davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (UT)

My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX  in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( transunion and XXXX  ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make matters worse, I am a XXXX XXXX XXXX  putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.
Consumer complaint received 2020-08-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NY)

I received an unsolicited US Bank Reliacard. I called several time and I am unable to get an agent. There is no email address to submit my concern and I couldn't find information on their website
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (CA)

My company had a default judgement which i did not know until XX/XX/2020. 
The total money in our bank account was from SBA for Economic Injury Disaster Loan under CARES ACT we got back in XXXX for financial assistance. Under California Governor XXXX XXXX XXXX    Executive Order N-57-20, the fund levied from my business account is exempt from any attachment, levy and garnishment. 
I sent the documents from SBA that the money was from Disaster Loan and sent the copy of the executive order to the bank.

The banker escalated and told me that the money is not falling under exemption so that they are still seizable.

I asked to talk to supervisor and XXXX answered and giving me an attitude with lousy voice. She was telling me to talk to Sheriffs office  which i did. But, i told them to go over the documents that i faxed. She did not even care for it. 
What a great service that i got from Wells Fargo. 
I have been having a Wells Fargo business account for more than 5 years. Legal processing team was the worst department that did their job right. 
The bank is not supposed to take the money for CARES ACT ( financial assistant money ) and returning all the other scheduled payment and charging me for the fees.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (CT)

I applied for and was approved for a secured credit card from Discover.  I sent them the money and for a period of time that is excessive, they have yet to release my card so that I can use it. 
While they sent me the card, I can not use it because they now claim that they are doing a " confirmation review ''. This now includes a request for my tax returns and bank statements. I posit this is something that should have been done PRIOR to taking my money which they are holding and most likely earning interest on. 
If they were not going to approve the application or if they were going to do several more layers of review, this should have been done prior to accepting money which is tied up. I can only believe this is an operating policy which profits them at the expense and inconvenience of customers.
Consumer complaint received 2020-08-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDNXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}
Consumer complaint received 2020-08-12
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. (IL)

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America sent me notification that they have " Unfortunately '' decided to close my Visa account. This account was opened in XXXX of 1999 and had a XXXX balance and was NEVER late.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (UT)

My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed  and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( XXXX and equifax ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make  matters worse, I am a XXXX XXXX XXXX   putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.
Consumer complaint received 2020-06-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from a third-party debt collector back in XXXX in regards to a payday loan from ACE advance. The third-party collector called saying that I had make payment arrangements for my outstanding debt or they would take me to court. I made the arrangement to be paid on a monthly basis. The company took 3 months worth of payments but they are now claiming that they can not process my 4th payment. They have been trying to get in contact with my employer payroll on several occasions. The last person to contact my employer regarding garnishing my pay was some by the name XXXX XXXX XXXX.
Consumer complaint received 2020-08-12
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. (MI)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. CHAPTER7BANKRUPTCYDISCHARGED DPTEDXXXX {$540.00} DPTEDXXXX  XXXX {$10000.00} XXXX  XXXX {$3700.00} XXXX XXXX {$2600.00} DPTEDXXXX XXXX {$17000.00} XXXX {$4500.00} XXXX XXXX {$4000.00} DPTEDXXXX XXXX {$18000.00} DTEDXXXX  XXXX {$19000.00} DPTEDXXXX  XXXX {$6500.00} DPTEDXXXX XXXX {$8600.00} DEPTEDXXXX XXXX {$1500.00} DPTEDXXXX XXXX {$5500.00} DPTEDXXXX XXXX {$7700.00} XXXX XXXX {$1000.00} XXXX XXXX {$26000.00} CHAPTER7BANKRUPTCYDISCHARGED XXXX DPT ED XXXX XXXX {$6300.00} DPT ED XXXX XXXX {$500.00} DPT ED XXXX XXXX {$6000.00} DPT ED XXXX XXXX {$4200.00} DEPT ED XXXX XXXX {$8500.00}
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is closing branches and using COVID as an excuse. In my hometown, zip XXXX, there were 5 branches. None are open, they left one drive in teller to serve the community. Why not all drive ins? That might make senses under current conditions. 
Now Im at my summer place in CT and they are doing the same here. 
Using COVID is a very thin excuse. It appears they are doing this for short term gains at the expense of customers. 
I intend to find another bank when I get back home this fall. B of As customer service has been POOR, now there is no service. 
How can they just close branches? Isnt regulatory approval required?
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SHM Holdings, LLC (CA)

I recently closed a mortgage with Strong Home XXXX, with title services provided by XXXX of California. I signed the paperwork for the mortgage on XX/XX/XXXX at my home. The mobile notary brought only one copy of the paperwork. Since signing the paperwork, the loan has closed, and the lender ( Strong ), the title company ( XXXX ), and the notary ( XXXX XXXX ) have been unable to supply me a copy of the papers that I signed.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a XXXX XXXX credit card and realize that they were going to charge me {$75.00} to get the card and XXXX every month I decided I didnt want the card and asked for a refund on the {$75.00} they added interest to the {$75.00} did not refund it to me and turned it over to Midland financial I asked for my {$75.00} back and made a deal with them, but I can never do that because their system wasnt working, I called them at least 10 times to try and get this resolved they werent willing to.
Consumer complaint received 2023-05-26
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. (TX)

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 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 2020-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I had a payment due for XXXX. At this time I had already been in the process of refinancing my home to pay this loan off in full. XXXX XXXX  was my servicer. I have requested payoff information, but they are taking over a week just to get a payoff delaying my refinancing over and over. Every time I call they will say that they have sent what I need, but it is untrue and provable that it isn't true because the information would show up on the online account if it had been generated.The payment I made for my XXXX payment was suspended because I made it at the end of XXXX. XXXX didn't pull the payment from my account until XXXX. The transfer took place on XXXX to SPS and the balloon payment with XXXX is due at that time. The XXXX payment did not get transferred to sps until XX/XX/15 after the XXXX transfer date. Therefore, they are holding it in pending payments and that is preventing me from closing the refinance I have in place. They are forcing me into default. I just want them to apply the payment they already have that has cleared my account. This way I can move forward with my conventional refinance and pay the loan off in full. At first, I thought the transfer happened so they could give SPS the opportunity to refinance the loan, then I was told by SPS that SPS doesn't even do refinances. So, why would they transfer my loan at it's maturity date and cause these issues? It seems like XXXX bank and sps are in the business of trying to take people 's homes.
Consumer complaint received 2020-08-12
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. (RI)

I was assessed with a wrongful 30 day late payment. This was on the onset of covid when my hours at work were dramatically decreased. I made my minimum payment of XXXX on XX/XX/XXXX ( 29 days late ) my due date is XX/XX/XXXX. Since then I have paid off the card and my balance is XXXX. When explaining this to them they had no mercy and wouldnt make an adjustment to my credit report. Similar to in XXXX   when I had auto pay to a different bank account and they wouldnt remove the late payment. I understand being firm on policy but for a customer of 3 years to not be understanding during a worldwide pandemic is not encouraging as a customer. This is preventing me to qualify for a mortgage and effecting my quality of live.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

XXXX XXXX On Sunday, XX/XX/XXXX, we purchased XXXX kittens  on this website ( XXXX XXXX XXXX ) for a total of {$1000.00}. XXXX XXXX XXXX We paid, using Bank of the West , online banking with a XXXX wire. 
Name of the seller : XXXX XXXX email address of the seller : XXXX Phone number that they used : XXXX XXXX XXXX XXXX email address : XXXX ( and also they proposed to pay with XXXX for the additional fees ) : XXXX This morning they sent us an email from XXXX, with this phone number ( XXXX ) XXXX asking us to pay {$2600.00} for XXXX crates. 
Of course, we didn't paid for the crates and we never received the kittens. 
Then we reached Bank of the west, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact XXXX. 
Of course, XXXX is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2020-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XXXX, I bought a plane ticket from XXXX  to XXXX. My flight was to leave right before XXXX XXXX XXXX, when everything shut down due to Covid. When I bought my tickets, I bought a checked bag. The day before my flight XXXX emailed me, and told me to buy a bag for the flight and said I had none, so I bought the bag again. THEN ON THE DAY OF THE FLIGHT XXXX  TOLD ME TO BUY A BAG AGAIN and that I had no baggage available, so I paid for a bag 3 TIMES! Friends called me at the airport and told me they legally couldnt house me as it would shut down their businesses. I tried for over a week trying. To get a hold of anyone at XXXX or XXXX, after waiting on hold for 13 hours  spread out across 10 days, I got a hold of no one, I waited for online chat no one responded, I emailed, no one responded. I filed XXXX  complaints with both of them. XXXX finally responded that they would give me a voucher for the flight. XXXX never responded, and XXXX blamed the bag fiasco on XXXX. As I have outlined with 5/3, XXXX, and 5/3 in numerous disputes. I want the refund for the 3 TIMES BAG CHARGE, and preferably for the flight. XXXX didnt respond after the initial XXXX   response, for over a month and a half. Mid to late XXXX. Due entirely to XXXX tardiness, I could not reschedule to fly out with my work schedule. But I demand to be paid back the full amount of {$150.00} pus tax for all 3 bags these fraudsters overcharged me for the bags. As Ive already told the 5/3 disputes department team- I will change banks. This is their 3rd screw up for me in 7 years. I will drop them tomorrow if they dont respond properly to this. I have already sent them dozens of pages of emails showing how XXXX  over charged me 3 times for one bag THAT I NEVER COULD USE!
Consumer complaint received 2020-08-12
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: FORD MOTOR CREDIT CO. (OH)

On my credit report I seen a hard inquiry from FORD MOTOR CREDIT and I didnt ever apply for a car loan or any services through them! I dont drive so this is a fraudulent inquiry and I want it removed
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been a XXXX XXXX customer for many years and i have paid all my credit card bills on time ; throughout XXXX and XXXX, I have made a grand total of {$990.00} on payments to my credit card, but every time i have made a payment, XXXX XXXX has marked it as past due and this XXXX, after i had made a {$400.00} payment to XXXX  XXXX, they marked my account as past due to the credit reporting agency, which drastically dropped my credit scores to XXXX, which also put my house purchase in jeopardy since i have to close by XX/XX/2020 and the mortgage company needed a deletion letter in order to process the application. i had filed a dispute with transunion and XXXX XXXX had reversed the late fee. but however, XXXX XXXX refused to provide me with the deletion letter i needed, even after escalating to a manager because it will take 30 days to investigate which will end on XX/XX/2020 and another 14 days to provide the letter, which will mean that i will not be able to move forward in my home buying process and losing out on the home i wanted.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a complaint a few month ago regarding my identity thief situation with XXXX. The XXXX account that was charge off is fraudulent and need to be remove off my credit report immediately. I am not sure why it has pop back up on my account but it needs to be remove because it can not be verified and it already has been proven to be fraud. I found out that its still on because i tried to refinance my car and take advantage of the better rate due to Covid and i can not get accepted due to this fraudulent account. XXXX  already has removed the account and updated my profile this has been a big hassle and i wish it to be resolve as soon as possible. Looking at my credit history you can tell that these fraud account does not reflect the 7-8 years of good credit history and large number of account. I will include a copy that i have summited before regarding the identity thief with experian.