BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, I got a notification that XXXX XXXX XXXX was having a clearance sale. I selected a few items ( totalling {$57.00} ) and went to check out. Once I went to check out, they had a promotion that you could get 20 % off your purchase and free shipping if you applied for and got approved for their store credit card. I applied and was approved. 

However, I was told I would not be able to use my card until I received it in the mail. I said that the only reason I applied for the card was for the promotional benefit and that I would not be able to wait for the card to arrive to complete my purchase as these were sale items and already in limited supply. Both Synchrony Bank and the XXXX XXXX representative I spoke to were incredibly unhelpful, and told me I would either have to wait for the card to arrive or to go to a store and use a printed slip to make purchases in store ( with no guarantee that the same items I'm trying to purchase would be in store ). I feel deceived, as I never would have applied for the card, putting a ding on a credit, had I know I would not benefit from applying for the card for my purchase today. 

I think it's deceiving to customers to display benefits for a credit card that you can not even actually benefit from immediately. The language is incredibly misleading, and I can not be the only person to have fallen for it and then be disappointed once they have to complete their purchase without the advertises benefits. There is an asterisk near the offer ( attached here as an attachment ) but no where does it say that you can not use your approved card on your current/ '' today 's '' purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This concerns a Capital One Quicksilver account. 
I have limited vision. Because of small print, low contrast between silver background and white letters, and the high reflectivity of card, I can not read it even in good light. In particular, I can not read the customer service phone number or expiration date even with a magnifying glass. This means I can not use the card over the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Specialized Loan Servicing a collection agency has not reported to the Credit Companies since XX/XX/XXXX about our loan it is still showing a balance of {$23000.00} which was the balance on XX/XX/XXXX and has been paid in full with payments in between last payment was paid XX/XX/XXXX and we have a XXXX balance which has not been reported to the credit companies and nothing has been reported to the credit companies since XX/XX/XXXX which is totally wrong and not fair or right. They are more concerned about bankruptcies than their customers and having to report to the credit Companies. To wait that long is just not right and last I heard they do not expect to report until XX/XX/XXXX which would be over 5 months since they last reported. Really and they are a collection company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX XXXX reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX, and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the XXXX XXXXk. The XXXX XXXX XXXXrings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express attempted to call me on XX/XX/2018 and again on XX/XX/2018. The first call was missed. The second call on XXXX I answered. The reason for the call was because a payment was past due by 6 days. If this happens again, this account will be turned over to a debt consolidation company where no immediate contact with the cardholder will be permitted. I would advise that people listen to the telephone conversation which was illegally recorded. American Express claims that I'm not willing to work with them. What American Express doesn't understand is that I'm more than willing to work with them, but when certain representatives don't act in a professional manner, I'm not willing to work with those individuals. American Express should not assume that anyone is going to work with people who aren't fit to be in customer service. If American Express isn't willing to resolve this issue by getting respectful people who are respectful to people on the phone, then American Express is the reason why people make it difficult to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a Lowe 's credit card ( Synchrony ) and although I don't actually need it I feel disrespected by their made up " XXXX XXXX ''. I know for a fact my credit is in the very good/excellent range. They failed to take ownership and claimed/blamed it on the information recieved from the credit bureaus which I monitor constantly. After analyzing the situation I realized that whenever these " companies '' do this type of thing the normal reaction will be to and try to see if there are some derogatory marks or try to get the XXXX XXXX XXXX. You would think that's an easy task? Yeah as long as you're willing to " verify '' ( provide enough information to be scammed XXXX and of course pay something XXXX free trials, sure ). 
I feel it is a shame and it's basically disgusting to me to see every single financial institution trying to collect as much liquid assets XXXX at least for a short period of time ) during a XXXX and XXXX crisis. In example XXXX XXXX XXXX taking back millions in claims for 90 days without a valid explanation or even gas stations " holding '' hundreds of dollars at a time for several days. Beware and try to take advantage of the very few actually free services that are left still. 
I am not interested in the stupid card but would like to see transparency or a made up score that ACTUALLY reflects my credit history. My credit has Not been below XXXX EVER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XX/XX/XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: ORG GC GP Buyer, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a problem with XXXX and ended up filing a complaint with the Florida State Attorney General. Case # XXXX XX/XX/XXXX. 

The issues I have had with XXXX have been horrendous. 

I have tried to settle this issue with XXXX since then. 

On XX/XX/XXXX I again tried to settle this with XXXX to no avail. They denied my payment. After a long back and forth e mail with XXXX ( which I can provide ) in which I advised XXXX they did not have any permission to charge anything to any credit card they might have on file because I was disputing the fees and charges, they attempted to charge my XXXX XXXX. Which thankfully XXXX XXXX denied, closed my account, and sent me a new card and account number. XXXX tried to charge my card on XX/XX/XXXX, after I advised them not to do so! 

Any attempt to deal with XXXX has met with negative results. It took my over 3 months to get a bill from them to even to begin to dispute the charges. 

Now I get an alert that this company, GC Services, has placed a collection account on my credit reports. I do not know where they came from. I have never heard from them or about them. ( I have had the same number for 10 Years ). Not once have I been contacted by them in any way, either U.S mail, e-mail or via cell phone.

I do not know how they can randomly ruin my credit without me even knowing who or what they are. 

I feel I have been violated and I want to pursue any and all legal actions against XXXX as well as XXXX XXXX to the fullest extent of the law. 

I understand I will need to contact an attorney, and I will do so as soon as possible. 

I feel GC Services needs to remove these items immediately as they are incorrect.

GC Services is not known to me I have never been contacted by them or what they are and they should not have the power to ruin my financial livelihood.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried to transfer stocks from Robinhood to XXXX and it was blocked. This was almost 2 months ago. I then sold all stocks and removed all money from my account. XXXX weeks ago I tried to close the account and it will not let me. I have sent XXXX help requests with no answer via email and no one answers the phone at their corporate office. I want this account closed and my information wiped from their system due to suspect business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is about PNC Bank .. Mobile /online banking. I can not link my bank account to any sory of appl.., other accounts or program using XXXX  for transfers or deposits. It tells me that my bank ( PNC ) has blocked these types of linking fpr accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT COLLECTOR WAS PAID IN FULL/ ARS WAS NOT IN COMPLIANCE ' INSURANCE COMPANY, PAID DEBT IN FULL AND SHOWED PROOF OF PAYMENT. 
FROM ( CFPB ) DOCUMENTS SCANNED IN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BAY VALLEY MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019, Took our money XXXX and did nothing to help us, Gave us fake documents to get a fake mortgage. They have now stolen our credit and sold to the Black market. WE are filing a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke to XXXX XXXX about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX I submitted a complete Identity Theft report because my identity was stolen. The creditors did not acknowledge my complaint and remove or block the fraudulent information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke to XXXX XXXX about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX  XXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation