaccurate information repeatedly over the course of the loan. This has caused me great grief and continues to do so. I have been paying this loan for over have my life and the balance just gets bigger. XXXX  has terrible practices and it's heartbreaking they steered me into forebearance on multiple occasions, as well as provided bad loan counsel and advice. The payments on my loans were excessive and no matter how much I paid -- they just continued to grow rather than go down. I want XXXX  held accountable for their practices.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive be came a victim of fraud last year XXXX  when some one broke into my wife car Ive XXXX goin through the rope with identity theft Ive been contacted the local pd in they told me to cont cfpb
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

1. Ive been waiting on a disputed refund/reversal since XX/XX/2020 from MyVanillia.

2. I did a return to a department storeon XX/XX/2020. I explained to the department store that I didnt have the card I initially paid for my merchandise with. The department store accommodated meby putting my refund on my prepaid cardbeing that I had a proof of purchase label. 
3. The XXXX  at MyVanillia ( XXXX XXXX ) ..., have deactivated my cardand refuse to release MY MONEY!  I have sent the RETURN RECEIPT to their FRAUDULENT ass company several times. My PATIENCE is wearing! As it isIve been waiting an UNCONSTITUTIONALLY LONG time for my other disputes. Yes, Im PISSED!