BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: United Funding Logistics, LLC
State: AZ
Product: Credit reporting 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:
A company known as United Funding Logistics headed by XXXX XXXX, known on XXXX as both UnitedfundingXXXX and on his personal account XXXX, where he routinely makes videos about people 's XXXX. When someone says something he dislikes about his company, he then discusses their XXXX  with his XXXX Million followers. He talks about the individual 's credit scores, showing his audience their actual model based scores, discusses collection actions and other negative credit events that the public should not be seeing. He uses this protected information to degrade these people. 

Recently, I reviewed his company after 8 months of use. It was not a shining review but was unrelated to seeing him post other people 's XXXX. He responded to my public review with " you're a liar '' and then proceeded to share information about a company attempting to collect from me that can ONLY be obtained or even seen on my credit report that he has access to. It is disgusting behavior. I didn't get in his mailbox and post anything I knew about him ... but this guy does this on repeat. I did not know when I hired his company that this is common practice for him. 

This guy is completely unchecked handing out XXXX and making a mockery of FTC guidelines resulting from XXXX and the like. No way is this guy CFPB compliant. Something needs to be done. 

His website is www.unitedfundinglogistics.com The address to his company isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
It is for the deposit of a check on XX/XX/XXXX for the amount of {$630.00}, check number XXXX. The funds are frozen and they do not respond to me for them. The bank is chase. My account number is XXXX name of XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My account was closed on XXXX since then i am trying solution withoud having an answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Atlanticus Services Corporation
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX a retail account was opened with Fortiva for XXXX security system. Between XXXX to XXXX I gave approval for Fortiva to do automatic payments using my debit card. At some point after XXXX Fortiva switched my account to a credit card without getting my authorization for a credit card. I found out that this was done when I start receiving payment notices with late fees. I then called in and advised the representative and the manager I spoke to that I did not authorize a credit card and I also had an approval on file to pay the retail account via my debit card. 

The manager then proceeded to say once they changed the account to a credit card they no longer had my authorization for payments. I asked why would they give me a credit card I did not apply for and did not authorize. Fortiva could not explain that and I asked to close the account because that is fraud. I also asked the manager to clear the late fees as this was not my fault and I did not approve a credit card in my name, which he refused. Now, Fortiva is reporting this to my credit score as late payments with late fees. As a consumer this is unfair. I have tried several times to have this fixed with no results. Please help me, thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX of this year 2023 I received a statement of some sort from Chase Cardmember services. My eyes popped out of my head when my son opened it and said mom Chase says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX  XXXX XXXX and won same type of circumstances. I owe nothing to Chase I've never even stepped foot into a Chase. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. Chase is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX XXXX XXXX you might be a big company trying nto steel from the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for XXXX times or XXXX times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to Chase is STOP fix my credit and I'm suoing you for elder abuse. XXXX contacting state attorney general office, gavins office im going to blow this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-09-20
Company: Data Mortgage Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I have had a string of problems with Essex Mortgage, the most recent being that I got a little behind and decided to take them up on their offer to refinance me with an assistance program. While my account was " on hold '' with the Loss Prevention department, someone mislabeled it and it was incorrectly reported as being in foreclosure.

The week they were calculating the new mortgage...

And it sunk my credit store significantly for that week...

And then they corrected it. Now my credit looks like it never happened... 

BUT ... they added 10 years, nearly 1.5 percentage points, and a XXXX XXXX balloon pament to my mortgage. 

I'm no mathemetician, but that must be a much bigger amount of money they plan to collect if my total monthly savings on that deal is only {$100.00} bucks. 

But nobody can tell me the credit score this was calculated on, nobody will call me back, and they're now demanding that I pay them almost {$10000.00} on XX/XX/XXXX because they're billing me for all of these months that it was supposed to be frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Upgrade, Inc.
State: NJ
Product: Credit 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:
Earlier this year my bank account was hacked for almost {$90000.00} My Bank account was frozen unitl the issue was resolved. During that time Upstart suspended my account, and reduced my credit line by approximately {$100.00}. 

When my accunt became current Upgrade did not lift the suspension, even though my scores went back up. When I filed a complaint with the CFPB directly lifted the suspension but reduced my credit line by {$900.00}. 

It is ethically wrong and illegal to reduce my credit line due to a complaint. 
I am requesting an investiogtion in this matter and some type of sanction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: FISERV INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was offered a work from home job with CardConnet as a XXXX XXXX XXXX XXXXXXXX position via text from a XXXX XXXX and asked if I wanted to proceed with an online interview. I just signed up for a couple job sites a day before so I had no reason to think it was a scam. The interview was through XXXX. He introduced himself as Hr Hiring Manager XXXX XXXX and explained the job and the role. I was told I was going to get sent a check for {$2400.00} so I could get an encrypted laptop and the programs required. On XX/XX/XXXX I deposited the check via mobile deposit into my bank, XXXX XXXX XXXX, and then was informed the vendor, XXXX XXXX, wanted to use XXXX as the form of payment to get the equipment needed. After the check became available in my account on XX/XX/XXXX, I transferred the funds from my XXXX bank to XXXX. After about 5 failed attempts with the XXXX payment, I was getting frustrated and told them I was over it and that I just wanted to send their money back. So, I was given the vendor, XXXX XXXX, bank information for a wire transfer, which I sent within the same day. I used my XXXX debit card to make the wire transfer. Today, XX/XX/XXXX, I received an email early morning saying the wire transfer from XXXX XXXX was completed. This afternoon, I received a call from my bank, XXXX, informing me that the check was fraudulent and now my bank account is negative {$2400.00}. They also informed me that a legit job would automatically supply me with what I need to start work and that I got scammed, and unfortunately they see a lot of it. I was told to reach out to XXXX and XXXX XXXX to see if they can cancel/refund the money. I did a dispute with XXXX, and XXXX said to contact the recipients bank, XXXX XXXX XXXX, since the transfer was completed on their end. I also did a fraud claim with XXXX XXXX. I finally got a hold of XXXX XXXX XXXXXXXX and told them the situation. They told me that unless I'm on the recipients account, there's nothing they can do about it and they apologized for what happened to me. They suggested I submit a fraud claim through my bank even though they called me. I ended up doing that and answering the questions to the best of my knowledge. I was hoping XXXX XXXX XXXX would accept the recipients information given to me to cancel/refund/flag the transaction but they didn't really seem too concern that somebody banking with them was scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Zions Debt Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have communicated to the company on the several occasions that this is not my debt! I have written four times. I have a filed police report and FTC report. Their verbal and written responses have been to abusive and harassing collecting tactics refusal to remove the fraudulent account from credit reporting agencies. Below is a summary my most recent communication with redacted personal information. 

'This not my account. I NEVER gave you or the original debtor my SS # or my DOB! You have not provided any confirmation that the DOB and SS # that you have is indeed mine! If you or the original debtor have obtained my PII ( personal identifying information ), it is by fraudulent means and identity theft. XXXX does not have an account opened by the original debtor and there are no inquiries that an account was ever opened! There has never been account opened under my name. The SIGNATURE IS NOT MY NAME!!! NO ONE HAS AUTHORITY TO OPEN AN ACCOUNT IN MY NAME NOR H ACCESS TO MY DOB OR SS #. I FILED A POLICE REPORT, case report R.D. # XXXX which I provided to you in prior correspondence and a IDENTITY THEFT REPORT with the FTC, report # XXXX  I have filed an official police report and identity theft report. Again, this is not my account and I am not responsible for it. Close this account and discontinue collecting and reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: The Best Service Co.,Inc
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to express my grave concern regarding a debt that you have reported to all three major credit bureaus under my name. I must make it absolutely clear that I have no agreement with Best Service Company. Your reporting of this unsubstantiated debt has not only harmed my credit score but has also caused me to incur higher interest rates, resulting in significant financial hardship for me and my family. 

Further, despite lacking any proof of my obligation to this debt, I was compelled to make a payment of {$290.00}. This payment was made under duress, given the adverse impact of the unvalidated tradeline on my financial situation. In light of this coerced payment, I demand that the account in question be deleted from the records of all three major credit bureausXXXX  XXXX, and XXXXimmediately. 

I hereby demand the following immediate actions : Debt Validation : I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity. 

Removal from Credit Reporting and Account Deletion : Given the absence of any verified agreement or debt owed on my part, and considering the forced payment of {$290.00}, I insist that you immediately remove all related reporting from XXXX, XXXX, and XXXX and delete the account entirely.

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 2023-09-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has Violated my rights XXXX -XXXX  Account Number # XXXX  XXXX XXXX -XXXX  Account Number # XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had contacted Bank of America recently regarding a fraudulent transaction that occurred on XX/XX/XXXX for the amount of {$210.00}. I never authorized this transaction or the merchant to bill me for this amount nor am I familiar with the merchant/business. I had just gotten a resolution letter from the bank stating that the claim was denied due to the face " Payments were made to the account and statements were mailed '' as a reason for validating this purchase. 

This bank has already been a pain to deal with ever since I've opened my account with them, I've been regretting ever getting in business with them as they're being recently paying fines for violating the law several times. I've been unable to view any mail as I mentioned to BOA in a separate correspondence regarding my credit limit decrease that I've been facing financial and mental difficulties due to my husband being hospitalized and then passing away unexpectedly causing my card to go past due and to incur fees and transactions that I haven't been able to look. 

Now they're forcing me to pay for a transaction that I never authorized due to the simple fact that " A statement and payments were made to the account ''. I never looked at my statements and lost track of my finances and when I found out my account was past due and at risk of closure I immediately paid the account no questions asked which I then later reviewed and called in the fraud department to investigate and inquire about this,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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