BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.

Company response to consumer: In progress
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: TX
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 finish paying off the balance on a car, XX/XX/2019, through XXXX 's XXXX XXXX ... .Experian email me XX/XX/2019 saying that my Fico score had went up and my credit score had change for the better. Then I received another email two days later saying by credit score had decreased, so I called them to see what was going on, because I pay-off a car loan {$17000.00} The dealership already informed me that they report to two major credit agencies XXXX and Experian once I pay my car -off, So Experian is saying that a person credit score goes down, because once it shows my car loan account has closed, it reflects in a negative way I told the rep that I was speaking to that is Ludacris.. people pay -off their debts so that one 's credit score can  improve, not the opposite, but that is the explanation he gave me, as well as the supervisor I ask to speak to .The rep told me that were other things on there that decrease my credit score, which doesn't make any sense, because everything on there has already been on there ... XXXX XXXX XXXX XXXX ... has been on there for years. so my credit score should be up ..

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 2022-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account XX/XX/XXXX, with Citizens Bank because there was a promo going on, I made sure to have the promo code entered when I signed up for the account. The promo code offered me {$300.00} for receiving a direct deposit of {$500.00} or more within XXXX  days. I received a direct deposit from my employer on XX/XX/27 for {$510.00}. I've completed this offer in full and their terms state I was supposed to receive my bonus by XX/XX/XXXX but I still have no {$300.00} bonus posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11
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: Investigation took more than 30 days

Complaint:
Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06
Company: EQUIFAX, INC.
State: VA
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 noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-08-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I submitted for a short sale with my Realtor. Fay Servicing first put me through a modification review and  then a short sale review.   We have had a full file in short sale review for 60 days. All documents are in.   The Realtor has been calling weekly for Fay Servicing Short Sale Representative to follow up, but they have not.  Fay Serving is waiting for their tile report.  It has been over a month and they have done nothing. My complaint is that fact I came home today and have a foreclosure sale date taped to my front door.  From my understating under the California Homeowner Bill of Rights that is illegal and predatory lending. We have confirmed today with Fay Servicing they have all docs they need and it is in “short sale review”.   But nobody is communicating with my Realtor for the short sale.  Fay Servicing has literally done nothing except back door me with an illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called Bridgecrest call center on XX/XX/19 and spoke with XXXX ( tax id ; XXXX ) in regards to assistance with my car note for the next two months as I am in between jobs. For over one year, I have paid my car note on time without any tardiness. However, the one time I need assistance while I find a new position ( I just accepted a new position with the start date of XX/XX/XXXX ), Im told that you all dont offer assistance. 

When I purchased my car with XXXX, NONE of the sales rep in XXXX vending machine stated I would never be able to get help. If they had, I would have taken the higher percentage with XXXX XXXX when they offered to finance my vehicles or used my current bank, XXXX XXXX, as they too offered financing. 

I contacted both the Bridgecrest CEO and the XXXX CEO. I never received a response from either company. Maybe the CEO 's dont know how it feels to be without employment since both of your backgrounds are very robust in entrepreneurship and investment ideas, but I need assistance. And I don't have that luxury nor am i living the good life. I live within my means and when I need help, I ask. 

So, Id like to know why am i not able to received payment assistance? Is it worth the car being repossessed? I mean if I file bankruptcy, the profit would still be lost. So, even though I would have to deal with a bankruptcy for seven years, it's better than dealing with a company who doesn't help their loyal customers. Ever since I got my car, I have referred SIX people, three of which also have cars from XXXX - XXXX XXXX, XXXX XXXX and XXXX XXXX. The other two - XXXX XXXX and XXXX XXXX - decided to use XXXX instead as XXXX was giving them both issues. The last guy, XXXX XXXX, has submitted a complaint as well about XXXX 's financing policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Looking at my credit report and checking my loan balances i noticed that all of my student loans through Navient have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: WA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
This credit card closed my account without any consistent reasons, a lot of my auto-payments got delayed and some even charged me a late fee. I called for an explanation and for my surprise, customer service informed that they can not disclose any information and there is nothing they can do, really?? On XX/XX/XXXX, I received a letter informing that the account was closed because I am a high risk for the credit card company. 
I never had a late payment in my life, always paying on time and in full all my bills. In fact, they were paying me a lot of cash back money and I am truly believe that this is the real reason that they closed this account. 
During an audit for my taxes, recently I noticed that on my last statement, I spent {$8300.00} and this amount, as usual, was paid in full and on time HOWEVER when I checked my reward summary for the same statement, there was {$0.00} ( XXXX ) cash back earned for this period. 
I just spoke to customer service, by the way terrible, and they informed that because the account is closed I can not earn any cash back. This is ridiculous and does not make any sense because I didn't request to close the account. 
At this point I feel that I've been stolen and there is XXXX respect and consideration by the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: Meade & Associates, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On date XXXX XXXX, added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection.. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its yours. According to the FCRA, Mead & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2018-12-24
Company: JPMORGAN CHASE & CO.
State: NC
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:
Chase Bank : Original complaint : Case XXXX Referred from Office of the Comptroller of the Currency, CAG. 

Payment was made over the phone to closed Chase card on XX/XX/2018. According to XXXX XXXX XXXX, the agent " misapplied '' funds, so that the funds were not deposited into account until 14 days later. This resulted in credit reporting with late payment. I called Chase bank personally on the XXXX, and again on the XXXX asking where the funds were. The bank only stated that the funds were not paid, refused to look for payment, and did not want confirmation number showing the funds were transferred out of my account to Chase on XX/XX/18. 

After notification to Chase, I was told that bank could not " correct '' negative information. Additionally, they re-reported the " late payment account '' after notification of their mistake, and my account closed with a {$0.00} ballance. 

This directly caused an increase in my insurance quoting for my business and home. This was the only negative information or change to my credit reporting between quote and notification of final cost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-03-27
Company: HireRight Solutions, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
HireRight is the company entrusted by XXXX XXXX to conduct background checks on their candidates. I filled out the paperwork and turned it in on XXXX. On the same date HireRight completed the whole report. I was not notified of any problem until XXXX when XXXX XXXX sent me an email notifying my something was not checking out in the report and this could mean an end to my offer of employment. Alongside XXXX XXXX email in the attachments was a specific report on the education section. The HireRight report had the incorrect institution name and address as " verified information ''. I provided the correct information to XXXX XXXX but I guess that never made it to HireRight as they " continued '' the background check. On XXXX I was notified by XXXX XXXX that they had reconsidered adversely my offer of employment in whole or in part because .of information on the HireRight report. On XXXX was the first time I was able to see the full report and read the full content ( Other than having the wrong information on the institution, they also claim the school was not accredited or valid ). On XXXX I contacted HireRight to start a dispute, they had never received the corrections I had provided XXXX XXXX and so I proceeded to give them the correct information over the phone. The day after I also sent them supporting documents such as diploma and transcripts XXXX ( friday ). On XXXX, they claimed they were done with the investigation on the dispute and still held that the school is not valid, They also claim what because the school is not " valid '' they will not contact to verify if I attended or not ( which is contradictory to the notes they made on my report on XXXX where they state, they sent a fax to the school ). When I called that week they told me that although the investigation was done, that a performance review of the investigation was still not completed. The following week they said the report was done, and just reiterated the school was not accredited by their standards and that's it. But my report was never updated, still to this date the information on there is from XXXX with erroneous information on my name during school years, school name, address, accreditation information, claims that the school is not listed with the Florida department of education ( which it is ) etc. If the school is indeed no good, I would like the report to indicate the correct information so that I may bring it up with the school, but to these inefficiencies I question if HireRight really do its due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

MERCEDES BENZ FINANCIAL XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.

Company response to consumer: Closed with explanation