davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! This is very inconvenient on my part!
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

Chime is holding my deposit of {$5600.00} for over 4 business days for no reason. The EFAA of 1987 states my funds should be available no more than 4 business days after deposit. I have no history of bounced checks, my account has been opened for over 30 days, and my account is in good standing. Chime is blatantly disregarding the law because of a policy change in XX/XX/XXXX. Furthermore, the first {$200.00} at least should have been made available within 24 hours of depositing, that has also not happened. I have tried to rectify the situation with chime and they state they cant do anything because of the new policy. Policy does not trump the law and the law states I have a right to my funds.
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC (IL)

I took a loan with XXXX XXXX not sure exact time line however, I could no longer afford due to health issues and less work hours. So I contact XXXX XXXX Legal attorneys and started in a program on XX/XX/XXXX made continuous payments up until XX/XX/XXXX when I checked in with XXXX XXXX they assured me payments were being made then I received collection notice to XXXX with a company I never heard of so I called XXXX XXXX they assured payments were being made to XXXX XXXX and gave me a number to call they said they never heard of me or XXXX XXXX  they were called XXXX XXXX and they gave another number same thing about 5 times I could not locate XXXX XXXX. And XXXX couldn't either so we didn't know where payments were going I was never notified of this prior turned out now a new lender with a different name who another lender sold to it was in about XXXX different loan companies and this last one after further investigation turned out to be Oliphant USA llc which I found out on my XXXX credit report I then found XXXX XXXX quit sending payments as of XXXX which I also was never notified a huge unprofessional mess this company also never reached out to me either if not for my credit report I never would of known of this mishandling of my money but yet month after month with a few missed months I was paying.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

QUESTIONABLE BALANCE OF {$4700.00} FROM XXXX XXXX XXXX? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

checking on my credit report because I am proud that I got it above XXXX and then I became a victim of identity theft. 
In checking on my credit report I found a report from Jefferson capitol systems, without any prior notice from them about it. I find that it would be in the best interest of the consumer if they had gotten in touch with me first. They have all my current information. 
The report was from an erroneous XXXX sprint phone bill being reported in XXXX.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My loan servicing was transferred from XXXX XXXX XXXX to LoanCare LLC. on XX/XX/2021. The transfer documents stated payments due on or after XX/XX/XXXX should be paid to LoanCare LLC. However, I made a payment of {$3800.00} to XXXX  XXXX XXXX through an automated payment system on XX/XX/2021 for my payment due XX/XX/2021. After the loan was transferred, my statement for LoanCare LLC also showed that I owed a payment on XX/XX/2021. I later made this payment a second time to LoanCare LLC on XX/XX/2021 in order to avoid late fees. 

On XX/XX/2021 the escrow ( {$550.00} ) and principal ( {$1300.00} ) portions of my XX/XX/2021 payment to XXXX XXXX XXXX were made as payments to my loan on my LoanCare LLC account. However, the interest portion of the payment ( {$2000.00} ) never appeared. I contacted both XXXX XXXX XXXX and LoanCare LLC via their customer service lines on XX/XX/2021, however neither company was able to fix my issue. XXXX XXXX XXXX stated that the payment was applied to the loan at the time of transfer, as it was made before the transfer date of XX/XX/2021. LoanCare LLC said that this payment did not show up in their records, and advised me to contact XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

I have been a valued customer of Hyundai Motor Finance ( XXXX, address : XXXX XXXX XXXX, XXXX XXXX, California XXXX. Phone number : XXXX ) and I am very disappointed how my financial situation has been handled. I had purchased a Hyundai car and though I wanted to pay in full to make the vehicle mine but the dealer requested to get it financed for few months as they have ties with their associated company. I agreed though I had to pay interest for some time. I tried to pay off in subsequent months. Apparently, the my account in XXXX website is never updated about my payments. It still shows that I have pending payments. All it has listed is 5 transactions when I made about 15 transactions. And we thought we still owe money and paid more than what was supposed to pay. I called in XXXX end about it and I was told my payment will arrive in 30 days. I also requested my payments file and they sent. But no money came in 30 days. Then I called again on XX/XX/XXXX, I was told I will hear back in few days, my complaint will be filed and request will be sent to get my refund in 3-4 business days. Still nothing. Then I called on XX/XX/16 and now I hear the request will be sent now for refund. I asked what happened to the request that was sent last time, I got reply that only complaint was filed and no request for refund. I tried to ask the agent if she can connect to the manager of finance company and she said she can't. She gave me a address to file physical complaint via mail if I want. And they will respond to me in 14 days. This is so distressing. Why am I being troubled to get my money for almost 50 days?
Consumer complaint received 2021-04-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my account for no reason, and I cant give a reason. I have used Bank of America for more than three years and the account was closed, but the account was about XXXX, but a check of XXXX was returned, and another XXXX has been about 8 months so far., I have never returned or exchanged, I have been pushing to call customer service, and have not given an accurate answer
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (WA)

Hi my name is, XXXX XXXX XXXX I have a dispute based on the factors that I have in place regarding my credit score as well as, Accounts that are currently effecting my Credit score / eligibility, To obtain financial opportunities regarding Car loans, cards, and or the utilization of such things, As well as my Credibility / Worthiness XXXX Page 1 I was in the midst of a fraudulent pursuit Where my name as well as my credibility was on the line for the sake of someone elses agenda, An individual ended up swindling Under False Pretense, It appeared that in all this processing with the car and the loan I assumed this was the process of how it was supposed to be until I was informed by my mother XXXX XXXX and grandmother XXXX XXXX who had some knowledge of what had taken place. As time went the car payments were being made and also the car insurance payments as well, until I begin to receive letters from the XXXX XXXX XXXX XXXX, Also a letter of non-payment for the car insurance / foremost insurance company. Also with attachments to the vehicle meaning parking tickets/toll tickets. I began to reach out to the third-party to inquire about these issues due to these actions and not being responsible in which it reflected back to me as the official owner. 
XXXX Page 2 So at this point we contacted the XXXX XXXX XXXX XXXX and spoke with a representative by the name of Miss. XXXX XXXX who directed us to the appointed people to resolve this issue. Im XXXX XXXX and my mother XXXX XXXX contacted the third-party and re-Poed my vehicle which was a XXXX XXXX XXXX XXXX. We informed the credit union that the car was in my care. Unfortunately in the vehicle on XX/XX/XXXX it was struck by another vehicle in a tragic accident I was hospitalized in extensive care as well as a therapy also a loss of employment. I have genuinely learned my lesson on trusting in knowing in my trusting I could have lost my life as well as my credibility in hopes of regaining my strength and the ability to move forward and look at this as a learning experience and a steppingstone to building a future let alone a new chapter in my life because one day I might have to cross my own bridge and face my own challenges in my life I am asking in all of this A second chance thank you for your time and consideration XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a credit update and it list that my XXXX credit limit decreased when in fact it INCREASE. The error caused me MAJOR POINTS and no one seems to be able to understand how they should fix this error on their. I have been constantly calling them and I have yet to have someone fix this error.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-01-08
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: Bridgecrest Acceptance Corporation (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT BRIDGECREST ACCOUNT # XXXX HAS VIOLATED MY RIGHT.

15

USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURSHISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIR CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPO
SE.
Consumer complaint received 2022-04-26
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. (TN)

In accordance with the Fair Credit, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXXXXXX XXXX XXXX ( Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. 
( XXXX XXXX/XXXX/doctors/XXXX  ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. 
In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX XXXX. C & H was no longer handling my account. QAR took it over. I again made payment arrangements with them and paid {$2000.00}! 
QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it four years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XXXX XXXX with other debt collectors hired by XXXX XXXX have suppressed fictitious loan schemes against my property under court ordered sole possession. 

XXXX XXXX is copied on communication emails regularly with XXXX XXXX legal analyst for Rushmore Loan Management LLC WILLFULLY SUPPRESSING INFORMATION OR COURT ORDERS FOR FICTITIOUS LOANS BY US LOANS SCHEMES WITH RUSHMORE LOANS MGMT LLC IS VERY UNETHICAL AND UNLAWFUL Good Afternoon, Please see attached document. 

Thank you, XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC Direct ( XXXX ) XXXX Email : XXXX XXXX XXXX Intake Analyst, Dispute Resolution Rushmore Loan Management Services LLC XXXX direct | rfax | toll-free | fax machine Mail to : XXXX Web : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I reached out to Lowes and found out that my credit card account had been closed. After speaking with a representative I was advised that my account had been closed because of the last payment wasn't processed. Ultimately because there was a past payment that also didn't process the most recent payment that didn't process caused for the account to close.

I reached out to Lowes Credit Card services and i was told to send a fax to the payment processing department from the bank proving it was a bank error and my account would be reopened. After doing as instructed i called several times and Lowes stated they will not reopen my card even through its bank error and it states that in there terms and conditions of the card.

i confirmed that my bank did not process my payment and I went to the bank to find out why the bank stated they actually didn't know why my payment didn't process and wrote a letter to Lowes on my behalf stating that the funds were available and the transaction should of cleared.
Consumer complaint received 2022-04-27
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. (GA)

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 
I have attached my ONLY 2 forms of ID to this complaint
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation (TX)

I received a letter from the debt collector that If I paid {$1000.00} to the account the balance will be {$0.00} and the collection be removed and shown as paid in full It still remains on my account with a balance no change I have sent the document to verify this communication with and it still remains
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

We applied for a refi on our home and was questioned about the report from XXXX that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted XXXX and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, Experian, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.