BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX income did not qualify me for the Visa Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never wanted the XXXX XXXX Visa Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of them. I closed them but do not want them reported on my Credit Report.

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 2022-02-18
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I filed a previous compliant about this ( XXXX ). XXXX failed to address this even after I filed the compliant. The issue is that someone opened an account at XXXX with my email address. I notified the company that I never opened an account and it must be fraudulent. They never did anything about it. Today ( XXXX XXXX, 2022 ), I received an email saying my account has been restricted ( five months after I notified the company of this ). This is outrageous that the account wasn't closed already or dealt with appropriately. XXXX is very difficult to contact or to deal with. They have brushed off my concerns repeatedly. I question the quality of their security. I hope the CFPB can look very closely at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on XXXX & TransUnion on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( XXXX  ) XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks *Credit Technologies : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXX XXXX XXXX *XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX  *XXXX  : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Banks XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Banks ( TRANSUNION XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Dc : XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX *XXXX XXXX : XX/XX/XXXX XXXX

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 2019-05-12
Company: SYNCHRONY FINANCIAL
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 belongs to someone else

Complaint:
This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX   XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

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 2022-02-18
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and give authorization for the CFPB and Hunter Warfield to move forward with this complaint. I do not have a trilateral contract with my signature with the company Hunter Warfield Inc and XXXX XXXX XXXX XXXX XXXX. Hunter Warfield Inc have invaded my individual privacy. I did not give direct permission to Hunter Warfield Inc to use my location information to contact me and they contacted me on XX/XX/2022 and XX/XX/2022 at an inconvenient time. No consent was given prior for the debt collector to use my location information more than once and stating I owe an alleged debt. Hunter Warfield is not to state I owe an alleged debt. Hunter Warfield never stated they were confirming or correcting my location information. I am a consumer, I have a place of abode that's my location information that I did not give permission to Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 Chime closed my account after a deposit was made to my account. after emailing multiple times they continue to give prerecorded answers and hold my account and freeze my funds. they refuse to open and unfreeze my account. not only is this a recurring issue to other customers but chime refuses to take accountability to fix the problem. it is a disgrace and chime must reinstate my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2015 I was offered XXXX XXXX service at my new house for {$40.00} a month, I was also told that if I was not satisfied I could cancel in 30 days and not be charged. My first bill came in the mail for twice that amount. I immediately canceled because when I called to discuss the disputed amount they refused to honor they 're original {$40.00} price. They said I needed to send the equipment back as well but never gave me a box to do so. I went to a XXXX XXXX store, they refused to give me a box. Eventually, I got XXXX XXXX to send me a box and returned the equipment. Over the course of the next several years, I have continued to receive collection calls and notices stating I owe them money ( currently {$59.00} ) and have repeatedly called XXXX XXXX and discussed the issue with them. They continue to not take responsibility to the miss charge and here we are again. XXXX XXXX has sent the collection to a company called Stellar Recovery Acct. # XXXX ( this time anyway ). I am tired of dealing with this company and obviously do not want it to reflect on my credit score/report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Travelex NY, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
XXXX XXXX, 2017 Exchanged {$1200.00} USD for {$920.00} Euro ( see attached ) I even did more than I wanted to because they offered a 3 % discount if it was above {$1200.00}. ( this is the part that bothers me most, not only did I not get a discount they even increased the exchange to their favor,  a complete lie ). 
The published exchange rate was XXXX The given exchange rate was XXXX They said this is the cost of business. 
I was n't aware of the price gouging until I reached my destination where they gave me the fair value in trade. 
When I returned to US I called Travelex XXXX XXXX to complain. They said I should have not done the exchange if I did n't like the rate. Again, I was n't aware of the gouging until I got to my destination. I figure the exchange cost me an added {$200.00} from the unfair exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, Comenity Bank in association with HSN called my father. He texted me out of the blue about it and knew the debt amount so obviously they shared that information with him. And when I called them and told them this happened, the representative said it was impossible. But how can he know the debt amount if he didn't even know of the debt until they called him?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: GA
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:
Last XXXX I sent documents but I haven't received any response yet. It's almost 30 days now.. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused report me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been disputing an inaccurate account on my credit report with XXXX, XXXX, and TransUnion, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my XXXX report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX month and the account was already charged off during XX/XX/2017, not 90 days late. XXXX should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what XXXX is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On TransUnion, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what XXXX and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.

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 2020-11-27
Company: Mercedes Benz Financial Services
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 and XX/XX/2020 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. Letters came to me only two months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I filed a bankruptcy. On XX/XX/XXXX a fraud security alert had been added to my credit report without my knowledge. All I show on the credit report is the number security ID number, it is XXXX. It does n't show the name Of The security company. It may belong to XXXX. It reads Alerts & Validations. The spelling of my names before this last name change made by me with Probate Court. My last employer EIN number is XXXX XXXX XXXX XXXX. The last tax return I filed was in XX/XX/XXXX. It was an annuity, I had no income, everything was being taken from me. I filed {$19000.00} taxable income was {$9400.00}, exemption amount {$4000.00}, tenative tax {$950.00}. Tax withheld {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Foris DAX, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My debit card which was on file on Crypto.com account was used three times to purchase a bit coin and then was transferred to some private wallet link and this happens to happen in my account. One was used on the XX/XX/2022 in the amount of {$450.00} and the second one and third one was used on the XX/XX/2022 in the amount of {$1200.00} and {$1300.00} and all resulting in {$3000.00}. I then contacted Crypto.com letting them know that this transaction wasnt me and I did not authorized that. They told me to wait for them to look at my case and this morning Which is XX/XX/2022 I got an email from them saying their APP payment can not refund me my money because their investigation shows that the transaction happened in my account. My problem is that where does fraud happens? Isnt it peoples account. Beginning of XXXX my other phone got lost when I was at a holiday in XXXX and I couldnt find it and that phone had all my informations. I was able to change most of my information on my other apps but I guess I forgot to change most of them including Crypto.com. I want yall to know that this transaction wasnt made by me and if it was why will I buy this lot of bitcoin and then transfer it to another link wallet?? I mean for what? Why wont I keep it in my wallet?? Please help me get my money because I have been scammed or fraud. Thank you

Company response to consumer: Closed with explanation