davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2020 went online to obtain a tax id for my XXXX. THe first site I saw was XXXX XXXX XXXX. It appears to look like a legit irs site. I put in my company information. They charged me XXXX for a tax id number that they said would be emailed to me. In the meantime, I was online and noticed that IRS does not charge for a tax id number and was going to call bank to have it stopped but then someone from XXXX XXXX  called me. I was livid at this time and told them I thought their company was misleading consumers, that I did not want their service, that I was not paying them and I wanted to speak with a supervisor. THey put me on hold and after about 20 minutes, I was disconnected. At that time, I contacted the bank who said they would investigate. I just received a letter from the bank, stating they deemed the transaction legit and are now, at this time during the coronavirus outbreak no less, recharging my account {$240.00} in 3 days for something I never received. It also took me 2 days to get through to the bank and the and are not helping either. The point is I never received a tax id from XXXX XXXX XXXX and just want the bank to not process the charge which I tried to convey with them this morning to no avail Here are the facts : I went on this site that looks like an IRS site and paid {$240.00} for something I never received. There is no disclosure on the terms and policy page of XXXX XXXX XXXX that they are not part of the IRS. 
I told XXXX XXXX XXXX I did not want the service, wasn't going to pay for it, and never received it. 
The Bank, TD, could show me no documentation that I received the tax id via email so how they said this was deemed valid, I am not sure. 
The outcome is that I received a tax id number free from the government site. I did not receive a tax id from XXXX XXXX XXXX. 
I would like TD bank not to take this money from my account tomorrow. This XXXX XXXX XXXX  is clearly misleading, there is nothing to disclose to the public that they are not part of the IRS and non suspecting consumer would clearly think they were legit. TD Bank should be able to protect their clients better especially when a product has not been received regardless how misleading XXXX XXXX XXXX  is being with the public. 

Please let me know if you can help. 
THank you XXXX
Consumer complaint received 2020-03-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

My company 's 401k account is administered by Wells Fargo Retirement Services. Neither account holders, the Company, branch personnel nor Wells Fargo Executive Office can reach a person in Retirement Services. All we get is being on hold listening to music infinitum from XXXX EST to XXXX EST. Neither the Executive Office or branch reps have a name of who is over Retirement Services. 
I'm XXXX years old, wanting to retire at year end and have to watch my account fall each day & not access my account.
Consumer complaint received 2020-03-24
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)

I have disputed account t # XXXX with " XXXX XXXX XXXX XXXX '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my Transunion and XXXX  report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.
Consumer complaint received 2020-03-24
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. (GA)

I have disputed account t # XXXX with " XXXX XXXX XXXX XXXX  '' as these accounts were fraudulently opened and were removed from my credit reports. Now these accounts have resurfaced back onto my XXXX  and Equifax report in which they DO NOT belong to me. Under the laws of the FDCPA, I previously contacted the creditor myself, and they have failed to verify that this is indeed my debt. The Fair Credit Report Act requires you to verify the validity of this  debt within 30 days. If the validity can not be verified, they are obligated by law to remove it from my credit file. These debts were unable to be validated and they need to be removed from my account immediately.
Consumer complaint received 2017-08-31
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. (MD)

On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The vehicle broke 2hrs after signing for the loan. I was outed the down payment as well as insurance fees. I was financed a warranty I was told came with the car. I was not asked if I wanted the warranty. Car was bought at XXXX XXXX  miles warranty only covered expenses under XXXX miles. The loan company promised a working vehicle. Credit acceptance and XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Note : The initial questioning does not suit my scenario, therefore I place any answer to move forward. I would suggest other means of finding the issue of the complainant, such as a direct question. 
To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX To whom it may concern, I am making a complaint in reference to property claim dispute with USAA insurance. I have been working on this claim over a year. I first noticed the damage to the home in XX/XX/XXXX. I was in school in XXXX, Tennessee at the time. 
One weekend I came home to check my mail and I had to immediately return school, because I was working as an XXXX in the mornings and attending school in the evening. I witnessed the wind blow my roof shingles up in the air like a sheet being tossed to and fro when one attempts to make their bed. It was raining at the time too. I did not have time to contact USAA and follow the complaint. I submitted the complaint when I finished school  in XXXX. The actual date may be in XXXX or XXXX of XXXX. 
I had considerable mail to police and work to do to put my house in order, literally. I have health issues that needed to be attended to and I was working with VA to get those taken care of. I had a XXXX  XXXX (  XXXX XXXX ) and they are currently working to help with XXXX XXXX XXXX XXXX XXXX, so my ability to get around is severely hampered. 
The issues with the claims are the inspector ( s ) will come out and inspect, but they do not report or even return calls to me once they have completed the report. We would have to review each inspector separately. The final inspector did make his report after my call to USAA. He admitted they will only do what the insurance company wants them to do, which is my word against his. In this final assessment by USAA and their subcontractor XXXX states the cost of repair is less than the deductible, but they never include the repair of the roof, which is estimated to be between three and five thousand dollars. 
The damage they report is to the bathroom skylight, and the dining and living room water marks. The problem with this is water flows from the roof to those other areas, so if the roof is not repaired one would be wasting their time repairing the other areas. It is akin to placing a bandage on a gaping chest wound. 
I would have to fill you in on the finer details as we go forward, because the details are considerable and extremely important. 
Thank you for any assistance, Sincerely, XXXX XXXX
Consumer complaint received 2020-04-02
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-01-22
Product: Credit 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 (CA)

This is an ongoing issue, my credit card was charged for services from XXXX which I did not authorize. First is was on XX/XX/2023 for {$18.00}, I called and the charges was reversed. Another card was issue to replace the card... XXXX. When I have not received my new card another charges from XXXX for {$13.00} on XX/XX/2023. I set up a fraud alert and any charges will required my approval, therefore I Declined the charges ( proof attached ). But as of today Capital One still insisted on that I purchased and benefit from the service. I asked for the proof of their investigation, their reply " sorry we can not provide that '' the phone coversation was recorded by Capital One ( they announced when answering my call )
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (MI)

Emailed XXXX early on Friday XX/XX/XXXX to ask for forbearance plan or skip a pay fee waiver or any other program for those affected by covid-19 like myself since I had a payment that would be auto-debited on XX/XX/XXXX. I did not get any response at all. Monday XX/XX/XXXX I emailed again. Early the next morning the payment was debited. I think institutions are supposed to be working with affected customers at this point which would at least involve SOME communication. Answering an email request for an online lender seems pretty reasonable of an expectation to me within 4 calendar days. Now I'll get an overdraft fee from my other bank too which is only their fault to the extent they didn't answer my email like it says they will within 2 business days.
Consumer complaint received 2020-03-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

Penny mac is offering assistance to srtugling homeowners.i have a major problem that although they are willing to assist .if a borrower clicks on yes to accept assistance it offers no specifics or description on assistance.Its almost like making a deal with the devil.for assistance someone needs to defer 2 months like myself and has and intrest rate of 3.250/ i have consented to the possibility of being placed in a forty year with a market intrest rate over that.?? borrowers will be inundated with intrest paymnets to achieve a lower payment.i think this definetly needs to be looked at. this in the long run will hurt borrowers and pennymac profiting handsomely, i need assistance but not at that price.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

My mortgage was transferred from XXXX XXXX XXXX XXXX to Loan Care service out of XXXX  XXXX, VA. around the end of XX/XX/XXXX. I was paying a biweekly payment so that I could pay down my mortgage earlier than the 30 year maturation date, which meant two payments in XXXX on the XXXX and XXXX. With the switch to the new company, I received paperwork that said the payments would be bumped to the XXXX and XXXX but no action was needed on my part. The XXXX past with nothing happening. I received an email from the company saying something about the original loan number being off and that the first payment would come out the XXXX. Nothing happened. I called on the XXXX to complain and figure it out, after sending an email that no one replied to. This company is almost impossible to get a hold of and requires hours on the phone of wait time to get a hold of the proper person. After a half hour on the line, the lady took all my information, reassured me that a payment would come out on the XXXX and then XXXX for XXXX and then would be every 2 weeks after that like before. Well, XXXX payment came out but none on the XXXX..Complete incompetence. I called Monday XX/XX/XXXX and waited hours to talk to someone - finally, I had no more of MY time to wait and had to go. I am still waiting for a resolution to this situation from this God awful company.
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX which stores checking and debit card info began attempting to withdraw money repeatedly from my Huntington account. I did not authorize this nor did I authorize them submitting it 3-4 times. 

I was charged a total of 10 {$37.00} returned item fees. I changed my debit card number and put a stop ACH on my account for this merchant, and yet they let them continue to try and empty my account without my permission and refused to refund me the TEN fees for one transaction which is ridiculous.
Consumer complaint received 2020-03-24
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-03-22
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. (GA)

I've submitted dispute letters to XXXX, XXXX, Equifax and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates ( XXXX XXXX XXXX ) Amount XXXX Amount XXXX I went to see this doctor they advised me the date of the appointment they could not offer the services I needed so I left without seeing the doctor. I also had Insurannce that would have covered this. This is affecting my credit bad. I have disputed this with XXXX  and no action was taken.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (NC)

I have been in the hospital, and just got out on the XX/XX/2020.  I was 2months payment behind {$1000.00} dollar 's. They claim that i have {$1100.00} In late fees and threatening to repossess my vehicle if I dont pay {$2600.00} by the XXXX. Or Else they will repossess my car. On XX/XX/XXXX. I told them i have other bills and that I had XXXX. Also I told them I could catch up on the 2 late payments not the excessive late fees. The company Consumer Portfolio Services. Also looking at my payments none of my money since XXXX is going to my principal. All to interest.
Consumer complaint received 2020-03-24
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. (LA)

I have 3 credit files all with different social security numbers but similar names they keep merging all three files and any negative information removed is eventually returned back on the file. I have complained several times and nothing has been done to correct this issue. This has preventing me from being able to purchase a home. This has been going on for more than 3 years which now causing my credit score to be very low. I try and speak to a representative and they are very rude and say they will get back with me. I have sent in verification of my social security number and ID to prove who I am really is. But nothing is being done about this.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MN)

I have tried reaching the company unsuccessfully. My phone XXXX  for XXXX people attempted to dial Best Buy 's credit card phone customer service system today several times. The machine simply is a recording that hangs up without any live customer services personnel. 

The credit card company won't work with me while I am going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ) Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My Credit reports are showing a LARGE list of accounts which are all student loan related. 
The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says XXXX When you look at terms they list XXXX per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account? 

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) TransUnion ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the Transunion report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

On or around XX/XX/XXXX I received a credit card from Discover ( XXXX XXXX XXXX XXXX ) which I never applied for. 

Because of the XXXX season I called Discover on XX/XX/XXXX to ask why I received this card I never applied for nor did I activate it? I was informed the card was used to get {$7000.00} through XXXX XXXX via XXXX XXXX? 

I have since called Discover fraud department numerous times to have this corrected to no avail so far, as of today XX/XX/XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (CA)

PayPal credit sent deceptive emails which stated 1. Payments were applied 2. Availability of credit, but I am unable to utilize any.

3. Refusing to apply payments 4. Intentional miscalculation of available credit in an amount that exceeds credit limit preventing me from ever utilizing PayPal Credit 5. Failure to allow other payment methods when checking out. And still declining my transactions.