davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (NH)

XX/XX/2020 and prior date ( about 10 days ago ) received call from Synchrony Bank ( tele. number : XXXX ) stating that my 'account ' is deliquent!! then they asked me for the last 4 of my SS #!! I said NO, i will not give u that information. Then they hung up. also, they stated that 'this call will be recorded for security reasons. '' what?? Today, I called the number back and spoke with someone asking them what they did ... he said they are one of the biggest banks in the world and they handle deliquent accounts ... i said i have a credit score of XXXX and have NEVER had a problem..and that they have no right to ask for the last 4 of a ss #. he said they do. I told him I was going to report them and that they had no business calling me and to not call my number again. To get to talk to the rep.i spoke w/today I had to enter my last 4 ... I just hit XXXX and got someone. because it asks for your last 4. I believe they are a SCAM because I have NEVER EVER had a late charge, I have excellent credit, I would really  appreciate it if you would look into this 'caller/company ( synchrony bank ) and yes, I do have them as one of my 'payees ' through JC Penny card, but have never had a problem with my account. I feel as if I am being stocked and that they are trying to get info, on MY accounts for their benefit. Thank you.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (GA)

Experian has failed to respond to me sending me proof that i gave consent of these private transaction to be shared with third party. my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so ... Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2019, I made a referral via email to my husband from my XXXX XXXX Rewards card. My husband chose the XXXX XXXX XXXX card. After 4 weeks, I chatted with American Express to inquire when the referral bonus would post. American Express then acknowledged that the referral had been captured and to wait an additional 2 weeks and that they would open an investigation. I have checked back every 2 weeks, and each time there has been excuse after excuse of why the points have not posted. 

4 weeks ago, I was told the reason the points had not posted was because my husband chose a different card than the one referred from. This is false as it says right on American Express 's website that the receiver can choose any card they like. The chat representative then backtracked and said they'd escalate the investigation. 

Today, I chatted with American Express and was escalated to a supervisor. The supervisor said that the points were not applied because my husband chose a different card. This is unacceptable for the representatives AND supervisors to not even know their own policy on referrals. I sent their own website to the supervisor and she said would open a NEW investigation taking another 6-8 weeks. 

American Express offered a referral bonus of XXXX points if referring from my XXXX XXXX Rewards card. I referred from the card to my husband, he was approved. The referral happened and was captured on XX/XX/2019. It is now XX/XX/XXXX, and I'm being told to wait until the end of XX/XX/XXXX for something that should have been handled within a week or so. American Express, please manually credit me these points so I can be satisfied with your service once again.
Consumer complaint received 2019-07-26
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. (DC)

after reviewing my credit report with XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (GA)

To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not approve short sales. I find this hard to believe since the Federal Government has had the underwater program in place since 2008 or earlier. I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and i a need.
Consumer complaint received 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

after reviewing my credit report with XX/XX/XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

XXXX XXXX asked for debt to validated four times by XXXX. one time debt was removed by XXXX XXXX because not accurate. They then waited and put back on here. I have asked all calls and letters cease they continue to put wrong information on credit report. 
XXXX XXXX paid asked for this to be removed not stil by company or XXXX XXXX asked for validation nothing. 
XXXX, XXXX and XXXX continue to put wrong information on credit report when you do a dispute they are doing it.
Consumer complaint received 2019-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MT)

Less than 3 weeks ago I first applied for a personal loan with ONEMAIN FINANCIAL and was denied. Approximately 1 1/2 weeks after that denial I received an email from ONEMAIN FINANCIAL soliciting me to request again for a personal loan. I did apply again and received a call from " XXXX '' from ONEMAIN FINANCIAL on or about XX/XX/XXXX and he informed me after asking numerous questions that I was " APPROVED ''. XXXX asked me to submit ( 1 ) Pay Stub ( 2 ) Phot ID ( 3 ) Authorization to release information form. XXXX told me I was approved for {$7200.00} but I told him I only needed {$7000.00}. XXXX told me how much my monthly payment was going to be, interest rate, & the term of the loan ( 60 months XXXX. On or about XX/XX/XXXX I was notified by ONEMAIN ( name of rep unknown - did not write it down ) my loan was denied but the following day XXXX called me and said it wasn't denied but rather it was approved by underwriting but the fraud department of ONEMAIN needed more information. XXXX asked me to provide a copy of a voided check and my W2 from XX/XX/XXXX. I told XXXX that I felt uncomfortable providing so much private information. XXXX told me " your loan is approved don't worry it's that the fraud department needs my information because of my fraud alert on my credit ''. I submitted the documentation XXXX requested and the following day I was conducted by XXXX stating that the fraud department has verified and confirmed all the documentation I provided but needed more. XXXX asked me that I need to provided a copy of my social security card, utility bill, & a copy of my most recent bank statement. I displayed my concern to XXXX regarding feeling uncomfortable providing such private information ( 9 DOCUMENTS IN TOTAL ). XXXX told me " your loan is approved & the fraud department needs this information because of the fraud alert in your credit ''. I emphasized to XXXX that I will only provide additional documentation if he is certain my loan is approved. Without hesitation XXXX stated " It is the only thing holding the funding into your bank account if for the fraud department to have the documentation because it is in the best interest of ONEMAIN to have it because of my fraud alert on my credit report ''. Although I was very hesitant and uncomfortable with the additional documentation being requested of me I told XXXX I will provide this additional information only because he has assured me that the loan was approved. Approximately 3 days later I got a phone call from a ONEMAIN representative telling me my loan was denied ( very unprofessional & rude ).
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Cogent Road, Inc. (CA)

XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. 
I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. 
He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. 
I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. 
One more time, I asked what their policy was regarding consumer privacy, he said there was not one. 
I then asked for his last name, and he said it was just the letter XXXX. 
Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. 
The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

I opened a Private Client account at Chase Bank on XX/XX/2019. 
Over the weekend, I applied online for the Chase Freedom unlimited Credit card. I was contacted by phone by Chase Bank at my home number and assumed that this was the call to verify my application. I received an e-mail on XX/XX/2019 approving my application. My credit cards arrived on Saturday, XX/XX/XXXX. I charged 2 transactions totaling XXXX over the weekend. When I tried to charge lunch on Monday, XXXX, the charge was denied. Upon calling the XXXX #, I was told that the card was closed by the bank and i would receive a letter of explanation. 
That letter arrived on Saturday XX/XX/XXXX. As instructed, I went to the bank branch to reapply. After 30 minutes with the bank officer, the reapplication was denied, stating that a 30 day wait was required. After numerous calls to the local branch and credit card center, I was told that I could not reapply for this card for 48 months. 

They mishandled the approval from me on the FTC recommended fraud alert.
Consumer complaint received 2019-03-15
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I opened a XXXX Platinum card from American Express ( Amex ) with a welcome bonus of 60,000 Membership Rewards points after spending {$5000.00} in 90 days. I met the spending requirement within the first 50 days ( probably sooner ) after I received the card, but the bonus did not show up on my account. Therefore, I double checked with an Amex customer representative ( CR ) online and I was confirmed that the welcome bonus was attached to my account and I have met the spending requirement ( see attached screen shots ). 
A few days ago, I spoke to an Amex CR again as I still did not see the bonus being posted and I was told that I should have the points when I got my 3rd statement. However, after I received my 3rd statement, I still did not received the 60,000-points bonus. Thus, I called an Amex CR again about the same question, and then I was given a totally different story, saying that I was not qualified for the bonus because I had a similar product before. The product being referred to is Platinum card but not XXXX XXXX card. In addition, when I applied for the card I did not get the information and most importantly I confirmed with the representative that I had the welcome bonus and I would get the bonus. 

In short, 1 ) the spending requirement has been met within the required period ; 2 ) Amex confirmed me previously that I would received the bonus ; 3 ) Amex denied the bonus later when I called back.

I think this is very unfair to me. If Amex does not want to give me the bonus, they should inform me earlier or when I applied for the card or at least when I asked to confirm if I would get the bonus or not. This is a high-end product from Amex and the service is simply under my expectation. The whole experience is not what I'd expect from American Express.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

If I do n't have funds in my account they payments are supposed to decline instead they accept them and charge me {$35.00} in overdraft fees, I have also set up an active hours account but they take forever reporting my activities to them so I end up getting another overdraft fee.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received my XX/XX/XXXX billing Statement from ( BANK OF AMERICA ) For a sum total : XXXX. With A due date of : XXXX XXXX. 
On XX/XX/2019 A payment was made To B.O.A, For A some total of : XXXX, Within the thirty day time frame on XX/XX/XXXX I received my billing statement for the month of XX/XX/XXXXt charging me a interest fee of : ( XXXX ) I Called B.O.A to inquire into the miscalculation of interest, And was told by a representative That : " I was charge interest for the balance of XXXX cent. And because I was a loyal customer she would take off XXXX dollars of the balance.. However this predatory practice employed by Bank of America is contrary to regulatory procedures I should not be Charge a balance of ( XXXX ) because balance was paid in full expect ) XXXX cent.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

this has been on my report since 2011 .they keep updateing the start date .it, s been almost 9 yrs for a bill i never owed .i had a 2 yr contract with XXXX two years was up when i left XXXX XXXX and went with the company i work for ( XXXX ) which also uses XXXX and i am still with them.if you look at my payment history you will see i pay my bills .this XXXX for XXXX i never owed and will never pay. i don, t  understand how they can keep changing the start date from 2011.this should not be on my report after 9 years.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (NC)

I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.
Consumer complaint received 2019-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (MN)

I am working with US Bank and XXXX XXXX XXXX on a {$32000.00} wire transfer. I called US Bank to input the wire transfer numbers into the XXXX  form. The US Bank representative gave me all the routing and transfer numbers. I read each area of form to US Bank representative and they gave me the information to input. IA few days later XXXX actually did the wire transfer. 
Days later I had not received the money. I called US Bank and talked with XXXX and she said there was no {$32000.00} wire transfer on that day ( XX/XX/2019 ) I then called XXXX and they said yes and they have confirmation that US Bank received it on that day, and sent me the documentation. I called US Bank back and talked with the manager XXXX in Wire Transfer in XXXX XXXX, MO. She said she found the wire but I could not get the funds. I said I have multiple bank and loan accounts and I can go in with my drivers license and get it. She said there is an error and only XXXX  can fix it. I called XXXX and they gave me information to talk with US Bank and US Bank said even though my name is on the funds it is not in their policy to resolve this with Affinity. 
I said, isn't the wire suppose to reject if the name and account number don't match? She said she could do nothing. I emailed XXXX and back and forth I went. They both blamed each other and said there was nothing they could do. Now it is XX/XX/2019 and I called a US Bank Branch Manager and asked for help. He called back and said it is on XXXX. I said I talked with US Bank and Affinity and they both say it is each others issue and US Bank would not help at all despite the {$32000.00} being in their hands. 
Many hours and phone calls and days have gone into trying to get this money. At the same time, now I am paying interest on 2 loans! The US Bank Assistant Manager just called me and said he talked with US Bank wire department and with XXXX and he thinks he has it worked out. It is Friday XXXX. If the bank closes I have gone another week without money that legally is supposed to be in my account within a couple days or rejected and sent back to the sending bank. Not only does this break many wire transfer regulations, it is totally irresponsible for the bank to not take steps to get an error fixed when they know there is an error to get it fixed. US Bank Wire Department is just letting the money sit in a US bank account and doing nothing to fix an error that was reported to them.