davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. XXXX has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, XXXX continues to ignore the law. In addition XXXX was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet XXXX continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, XXXX continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (TX)

I tried to open an account with Swiss Colony two years ago and the present. I called and asked why I was turned down. They said, it was because of an account in the year 2000 and it was placed with a third party. I explained to them that I didn't remember an account back then and was not contacted by a third party. This was 19 years ago. I have several accounts that Swiss Colony is grouped with and are paid on time. For some reason, Swiss Colony keeps turning me down. Something doesn't sound right about this. And I'd like to know why do they go back to something that was 19 years ago?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have filed mutiple complaints against Equifax for not reporting XXXX XXXX loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX XXXX resubmit the account information and XXXX  did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax mutiple time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX  to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX if Equifax would return call or reply to emails from XXXX  this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws
Consumer complaint received 2022-08-16
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. (GA)

On XXXX XXXX XXXX reported XXXX XXXXXXXX XXXX account as a delinquent account which was incorrect. Prior to XXXX XXXX that XXXX XXXX XXXX  account was a {$0.00} balance I paid my full balance to XXXX XXXX prior to this account being reported to the credit bureau. This account should have never been reported on my credit report. It was never delaying or charged off. XXXX please update the status and remove this sacking from my credit file immediately. I will seek advice from an attorney you all reporting incorrect information to just get paid for a delinquent account. XXXX reported in accurate information. XXXX XXXX XXXX XXXX is fully aware that my account balance was {$0.00} prior to XX/XX/2022 and I will be suing them as well if this removed from my credit file immediately
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (HI)

I have been submitting multiple letters since XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the remaining unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Legacy Funding Corporation (FL)

Purchased vehicle XX/XX/XXXX from dealer in XXXX, PA. The vehicle was financed with Legacy Funding of XXXX, PA. The vehicle was returned to the dealership in XX/XX/XXXX. The debt appeared on my credit until I filed bankruptcy in XX/XX/XXXX ( chapter XXXX discharged XX/XX/XXXX ). I recently obtained a copy of my credit report and it shows on my credit report and loan initiated XX/XX/XXXX, and repossession of vehicle in XX/XX/XXXX. 
I called Legacy Funding @ XXXX today and spw a gentlemen who refused to give me his name. I asked why is this showing on my credit report and I dont owe them anything nor have I had the vehicle in 16 years, also it was included in my bankruptcy over 10 years ago. The gentleman stated we never got the car, so you owe. I said the information being reported is totally inaccurate, as the Loan originated 17 years ago and the car was returned 15 years ago. He said it was my problem not his and refused to assist and hung on me several times, now phone calls go to voicemail when I call. This seems like a scam!! I disputed issue with credit bureau, however this is damaging my credit, it has increased my overall debit by XXXX and also dropped my score by 30 points. Please advise how I can resolve this.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/21 I opened a Citi online accelerated savings account. At the beginning of this year I noticed that I was locked out of my account. I attempted to call to resolve the issue since I couldnt reset my password. They informed me that my account had been closed and that I should receive a letter in the mail. I waited a few weeks and still no letter. Called again and was told the same thing. They informed me it could take up to 3 months. Ive called twice since and I get the same run-around. I have a little over {$3000.00} in the account and would just like my money back as I would like to reinvest.
Consumer complaint received 2022-08-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX, XXXX. 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 XXXXXXXX
Consumer complaint received 2022-08-16
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. (AR)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts any inquires listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts.

Accounts : Account Name XXXX XXXX and Account # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My vechile was repossessed last year for one late payment which I had already call to make payment arrangements I had just had my car painted and new grill etc put in the wrecker damage my car and never responded my car have been running poorly every since I have been out of thousands of dollars to get it fix ..After replacing still same issue my car is now making a rattles sounds and the stability is very poor the company the states they have pictures of how my car was towed but it was all a lie just so I would drop my claim and I didnt
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (AL)

I am a natural person.I am a living human being. I demand the accounts listed below be removed. 

Equifax is govern by 15 USC 1681 : And they violated my rights numerous times of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX 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 2022-08-16
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2019-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC (MD)

I purchased solar panels for my home using Mosaic financing. Upon selling my home on XX/XX/2019, the loan was transferred to the new home owner. On XX/XX/2019, an installment payment was taken from my bank account for the loan. I called Mosaic on XX/XX/2019 and was advised that they needed a copy of the deed to finalize the loan assumption. I sent in the required documentation that day and was told that the document was received, but needed to be processed. By XX/XX/XXXX, I still had not received any correspondence regarding the finalization of the transfer or the refund of the payment. I called Mosaic again and spoke to a customer service representative who I previously spoke with. He tells me that I will continue to be billed and that there is nothing he can do about my refund, even though the house has been sold and I have documentation of the lien release and loan transfer signed by the senior director of loan operations. We are approaching the next billing cycle and I should not be billed for a product that is no longer mine.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (SD)

XX/XX/2019 - I'm an XXXX veteran with a service connected XXXX. I made a XXXX tip after paying for the XXXX while in XXXX CO. The card and account was locked due to the XXXX transaction. Contacted the TD Bank, XXXX, NC and the customer service department number on line regarding the error in locking the account. Verified all my information. My account was opened in XXXX or XXXX and the telephone number and email addresses have changed since the account opening. They indicated they could only text the new passcode to my old number ( which I no longer have the phone ) or I had to physically go to a TD Bank. The closest TD Bank from my new location ( XXXX XXXX, SD ) is 24 hour drive one way to NC. I do not have funds since they locked my account to drive, feed my family or pay my bills. This is causing extreme hardship, anxiety and stress. After explaining to supervisors of the call center and local bank they still insisted I had to physically go to TD Bank and there weren't any options to mail me a form to update and get a new passcode to access my account or have it unlocked. 
XX/XX/2019 - Again contacted the consumer contact number and the local bank to again try and explain the situation and the locked account. They indicated they verified who I was ; however, since the telephone number was no longer a valid number I would not have an option to receive a passcode. They indicated they could not email a form, accept verification from another Bank of my identification or wire my funds. Only option they kept stating was to physically go to the Bank. This is causing an undue hardship on my family and myself.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have filed mutiple complaints against Equifax for not reporting XXXX XXXX loan number XXXX i understand that its not reporting on the account because Equifax refuse to report it XXXX  has contacted Equifax and Equifax requested that XXXX  Mortgage resubmit the account information and XXXX  did mutiple times the most recent time was XX/XX/2024 and i petsonlly witnessed this at the bank and i also have documentation to support this from XXXX  and i have documentation from XXXX  they have reached out to Equifax XXXX time but Equifax but Equifax refuse to return any calls or emails and i have the documentation from XXXX  to suport this and all documents are attached at this point Equifax is purposely being malicious and low down and refusing to abide by my federal rights or federal laws wich is illegal... ..Equifax reply to my ever complaint is that this account is not being reported well i have documents from XXXX  if Equifax would return call or reply to emails from XXXX  this could get resolved but they refuse all it take is someone at Equifax to do their job that they get paid to do and this problem could have been fix years ago but clearly Equifax has an employee that does not respect federal laws
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANCO POPULAR DE PUERTO RICO (NV)

In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the Banco Popular of Puerto Rico to verify how the car that the bank could finance me move to there. The Banco Popular did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

We were the victims of a credit card fraud which, despite promises to the contrary, the bank has not taken any visible action to investigate or rectify. 
Here is a brief chronological description of the events. Please see attachments for a more detailed account. 
-- In XX/XX/XXXX we opened a business account at Citizens Bank in XXXX, Vt.,  for a small seasonal bed and breakfast that we operate at our home. During this initial visit to Citizens Bank offices we also arranged for credit card payment services and the lease of a credit card reading machine. 
-- In XX/XX/XXXX a prospective guest reserved rooms for an extended period of time and provided a deposit of {$1700.00} which was booked to his credit card and credited to our Citizens Bank account. 
-- In XX/XX/XXXX the prospective guest then secured a refund of the deposit from XXXX, the credit card services partner of Citizens Bank. Neither the guest nor XXXX nor Citizens Bank consulted us about the refund and we were not notified of it in a timely way. 
-- Separately, the guest communicated to us that he had changed his plans and demanded a refund of his deposit from us. Unaware that he had already received a refund, we paid him the money. We later realized we had been scammed. 
-- Citizens Bank refunded {$270.00} in fees incurred after the refund to the customer caused our account to become overdrawn, and has assured us that the matter was being investigated. But neither the bank nor XXXX has provided a progress report or any concrete indication that efforts are being made to recover money or take action against the fraudster. 
-- In XXXX the Citizens Bank branch manager in XXXX, provided a contact at XXXX. The contact was able to discuss a separate issue involving the lease of the credit card machine, but he had no knowledge of the fraud case. 
Thank you for your consideration. 

Attachments : Sequence of events previously provided to Citizens Bank. Additional documentation such as bank statements and emails available on request. 

Note : We have previously complained to the Vermont Department of Financial Regulation, which informed us on XX/XX/XXXX, that it had forwarded our complaint to the Office of the Comptroller of the Currency. We have not received an acknowledgement from the Comptroller.