BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: Kingston Data & Credit International Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi KINGSTON DATA AND CREDIT INTERNATIONAL INC. ; ( XXXX XXXX XXXXXXXX MA ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions 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:
XXXX Card is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXX Card, XXXX, XXXX and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XX/XX/XXXX, Experian and XX/XX/XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX Card, XXXX, XXXX and Experian. 

My credit history should report the payment being charged off in XXXX of XXXX, not XX/XX/XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.

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 2019-03-26
Company: Trident Asset Management, L.L.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive a 30 day notice to dispute this claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2019 I tried to apply for a Chase Freedom Unlimited Card and my application was denied XX/XX/2019 I contacted Chase to see if I could reopen a closed card from XX/XX/XXXX and told me they can not reopen it at this time. 

Separately It also seems Chase has high interest rates and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello I have been a victim of Identity theft, and I fill my file has been compromised because of incorrect addresses that have been allow to stay on my credit report, I have contacted reporting agency to have them removed but they haven't complied.

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 2021-03-05
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I discovered inaccurate information reported by Experian ; particularly, that for the months of XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX I was reported 30, 60, 90 and 120 days past due by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I disputed the information in accordance with Experian 's established procedure. In XX/XX/XXXX the information was refreshed with a response only that XXXX had verified the information. 

I attempted to contact both XXXX and Experian to submit to me the what information verified I had an account with them. 

I contracted with XXXX XXXX XXXX to assist me in this matter. In XXXX, the information refreshed again on the credit report in response to inquiry by XXXX. However, I did not receive any documentation to support the delinquencies or my responsibility to this account. I followed advice and sent two letters, one by certified mail, to request information to substantiate how I was fiduciarily responsible for what they reported, to include any documents signed, when I was informed ; and, if there are no supporting documents, this information was to be removed. 

Since XX/XX/XXXX has not sent any supporting documents, accordingly, information was to be removed within 60 days by Experian ( see attached letter ). As of XX/XX/XXXX, more than 90 days, later, the information has not been removed. I have not receive any response or further information from XXXX or Experian. 

Furthermore, I have a paid service with Experian, and I am still not able to get in contact with a person through chat or telephone to resolve this matter. 

Before, going directly to an attorney, I was advised to go through your agency and the Federal Commission on Insurance and Banking.

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting the wrong information to the three credit reporting agency. I have disputed this account to Discover Card, TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the Better Business Bureau ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX XXXX responded that the information being reported is accurate. I sent certified mail to TransUnion, XXXX and XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, TransUnion, XXXX  and XXXX. 

My credit history should report the payment being charged off in XXXX of XXXX, not XXXX of XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.

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 2018-06-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase credit card has reported inquiries on my XXXX credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I haven't applied for credit with chase card. These inquires are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 been dealing with Transunion for early 18 years plus they constantly have two separate credit files and refuse to merge them together reporting inaccurately and keeping old information, I got a recent copy of my credit report and as usual two separate files that should be together but are not. Therefore giving me a score that is low and causing me to be constantly denied. For a car loan, house or insurance and causing me financial crisis.

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 2021-05-06
Company: EQUIFAX, 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Beginning mid XXXX, I began noticing the same unauthorized charge of XXXX dollars and change on my account. The same charge would appear each month. Each month I would call USAA to dispute the charge and ask them to deny the ( obviously ) constant debit of my card. USAA could not prevent the activity on the card. In XX/XX/XXXX, I cancelled the card with USAA - having no faith in their protection of my privacy as a card holder. I shredded the credit card, and had no further problems until today ( XX/XX/XXXX ). 

I received a bill from USAA on the CLOSED account - for the SAME fraudulent charge! 

I called USAA and waited on the phone for over an hour and a half, and finally hung up. 
USAA is definitely not able to rectify this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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 HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted the local store before I submitted a request to open a secured card with wells fargo. I asked the branch worker if my card will graduate to a unsecured card within a year. She assured me that it would. It has been 16 months and my card is still a secured card. I have reached out to the executive consumer department and they keep giving me a run around because they said I opened the card online. I did but it was based on the pretense of the information I received from the branch. This is ridiculous, I am trying to find out exactly why the account did not graduate. The only thing they keep telling me is that its based on the overall interaction with the company. Since I have opened this card my account has never been late and I haven't had a bounce check or account in an overdraft status. This is a ploy for this company to keep consumers money. I have asked for details explaining this and have yet to receive an answer.

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 2018-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Today on XX/XX/XXXX I called USAA ( United Services Automobile Association ) XXXX from my cellular phone XXXX XXXX, with the intentions of opening a new checking account. I was briefly transferred at the 1st call to another department. The 2nd call updated general contact info ; address, email, telephone number. After updating info and the 2nd agent then informed me I was incorrectly transferred and she would then need to transfer me again to correct department. The 3rd call was my final conversation with a customer service agent of XXXX. The agent informed me before I can open a new checking account. I would be required to pay old credit card balances from XXXX & XXXX, which to my surprise are not only well past the stature of limitations but have been cleared via guarantor insurance. The agent did not verbally recite a Mini-Miranda ( or when I was transferred to the 3rd rep no recording advised of a Mini-Miranda ) that both accounts had to be paid in full since it was a collectable debt. I advised that would be illegal to as it would be double dipping when I stated that XXXX has already been paid via insurance guarantor this seem to make the agent ballistic. She began overtaking and yelling to the point I had to be firm and take control of call. I then advise to transfer me to a banker the agent refused, she was aggressive and combative to she volunteered her supervisor ( which I didnt ask for ) I then said Our conversation is over Please connect me to a banker for assistance, she then placed me on hold then I go the voicemail of a XXXX who on her voicemail greeting title was Sr. Rep or a Team Lead. So in fact I was not even transferred to the person the agent demanded I be connect with or the correct transfer that I requested to a banker

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I notified Wells Fargo that someone was using my debit card fraudulently. Part of the fraudulent transactions were credited back ( {$240.00} ),  however the following transactions have not been refunded to me as of XX/XX/XXXX : Transaction Date- Amount- XX/XX/XXXX {$4.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} The total of the transactions was {$130.00}. I called Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and twice on XX/XX/XXXX. Wells Fargo has refused to give my money back from from the fraudulent charges on my debit card. My Wells Fargo claim # is in the attachment. I have had the same checking account since I was XXXX years old so I have had my account 29 years. Wells Fargo is refusing to refund my money but they advertise a " zero liability '' program with their debit and credit cards. I am asking for assistance in recovering my money as I have spent countless hours on the phone trying to resolve this matter with no results.

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 2021-07-19
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: Account status incorrect

Complaint:
Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.

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 2021-07-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.

Company response to consumer: Closed with explanation