BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently in a XXXX XXXX  and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my Trans Union credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}. Please remove these accounts ASAP.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE! 


THESE CREDIT REPORTING AGENCIES NEED TO BE REPORTING 100 % ACCURATE INFORMATION AND NOT WHATEVER THEY WANT TO REPORT! THIS WRONG INFORMATION HURTS ME AS AN AMERICAN AND AS A CREDITOR!

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 2018-08-02
Company: BB&T CORPORATION
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/18 a truck service told me theyd charge a {$100.00} flat fee to put air in one of my tires on the rd. I gave them my card number to secure their services. When they put the air in, they charged me {$380.00}. I spoke to them and they told me they also charged me for two hours of the drivers transportation time and parts which didnt make sense and i did not agree to. I incurred {$210.00} in bank fees because of this. I gave my bank notice after the transaction posted thinking maybe it would be adjusted. They gave me a claim number on XX/XX/18 XXXX I called in on XX/XX/XXXX for an update. A representative told me my case was resolved and Id need to speak with someone in that department tomorrow. 

I called BB & T ( my bank ) on XX/XX/18 and they told me this case has yet to be worked. They have issued no provisional credit and are very rude over the phone. The rep i spoke to XXXX was specify aggravating. At this point Id just like help and information as to what laws they must follow during this process.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have a line of credit with Ashley Furniture store for almost a year. I have not missed one payment. I applied for the COVID-19 relief program just because I was out of work for two months due to my job temporarily closing because of the Corona virus. I got a letter in the mail from Ashley stating that they lowered my credit limit amount just because they have the right to do so. I called Ashley Furniture customer service and got the same response as the letter. They stated the company has a right to lower my credit limit, if they deemed it necessary. I have not a missed a payment, so I don't know what warranted them to lower my credit limit.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-27
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:
XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : 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 2023-12-27
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
we made a debt consolidation loan with Penfed to pay off XXXX XXXX loans back In XXXX. Our first payment to Penfed was due and so was our XXXX XXXX payment. As of today, the XXXX XXXX loans have not been paid off. Someone is holding onto that money, and collecting interest while we are having to make 2 payments now to avoid any late fees.

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 2023-12-19
Company: EQUIFAX, 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:
I have my identity theft report, Identification ( credit card ), and letter stating the invalid accounts that are illegally reporting to my consumer file. I never created the transaction for authorization to report any such accounts to my consumer file, and they are a result of identity theft. Ive also included the certified mailing numbers on this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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:
Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX DEALER partial account numer XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2023-06-07
Company: Sunnova Energy Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was awarded a {$1000.00} XXXX gift card for buying a backup battery that was an additional {$12000.00}. I did receive the XXXX  gift card in XXXX of XXXX and used approximately {$180.00}. I noticed today that the card expired in XXXX of XXXX. No big deal, I will just call and get a new card. WRONG! I was informed by Sunnova that once the card expires, they are " unable to issue a new card and set the balance to XXXX  '' this was per a representative in the rewards department that I spoke with today. 

This disclosure is not written on the card anywhere and I was not informed of this until I called today ( XX/XX/XXXX ). {$810.00} they are refusing to honor and I dont understand because I held up my end of the contract that awarded me the card. I bought a system ( that has been giving me issues since installing and I am having issues obtaining service that was promised, but that is a different issue all together ). 
That gift card was my benefit in exchange for the additional purchase I made. I dont understand how there is an ability to " set the funds to XXXX  '' after I already followed through with the promotion and utilized the card... 

I have contacted them requesting a check in the amount {$810.00} or a new valid card with the above balance on it. 

I have a card ID number for reference that I can provide so that my card can be identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My cash app account start declining my payments two weeks ago. Every day since I have emailed them finally after 50 emails I received a reply that the uia reported my account fraudulent. I had to send my identification and  birth certificate in which I was cleared. Now my account is still frozen with my money and I already proved myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX escrow analysis compared to XX/XX/XXXX escrow analysis is difference of {$200.00} in " projected '' taxes and insurance. Monthly payment based on XX/XX/XXXX escrow analysis {$790.00} - Monthly payment based on XX/XX/XXXX escrow analysis is now {$940.00}. 
I called Carrington XX/XX/XXXX regarding why my payment went up so much and they told me XXXX that my insurance double billed- once in XX/XX/XXXX and once in XX/XX/XXXX ( i called insurance and this is not correct ) XXXX then they told me that my payment was increased due to my escrow was in a negative balance My escrow balance was a larger negative amount in XX/XX/XXXX but my payment did not change at that time. 
I spoke with customer advocate on XX/XX/XXXX and was told it was because my escrow was negative and because they forecasted for another year they changed my escrow payment and added {$180.00} to my monthly to " cover '' this projection. Although my escrow balance was positive in XX/XX/XXXX and then only went negative after insurance/taxes were paid. I was meeting my minimum escrow balance requirement of {$520.00}. 
The advocate also told me that if I pay {$2200.00} now that will " fix '' my issue and my escrow will be correct. Then I can still pay $ 261 monthly and have my balance even out in XX/XX/XXXX Then they told me the reason my payment went up was because my insurance used to get paid annually in XXXX but for they past two years it was paid in XXXX. 
I continually asked the advocate why if XX/XX/XXXX by escrow balance was essentially exactly the same, and my payment was {$790.00} but in XX/XX/XXXX suddenly my payment was {$940.00} and he just said well I know I won't convince you that we are right but you just have to pay what we said. Our math is always correct. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I'm XXXXXXXX XXXX XXXX XXXXXXXX Just wanted to inform y'all Could you please update my XXXX XXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX, not sure what's going on but please fix it immediately. I've called XXXX XXXXXXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXXXXXX XXXX  REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely 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 2023-12-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Linebarger Goggan Blair & Sampson LLP
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a bill for XXXX from linebarger hogan blair and Sampson for unpaid XXXX XXXX XXXX. It was XXXX bill received. Why did XXXX not send notice? When I called, they said- basically send a letter pleading your case. I sent XXXX dollar check for the toll and said I never got the toll bill. When I got second notice- I paid- too much trouble to keep fighting this scam. But you need to look and see how often this is happening-! especially vacationers. A nice little scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation