BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Chime Financial 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:
I have a chime credit builder account. The idea of the credit builder account is to help you build your credit with the money you have in your debit account. You cant spend money you dont have. However chime went ahead and pay a business money I did not have in my debit account now they said my credit builder account is in the negative which should not be because chime credit builder is not like a traditional credit card it doesnt allow you to spend money you dont have. I have however been paying chime on the balance they said i owe even though they were the one that allow a merchant to take money that was not available in my debit account to fund my credit builder. Chime has been incorrectly reporting my credit builder account has overdrawn and that was not the contract I signed with chime when I opened the account. ( its not a traditional credit card so it shouldnt be reporting as such because I was not given a credit limit from chime ). Chime has since went ahead and reported my account to the credit bureaus as 30 days late which violated the contract I signed for the credit builder account. Again I was not given any money by chime to spend that I didnt pay back so how could I be 30 days late. Chime was the one who paid a merchant money that wasnt available and based on contract I signed for credit builder account, this shouldnt have happened. I want chime to delete the 30 days late payment from my credit report immediately and to delete the credit builder account from report since it doesnt follow the guidelines based on the contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NUMEROUS 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 items 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, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-05-12
Company: BOEING EMPLOYEES CREDIT UNION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called XXXX. They ( BECU ) say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with BECU. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the BECU is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a loan for {$360000.00} on this property. with an additional {$40000.00} for the heloc. I receieve 1099 for XXXX in XXXX that i paid irs taxes in XXXX and a release lien from DOJ for XXXX on XX/XX/XXXX. So i have paid {$400000.00} however they are trying to collect {$160000.00} from me. i filed a ch.XXXX and converted it to a ch. XXXX bankruptcy in XXXX and no one responded. I got the discharge. XXXX XXXX XXXX XXXX said i did not owe any more money. I got the final discharge on the bankruptcy. Then in XXXX this company came out of nowhere saying that i owe them {$100000.00}. This bank is being unreasonable, They are not doing what the federal government said they should be doing. They are not helping me. I went into another Ch.XXXX in XXXX and it was dismissed in XX/XX/XXXX. Since at least XX/XX/XXXX, there has a been an international pandemic and a judicial emergency. The courts are not allowing evictions nor foreclosures at this time due to the statewide judicial emergency. The judicial emergency has been extended through XX/XX/XXXX ; however they are threatening to foreclose on me on XX/XX/XXXX. I was making all my monthly payments through bankruptcy until it was dismissed. They have refused to take any money from me since the bankruptcy has been dismissed. I don't think i owe them anything but if i do i need a 12 month deferment due to covid19. Over 40 million people have been unemployed in the country due to covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act 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 instruction 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2022-03-31
Company: Experian Information Solutions Inc.
State: UT
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 belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2020-08-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unknown inquiry on my Equifax credit report from XXXX XXXX XXXX I didnt apply for any services or products its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
This letter is in response to your letter dated XX/XX/XXXX XXXX  signed by XXXX XXXX by the America Express XXXX XXXX XXXX XXXX XXXX. The letter is in response to the following CFPB complaints : CFPB 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 Per the letter, although I have the correct address in the letters I mailed out disputing multiple charges, you are not going to place those charges into dispute because American Express can not find a record of those letters. Your response states that I need to call XXXX to dispute the charges. Per the cardmember agreement, I chose to mail out my request to dispute the charges. Per US Postal Service records, each letter was delivered to the correct address. As such, I demand that I receive credits for each transaction I am disputing along with a refund of the interest charges that I was charged to this day. If you refuse my demand, I request that this issue be settled through mandatory arbitration. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Negative impact of inaccurate appraisal

Complaint:
Around XX/XX/2023 I tried to get a pre approval from Fairway Mortgage Co. in XXXX, Ca. During the application process the loan Agent did a hard inquiry on my credit report instead of a soft pull. It was my understanding that they would do a soft pull first and a hard pull in escrow. After the loan agent miscalculated my approval and I was not able to purchase the home and had a bad feeling about using them. 
So I decided to go another route and when the soft pull was done I found that my score had dropped XXXX points and was going to be there for at least two years. This is my first time trying to purchase a home and felt taken for granted. I have been working hard to improve my credit and would like to purchase a home in the future with out this mark keeping me from doing so. Because of this inquiry I will not be able to purchase a home unless I use Fairway Mortgage Co. 
My financial plan is to rent one more year, get this mark removed and pay off some debit so I will be ready to purchase a home in the near future. Please fill free to call with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of fraud. I filed a police report with my local Police Dept. Discover first credited me for the fraud and then charged me with the fraud on the replacement card. I now have a XXXX point drop in my credit and the fees and interest on the Discover Card continue to accrue. 
I can provide proof that Discover removed the fraudulent charges. 
I can provide a copy of the Police Report. 

I canceled the Discover Card. 

I am still being harassed by monthly bills, interest, penalties and my credit destroyed because of Discover. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-05
Company: Experian Information Solutions Inc.
State: CA
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 have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX  XXXX, Experian has received several ( al least 6 attempts ) to validate or remove the account. Experian has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to Experian asking for this account removal. Experian has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX 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 no consent is fraud.

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 2022-07-27
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I filed a complaint number XXXX. The lender responded by stating they did not know what file I was referring to. I then responded with the information and Flagstar closed the complaint and did not answer the concerns raised. I then called Flagstar and asked about the concerns raised in the complaint. I was told that I needed to send in a Qualified Written Request and I needed to file another complaint. I was told they were unable ( or unwilling ) to send me any information regarding FHA recovery mod denial. I asked if Flagstar 's underwriting department or FHA denied the recovery mod. I was told it was a mutual decision. I am now requesting all documentation showing that the loan was sent to FHA for a recovery modification and FHA denial. Flagstar has now sent this loan to a foreclosure attorney. This is now incurring legal fees without any proof that all post COVID options were exhausted. We are asking for these documents. Also, in case Flagstar would like to say that they do not know what loan this is in reference to the loan number is XXXX. We are asking Flagstar to answer these questions. Also, we are again requesting information about the previous complaint.

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 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: AL
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:
On or about XX/XX/2023, I received a call from Truist Bank 's Fraud department concerning two suspected fraudulent charges on my credit card. One charge was for {$1.00} the other was an XXXX charge of {$710.00}. I said neither of those charges were mine. I was told my card would be closed and a new one sent to me and that the charges would be investigated. When I received a Truist statement with the {$710.00} XXXX charge billed, I called Truist and was told the charge was being investigated. I then received a Truist letter dated XX/XX/2023 assigning case number XXXX to the case. When I received the bill dated XX/XX/2023, the charge was listed as a previous balance and fees totaling {$36.00} were added. I called the Fraud Department again on XX/XX/2023 and was told it takes 3 billing cycles to complete the investigation. I then received a letter dated XX/XX/2023 telling me my payment was past due and may be reported to a credit bureau. I called the Fraud Department again on XX/XX/2023 and was told they are still working on it. I received another Truist letter dated XX/XX/2023 advising my account was past due and again stating it may be reported to a credit bureau. I called again on XX/XX/2023 and was told the investigation was being expedited. On XX/XX/2023 I learned the matter had been reported to credit bureaus and my otherwise excellent XXXX score had been reduced by XXXX points due to Truist 's delay in investigating the fraud. I called again and was told a second time the case would be expedited. I later received a letter dated XXXX advising my account was being closed and that " This communication is an attempt to collect a debt.. ''

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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