davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

Let me premise this complaint by saying Ive have always worked hard at preserving my excellent credit score, and this is the 2nd time in my entire credit history a creditor has intentionally ruined it. 

In XXXX of this year, I received notice from American Express that my credit card would soon expire ; and a new one should arrive shortly. In XXXX, I received my card and put it aside to use for emergency purposes. During the month of XXXX and XXXX, I received a number of promotional offers... including a personal loan. Since I pretty much stopped using credit cards, I wasnt enticed by their offers. 

On XX/XX/XXXX, concerned that my XXXX XXXX was in need of wheel alignment, I had it inspected by a reputable repair shop. Unfortunately, they determined my control arm wheel bearing unit needed replacement. Once the repair was complete I opted to pay using my American Express card. It wasnt until receiving a text message from them I realized the transaction was over my credit limit. Well, I figured an extra payment ( {$100.00} ) towards my balance would resolve it. 

Earlier this week, I received an email/text from a credit monitoring company that my score had dropped from XXXX to XXXX. Dismayed, I called American Express regarding this issue to hopefully resolve it ; or at least receive an explanation as to why the transaction was approved. Again XXXX reiterate my use of credit cards was minimum, and my credit limit had decreased on all of them. After speaking to a representative, who couldnt provide any insight on the approved transaction ; Im hoping by registering my complaint to you, my credit score would be restored. 

It really baffles me, that I can receive promotional/personal loan offers due to my credit worthiness ; yet a {$75.00} over the limit transaction ( which they should have declined ) has placed me at a marginal status. Its also worth mentioning, Ive been an American Express member since XXXX ; and never been late on a payment. My credit history is what Ive worked to achieve and maintain, and I want my XXXX score returned in its entirety.
Consumer complaint received 2023-05-19
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. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX  XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2015-08-15
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC (FL)

My husband who is XXXX year old military veteran, in declining age and in the early stage of forgetting things esp. when he takes pain medications, got involved in a trade- in transaction with XXXX XXXX thru an agent named XXXX XXXX , of XXXX , XXXX , XXXX. My husband used Kia Spectra, XXXX that is both in his name and mine to get a used pick up truck. 
The trade-in deal was hurriedly done, and within an hour or so, when I came home from my part-time job, I saw the red pick-up in our carport. I t came a surprise because that Kia was a perfect running condition, mortgage free and in fact XXXX XXXX XXXX offered to buy it back as trade-in for a newer model. 
Realizing that he could not pay the monthly payments for the used pick up truck, my husband called to return it on the second week.It was picked up after more than two weeks. 
As a wife of XXXX years, I asked about a signed contract for the transaction, but my husband had no copy to show me. Neither was there a copy of the return transaction. In short, I did not see a contract at all! 
I would describe this deal as done without following proper procedures. There was no careful screening as to the financial background whether my husband could afford to pay or not. Also, no proper interview was done to ascertain my husband health issue as to competence in making a car purchase without consulting me as a wife. If the agent was careful enough he would have seen that my husband could hardly talk, hardly walk, and even hard of hearing on his right ear. My husband is XXXX, and has XXXX. With medications he gets XXXX and does things he does not mean to do, like buying he truck he did not need. 
Now, my husband is facing a debt collection from United Recovery Systems based in XXXX XXXX in the amount of {$6200.00}, dated XXXX XXXX, 2015 thru the agent named XXXX XXXX. The Creditor named is XXXX XXXX XXXX, XXXX. But Actually, the deal was with XXXX XXXX in XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-05-19
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. (FL)

There has been a mistake in the reporting, and I request an investigation to rectify this error. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Consumer complaint received 2023-05-19
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. (AR)

As I investigated my credit report, I found out that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts I mentioned : XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2016-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AL)

My son has several student loans thru Navient ( formerly XXXX XXXX ) which I am a co-signer on several of his loans. I have paid on these loans for years b/c I always wanted to be able to pay for my kids education and in previous years he could n't afford to pay. We have been in a rate reduction plan the past couple of years with them and we have never missed a payment. This plan has to be approved each year. Since last year my sons salary has increased slightly by about {$10000.00}, but so has his expenses with a mortgage, car payment, and XXXX child XXXX XXXX ). My payments were {$520.00} per month. In renewing for this year Navient is asking him to pay {$980.00} month. His income did not double, his family is larger, his wife 's hours have been reduced. And they will not come off this rate per month or try to work with us. I feel like they do n't want you to pay them back sometimes. We have always paid and I 'm trying to pay them now and they do n't care. Seems odd that it would be this difficult to make payment arrangements when more student loans are being defaulted on everyday, more than ever before. Wish I had other options. We are a struggling XXXX family trying to do the right thing.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Account : High yields savings account Company : Marcus by Goldman Sachs Length of account : Opened XX/XX/year> On XX/XX/year> at XXXXXXXX XXXX, I received an email regarding my statement preferences being changed. I did not make a change in my statement preferences, and when I tried logging into my account, I was temporarily locked out. I called the XXXX line, and I was told that it might have been a glitch ( in regards to the email ) and I had to return the next day during normal business hours for further clarification on my account. 

Around XXXX XXXX on XX/XX/year>, I called again and was told my account was being forced closed. I asked for the reason why my account was being forced closed, and they told me that they could not provide me with the exact reasoning. I have {$2000.00} in the account that I can not access. I have been told it will be mailed to me, but when I called again, they told me that they would send it back to the originating account.

Marcus by GS will not give me any clarification on a timeline or when will I receive my money back.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

Here is the CFPB complaint based on the attached American Express dispute and the fact that this information has already been disputed with the credit reporting agencies without resolution : Consumer Complaint : Failure to Correct Disputed Information and Reporting Inaccuracies Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX SSN : XXXX-XXXX  Complaint Against : Company : American Express National Bank Address XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Details of the Complaint : I am filing this complaint against American Express National Bank for their failure to correct multiple inaccuracies in the reporting of several accounts on my credit report. I have disputed this information directly with American Express and with the three major credit reporting agenciesXXXX XXXXXXXX, and XXXXand yet, no resolution has been provided. The inaccuracies include : Multiple Charge-Offs Reported : American Express is reporting multiple charge-offs for the same accounts, which violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2. An account can only be charged off once, and reporting multiple charge-offs is inaccurate and harmful to my credit profile. 

Account Numbers Involved : XXXX, XXXX, XXXX Inaccurate Account Status : These accounts are also being reported as " open, '' which further exacerbates the inaccuracies and negatively affects my credit score and financial standing. 

These reporting errors have caused significant financial harm, including preventing me from extending credit to support my family and purchase a necessary vehicle. Despite my efforts to dispute the inaccuracies with both American Express and the credit reporting agencies, the erroneous information remains on my credit reports. 

The following are some of the potential violations they are reporting, Reporting multiple charge-offs for the same account. 
Reporting incorrect account statuses ( open vs. closed ). 
Failure to correct the inaccuracies despite repeated disputes, violating FCRA 15 USC 1681i which requires reasonable reinvestigation of disputed information. Complaints have been filed with the credit reporting agencies with the following complaint numbers, XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX. 

I seek the assistance of the CFPB in ensuring that American Express complies with the FCRA and resolves this matter promptly.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

This is a correction from previous question. Even though I uploaded the correct statement I provided the wrong paid balance for XXXX statement. Correction is as follows. XXXX paid bankruptcy balance is listed as XXXX XXXX paid bankruptcy balance is listed as XXXX. How my Paid Bankruptcy balance decrease between XXXX and XXXX by XXXX
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Sales Inc. (FL)

US auto finance is who I leased my car through. My car was stolen and damaged back in XX/XX/2022, my car insurance company paid XXXX of the dollars off then I was told that my cpi was going to cover the rest of the payment and it should be updated on my credit report in XXXX of XXXX  which never happened. I constantly reached out to the company so then they told me that it would be a charge off on my account in XXXX of XXXX  and that never happened as well I have been goin back in fourth with this company going on a year now about the removal from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MD)

On XX/XX/year>, Discover Finacial Services applied an unauthorized inquiry to my credit profile without my permission. I do not have an active or open account with Discover Finacial Services. I request that this inquiry be removed from my profile immediately and updated. In citing 15 U.S.C 1681N this matter will be corrected and updated.
Consumer complaint received 2023-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One & XXXX XXXXXXXX ), has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-18
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: SYNCHRONY FINANCIAL (TX)

I got an alert from XXXX that a hard inquiry occurred on my file from Synchrony bank. I called them to dispute it and they recommend that I also file a complaint with the FTC.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

I submitted payment to Community through my bank account, for payment in full ( {$660.00} ) on XX/XX/year>. Community has contacted me 4 times, XXXX of which were on the SAME day asking for payment. They have removed the late fee but are still saying they do not have my payment when I have advised them that my bank has documented payment has been made. This is the second time I have used my credit card through Community XXXX XXXX and I had issues with them posting payments the last time and filed a complaint. I do also have another account through community that is NOT for XXXX XXXX and NEVER have this issue with payment. 

Refer to previous complaint with same company and same issue... XXXX
Consumer complaint received 2016-10-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I live in XXXX ( XXXX ) and use the USAA Bank in XXXX, since I reached XXXX, to collect my SS payments, then once a year I transfer the amount to my XXXX bank ( XXXX Bank XXXX ). Never a problem until last week when I wanted to make another transfer. The international wire dept, said that they has new verification questions to ask before being to wire money. I said " fire away '' but they told me that their 'question qenerator ' would not give them question to ask to verify me - and therefore no transfer. I spoke with their banking dept. and then their technical department ( both gave me XXXX verification ). Both ( at different times ), transferred me back to the international wire department - but I get the same reaction : " we have some different questions to ask, so we still can not wire the funds to you ''. They refused to let me speak to a XXXX and no one has phoned me. I have no idea what the problem is and neither do the XXXX department ( referred to above ). I changed all of my login, pin code, and XXXX security questions thinking that this might be a good idea. But I still get the same reaction ( now XXXX working days ). My credit rating is gold plated ( in XXXX but, I suppose, in the XXXX as well ). USAA will not or can not say what needs to be done to break the log jam, and I am writing to you in the hope that you can determine what the issue is here and when it will be cleared up. ( I filled in your XXXX XXXX to show what ought to have occurred - but did n't ).
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Re : Wells Fargo Home Mortgage Loan # XXXX - XXXX XXXX Please be informed that the above listed Loan with Wells Fargo Home Mortgage Loans was modified and reinstated In XXXX of 2016. I have requested that my new payment information to be updated with all the credit reporting agencies to reflect my new credit and good standing. However, when verification of this information was requested from both XXXX and XXXX, Wells Fargo failed to inform them of my reinstated loan and current payment status. This negligence on the part of Wells Fargo Home Mortgage Loans has had a negative impact on my credit file, and credit score since XXXX of 2016 when the mortgage reinstatement documents were signed by myself and Wells Fargo Home Mortgage Loans. 
Please correct this misinformation immediately and provide XXXX and myself with proof that my credit file accurately reflects my reinstated mortgage loan as of XXXX 2016 and all payments made by me to my account # XXXX in XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 as of XXXX 2016 my loan should reflect 5 months of new activity but there is nothing. 
The Fair Credit Reporting Act states that this information should be reported and reported accurately as it is my right. 

Please forward to my address below written correspondence that this has been corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-05-19
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. (MD)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$940.00}, XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX Balance : {$3000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00}XXXX XXXX XXXX XXXXXXXXBalance : {$2900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX Balance : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX  Original creditor XXXX XXXX Balance : {$860.00}, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXXInquired
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In XXXX XXXX, I reviewed my credit report and noted that XXXX was reporting an account that was Pay Status in Bankruptcy Date closed XX/XX/XXXX and date updated XX/XX/XXXX which meant that the month and year that this account was to be removed is XX/XX/XXXX. I contacted XXXX and they stated that they have not updated any account and did not include an new account in Bankruptcy. What they did was XXXX consolidated all account and merged them into one. I told them that Trans Union was reporting this account in Bankruptcy and current. They stated in XX/XX/XXXX that they contacted XXXX and it would take 30 to 45 to update. XXXX instructed me not to contact XXXX because they would correct it on their end. In XX/XX/XXXX I received an account alert that stated that I had a recent Bankruptcy and that I had XXXX account in Bankruptcy with XXXX. I contacted XXXX XXXX and disputed the XXXX XXXX account because I was assured by XXXX that it was corrected. I also contacted XXXX and requestd that they update this account and remove all derogatory informaion on my file. On XXXX XXXX, XXXX, I received a letter from XXXX swtated that they would remove all trade line XXXX XXXX ) for the loan that has not been service for XXXX years or more. which would have been the account with XXXX that was open in XXXX/XXXX/XXXX, but Trans Union changed the Date Updated and XXXX to XXXX/XXXX/XXXX. I contacted XXXX again and they stated that they have disputed this account with Trans Union 3 to 4 times and each time they refused to remove the account. On XXXX/XXXX/XXXX, I spoke with a XXXX at Trans Union and they stated that they only received the dispute from Trans Union in XXXX XXXX, which would not explaned the currect credit report that I receive from them on XXXX/XXXX/XXXX. She also stated that XXXX told them that it was in Bankruptcy, and I asked her do I have a current bankruptcy in my file, she stated " no '' so, I asked her how could they report a Bankruptcy in XXXX XXXX, if I did n't have XXXX. 
XXXX, has stated on several occasion that they disputed this account. It 's listed in the Remarks on the credit report. ( Chapter XXXX Bankruptcy, DISP INVG Comp-Consumer Disagrees. The disagreement is not that I had a Bankruptcy, but the date that Trans Union reported this account. 
In XXXX, I was on the phone with both XXXX and Trans Union, they representative stated that the account is current and in repayment. That this account should be deleted. Not only is it inaccurate, its caused several negative hits to my credit report and caused me to be decline for consolidation. I 've worked diligently to improve and maintain my credit worthiness in the last 10 years and its highly injurious that Trans Union has not regards to report accurate information.