davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Collection Connection (CA)

I responded to a Collection notice from XXXX/Collection Connection. I made contact verbally and written on XXXX/XXXX/2016 and XXXX/XXXX/2016. Requested validation of debt twice and even attempted to just pay. I advised them all communication must be in writing. Still received phone calls from XXXX XXXX, he left numerous voicemails to call him. I even provided a credit card on XXXX/XXXX/2016 info to pay if validation debt was received. Then received another notice XXXX/XXXX/2016 that the account was being reported to the credit bureaus. To this date, i have yet received any validation of debt. I 've emailed and sent certified letter requesting validation of debt. Today I checked my credit report and they reported the debt on my credit. I find this practice unethical and eroneous.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

XXXX XXXX provided us internet service for a little over a month in 2014. A subcontractor picked up XXXX pieces of XXXX XXXX equipment shortly after we discontinued service. At no time were we told that we needed to have either a copy of the work order or the receipt. Approximately 2 years later we received a letter from XXXX XXXX saying we owed {$150.00} for equipment. I called them and they asked if the contractor had offered us a receipt. He had not. He obviously had not followed procedure. After 7 months and repeated calls they finally found the work order but insist that we produce either a copy of the work order or the receipt. We have received 4 messages from the Credit Protection Association demanding that we pay " now. '' At no time were we informed that we must have a copy of a work order or a receipt and XXXX XXXX waited almost 2 years to ask for the {$150.00}. Either someone walked with that equipment or they have it some place. I question waiting almost 2 years to send us a notice that they did not have the equipment. At the very least XXXX XXXX should inform consumers that they are to receive a receipt if equipment is picked up to be returned to XXXX XXXX.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In short, Capitol One uses individual SSN to link to cards. This has led to issues because I have a XXXX small business XXXX credit card with them as well as a personal XXXX branded XXXX. I had a conversation back in XXXX and XXXX employees agreed it was a problem. They filed complaints with them for me. There was no response to take action to remedy this issue. How is this not impacting other business owners or are they just not taking the time to deal with it? 

Since XXXX, I sent various emails that then I was told they didnt get to the right person or needed to go elsewhere even those thats the email address that was given to me to be in touch with the month before if I did not hear back. I have E-copies of this correspondence. 
Today, I got a notice that my auto-pay was dysfunctional and so theres now a late fee on my personal card. I have never ever had this happen and its all a mess due to this problem with SSNs linking accounts that shouldnt be linked. 

Here is a copy of my email in XXXX after the phone call that I understood the issues in XXXX. Please have someone fix this or at least sort out their issues! 


Hello, I am writing to follow up on what I find to be a ridiculous issue that shouldnt exist at this level of online banking. 

I have a personal XXXX  credit card with Capitol One, as well as a XXXX XXXX business credit card. I would prefer to eventually move my business checking to Capitol One as well, but at the moment I am hesitant to do that because of the issue linking SSN to all accounts. 

I have reference # XXXX with employee ID XXXX during a call where I pointed this issue out back in XX/XX/2022. 

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. There is too much risk that someone will mix things up in trying to login or when trying to sort through things in the accounts if the primary link is the SSN attached to the account. 

I am not clear why for a business account, the primary identifying number on the account is not the XXXX for the company? It makes sense to have the XXXX as the identifying # on the personal account. Please see the phone call records and that reference number for a few known ways that this impacts the user. I know I am not the only one that has pointed this out as both people on the phone agreed it does not seem right and they have had this issue come up before. 

Anyone want to do something about it? Has there been any action on that reference # to bring it up to tech to make some changes going forward?
Consumer complaint received 2016-06-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had fell behind in my loan and received a settlement offer from the company, and under this letter and I was lead to believe that I would be settling my account for less than the full amount and that would be reported to the credit bureau. Which I figured would be better than nothing as long as I got this bill to me paid off. But to only have the company turn around and continue to report on my credit as late and still owing money. I feel the deceived me into sending them money. But they made no contact to say they was pulling back on that offer, they still wanted their money or even send an account statement after they received that money. I feel I have been deceived and taken advantage of during a time of hard times.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-26
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted dispute letter demanding an investigation into inaccuracies on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX I received a stall letter via email from Transunion stating that they did not know if it was me that sent my original dispute letter, even though it was sent with proof of identity. Per the letter, I called Transunion on XX/XX/XXXX and the representative XXXX tried to convince me that I needed to instead do it either online or over the phone with him. He stated that if I did not do it in this way than there was nothing that he could help me with, even after I told him that my letter dispute letter was in fact sent with proof of identity. This is a compete violation of my rights. I have sent out ANOTHER letter with proof of identity AGAIN stating that Transunion is reporting inaccurate information and needs to reinstate the investigation request and get back to me within 15 days being that they have ALREADY ignored my first letter and that I will file a complaint.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (TX)

TRS Recovery Services , Inc. is trying to collect for a returned check for XXXX that is not mine. They are threatening to turn me over to a another collection agency. I called them and they would not listen when I explained this was not my check and that I do no even use this Bank. I researched on the internet and it said this was a scam. There corporate offices address is : XXXX XXXX XXXX, XXXX, Tx XXXX. Phone # XXXX and XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My information was compromised in the XXXX hacking and I 'm trying to put a " credit freeze '' on my data at all three agencies to protect myself against future identity theft. I 've a near perfect XXXX XXXX and live nearly debt free, so it 's not something I use or need. As such, a freeze makes perfect sense for me. I was able to process a credit freeze with XXXX, however, TransUnion is asking that I send them a photocopy of my Social Security card before they can process the credit freeze. This seems like an unreasonable request for them to complete the process. I 've never been asked to mail a copy of my Social Security card for anything in the past. For XXXX, their phones are n't even working. So, I 've no way to even contact them at this point.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (MI)

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Am I correct that I am required to pay for a freeze on my credit for XXXX and TransUnion? I discovered this only after I had to navigate around a service TransUnion wanted me to pay for XXXX TrueIdentity XXXX as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this XXXX hack situation. XXXX should foot the bill for these credit freezes that put at least XXXX XXXX XXXX most likely many more XXXX identities at risk for theft. At {$3.00} per freeze, these agencies stand to make hundreds of millions of dollars as a result of this.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

this is a continued complaint against my Mortgage company. Wells Fargo. I believe that they have committed fraud in the way that they have handled modifications, forebearances and repayment plans Along with the way they handle foreclosures. I was looking on my states government web site. which states that I was supposed to be given a subpeana with the foreclosure sale along with a date to respond to the court with a complaint. I was never given such an item. I would like an opportunity for the court to hear my side, and to evaluate any illegal practices committed by Wells Fargo. In addition to my previous request for written proof of allowed modifications, forebearances, and re payment plans. I am now asking for proof that I was served with the subpeana for the foreclosure. Had I received such an item I would have responded to the court. I am also asking again to be considered for a proper modification, forebearance, or re finance of my mortgage loan. I also am still requesting a copy of the phone call placed on XXXX XXXX XXXX. I believe none of the above items are pripreratory, and should be released to me. If any item listed above is a pripreatory item, Then I am asking for written proof as to this.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (CA)

my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed. 

For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill. 

I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports. 

I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account. 

My concern is that this charge is going to be placed on my credit reports " again '' for another seven years! 

Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters. 

I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company. 

I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (DC)

On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I accidentally pulled more money out than I should have from my account and one of my monthly Fedloan automated student loan payments did n't go through. However, Fedloan has a practice of trying to pull the amount 3 different times every 24 hours. So I discovered this after Fedloan 's 2nd attempt and had already been charged {$70.00} in overdraft fees.
I 'll make a separate issue for overdraft fees since that 's a problem for my bank. But why is Fedloan trying 3 different times? They should only try once and if it does n't work, notify me so I can pay through a different method.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TN)

I was hospitalized and was told I was XXXX. XXXX called me everyday until I was able to pay it off a couple of months later. I do not recall, but I believe they threatened legal action. I told them they could have their money after I died.. They must have thought I was making it all up as they continued to call daily. This was in 2012 ( XXXX ). I can dig up my receipts if necessary but that does not tell how many times that they called me. I am sure their collections has an account of how often they called in their records. The subsequent collection agency they used was Convergent, XXXX Account # XXXX, Convergent Account # XXXX. I spoke to a supervisor about their calling everyday but she told me I had an uncollected debt and they were allowed to call. Although I did n't die, it put unnecessary pressure at a critical time.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We got this vehicle back on XXXX XXXX it has been 4 years and 11 months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to XXXX and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I needed my credit score for a rental application in XX/XX/2018. I went to XXXX but needed to pay XXXX dollar to receive the actual score from TransUnion. I noticed that this signed you up for a recurring monthly charge but that you could cancel immediately. As soon as I got the score I went to TransUnions website and canceled the credit monitoring service - or so I thought. When I saw a XXXX charge on my card the following month I mistakingly thought it was a bank fee because my bank uses TransUnion and I knew I canceled the credit monitoring service. Recently the charge went up to XXXX and I was looking for information on what the fee was for. This is when I realized I had been being charged monthly for a credit monitoring service that I had attempted to cancel over a year ago. I never received a single email from TransUnion saying I signed up for the service nor did I get a monthly report sent to me, they simply charged a monthly fee as silently as possible. I was able to cancel the service over the phone but they offered no recompense for the {$330.00} they had charged me over the previous months while providing no services or communication even after I had attempted to cancel.