davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Continental Finance Company, LLC (MI)

I've included screenshots. My due date is suppose to be on the XXXX of every month yet the date change daily. The other screenshot shows proof my credit limit increase was changed from the XXXX to the XXXX. I included a screenshot of the email i get every 6 months. Yet when i call i get the run around and a bunch of lies. 

I called Continental Finance multiple times within the last 30 days regarding my XXXX Credit Card and have received the run around for almost 30 days. This Company 's employees tell one lie after another. Now i'm being falsely accused of applying for a credit limit increase. It's been 6 months and if i had not called this Company they wouldn't have ever sent me an updated card. Any Company that offer credit cards is suppose to send their customers an updated card 2 to 3 weeks before the card they have expire yet i had to contact Continental Finance only to get the run around for nearly a month. Multiple agrnts told me therevis no valid reason why i never received updated cards. I should've received updated cards in XX/XX/XXXX for my XXXX card and in XX/XX/XXXX for my XXXX card yet 6 months later i had to contact them. I've never missed a payment or been late making a payment. Since i've had this XXXX credit card every 6 months i get an invitation by email to apply for a credit limit increase. Continental Finance have now changed my bill due date which should be on the XXXX of every month along with my XXXX card thru Continental Finance. They also changed the date for my credit limit increase which should be on the XXXX every 6 months like my XXXX XXXX. Continental Finance agents have repeatedly lied that i called in and have been lying for a month that my date would be back set to the XXXX for my bill due date and for my credit limit increase. Their agents lie about anything and they leave you sitting on a call even when you tell them due to XXXX XXXX you can't stay on a long call while they lie about getting a Supervisor. 


A week ago a XXXX agent name XXXX or XXXX from their so called Escalations Department contacted me and left me a voicemail. Since early XX/XX/XXXX i've called her and left voicemail after voicemail yet she didn't bother to even contact me back and it's nearly 30 days later. Customers wouldn't have to keep filing complaints on Companies if they did the right things and not lie snd give customers the run around.
Consumer complaint received 2022-07-03
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. (IL)

XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX i is not something i made it was falsely added and should be deleted
Consumer complaint received 2022-02-16
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-29
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: CREDIT ACCEPTANCE CORPORATION (TX)

I reached out to XXXX, XXXX and XXXX via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for Credit Acceptance Corp and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, Credit Acceptance Corp continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from Credit Acceptance Corp without any documents proving the validity of the account. I have sent 3 letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and Credit Acceptance Corp has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.
Consumer complaint received 2022-07-03
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. (PA)

I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me
Consumer complaint received 2022-07-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

TO WHOM IT MAY CONCERN : I have recently made an application for XXXX credit in which the application was summarily declined. However, in writing to each credit reporting agency to obtain a copy of the credit report, they used in reporting to XXXX at that time. 

I understand I am within my rights to collect the same information they sent to the firm when the credit profile was requested. It reports on me ; the information is personal and directly appointed to me. 

Trans Union is failing to report the information I requested, as they have somehow manipulated the report in a way they wish to charge me for my credit score. However, my accounting is not complete without this information, and according to the FCRA, I am entitled to a full copy of the information they reported. They think it is acceptable to charge me {$9.00} for the report that would include the credit score they had when they said on my file. 

The FCRA entitles me to receive the completed report at no cost to myself. Without my data, they would not have been able to supply the information to XXXX, and now I want this copy, including the credit score to which I am entitled. 

If this FCRA has been eroded and I am no longer entitled to receive this, I am asking your agency to step in and enforce this law with Trans-Union on my behalf to have them supply me the complete report that includes the credit score. 

Thank You in advance for your help.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX is listed as the original company when its actually wise loan Worst Delinquency on XXXX states the account is 90 days past due while Experian statesCharge Off/Other Derog. XXXX states on XXXX last activity was XX/XX/XXXX but on Experian states last activity was XX/XX/XXXX XXXX states on XXXX last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian also reported as foreclosure on Experian last activity reported XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX and Experian the balance on XXXX states XXXX but on XXXX and Experian the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX  but XX/XX/XXXX on XXXX.XXXX  last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian last activity was XX/XX/XXXX on Experian XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on Experian but on XXXX XX/XX/XXXX closed date on XXXX XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on XXXX XX/XX/XXXX but on XXXX XX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (TX)

Contacted Navient several times for assistance with IDR plans and other SAVE plans. Was locked into repayment plans that I could not afford and could not make timely payments for which has affected my ability to purchase a home, and decrease my debt to income ratio. 
Asked several times for assistance with lowering my monthly payment and was an advised that I could not. 
I was very cooperative and willing to make payments toward my student loans but could not afford the plan provided to me by XXXX. This has caused extreme XXXX and XXXX  to the point where I can not function daily due to the worries about student loan payments. I have also not been able to secure employment that affords me the opportunity pay off the loans in a manner sufficient with the education that I received. The economy, cost of living, inflation. And low wages prevents me from affording the plans offered by XXXX  and I was not able to place my loans in deferred or forbearance status without incurring additional interest. 
XXXX  sent several messages to be regarding making payments that I could not afford.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The issue as I see it with all reporting agencies is as follows. 
Once XXXX in a bankruptcy XXXX XXXX why are banks and institutions still allowed to keep old late payments and derogatory credit information on my report for 7 years. Ive already faced the ultimate price and embarrassment of not being able to fulfill my financial obligations and losing everything. As Im sure so many others have faced.

The complaint is if we have on our reports a Public Record of bankruptcy for all to see for 10yrs which also gives us a chance to start again, by clearing a path to make that start. Also legally having no further obligation to the institutions. Why do reporting agencies or the Govt agencies allow the reporting agencies in conjunction with the institutions still show what has been XXXX. 
New credit establishments can see the bankruptcy big and bold so they will either work or not with us which is at there discretion and fully understandable. 
So why allow the so-called XXXX past of late payment or settled reporting be there after bankruptcy hurting us while Re-establishing doesnt the bankruptcy say it all? 
I realize this is a long statement but need a to be addressed for all not just myself. 

Thank you for your help and time in advance.
Consumer complaint received 2022-07-03
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. (PA)

These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, XXXX EQUIFAX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (NC)

On XX/XX/XXXX, I contacted XXXX to switch the direct deposit of my benefits from XXXX XXXX XXXX XXXX to Revolut. XXXX gave me confirmation that my direct deposit information was updated and my XXXX benefit payments would be deposited in the Revolut account via XXXX XXXX Bank on XX/XX/XXXX. 

Come XX/XX/XXXX, I checked my Revolut account and did not see my XXXX deposits. I contacted support and they stated it was an issue with the sender. I called XXXX and they confirmed that the deposits were sent to the right account and they opened a trace on their end. I gave Revolut this information via the chat feature. I asked repeatedly to be transferred to the department who was investigating this matter, since customer service could not even see anything. I was stonewalled and stated I could not speak to that department and never could, which was a lie since I spoke with XXXX in the Transfer department just the previous week on a different matter with a missing transfer. 

Everytime I ask for updates, I just get blanketed copy and paste statements which provide no actual updates on where my missing {$3300.00} deposit is. I can not pay my rent, buy medication, buy food for my kids, or anything. Never once since I have been receiving benefit payments since 2008, has this ever happened when I have used a real bank. 

To not have any answers and to be told that me asking if the supposed department that is " investigating my case '' is even working over the weekend is an internal matter that can not be told to me, is beyond ridiculous and shady. 

My {$3300.00} is lost and Revolut is being really shady as far as providing actual updates as to what is being done to find and deposit my money. I am facing eviction for non-payment because I am not receiving any answers from Revolut.
Consumer complaint received 2022-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (LA)

It was agreed that when I voluntary surrendered my car over to KIA Motor Finance in excellent condition they would no longer hold me responsible for payment. I have attached the paperwork that was faxed to them on XX/XX/2017. I never received any paperwork from them concering the agreement. They are still holding an excessive amount outstanding. I did everything they asked and the XXXX XXXX never confirmed anything with me once they received the car.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Portfolio XXXX is making a fraud claim on a bill that I do not owe and never was sent. In XXXX my Light Company was and is still XXXX XXXX. They claimed that XXXX XXXX has sent them a bill from XXXX ( XXXX ) for the amount of {$180.00} dollars. Then when I called Portfolio they came back and said that the bill was from XXXX. All of these years I have not ever been sent a collections letter or a bill from XXXX XXXX. A couple of years ago they tried with XXXX XXXX XXXX and found out that XXXX XXXX XXXX said that they does not even use them as there collections company. I have no past due debts on my credit file. In XXXX my name was not the name used on the letter. You can see that they is attempting to scam and defraud me. Before XXXX I was with XXXX and then XXXX XXXX XXXX. You can see that all of my bills is not in the listed name on the scam and defraud letter from them. If the debt was in XXXX as claimed, why send the letter date XXXX, and why wait 13 years to attempt to collect a debit. TX Law says 7 years in order to attempt to collect a debt.
Consumer complaint received 2022-07-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

Ace check cash representative fraudulent took my cash that was fir my credit card payment. Never applying funds it credit card, for XXXX months XXXX credit cards. I was able to locate receipt and representative made copies and never phoned me back, or paid my creditor. Stealing my funds and destroying my credit score.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX an unauthorized charge was presented to Truist Bank for processing. As a result, I incurred XXXX overdraft fees. After filing a dispute with Truist Bank, I was advised that they could not overturn the charge but they would return the overdraft fees that were caused as a result of this transaction as a courtesy. On XX/XX/XXXX, Truist Bank refunded ( 1 ) {$36.00} overdraft fee. When asked why only one charge, Truist bank claims that only XXXX of the XXXX overdraft charges were a result of the unauthorized charge. Truist Bank claims that the payment posted on XX/XX/XXXX and any overdraft fees prior to that are not related. I advised that the payment was presented to Truist bank and pending effective XX/XX/XXXX which caused all posting payments on XX/XX/XXXX to incur an overdraft fee. I have requested multiple supervisor requests only to be told that they would call within XX/XX/XXXX business hours. Of course no one calls. On XX/XX/XXXX, I contacted Truist Bank to which I requested a supervisor call back. I was told that the supervisor will call me back during the hours that they were available and that I would have to schedule an appointment for a call back. I agreed and scheduled a call back for XXXX. I was told that the supervisor that would be calling me back would be XXXX XXXX, Complaints Manager. On XX/XX/XXXX, I received a call from an agent advising me that the Manager had something better to do and would not be calling me back. My complaint is that I want Truist Bank advised that they would refund all overdraft fees associated with the unauthorized transaction but only refunded one. Secondly, I am concerned that Truist Bank does not keep sufficient bank records. Truist Bank did not know that the charge was presented on XX/XX/XXXX. This should be known information to Truist Bank. Instead, I had to go over the transaction details and point out to the agent 's line by line to show when the account became overdrawn. This is not acceptable. Attached shows when the XXXX overdraft fees were charged to the account and when Truist bank only refunded one of them.
Consumer complaint received 2024-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

I had this identical issue at this time last year, and attempting to contact the mortgage company to get it resolved in a timely manner proved fruitless until I filed a complaint. ( Reference complaint number XXXX ). I did try to contact the company today, but was unsuccessful as it is a weekend. Because this issue has not been resolved from last year, and in an effort to get it resolved immediately and avoid unnecessary frustration, I am foregoing further attempts to contact the mortgager and will simply repeat the process that got the results last year. 

My property taxes were due on XXXX. Today, XX/XX/XXXX, I received a mailed notice that the taxes had not been paid and will become delinquent on XXXX. Based on prior experience, I am concerned that attempts to contact the mortgager about this on my own will not be fruitful, or that I will not have sufficient time to take any further action I need to take ( if any ) once they respond. 

I am hopeful that the issue can be resolved comletely this year and that I won't need to repeat this complaint process next year.
Consumer complaint received 2022-07-03
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. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

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.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

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.