davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC (FL)

Company had sent me a payoff quote which I then sent to my attorney whom then after mailed a check to payoff loa. With the quoted amount. This company has the audacity to keep charging me interest each day and more fees after paying off the loan. I contacted them and explained the attorney took care of the payoff and that unfortunately it was mailed out to which they received the check posted to the account and still keep charging normal regular payments. I called them again and they said they will keep charging fees till I payoff the Loan. At the end this company screws people over and just dont care of the way they work with customers, I have explained numerous of time its paid and they keep at it. I have as well sent email and the response is still not even taking in consideration the date of payoff and when check received. They now send me a new payoff with a {$240.00} balance to payoff. The original payoff was XXXX which was paid on XX/XX/year> I sent them an email and requested this be looked at but they state they have the right to charge daily interest. Please people DO NOT USE PERSONIFY they will keep burning you for money. They will do as they please to drain you and call you XXXX to 5 times a day!
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (DE)

Issue # 1 I have had several instances of receiving unsatisfactory customer service from the company. I contacted the company in XXXX 2019 about upgrading my card from a Gold to Platinum XXXX XXXX XXXX card which was completed eventually after receiving contradictory information regarding rewards from multiple representatives. The first representative told me that I would received XXXX bonus miles after I spend {$1000.00} in 3 months. When I spoke with a manager regarding another promotion I seen, she informed me that the promotion that the previous representative told me about was not available and I could get XXXX bonus miles after spending {$2000.00}. So then I speak with another representative who told me that the first promotion was available. I was also told by a representative during the upgrade to the card with the higher annual fee that I would receive a companion certificate in the mail ; however when it wasn't received, I called and was told that it's sent out each year at renewal. Which again was not communicated to me but I later saw in my agreement. I explained on my follow up call that if it was to be received at renewal then they should say that. I had a vacation planned that I was depending on the certificate for just to find out that I won't receive it until XXXX, causing me to have to purchase the tickets in another form. This call lasted well over an hour which is absolutely ridiculous, there is definitely some training that is needed.

Issue # 2 I increased my credit limit from {$1000.00} to {$2000.00}  in XXXX 2019. At the time that I upgraded my card, I also requested a credit limit increase to {$5000.00} since I was looking to make this my primary card where accepted. I spoke with a representative who informed me of my options. Option # 1 submit the request traditionally and receive a hard inquiry on my credit report. Option # 2 my account would be watched for 30-60 days to monitor my spending patterns and payment history and then a judgmental decision would be made. I chose Option # 2. I called back on XXXX19 to check on the status of my request since it was beyond the 60 day timeframe just to be told that there were no notes on my account and that Option # 2 did not exist.

I requested to speak with a supervisor who explained to me that the only way to receive a credit limit increase is to request it traditionally ( hard inquiry on credit report ) or to get a pre-approval offer of a credit limit increase. I am a customer who always pays my account on time, makes multiple payments per billing cycle just to maintain enough available credit to make purchases and to be told that there is no one available at the entire company who has the authority to increase the credit limit appears to be just another contradictory and false statement communicated by the company. I feel like the practices are unfair and resolution is needed.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied for the capital one quicksilver card which had a {$200.00} bonus after spending {$500.00} in the first 3 months. 
I spent XXXX XXXX dollars in the first month alone, and then waited to receive the bonus but it never came. 
I reached out to Capital One on multiple occasions asking them why it had not been added to the account. The people I spoke with said that " you do not qualify for the bonus '' and that " sometimes people are offered alternative credit cards with different terms if they don't qualify for the card they apply for, and those cards may not have had the bonus. '' I looked up what they are talking about and there are two reasons this isn't true : 1. I have seen screenshots of people who are offered alternative cards. This offer page was never given to me. I applied and then was approved for the card with the {$200.00} bonus directly and no other offers were given. 
2. The card I applied for is the one I received -- the quicksilver card. It is not an alternative card. 
Capital one, even after escalating the issue, has said that " this isn't the offer you applied for '' which just isn't true. I know with 100 % certainty that I applied for the quicksilver with the {$200.00} bonus -- that bonus was the reason I applied! -- so this feels like either a mistake on their end that they need to correct or extremely misleading/dishonest business practices. 
It would appear that there are at least some other people already complaining about this or something similar and may be filing a class action suit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-18
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

EDD in CA approved payment for unemployment insurance in XXXX. Bank of America EDD debit card never mailed the card for payment. They claim that EDD requested a freeze and asked to call EDD. EDD said to call Bank of America for my payment and an email was sent to BOFA from EDD to authorize the payment.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 I have received a voicemail from Citibank that there is suspicious activity on my credit card. After checking the charges, I discovered there were numerous unauthorized charges starting with XX/XX/XXXX. I immediately called back Citibank to dispute the charges and to lock my card. I was assured to not to worry that there will be an investigation. On XX/XX/XXXX of XX/XX/2019I have received a phone call from Citibank that notified me that they will not dispute the charges and that I am responsible to pay for them. They do not want to dispute them because they charges were made using a chip. After this I decided to notify the police and have asked Citibank to provide me with a breakdown of which transactions were made using a chip and the time and place of each purchase, they had never fulfilled that request. When I went to file the police report I advised the police the reason I waited so long was because I wanted to provide them with a breakdown of everything to investigate but after numerous calls and pleads Citibank did not provide this information. Citibank kept on blaming it on anther department and after speaking to a supervisor they advised me that this information is unavailable to be shared with me. I have pleaded with Citibank again, but they keep on coming to the same conclusion. I had money stolen from my account at a Citibank location from their ATM and at that time somehow the issue was resolved, and the chip was duplicated. They do not want to acknowledge that at this instance it was possible. This was a separate matter and was resolved as I describe it in my letter to Citibank. Please help me resolve this dispute. I am a single mother, and this is a lot of money to me. I can provide a lot to my daughter with this money and instead of I need to pay it back with interest. I do not want to be harassed by collection agencies if I stop paying. Citibank threatened me I must pay them as stated in their response letter. I believe they do not respect me as their customer and did not perform their investigation to the best of their capability. Please help me. Attached is my recent correspondence with Citibank and the police report.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account is reporting with a 120 day late payment for 4 consecutive months in my payment history which is inaccurate reporting. I have notified Transunion about this but they keep verifying this false information.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's credit report.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got this cc in XXXX, when I was making {$8.00} an hour. Over the years they kept raising my limit and I ran it up to the XXXX limit. My parents have been giving me the money to pay the payments for the last few years. I'm getting nowhere the interest is so high and I don't make much money. Not even enough to pay rent and live on. They were calling, I didn't answer then I wrote them a letter and had my mother join me on a call with them. My mom offered to pay them {$3000.00} to settle and they said no, they made two counters offers but my mom said she couldn't pay that much. I don't have any other credit cards I just want this to be closed and done with. It has destroyed my credit, I don't know what I will do if I have to buy something I need like a car. I barely live from paycheck to paycheck. I couldn't work for a while as I had XXXX XXXX and had to have an operation, which also took a toll on me financially. I never realized how quickly I would get into trouble with credit cards, I should have never been qualified to have a XXXX limit based on my {$10.00} an hour job.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit report.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NJ)

On XX/XX/year>. I received my tax refund of {$35000.00} from XXXX. I withdrew {$400.00} XXXX XXXX from the ATM and I also tried to use my debit via the XXXX XXXX but unfortunately, they restricted my account I called to find out what was wrong but they couldn't give me a reason and no definite time they will resolve my account. 

Kindly help me.
Consumer complaint received 2023-09-20
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report and found several items on there to be Under 10 U.s. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an tem or the intormation is tound to be Inaccurate or Incomplete or can not be vertied, te consumer reporting agency shall-ipromptly delete that item of information from the tile or the consumer. or modity that item of intormation, as aporopriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (SC)

On XX/XX/2023, I received a deposit of {$100.00}, {$100.00}, and {$200.00}, totaling {$400.00}, to my Skrill account. Although I don't use my Skrill account frequently, I reactivated it in XXXX of this year. I completed the full verification process for my account and did not anticipate any issues in transferring funds from my account to my bank account. However, I recently received a notification stating that my account is now restricted for outgoing transactions and ACH deposits without any reason. I was surprised to hear this since my account was not restricted before I received the funds. It is frustrating to encounter such an issue when I have not used the account frequently. All I ask is that I receive my full balance on my account so that I may close my skrill account. This makes no sense as the account was fine before i received the funds, now all of a sudden it's restricted.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (OH)

I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at Credit Corp Solutions call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that XXXX XXXX paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that XXXX sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a XXXX reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a XXXX account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over two months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted two more IDR applications ( for a total of 4 ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately. In XXXX, I filed a complaint through here. On XX/XX/XXXX, Mohela responded that they would fix my account. A few days later, my account was back to the standard repayment level payment. They never fixed anything and blatantly lied in their response.