davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (CA)

I reported this debt in XX/XX/XXXX when XXXX XXXX tried to collect on it and put this on my credit report. Complaint # XXXX. Now XXXX sold the debt to a collection agency, Mountain Run Solutions, who is now trying to collect on the same debt and threatening to put something on my credit report that is not mine. 

Here is my complaint again : In XXXX, XXXX, my husband contracted with XXXX through this XXXX XXXX for home monitoring alarm system. I was never party to this contract which by the way was for 60 payments from XX/XX/XXXX, was paid on time through the contract term and was on month to month after the end of the 60 months. My husband called them in XX/XX/XXXX and told them effective XXXX, he did not want to continue on month to month. They told him he had to sign something stating that he no longer wanted the services and they sent him something over electronically to sign stating this which he did twice after they claimed they did not receive it. The contract is over but they felt they had a right to continue to bill and a verbal was not enough. I never gave my social security number or gave any verbal agreement to be on this contract from the beginning. The signature or initials are not mine. I was not home the day this was done. This was entirely in my husband 's name. I called the company on XX/XX/XXXX when I discovered this was on my transunion credit report and they in fact told me this should have never been put on my report, that it was my husband who they put in collection on XX/XX/XXXX. I was not on the agreement. In fact, they offered to send a copy of the agreement which I am attaching. So how did they even get my ssn to place this? It's not on this agreement either. I repeat, this is very upsetting. To put something on someone's credit and then call it a utility company Resolution is that # 1, this is not my debt and take me off the collection. 
Resolution # 2, provide proof of payment history showing what was paid by my husband and when it became delinquent by him. 
Just sending a copy of a contract does not validate the debt being past due with no payment history. or proof of when it became delinquent. 

Also, is there something in the orignal debt that gives them the right to sell this debt to a collection agency? The original 60 month contract was fulfilled.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-28
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MT)

I leased a XXXX  Toyota XXXX through Toyota Financial Services in XXXX of 2021. The vehicle was then garaged in Washington. We then transferred the car to our home in Montana ( XXXX XXXX XXXX XXXX, XXXX, MT XXXX ), where is has always been garaged. I am a Texas resident. I licensed the truck in Texas as an out-of-state vehicle, which Texas allows. Texas did not require inspection because the truck was always to remain outside of Texas. I was instructed by Toyota to fill out Lessee 's Affidavit for Motor Vehicle Use Other Than Production of Income. I did so, had it notarized, uploaded an electronic copy into Toyota 's account system, and mailed in a copy to Toyota. Toyota then responded by sending me another copy of the Affidavit to fill out and return. At the bottom of their attached letter, it told me to call them if this vehicle was garaged out of state. I've tried twice now to do this AGAIN and their call wait times are in the hours. I hate to submit this complaint for this reason, but even if I did wait hours to speak to somebody about something I've addressed numerous times with them, the person I reach would not be able to assist me ( as I learned on previous calls ) and would have no clue what I was talking about. I wish you could nudge TFS to provide better customer service. I have had many, many vehicles from them and their customer service has been on a continuous downhill slide. I'm pretty sure this will be my last Toyota for this reason alone.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (OH)

As of today I have talked to Credence Resource Management about and old XXXX XXXX XXXX XXXX XXXX XXXX that I paid to different collections agency as a settlement in full in either XXXX or XXXX. They have managed to place this debt on all three of my credit reports and update said reports every 2 weeks bringing my credit score down at least XXXX points each time for so-called nonpayment. They say I owe XXXX XXXX XXXX {$1100.00}. I have returned all the equipment back to them so that bill should be much lower than that. 

Anyway, they need to do their research and find out when exactly that bill was paid since the last collection agency bought the debt FROM XXXX XXXX XXXX they did not have to tell them when it was paid because it was no longer an XXXX XXXX XXXX it then belonged to THAT collections agency. Since the pandemic XXXX XXXX XXXX XXXX not have updated their systems or maybe there is a glitch in their system as to how many OLD XXXX XXXX XXXX customers who are NO LONGER customers of XXXX XXXX XXXX  owe or do NOT them money ... I am NOT one of them.
Consumer complaint received 2024-05-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

I signed a lease for an apartment complex named XXXX XXXX XXXX on XXXX of XXXX, i then, in XXXX of XXXX had an issues that is deemed inhabitable, once i alerted the landlord they sent the maintenance team out and they deemed the apartment inhabitable but on XXXX the XXXX XXXX. They sent out an exterminator and put a hole in my wall. They told me it would be repaired in 7 days time. That seven turned to 35 days and that is well beyond the limitations. I wrote a letter to the landlord stating I would like to break the lease due to noncommittal actions, and then dishonoring the lease. I was not contacted anytime after to discuss the arrangements of this matter. XXXX of XXXX I was informed by XXXX credit reporting agency that I owed a balance of XXXX to Columbia debt recovery, which is the company XXXX XXXX XXXX sold the debt to. I would like to receive a letter stating why and how I owe this balance. If I can not get this information within the next 30 days I need this debt extracted from my report immediately.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (GA)

On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (OR)

Purchased {$23.00} item online, month later it never showed up, so I went back to original purchase site and called the number that said it was XXXX. 
I spoke to a female who connected me to another person who was in the fraud department. 
Found out later that was the scammers the whole time he claimed he was reversing the charges. It never happened he was using me to purchase more XXXX XXXX gift cards with my credit card. 
It totalled 8,000+ in charges. 
I finally got thru to the real XXXX and they reversed the {$23.00} dollar charge, they said I need to speak to citi bank for the rest. 
I called citi Bank they did an investigation and determined I was liable, they suggested I call XXXX XXXX for help getting this reversed on there end They have an investigation open for a week now but will not respond to any of my inquiries for an update. 
I've sat on hold multiple times for up to 40 mins only to get hung up on..
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MO)

I was effected by the the eqaifax security breach and enrolled in there free identity theft protection services id premier which is supposed to reemburse you for the cost to restore your identity up to 1 million dollars I bought my house during the beach and moved and XXXX the insurance company with the id premier service wont let me file my claim with out the original letter from eqaifax informing me that I was effected by the breach the letter was sent to my old address Im assuming because I never received it Equifax says they cant send me another letter for what ever reason that I can got to there web site and type in my info and that will tell me if I was effected but when u do that and hit submit it opens a new window with a brief message saying according to our records you where effected by the breach but XXXX want except that because it doesnt have my name on it
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (MI)

This account was already disputed and removed from my report at an earlier date. It was a mistake from the insurance company and the medical provider would not correct or remove the debt. It was sent to a collection agency and they removed the debt. It seems as if it was sold to a different collection agency and put back on. I was never contacted about this once. Nothing in the mail, no phone calls, nothing. And now my credit report has been reduced by XXXX points and Ive worked so hard to get it there. This medical debt is at least XXXX years old and was dealt with years ago. Ridiculous.
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (OH)

Hello again ; After reporting about XXXX XXXX banks lack of reporting to the credit bureaus of my mortgage payments to CFPB, XXXX got right on XXXX reported back to me three times, on XXXX then, on XXXX and finally on XXXX. Their last letter informed me that in XX/XX/XXXX, I quote, [ as part of an internal process, the credit reporting for my mortgage was deleted with a lock placed to prevent to prevent future reporting due to the prior bankruptcy filing ]. This was new information to me. The prior XXXX XXXX bankruptcy began on XXXX XXXX and ended on XX/XX/XXXX. At which time XXXX notified me, by mail that they, XXXX, I quote, [ have notified the credit agencies to update the reporting by updating the account to show the XXXX bankruptcy status as well as all permissible account information ]. 
Now, just so you understand why I was blaming XXXX. When I called XXXX " s office they sent a letter to me on XX/XX/XXXX stating that they had corrected the information in my file and had notified all four credit agencies. Then on XXXX XXXX I received a letter from the same office, senior V. P., stating that they were unable to process the request that I had submitted due to insufficient information or the current status of my loan. 
Now back to the present, XXXX '' XXXX attempt to update my information was rejected. XXXX further states that the account can not be reinserted for reporting due to the retention date being too old, per their policy and procedures, This even though the other three bureaus are reporting it as of XX/XX/XXXX. 
Ironically this was discovered by me, trying to log into the IRS web site back in XX/XX/XXXX. Which uses Experian to verify your identity. Now after numerous calls and letters, with copies of letters sent to both CFPB and EXPERIAN, with no response to. I have finally figured out that EXPERIAN has been lying and misdirecting me for over XXXXx months! And why is the IRS using such a corrupt agency? Thanks
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an account with Bank of America, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. 
At this point I dont know what else to do, i need help. 
i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.
Consumer complaint received 2021-12-28
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. (MD)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent to Experian Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}
Consumer complaint received 2021-12-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.
Consumer complaint received 2024-03-12
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX Date : XX/XX/year>
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

Date : XX/XX/2022 Amount : XXXX Account Status : Derogatory COLLECTION / CHARGE OFF Have paid the balance on this account and it shows a total of XXXX owed but is still showing up on my credit report.