BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: PA
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 keep receiving unauthorized hard inquiries on my credit report from XXXX XXXX XXXX. When I XXXX the company it says that it 's a Car Dealership in XXXX XXXX MD.
First issue I do not live in XXXX MD.
Second Issue I have not been to any car dealership looking or shopping for a car and have definitely not authorized anyone or company to check my credit especially since recently I 've been working extremely hard to improve my credit.
Third Issue I have no idea who they are and from researching my credit report I have found out that this is not their first time they have pulled my credit without my authorized permission.
I believe that something extremely suspicious is going on with this company. I mean why is a car dealership pulling my credit and on multiple occasions actually around the same time last year. The way it 's happening I do n't believe that it 's identify theft I believe that someone is illegally using their credit pulling privileges to obtain my credit report.
Dealerships are not allowed to view a customer 's credit reports until that customer specifically asks for credit terms, I can actually testify that I have never done this.
My credit score dropped XXXX points from this inquiry after all of my hard work of re-establishing my credit I was extremely devastated and now determined to get down to the bottom of this.
On XX/XX/XXXX &XX/XX/XXXX, I received unauthorized hard inquires on my credit report causing my score to drop.
I believe that this is illegal and if this issue is not resolved I will be seeking legal counsel to go about properly getting it resolved.
I continuously tried to contact Equifax about this situation but they continously say that it 's nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for the Chase reserve card and was approved. I received the card, used it for 2 weeks and used less than 10 % of the credit limit. For no reason Chase decides to cancel my account. After contacting them over the phone, nobody will give me a reason for the cancel. This will affect my credit in a negative way because of the cancellation. Why did they approve the card in the first place if they were going to cancel it 2 weeks later?
If they ran across issues that they might have found ( that I 'm not aware of ), then why not ask for clarification? I 'd be more than happy to provide documentation or what ever else was required to fix what ever problem they found.
When my card was cancelled with no notice, I was out of town. I ran into some very serious problems because i did n't have an active credit card. Could n't rent a car and could n't stay at a hotel. I was stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: NC
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 have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.

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 2018-01-08
Company: Student Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told I could consolidate my loans. Spoke with people on email and phone to make one time payment to get the loans consolidated. They took the money and said to stop answering calls form student loan places. I believed they were reputable. After checking back in on the fact i have n't heard from them, all emails were no longer viable and i could not find any website or place to get a hold of someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received a letter from Barclay Bank in regards to my new gold luxury card stating that I would fall under their SCRA benefits for the duration of my XXXX XXXX service ; however, on XX/XX/XXXX, I received a letter stating that because I opened my card after my XXXX XXXX start status that I would no longer be under SCRA benefits. As a current XXXX member I should still be under SCRA benefits. I was told that they are switching their policy on me and they will no longer waive annual fees for me as they originally intended.

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 2017-07-27
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
These people are charging me a usury interest rate of 500 % and I was not told about it .I am XXXX years old and on social security. I told them that I can not make payments of {$800.00} 0 per month because I only get {$2100.00} to XXXX XXXX and XXXX XXXX on XXXX/XXXX/2017. I will be XXXX  when this thing is paid ... .the account number is XXXX their web site is www.CashnetUSA.com Phone number is XXXX Please help me XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe anything to XXXX and I paid all dues in time. Yet I have received this collection notice and they also reported it to the credit agency. 

This effected my credit history and its totally unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The magnetic strip is falling off the back of the debit card and can no longer be read. It due to be replaced early next year anyway and is normal ware and tear. When requesting replacement card they insisted on charging me a {$5.00} fee. I should not have to pay for their card failure.

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 2017-07-29
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The previous investigation has not resolved my dispute regarding the accuracy and completeness of this trade line being reported on my consumer credit report.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 168i ( a ) ], these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation and verification constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Upon filing MANY complaints dating back to at LEAST XXXX 2017, at NO TIME did Ad Astra EVER delete their trade line from my credit report at all. In doing so, Ad Astra violated section 611 ( a ) [ 15 USC 168i ( a ) ] of the Fair Credit Reporting Act, by the mere act of reporting of any item involving their company, they were commencing collection activity. This is an ABSOLUTE VIOLATION of the FCRA! Ad Astra has never at any time had a LEGAL contract between their company and myself, with MY SIGNATURE. I have no legal obligation to Ad Astra, as I have never, at any time signed any contract with Ad Astra or ANY company they claim to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Convergent Resources, Inc.
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:
I was looking on my credit Report and I seen a company named Convergent Outsourcing which I never open a account with them nor did I give anyone permission to open this account in my name I first sent numerous letter and never got a respond back. I then called the company direct to find out why they are reporting on my credit report they said that they are reporting on the behalf of XXXX and that they had the wrong address and contact info for me and they mailed a fraud packet to the wrong address I then updated all my contact info and address with them. I received the fraud packet filled it out and sent it back to them over a month went by and they was still reporting on my credit report I then call them back and ask to speak to a manager I then talked to a gentlemen named XXXX or XXXX which he told me the hold up was with XXXX. so I then called XXXX directly and they blame Convergent outsourcing they then sent me to a website XXXX i went to the website and fill it out still nothing i then call back and ask to speak to the same manger and he told me they i was missing the police report and once i send that they would remove it I then sent them the police report and now they are saying the address is connected to a family member the address they have I never lived at I am so frustrated with this whole situation I was in the process to buy a house and this is hindering me I feel like I am getting the short end of the stick why should I pay a higher interest rate for something I did not do I would like this removed from my 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 2017-07-29
Company: Pacific Union Financial, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see attached letter. The mortgage accepted a modification not once but three times to adjust my loan. In all three instances the company set up the plan and then denied and returned my payments. The first time this happened they told me there was nothing I could do and I had to lose my home I then called HMA they forced Pacific Union to admit they were in breach and to allow me to enter the agreement again. At that point I thought that I was all set until day again returned all my payments. They are now telling me they are going to take my house once again and they have escalated the process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
An account in my name was referred to a 3rd party collection agency. I presented the company with a police report, and a FTC complaint, and now I'm filing a report with the CFPB because it has yet to be handled. 
I advised the address they have on file is not an address I'm familiar with. I provided a copy of my License as well, and I still got no response. 
.

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 2018-01-08
Company: Law Office of Linda Strumpf
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My wages were garnished by XXXX XXXX representing XXXX XXXX in XX/XX/XXXX and then in XX/XX/XXXX for over {$2000.00}. I was improperly served at a location I never resided, therefore had no knowledge of the original court date. Once I researched my rights concerning the wage garnishment, I filed a small claims lawsuit in XXXX County Court in XX/XX/XXXX, where the garnishment was stopped and the debtor was ordered to reimburse me within 30 days with all of the funds that were garnished. In XX/XX/XXXX, I sent a notice to the debtor via return receipt, requesting the monies owed but have n't received anything. I also provided them with an updated mailing address and phone number but have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a {$16.00} transaction on my Chase debit card ending in XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX under the terms of a 20 % cash back Chase offer expiring XX/XX/XXXX that I added to my card. In accordance with the terms, I paid at the pump with the physical card. 

The transaction posted to my account under the anomalous " description XXXX XXXX MA XX/XX/XXXX also known as XXXX. '' The merchant name is not listed and is instead replaced with the merchant location and date of transaction. 

I have reached out to Chase customer service on multiple occasions through the online secure message portal and by phone. 

On XX/XX/XXXX, I inquired about the status of the offer and was informed by XXXX that I would " receive statement credit within 14 business days. '' On XX/XX/XXXX, I re-inquired and was told by XXXX that " we are unable to help you with your request through email '' and I was asked to " call us at the number on the back of your debit card. '' I subsequently made a call to Chase customer service by phone and was told that a ticket would be opened. 

I received a letter in early XXXX with a single sentence asking me to call customer service to discuss this problem. 

On XX/XX/XXXX, I called Chase customer service by phone and was told the information I had already provided was not available. I was asked to state the problem again and was assured that the ticket would be re-escalated. 

I received a letter dated XX/XX/XXXX stating that " we are unable to locate any offer for this merchant '' and was asked to " provide us with a screenshot or copy of the offer through Secured Messages at Chase.com. '' On XX/XX/XXXX, I submitted the requested screenshot and was told by XXXX that this " requires the expertise of another team '' and to " call us at the number on the back of your debit card. '' I am appalled that it has taken nearly three months in this ongoing saga to receive a small credit in accordance with the terms of the offer that Chase advertised. Having fulfilled the terms of this offer in full, I have been made to endure an insufferable game of passing the buck to no avail. Each person is happy to give me the runaround and kick the can down the road with no solution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE NOXXXX THE XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt under Paramount Recovery Systems is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit 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 2022-01-15
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX I noticed that Discover had decreased my credit line from XXXX to XXXX when I called them they stated it was because of when they did a soft poll on my credit report and the information that they found had them decrease the card but I find it really funny because that same week I was approved for another Discover card with a {$3000.00} line of credit and Discover is refusing to place my faves Discover card credit line back to the XXXX I never was late always paying my bill on time and I find this very absurd and very distasteful I never had my credit line decrease And this is truly embarrassing no documentation was sent out to me to inform me of this matter nor was a phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on X/XX/2017 and they explained that I needed to contact them in writing to dispute them. On X/XX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the TransUnion X/XX/2017 and again on X/XX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.

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 2017-07-29
Company: Harris & Harris, Ltd.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last two weeks I have received three robo calls from Harris and Harris , Ltd. in XXXX, Il. I have no indebtedness and an excellent credit rating. There is absolutely no reason I should be receiving calls from this agency. Each time they call, they leave a different number for me to call. I have yet to return their calls because I believe to do so will just further complicate the matter ( based on others ' experiences ). I was required to answer some of your questions in ways that do n't really apply here. For instance, I do n't know if they think they have some indebtedness information on me or my wife or one of my grown children. I just know they are harassing me.
Since 2003, the number they are calling has been on the do not call registry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting an inaccurate date of accounts last activity, inaccurate dates of last reporting and still reporting after the accounts were placed under collection. Please delete the accounts for inaccuracy. ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX FCU ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : XXXX PLEASE stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. It is my understanding that you will recheck this item with the creditor who has posted this. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 i ( a ), you must complete the investigation within 30 days of receipt of this letter. Please send a copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of correction to anyone who receives my credit report in the past six months.

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