BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Tranunion is reporting that I have a delinquent account with XXXX XXXX XXXX XXXX, this account as been paid and they are still reporting it as delinquent on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the last 60 days I have made extra efforts to pay down my balances as I was told by the credit bureaus, Transunion and XXXX, that this would improve my credit rating as it would lower my utilization. I made these efforts because I am in process of looking for a home and my career path also wants to see good credit standing. After making these efforts even though I get notifications my balances are being paid down my credit score plummeted by XXXX points which is drastically impacting my steps to improve my life and the bureaus have no answer as to why. They all agree that it is a considerable change but they dont provide any reason as to why its happening and even after filing a complaint with them I received no contact back or follow up in regard to this issue. It is very important that these issues be resolved as soon as possible because this is having a considerable negative impact on my career advancement and life.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing to exercise my rights as a Federally Protected Consumer under the Fair Credit Reporting Act ( FCRA ) and hereby inform you that I am opting out of any and all authorization I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 USC 6802.

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 2023-12-10
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

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 2023-12-10
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: Personal information incorrect

Complaint:
I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/ 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 2022-02-11
Company: EOS Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a debt that was sent to EOS CCA from XXXX XXXX. I settled the debt out with paying less than I owed last year in XXXX. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where. 

EOS XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and US Asset Management, Inc XXXX XXXX XXXX XXXX, XXXX  XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX-1 that lenders are not required to, and should not, issue Forms 1099-C when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice. 

Based off review of the notice, it pertains to private student loans, which this company collected on behalf of XXXX XXXX, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have XXXX accounts on my credit report I have listed the documents below.

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 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX they did that to me when the pandemic started it took them months to pay me saying my file had a flag on it but couldn't find the reason why it said that and it took them months and months of me calling everyday on hold for hours for nothing and I still have two pages of payment claims I never received the money when I told them about it they went in and changed it to paid I t said I never got the payments they issued another card then they changed company 's for the pre paid company 's this started in XX/XX/2019 they gave me 8 payments again they started XXXX and not giving me the payments then I got hacked they stole theoney it was there then gone

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 2021-06-28
Company: On Q Financial
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have bought our first home in XX/XX/XXXX FHA with On Q Financial. Unfortunately, we got sick in XX/XX/XXXX and was out of work for two month and a half. We were out from XXXX, XXXX and mid XX/XX/XXXX. As soon as we told out employers they told us we couldn't come back to work until we tested negative. That was back in mid XXXX, but during that time we contacted On Q financial and told them the situation and submitted proof that we tested positive of XXXX, They told us to apply for the COVID program, were they required for us to submit and application and proof of income and other documentations in order to get approved. I started the paper work in end of XXXX before we get behind but, it was a back a forward with they about the paper work. I could never get answer as of what other documentation they needed and why they needed it for. All they would message me was that i was missing document until sometime in XXXX if am wrong we got a letter that we got denied. but during all that time we became behind on our mortgage 3 months. Which is what we currently behind, we have been paying but it been hard to catch up with since are also behind on other stuff. ( car, insurance, bills ) but we are doing our best to get back on our feet.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible. In addition, I have attached a PDF document reflecting all items that were found. 

TRANSUNION 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/2021 I purchased two air plane tickets from the merchant ASAP Tickets for the cost of {$950.00} and {$990.00} to a flight to XXXX on XX/XX/2021. 

Upon arrival to the airport I immediately proceeded to check in with the airlines, XXXX, but was denied entry on the basis that the Covid policy changed from 72 hours to 48 hours the prior week. I had the proper negative covid results but did not receive any direct notification that the policy has changed, only a link within the booking confirmation was circulated. By that time I had the test scheduled and everything planned for the trip. 

After upon hearing that I could not board the flight I immediately called ASAP tickets to see if they could help the situation but they did little to help, along with the airlines themselves. 

I attempted to changed the itinerary but merchant customer service was unresponsive. I then immediately filed a dispute with the credit card, Citibank, on XX/XX/2021. 

They opened the dispute and provided me with conditional credit while the dispute was open. 

Citibank contacted the merchant and the merchant responded after nearly a month with their paperwork. I then provided my paperwork along with my comments. Nearly another month went by when the merchant was again allowed to provide additional information but I was not. 

Citibank ended up denying my dispute on the basis that the ticket was non-refunded able and suggested I should get in touch directly with the merchant. I strongly believe that the dispute was done haphazardly and only focused on the " non-refundable '' element of the merchant 's policy and not the fact that I was not provided adequate information regarding the Covid policy changes. 

The merchant has a history of providing terrible customer service. As you will see in my documentation I contacted the customer service many times but never had a concrete response regarding a refund or potential travel credit.

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 2022-03-17
Company: Grain Technology, 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:
Grain Technology claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Mid-Atlantic Finance Co., 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 belongs to someone else

Complaint:
Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2020, I spoke with XXXX and XXXX, of the XXXX Ombudsmen 's Office, in regards to delayed refunds pertaining to the CARES Act and student loan wage garnishments. 

They said XXXX can only process wage garnishment refunds once payment has been received from Delta Management Associates. Since Delta Management Associates has delayed wage garnishment payments to XXXX, refund checks issued by XXXX are consequently delayed, as well. 

XXXX contends Delta Management Associates ' late payments of wage garnishments to XXXX is the reason why wage garnishment refunds have been delayed.

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 2023-07-12
Company: OneMain Finance Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint concerns a high-Interest loan company. I acquired a secured loan with One Main Financial and paid the loan off early. My first loan with One Main was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. 

Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thank you very much for reviewing my complaint and for your help in this matter. On XX/XX/2022 I contacted Mr. Cooper mortgage company and spoke with a customer service representative regarding my PMI. I informed the the rep that I would like to pay my principal to below the threshold of loan to value so that I could remove PMI per the Homeowner 's Protection Act. I was informed that I would have to make the payment XXXX and then after the payment was made they would initiate a process to determine whether or not they would remove PMI from my loan. Obviously that was not an option for me considering the payment I would be making is tens of thousands of dollars. I reported my unhappiness with this result and was contacted again on XX/XX/2022 by a supervisor. She told me that the information I had received was correct and then proceeded to try to convince me to refinance at a much higher interest rate than my current loan to remove PMI. I informed her that I was aware of the interest rates that are currently in the market and had done my research regarding the Homeowner 's Protection Act. I told her that I would be doing whatever I could to remove PMI from my current loan regardless of the policies that she told me are in effect. She informed me that that would not be possible that their policies required the payment upfront and then they could initiate the process to review my loan and determine if they would remove PMI even though my loan to value ratio would be well below the 78 % threshold. I even offered to sign an affidavit to guarantee that I would put the aforementioned money towards my principal if they would initiate the process XXXX and let me know if they would be willing to take the PMI off after the payment is made so that I did not put down a large chunk of money without receiving the outcome that I wanted. I was flatly denied. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
They applied for a credit card and loans without my consent They stole my identity I did not authorize anything with my credit Thank God I saw a new request on my credit report and I called the bank and canceled it

Company response to consumer: Closed with explanation