davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: College Foundation, Inc. (NC)

I had 4 accounts with XXXX, with payment starting when I graduated from college in XXXX. I paid ALL monthly payments on-time, and in XX/XX/XXXX I paid off my loans in full. 

During COVID, under the CARES act, most borrowers with federally-held loans were automatically entitled to no monthly payments or interest until XXXX XXXX, XXXX. I continued to pay my student loans as financially I was able to. 

In XX/XX/XXXX I had my XXXX  child. As a new mom, with a newborn in the height of covid, understandably I was a bit overwhelmed. I logged in to pay my student loans that fall ( as I did every month ) and the XXXX website could not find my account / allow me to login. I spoke with an agent over the phone- he mentioned there had been a system change/upgrade and 'submitted a ticket ' to have my account info linked or corrected. 

I made a payment and ensure there was no past due balance. Then the next month, the same account issue occurred again. As a new mom I focused on my newborn and didnt worry with the headache of the account linking issue, as I was under the impression that the CARES act covered my XXXX loans- I thought this for 3 reasons : 1/the CARES act covered my XXXX XXXX XXXX 2/as an XXXX, I never took out private loans and only took out federal loans, 3/the information online appeared as though XXXX was covered I was SHOCKED, I mean SHOCKED when I saw my credit report and 60 days past due ( DPD ) in XXXX XXXX, 60 DPD in XXXX, 90 DPD XXXX XXXX, 120 DPD XX/XX/XXXX and 120 DPD XX/XX/XXXX. My credit score that I had worked so hard to establish as a young adult and make solid had absolutely plummeted from a simple mistake. 

I understand that XXXX is reporting past due to the credit agencies, however believe this is inaccurate given the 1/account issue referenced above ( there are recorded calls with an agent acknowledging this ) and 2/the understanding about the CARES Act. 

I implore XXXX to remove this severely impacting negative information from my credit score. As soon as I was aware of the issue, I paid off the account in full.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (PA)

On XX/XX/21, I used INGO app to cash a check. The company stated that my identity needed to be verified and that the check was not cashed. When I tried to cash it later, it was already indicated that the check was cashed. The company does not answer emails or the phone. It has no customer service. They don't respond. They sent me a message saying they confirmed my identity, but it stated that the check was not cashed, but the it was cashed and is no longer working.
Consumer complaint received 2021-03-30
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: Bridgecrest Acceptance Corporation (PA)

In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to Bridgecrest in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with XXXX on XX/XX/2020.
Consumer complaint received 2023-02-22
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. (MS)

XXXX account # XXXX has violated my rights multiple times in 3 years including today. It is not for 1 reported accurately which is a violation of FCRA 15 USC 1681e ( b ) which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also FCRA 1681s-2 ( a ) 5 which states In general a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This account is not supposed to continue to be reported as charge off any longer after the date is was consider a charge off and that is a violation This account is also in violation of FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) which states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. This account is a Charge off which the IRS defines a charge off as a gross or ordinary income. Income is NOT part of my credit report so its not suppose to be on here anyway. The original creditor written off this charge off on their taxes with a 1099C which they did not inform me nor send me a form which they were suppose to and that is a violation in itself. They have violated on so many occasions of my rights and I want this account to be removed off my credit report.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

I settled this debt with XXXX XXXX XXXX for debt owed to XXXX XXXX. The debt was settled for {$400.00} on XX/XX/2021. XXXX XXXX XXXX verified that they owned the title to collect the debt. XXXX enlisted the help of XXXX XXXX XXXX to collect the debt knowing that the debt was sold. I received another debt collection letter from XXXX XXXX XXXX on XX/XX/2021 for collection of the XXXX XXXX debt. Ive sent my receipt of payment from XXXX XXXX XXXX  and my release of liability to XXXX XXXX XXXX  on XX/XX/2021. I just sent Resurgent Capital Services the same document on XX/XX/2021.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I sent a debt validation letter to bull city financial which was received on XX/XX/21 asking for specific documentation including contracts and/or lease agreement baring my signature and any other relevant documentation as proof that this third party company has the legal right to collect not just to verify whether or not the accounts in question belong to me or not. In the process bull city financial sent me an itemized bill with dates amounts and procedures without a signed hipaa release form. I believe that my rights have been violated. Including but not limited to never receiving a notice of intend to collect or proof a notice was sent as required under 1692g, not using the proper procedure to legally verify debt by requested the original creditor send the requested validation documentation instead Bull City Financial sent to me directly disclosing this company as possession and/or direct first hand knowledge of PHI, possibly illegal practice of passive collections ( parking )
Consumer complaint received 2021-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXX I made a partial payment of {$1300.00} towards a vacation package to XXXX, Mexico for dates May XXXX XXXX XXXX via XXXX on my capitol one credit card. I made a second payment on XXXX {$1300.00} for a total sum of {$2600.00}. On XX/XX/2020 XXXX stop it services with no notification to their customers and they provided no refund. They deactivated their website and close all their call centers leaving no possible way to get in contact with them. The flights for the vacation package was book through XXXX via XXXX. XXXX refunded two flights ( Ticket Number/Amount/Form of Payment XXXX $ XXXX ) ( Ticket Number/Amount/Form of Payment XXXX $ XXXX Check # 2 ) on two separate dates in the form of a check. The first check was sent to XXXX on XX/XX/2020 and the second check was sent on XXXX XXXX but no money was returned to my credit card. After contacting XXXX I was informed that both checks were sent to XXXX and both checks were cashed. I then proceeded to contact Capital One of to dispute the charge due to the service not being render by XXXX. After provided them with all this information and documentation, Capitol One decided to decline my dispute.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses to the wrong old phone which was our family member 's phone. The phone number was changed and I am not informed about the change. I tried several times contacting the receiver, XXXX XXXX XXXX and the Bank of America but the receiver, who took my transfer mistakenly blocked our calls. Bank of America, XXXX XXXX CA XXXX, branch XXXX XXXX XXXX XXXX and XXXX called and left messages several times to phone number XXXX ( XXXX XXXX XXXX XXXX but she did not answer or call back to Bank of America. I also called XXXX support but there was no solution to help me. 

We received letters from Bank of America saying " We recommend contacting the receiver of the funds for further assistance ''. She does not want to pay back money which the owner, I don't intend to give her.
Consumer complaint received 2023-03-07
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these changes. I asked the items be deleted to correct my credit report. I have reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am currently on a payment rehabilitation plan with both XXXX and XXXX XXXX XXXX.both are student loan companies. Although I have been paying on time and as agreed my credit report still shows late payments. This is impacting my credit score
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/XXXX I received a notice from XXXX  XXXX  that XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit report. The business is located at XXXX XXXX XXXX, XXXX, KY XXXX. At the time the report was pulled, I was working at XXXX and XXXX in XXXX XXXX Ohio. I haven't been to XXXX since XXXX. I called numerous times regarding this issue and they still haven't removed their inquiry. I explained to the company that I am on XXXX and haven't been outside of the State of Ohio since XX/XX/XXXX. It's been a couple of months since I last called the company and they still haven't removed their inquiry. 

I also received a hard inquiry from Credit Accept Corp/CAC on XX/XX/XXXX as a result of the XXXX XXXX credit pull. I asked XXXX XXXX about the pull and they told me that CAC is their financing department. I contacted CAC about the issue and explained that I haven't been to XXXX since XXXX and that I didn't give either company any permission to pull my credit. Like XXXX XXXX, they haven't done anything to remedy this.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (PA)

I am receiving bills from Regional Acceptance Corporation at my address. The bills are Not in my name, and I did not take out a loan with this company. The name associated with the bills is XXXX XXXX and on the detachable portion of the bill a second address is XXXX XXXX XXXX XXXX. The account # is XXXX. When I called a support line for Regional a woman gave a third address ( not mine ) trying to guess my address. It is obvious to me that this is fraud, and this corporation Regional Acceptance Corporation is trying to find a person by sending numerous bills to countless individuals in order to collect payment. I asked that this practice to cease and desist but was not willing to give my personal information so now I am seeking assistant from CFPB to investigate the business practice of Regional Acceptance Corporation. I want my address cleared and no more bills sent to my home address. And I think it's prudent to investigate the process of sending bills to random people in hopes of finding a fictional person. When I called Regional Acceptance Corporation, they were not helpful and seemed to put the work of clearing my address on me. This is a waste of my time and an extension of the fraud committed. Why is this now my problem and how does Regional Acceptance Corporation get away with this practice?
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (MI)

XX/XX/year> Account name WORLD FINANCE Account number XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need to be deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. 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 have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PCR Group (MI)

I was threatened by XXXX XXXX and Account Adjustment BUR that I would be thrown in jail for not paying this debt that does not belong to me it is owed by XXXX XXXX who used my personal information fraudulently
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES ITS BEEN MORE THAN 30 days and they are in violation of the " FAIR CARES ACT '' Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXs XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IL)

Problem with a credit reporting company 's investigation into an existing problem On or around XX/XX/2023 I received alert about an account called XXXX XXXX from XXXX XXXX. I filed police report and identity theft report with ftc.gov I mailed the documentation along with a request to block the fraudulent account to XXXX, XXXX, Equifax with proof of my identity. 

Around XX/XX/2023 & XX/XX/2023 the fraudulent XXXX XXXX account information was DELETED from all three credit bureaus But on XX/XX/2023 it was reinserted in my file I spoke with representative from XXXX who told me they can not remove the account AGAIN that I can not dispute it no more despite them already investigating and deleting the fraudulent account. 

n accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Consumer complaint received 2022-12-15
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)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Bridgecrest Credit Acceptance, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an auto loan account opened at Bridgecrest Acceptance Corporation on XX/XX/XXXX under the account number XXXX. I do not recognize this account. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX XXXX XXXX is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.