davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (FL)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-01-24
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. (OK)

Transunion is not doing proper investigations. I sent dispute on XX/XX/XXXX and it was completed XX/XX/XXXX. Once Transunion Completed the information was not updated Transunion verified that the balance {$9700.00} showing for the tinker federal credit loan for a vehicle is correct and its not. The balance should show {$7600.00}. I would also like to exercise XXXX as I was XXXX when I voluntarily called to get the car repossessed
Consumer complaint received 2024-08-03
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: SYNCHRONY FINANCIAL (TX)

I notified Sams Club World elite Mastercard, issued by Synchrony bank, regarding a series of unrecognized XXXX XXXX charges on my credit card. The unrecognized charges occurred over multiple months and appeared to increase in debit amounts over time. Synchrony bank stated they would initiate an investigation and then reissued a new card. I was temporarily credited the disputed amount. Later I received a written letter stating that I would not be held responsible for the amount of the fraudulent charges which totaled almost {$1000.00}. After I received this letter, the new credit card statement depicted a generic transfer debit from the old account to the new one, for almost the same amount that was originally disputed. In addition there were multiple generically labeled transfers of duplicate fees that resembled the original fraudulent charges. When I called Synchrony Bank, their dispute department did not provide a satisfactory answer. The debit transfer amount from the old account to the new account appeared excessively high, considering I did not even have a new card to use during the transition period when a new card was being issued. The matter is still unclear and unresolved. The phone rep also said she did not understand fully where the charge on my new account originated.
Consumer complaint received 2024-01-24
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. (SC)

IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.
Consumer complaint received 2024-01-24
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. (PA)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-24
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)

I ordered my most recent consumer [ credit ] report from XXXX on XX/XX/XXXX, but once received, I became concerned regarding 5 hard inquiries, all of which without permissible purpose ( per 15 U.S.C.,1681e ( b ). Please see attached credit report and letter, as they provide evidence that Transunion has [ knowingly ] been in violation of my consumer rights per FCRA guidelines, for an extended period of time, ultimately affecting my financial health. The following are the hard inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (NJ)

My checking account was charged XXXX without my authorization. I went to my bank on XX/XX/XXXX after I saw that this happened. It was Synchrony Bank Pay Later. Account ending in XXXX. No such account exists. I have account with them., but this is not XXXX. I informed my bank and my account was closed and I have a new number. Today XX/XX/XXXX I received an email from Synchrony pay later stating that they received my payment. My bank account shows that payment is pending.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Violation of 15 U.S.C section 602 A rights to privacy and Section 604 A that credit agency can not furnish information without my written consent. Inaccurate information from credit acceptance that the credit bureaus stated was properly investigated but all information with all 3 is incorrect. This includes dates, account responsibilities and address or creditor that is reporting information.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AZ)

XX/XX/year> - I authorize a withdrawal to an external bank account. This is approved and the withdrawal is completed. 

XX/XX/year> XXXX XXXX - XXXX XXXX email of " XXXX required : Additional information is needed ''. My assets to this account are frozen, and I can no longer make withdrawals ( whether via transfers, payments, etc. ). I am still able to receive direct deposit and earn interest. 

XX/XX/year> - I call XXXX in reply to the above email. XXXX representative says they are unable to verify me via the phone number listed in my account. However, I am still able to log into my account via XXXX using the same number. The representative says they will log the issue, and I will receive an email with next steps. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity, and will send an email with next steps. 

XX/XX/year> XXXX XXXX - XXXX XXXX email of " XXXX required : Additional information is needed ''. My assets to this account are still frozen. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity, and will send an email with next steps. I speak with a representative, XXXX, who I retrieve the following case number from : Case # XXXX XX/XX/year> XXXX XXXX - XXXX XXXX email of " Action required : Additional information is needed ''. My assets to this account are still frozen. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity. I record the case number, which has changed as the following : Case # XXXX I also am given a complaint number filing as follows : Complaint # XXXX Throughout these
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Thank you for reading this inquiry. I purchased the XXXX  XXXX XXXX in XXXX of 2020 and the XXXX vehicle was listed as roughly {$37000.00}. At that time, the salesperson at the dealership added {$10000.00} of warranties onto my note. I fought for months to get the warranties removed and finally, the cost of the vehicle s down to the original price of {$35000.00}. I traded in a XXXX XXXX XXXX and it was valued at {$8000.00} and I did not receive the full value of the trade. I received almost {$2000.00} less than the trade value. Lastly, upon check-in on the value of the XXXX XXXX, the vehicle is only worth {$18000.00}. Not the {$35000.00} owned on the vehicle. I was charged double of what the vehicle is worth and can not refinance to lower my monthly out of pocket because the vehicle is not worth {$35000.00}. I am feeling like I made a huge mistake by purchasing this vehicle from XXXX, and as a consumer, I did not think I would be this taken advantage of. I am asking for someone to look into this purchase and please find leniency, to reduce the cost of the car. I like my XXXX, but I can not afford to pay double of what the car is worth. 

Thank you XXXX XXXX XXXX Mileage : XXXX Miles VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

Complaint is regarding Shell points escrow analysis dated XX/XX/XXXX. This escrow analysis is fraudulent. As a homeowner I paid all county taxes and hazard insurance since the origination of the loan. We are requesting the help of the consumer financial protection bureau to have shellPoint give us a complete escrow accounting since they took over the servicing of the loan. I have documentation that this loan was scheduled to be paid off XX/XX/XXXX. Loan servicers could not put together a complete release. Shellpoint broke federal laws by fabricating this escrow analyst accounting. I have been paying all county real property taxes and homeowners insurance since the origination of the mortgage.

So at this time through the consumer financial protection Bureau, we are requesting shellPointe to submit a complete escrow accounting since shellPointe took over servicing rights.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

BSI Financial is my mortgage servicer. I established a new loan with them in XX/XX/XXXX. They have failed to pay my County tax bill with my established escrows. I have sent them a request in XXXX and XXXX with the County Tax bill. They tell me they will do it. I see this as a larger problem and that they have an issue managing escrow accounts. I expect BSI will resolve the issue, but I wanted to warn the CFPB about this problem, I suspect they have ongoing financial issues. They have been fined in XXXX for the same issue.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-07
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-02
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: RoundPoint Mortgage Servicing LLC (NC)

XXXX Complaint Explanation : Good Afternoon. I was just notified of a XXXX  Day Late on my Credit File from my Lender in a new home purchase. The Loan in question is for Loan # : XXXX ( XXXX ). This was due to how the company 's Payment System is set up. The facts of the XXXX  Day Late are as follows : The loan was transferred to them in XX/XX/year>. I promptly logged in and set up my account for autopay on XX/XX/XXXX for later in the month. It was not made aware to me though, that the payment date was not going to start until the following month instead of posting for the XXXX payment. I assumed I set the autopay up for later in the month. I did the same thing when I scheduled auto pay for the transferring servicer, so I did not assume anything different would happen during this set up. Then in XXXX, because the XXXX payment was not made, the system then canceled my Autopay. I was not notified of this either which then pushed my Loan from XXXX  Days Late to XXXX  Days Late. I was not made aware of the delinquency until my lender for a current home loan I am trying to get notified me. Once I became aware of this, I immediately paid the balance. See Payment Confirmation # : XXXX. When I called in to find out what had happened, I was notified that they made several attempts to call me. Unfortunately, none of the messages left indicated a delinquency or even a message to return their call, so I assumed that the calls were to offer a refinance because every time a lender runs your credit for a loan, I get inundated with calls asking you if I want to refinance. I submitted a dispute to them asking to remove the XXXX  Day Late because it is not fair that before my loan was transferred, I had no issues with late payments and their system caused my XXXX  Day Late. 

I sent them an email on their internal dashboard with this same complaint as a direct violation of RESPA and they responded that because they attempted to call me, that the RESPA law did not protect me and they denied my request to take the 60 day off of my Credit Report.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, EQUIFAX MTG  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX
Consumer complaint received 2023-12-10
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. (WA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-24
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. (SC)

XXXX XXXX XXXX, account number XXXX. I have no knowledge of this account and i have disputed it a number of times, ive asked them to validate this debt, and ask them to supply infomation on how they validate this item. doesnt belong to me.
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (MI)

A synopsis of the situation is that I have received several Annual Escrow Account Disclosure Statements since XX/XX/XXXX from BSI Financial who holds my VA mortgage. All have different Escrow shortage amounts, incorrect tax and insurance distribution amounts and different monthly payment amounts grossly increased as compared to prior years without large increases in either taxes or insurance. Below is some preliminary information to better describe my situation : XX/XX/XXXX, Per mortgage statement, Escrow Account Shortage : {$1200.00}, monthly payment : {$1300.00} Escrow Account Disclosure Statement Date Shortage amount Monthly Payment XX/XX/XXXX {$4800.00} {$2200.00} XX/XX/XXXX {$5300.00} {$2000.00} XX/XX/XXXX {$2900.00} {$1500.00} XX/XX/XXXX *County Tax Delinquent Notice* Confirmed Issue was reconciled. 
XX/XX/XXXX {$3600.00} {$1600.00} XX/XX/XXXX {$6600.00} {$2100.00} I have called more than XXXX dozen times to attempt to understand and rectify the situation. The last time I communicated with an escrow department member at BSI named, " XXXX '' on XX/XX/XXXX where I was advised that my complaint was going to be escalated to the next level complaint department per his supervisor and that I would be contacted, " soon '' by said complaint department. It is now XX/XX/XXXX and I have not received any communication from anyone at BSI. I attempted to contact " XXXX '' twice today and he was not in the office, and no one could advise me when he would be. I have also recently become aware of the XXXX Class Action Lawsuit which BSI Financial was found liable on for this very practice.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my credit report there are many inquiries from companies for auto loans and credit cards that I never personally made such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.