davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (LA)

American Express Serve card has permanently suspended my account with a balance of at least {$4100.00} from a dispute that was in my favor. There was also a balance of around {$500.00}. They closed my account while the dispute was being investigated so they never had intentions of giving me my money. That money was also direct deposits from my unemployment from Washington state so isnt that illegal for them to hold those funds? I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.
Consumer complaint received 2023-01-11
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. (AZ)

The In accordance with the Fair Credit reporting act 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  Has violated my rights. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXXXXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

i fully expect pnc to provide a script as an excuse to use the card act or some other excuse to try to keepo the XXXX i have read other custoemrs have left the bank due to this. I was charged 1.50 interest on approx XXXX dollars owed on my card ending XXXX I mistakenly paid it XX/XX/XXXX not the XX/XX/XXXX as my history indicates i would have. The payment system on pnc.com is hard to use. it does not allow you to confirm payments, does not allow you to do more than one in 3 days. Right now in my life i am not too organzied and i did not realize what i did. until it was too late. AS a scripted approach they tell me they alreayd refunded one to me. a 1.50 which they did. and they then try to tell you they cant treat you differently than others. Any other bank would give it back since my history indicates it is an accident. and the payment system could be much more customer frinedly please refund it without all the excuses. please. 
refund 1.50 i wont be using either account to avoid this issue which has happened to me before. 
i know its valid. i also know its clear this is an accident and if you value my business do the right thing without investing your resources telling me no which i totally expect
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

The problem that Im having with XXXX XXXX XXXX is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX should not be reporting that I am ( 90 ) days late on the XXXX account. ( Please see page attached from my credit report. ) I was granted a forbearance due to a financial hardship with COVID. This false reporting of lates is incorrect and is seriously harming my credit score. This line item needs to be updated and/or completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-10-31
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. (FL)

This is my second attempt at recently rectifying XXXX inquires that are fraudulently reporting on my Equifax credit report. I have contacted XXXX and they assured me that the fraudulent inquiries would be removed and they are currently still reporting. I have contacted Equifax more than 6 times about this and they advised me that they have been corrected. Both Equifax and XXXX are not providing correct information. These fraudulent inquiries are still reporting as of today XXXX XXXX.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. I disputed this information with Experian on XX/XX/XXXX, the Credit Bureau says the information is accurate has not updated this information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report. I have attached two documents with the new laws.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IL)

Personal Finance is reporting an inquire on XXXX  credit report but has been removed from XXXX  and XXXX. I sent the company a dispute letter several times with no response on the issues that they are reporting not on all 3 credit reports.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

XXXX, I was charged a returned payment fee of {$30.00} on XX/XX/XXXX even though autopayment had been set up in its system. 
XXXX, They later explained that they denied the autopayment because they do not accept autopayment from a savings account even though they never informed me during any of the steps of autopayment setup. 
XXXX, The autopayment pay-from account was a Bread XXXX/ Comenity account, " a different department '' within the same institution, as their CS representative put it. 
XXXX, There was never any way for me to find out the payment would not be made on time. 
XXXX, They never informed me of the returned payment and the only way I found it out was through my water company whose payment they denied. 
XXXX, On XX/XX/XXXX, when I found out the scheduled payment was not made, I immediately called them and set up autopayment again with a checking account, which I now knew they required, and paid off the entire balance, including the returned payment fee, and including balance not yet due, as they demanded. 
XXXX, On that same phone call, they informed me they filed an escalation to get my returned payment fee back. 
XXXX, I made XXXX phone calls on XX/XX/XXXX to find out what happened to the escalation filed and to explain in detail why I should not be held responsible of the returned payment. 
XXXX, Neither of the representatives would answer any questions about the escalation filing ; they just repeated that the returned payment fee of {$30.00} would not be reimbursed. 
XXXX, On the XX/XX/XXXX phone call, I was also informed that my account would be frozen for 15 days after the entire account balance is paid off. 
XXXX, The payment finally went through on XX/XX/XXXX even though it was paid on XX/XX/XXXX and debited from the pay-from account on XX/XX/XXXX. 
XXXX, Yet, XXXX  days after the payment went through, a representative had to manually unfroze the account after a phone call from me. 
XXXX, I opened this credit account after their aggressive mailed solicitations. 
XXXX, It is a new company and their system is understandably full of problems and errors. But the real problem is that they do not take any responsibility for the defaults of their system and steadfastly refuse to do right by their wronged customers and make them whole. 
XXXX, I just want to get my money back. 
XXXX, After being stonewalled, I told them that I shall be forced to seek help from CFPB, and they coolly and immediately told me : " Go ahead! ''
Consumer complaint received 2020-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I do not know the legality of what capital one did, but I've repeatedly contacted capoital one over the last 24 months as to why they would not adjust my credit limit to meet my purchasing needs. I explained that they're sending me increase denial letters to do not correspond to information regarding my individual account. My credit score is XXXX with over XXXX annual income. There was no justification on their part as to not providing an increase. I am in the middle of purchasing a home, and I just find out from the underwriter that capital one decreased my credit limit from {$7000.00} to {$1500.00} on XX/XX/2020. I submitted documentation for all of my 17 creditors on XXXX to the lenders underwriting team. I was just told on the phone that I essential fraudulently claimed my credit line of one of my accounts. This is insane. I called capital one and they told me they did a rolling account review and lowered hundreds of thousands of accounts. She said i was provided a notice after the fact, later on in the same day which they lowered the limit. I do not understand how that is legal. It looks like i liked on my mortgage app, and my entire credit portfolio has taken a hit. I would have been better served just closing the account if I had known that would happen. How are they allowed to do that with no warning or without giving you the option to just close your account. I was in the middle of using a VA loan, and now I can't purchase the home due to shady business practices of Capital one
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and SYNCB/CARECR with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CAP1/WMT XXXX Balance : {$1200.00}
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Parrish and Lebar, LLP (VA)

In XXXX of this year I contacted the debt collector for the XXXX XXXX XXXX, Parrish & Lebar ( XXXX XXXX XXXX XXXX XXXX, Va. XXXX ) to set up a payment arrangement for a balance of over {$2000.00} due to toll fines ( that originally amounted to less than {$20.00} ) so that I could register my vehicle. I received my paperwork, mailed in my first installment payment, and I made at least 2 payments after that. In XX/XX/XXXX I contacted DMV directly because I was unable to register my car online. I was informed that there was a hold on my account due to the toll violations. I inquired about the payment arrangement and at that time I was notified that DMV stopped accepting payment arrangements for toll violations in XXXX. I contacted Parrish & Lebar, the supervisor, I believe her name is XXXX, informed me that she had no clue that there was a new DMV policy. At the time I did not have the money to pay the toll fees in full. 
XX/XX/XXXX I contacted Parrish and Lebar again and asked for a settlement amount. The supervisor informed me that the settlement amount would be {$1100.00}. On XX/XX/XXXX I called Parrish & Lebar and I asked for the settlement amount again, at this time I spoke to a different person, but I was given the same amount. I paid that amount over the phone and I later signed the receipt that was emailed to me on the same day. 
Since making that payment, I have been in contact with DMV and the XXXX XXXX XXXX trying to figure out why the hold on my DMV account hadn't been removed. Today I was told by a traffic court clerk to contact Parrish & Lebar. The conversation that I had with the supervisor of that office is what brought me to file this complaint. 
The supervisor explained to me that their law firm does not offer settlements, she & the other individual I spoke with both " assumed '' that I was referring to a garnishment that the law firm had filed last month ( I knew nothing about this & there is no record of a judgement online ). She also stated that I knew the full amount that I owed and it was up to me to notify her that I was given an incorrect amount. I explained that I have dealt with collection agencies before. In those instances I asked for a settlement amount and I was provided a dollar amount lower than the original balance. I also called Parrish & Lebar a 3rd time after I made a payment, asking them to forward my payment receipt to the traffic court because I needed to have the hold removed from my DMV account. That was yet another opportunity for them to inform me of their policy and to also explain that I still owed more money. No one said a thing. I am greatly upset. On two separate occasions I have tried to handle this toll situation and both times I have been burned. 
Parrish & Lebar should not be allowed to take a person 's money and do whatever they want without any recourse. I still owe {$1400.00}. I simply do not have it. I am not able to register my vehicle and I am not sure when I will be able to do so.
Consumer complaint received 2022-04-08
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. (NJ)

XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (LA)

American Express Bluebird card has permanently suspended my account with a balance of {$8900.00}. I just received an email on XX/XX/2020 stating that balance. I have not been able to get to those funds since some time in XX/XX/2020. I call them continuously and no one has any information to give me because of my account being frozen. All they tell me to do is write a letter and mail it to them, which I did and still have yet to get a response. I need help getting these funds released.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted Capital One in early XX/XX/XXXX, either the XX/XX/XXXX or before and inquired about changing the due date from the XX/XX/XXXX to the XX/XX/XXXX. XXXX, who I talked to said I could do that. He failed to mention it would take more than one billing cycle. I thought it could mean the XX/XX/XXXX due date would be changed. It wasnt and consequently I was charged a XXXX dollar late fee and interest of XXXX on XX/XX/XXXX. 
I then contacted them again either XX/XX/XXXX or around then. A manager then informed of the time it would take. I asked him to waive the late fee if there would be one since there was confusion on when this would kick in. He said he couldnt waive a late fee that hasnt occured yet but would make a note of it. 
I contacted Capital one on XX/XX/XXXX and XXXX XXXX said no note was made and that they couldnt waive the interest or late fee. 
When XXXX told me that the billing date was changed I assumed it could be for XX/XX/XXXX, so I put off moving money around in order to make the payment by the XX/XX/XXXX, although I could have if I was aware that it took so long to change.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Financial is the holder of Lowe 's consumer credit card. I paid my Lowe 's credit card bill of {$90.00} at Lowe 's store XXXX XXXX. The bill was not due till XX/XX/XXXX. Synchrony lost the payment. I got emails that I missed a payment, and I paid the amounts they said that I owe. Which amounted to over payment that I later got back. I filed a missing payment form with a copy of the check. They charged {$30.00} late fee and {$4.00} interest. They returned the late fee after holding it for80 days. They returned interest of only {$1.00} and they returned {$90.00} which they held for 78 days. They do not follow their own guidelines on the amount of time and procedures for investigating Lowe 's Executive Customer Relations Rep XXXX XXXX has contacted them about this. My money is just as valuable to me as their money is to them.
Consumer complaint received 2021-04-08
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: JPMORGAN CHASE & CO. (NY)

I've had a serious financial impact to my wholly-owned business due to Covid-19. Total receivables booked since XX/XX/XXXX has been a negative ( {$1700.00} ). I have only paid the minimum payment amount on my corporate Visa credit card account issued thru J.P. Morgan Chase, N.A. Shortly after the pandemic hit I called to see if a settlement agreement could be reached to close the account out entirely. The settlement department offered to close the account if i could pay 90 % of the principal balance.

I did not take the offer as I also had to negotiate a settlement offer on a corporate bank line of credit. that was resolved in late XXXX of this year. 
I called the settlement department on XX/XX/XXXX to resurrect that offer. I spoke with two individuals who said the only offer they can make at this time is 100 % payment of the principal balance. I find this totally unsatisfactory as a severely impacted small business seeking redress from one of the largest financial institutions in the world. 
I could declare corporate and personal bankruptcy in a heartbeat. I own a car, a business with little in the way of assets and a retirement account of roughly {$300000.00}. I'm XXXX years old. All I'm looking for is a fair settlement to resolve the entire account.