BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: Nelnet, Inc.
State: MD
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:
Pursuant to 15 USC 1691a ( e ), " The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. '' Pursuant to 15 USC 1691a ( f ), " The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. '' Pursuant to the federally protected consumer laws listed above, I, XXXX XXXX XXXX, natural person and consumer, is the ORIGINAL CREDITOR for all extensions of credit created against my UNITED STATES trust account.

This is also proven pursuant to 15 USC 1602 ( l ), " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Notice congress stated " ANY CARD '' and as such, Nelnet used my social security card, a credit card as defined by congress, to extend my credit to me, the ORIGINAL CREDITOR. This violation is identity theft and fraud.

Pursuant to 15 USC 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ;, should be excluded from a consumer report '' and as such, Nelnet is in violation of this code as the extension of credit originated from my social security card/credit card is being furnished to all of the consumer reporting agencies. This is also identity theft.

In addition, Pursuant to 15 USC 1681b ( 2 ), " In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT give Nelnet written instructions to furnish my information to anyone. This is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: DISCOVER BANK
State: FL
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 have a bank account with Discover bank and applied for a credit card. I was approved for {$10000.00} but they were unable to verify the tax form I was filling out online. I was not able to access the card, use card or access card online. Now, Im receiving notice of a {$1500.00} balance. How can I have a balance when I am not able to use the card until you could verify, which never happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XX/XX/2023, I learned of Community Capital Bank ( CCCB ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. 
When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. 
The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 CCCB again reported I had a balance of {$58.00} over 60 days past due. 
In response to my dispute XXXX updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the CCB reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of CCBs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove Community Capital Banks false report and ramifications caused by it, from my report. 
Community Capital blames XXXX. XXXX Blames Community Capital. Neither will take the effort to resolve it inspite of information I have supplied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: UT
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-06-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to Experian and XXXX as well as XXXX, and all XXXX bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. 

All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with XXXX another.

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 2021-05-09
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wind and hail is due onXX/XX/XXXX and has still bee unpaid and am at risk of having coverage canceled. DMI has messed up my coverage ever since boarding the loan with them. 45 min hold times. XXXX XXXX  is the servicier of the loan and DMI subservicer. They have royally screwed up and have done very little to fix. XXXX XXXX  is no providing proper oversight of the subservicer and DMI has failed to maintain escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Today I called up Bank of America because when I was reviewing my offers online it said that I needed to contact the number on my credit card to activate offers. I proceeded to call Bank of America and asked them about it, and they said that my account needed a review and that she could do it now. So I agreed. She did not inform me that something negativa could occur. I thought they just wanted to update income and address and stuff. 

Anyways after the call she said that they will be decreasing my available balance of {$12000.00} to {$800.00}. Mind you I had just paid off like {$8000.00} on this credit card to help my credit score.  Then they lower my credit limit which will surely affect my revolving credit and I will be less likely to get approved at decent rates. Seems like a scam the bank would profit off of, by damaging your credit score so that they can charge you more interest on auto loans and such. 

This is very upsetting, due to I recently had a premature child, and I had expenses because my wife had to stop working. Now that I am able to pay larger amounts back they take away a credit line if I needed it in the future. 

Very bad business! 

Sincerely, 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 2023-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JPMCB CARD Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals.

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: FB FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have had an ongoing issue with paying my mortgage. Every month there seems to be a new issue that puts a block on my account to prevent me from paying. On XXXX, XX/XX/23, The block had apparently been removed, again, and when the girl called me to make my payment, she said she couldn't process the payment because the block was still in place. She then said that it could take up to XXXX hours for the block removal to be reflected on the account. She then told me that I could call in Saturday, XX/XX/XXXX, to make the payment. I made sure that she knew that she was telling me that I could 100 % make my payment on XXXX, after the XXXX hour period. I call in to make the payment, and guess who is closed on XXXX. So, I go to my online account, because she said I would also be able to pay there. Well, it is still showing a block on my account and will not let me pay. I have been constantly lied to, with several points I made to ask about to confirm these lies, and I have recorded all of our conversations. I am prepared to take this as far as possible, because this is a clear UDAAP violation, and I am shaking because of how angry I am at my mortgage company lying to me on a consistent basis and refusing to let me make my house payment. No one deserves to be treated how I have been treated. It is so frustrating, that it has had me questioning whether or not I want to continue living. I NEED help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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'm an authorized signer on XXXX Capital One credit cards. Both myself and the primary card holder have requested Capital One remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. Capital One has refused to assist, even though we were told by Capital One 's security team this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Experian Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may nottreat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: U.S. BANCORP
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act U.S. Bank has violated my rights. 

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

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not given the opportunity before reporting to not have the information disclosed to XXXX and was not given an explanation of how I can exercise the non disclosure option.

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 2021-08-19
Company: EQUIFAX, INC.
State: NJ
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:
After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, Equifax, And XXXX. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report. 
15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
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 requested that these UNAUTHORISED inquiries be removed, due to the F.C.R.A stating without ( WRITTEN CONSENT ) 15 USC 1681 ( B ) PERMISSIBLE PURPOSE in which i never gave experian WRITTEN CONSENT to put said inquiries on my consumer report. Not only are experian in violation of 15 usc 1681 ( b ) but knowingly and willfully reporting something on a consumer 's report under false pretenses shall b fined under title 18 and is a violation of 15 usc 1681 ( Q ) which is identity theft. Also punishable by fine or by up too two ( 2 ) years imprisoned, or both. 


I requested that ALL the UNAUTHORISED INQUIRIES shall be removed due to the fact of the said credit agency ( EXPERIAN ) CAN NOT produce the document that shows/proves that i GAVE WRITTEN CONSENT. SO therefore since the document ( written consent ) cant be upheld i demaded the said credit agency ( EXPERIAN ) DELETE THESE UNAUTHORIZED inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A {$50000.00} credit line was taken out from XXXX XXXX  in the name of XXXX XXXX XXXX and used my name as the 100 % owner of the company. I have never had any affiliation with this company or XXXX XXXX. The first I was aware of this was after a default judgement was entered against me. I went to court on XXXX for a motion to vacate renewal was not successful. 

I wrote a letter to the bank and also asked the collection agency ( States Recovery Systems ) to supply me with the original loan documents to no avail. 

The information on the loan application submitted by XXXX XXXX XXXX is fictitious and not associated with me in any way. 

There is no supporting documentation for the loan : No copy of my valid driver 's license No business and/or financial documentation associated with me in any way No copy of bank/liquidity account statement associated with me in any way No tax return information associated with me in any way No articles of Incorporation for XXXX & XXXX XXXX filed with the Secretary of State, which bear my name The signature on the loan is not mine and never lived in XXXX XXXX. 

It is also alarming that the bank officer on the loan application has the same last name of the treasurer of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Tally Technologies
State: MD
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:
Tally obtained my credit information through false advertising and I unknowingly entered into a predatory lending loan. 

I signed up for a congruent balance transfer line of credit, not a loan. 

Also initially Tally was not reporting on my credit when I joined. 

I was under the impression my balance with Tally was XXXX XX/XX/XXXX and I was blindsided with a near {$5000.00} balance. 

In 2020 Tally began to report on my credit due to a California ordinance. 

I am requesting Tally to remove its reporting from my credit file as I never authorized the reporting to my credit file. 

I was not forwarned nor received an email or letter about the change. 

XX/XX/2020 ; I informed Tally, my company is purchasing an {$8.00} XXXX dollar commercial building for my company headquarters in which Stellar credit is required. 

A Tally balance is reporting on my credit as of XX/XX/2020 I need it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-02-05
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to DIVERSIFIED CONSULTNTS because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.

Company response to consumer: Closed with non-monetary relief