BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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: Public record information inaccurate

Complaint:
unknown and inaccurate information on my chex sytstems reports dating back from XX/XX/XXXX to XXXX that are reporting judgement 's against me from opening bank accounts and getting loans from financial institutions.False accusations that i have no knowledge or consent.

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 2017-09-10
Company: Experian Information Solutions Inc.
State: MI
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: Personal information incorrect

Complaint:
CFPB 's choices do not allow me to select an accurate description of my problem. 

After XXXX  's security breach, I placed Security/Credit freezes with all 3 credit bureaus. 

No problems with XXXX, which was done online. However, Experian and XXXX both told me that " there were problems '' and that I could not continue ( I have copies of the exact wording if you need them ). They said I needed to mail them information. Neither told me what was wrong. 

So then I called them. Try to find a phone number! They 've done a great job at making it as difficult as possible to get their phone number, but I did wind up getting numbers. 

I was able to place my credit freeze using the phone and their automated systems. At least they told me I had successfully placed a freeze on my account and that they will mail me a confirmation. 

XXXX did not charge me - it never came up in the automated phone prompts. Maybe because of the mess they created? XXXX unexpectedly and very rapidly told me my 10-digit PIN which they generated and a confirmation number. I recorded both calls ( Experian and XXXX ) and XXXX did give an option to replay the long msg, but poor design. 

In XX/XX/XXXX I had a dispute with XXXX as they did not have my correct current address, which changed in XX/XX/XXXX. My driver 's license, mailing address, voter registration and even library card all had my current address, but not XXXX! They even had my mortgage of the house at the address where I was living but apparently did n't think I lived there. 

Summary of my complaints : 1. When they can not process your information, they do not tell you why ( sure, they may purposely want to keep it vague, but I 'm requesting a Freeze, not opening a new acct ). Here is Experian 's exact wording " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' 2. Wonder why the online method failed, but automated phone system worked. 

3. No phone numbers are given in their ' can not process ' message. 

4. Finding the correct phone number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number which said they were closed but then gave me the XXXX number which I was able to use. 

5. Credit bureaus must face stiffer penalties for poor data quality. They have too much power and are not responsive. If any fraudulent accounts were opened during the time a credit/security freeze was attempted and the time it actually happened, which could be a long time if someone used US Mail, they need to be held liable for all expenses incurred by the victim.

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 2017-10-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today 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 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/2022 I received 2 emails. The first was asking me to activate a credit card account and the second was that my updated XXXX  score was available. I had not asked for a credit card, so I checked on my XXXX  score first. 
My XXXX  score had dropped and when I looked to see why, it was because a credit report was pulled. When I looked to see who pulled the credit report, it was from Bank of America. That was who sent me the message about the credit card. 
When I contacted Bank of America, they said that they granted the credit card on line to someone who had the correct information for me. At that point I asked them why I didn't get a text or email to confirm it was me who was applying and their answer was that was not part of the process. Considering that if I go into the bank or call them on a banking matter, I get a text message to my phone that I have to respond to so that I can proceed, it seems to be a big security hole if they allow someone to get a credit card in my name without that text message verification. 
The BOA " fix '' was for me personally to contact all 3 credit reporting services to put a lock on my credit reports so that no one can pull a credit report. They didn't close the credit card account, claiming that the phone call from me was cut off. Since no one called me back in that case, I had to call them and spend more time on the phone to make it happen. 
Identity theft is unfortunately getting more common. BOA should not be allow to continue to have this security hole. I shouldn't have to be the one to jump through hoops to correct the problem.

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 2017-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been 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 2017-09-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received. 

I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My PNC checking account overdrafted. I called customer service and the rep told me they could do a courtesy refund of the charges but that she was n't able to do it and the Money Management Team could process it. I had called before XXXX XXXX and she said they were only available between XXXX and XXXX. I  called back after XXXX XXXX and was told they would NOT issue the courtesy refund, contrary to what the original rep told me. They refused to honor her information and instead changed their actions after telling me I would be receiving a courtesy refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX through XX/XX/XXXX for when a final order was signed by a judge to stop and deceased starting XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As of XXXX/XXXX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
During the late morning of XX/XX/2022, I attempted to login online to my CHASE FREEDOM credit card account. Four times I clicked " send me a code ''. Not only four times, but six times, Chase telephoned me- each time with a recording stating that " this is not a valid entry. Goodbye. However, I did not have a chance to enter anything, all I did was say hello. But, while doing so, the XXXX DESIGNED AI spewed about not being an entry and hung up. Clearly, J. P. Morgan Chase Bank has a malfunctioning online IT system. Moreover, starting at the top with billionaire XXXX XXXX XXXX XXXX XXXX, there is no accountability, no responsibility to the consuming public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Advantage Credit, Inc.
State: CA
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:
I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file.

I would like to have these items removed or validated per 15 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medical Data Systems is billing for XXXX XXXX for a bill where the hospital failed to bill my insurance despite me providing my card at the time of service. I have spoke with both companies with my insurance on the line who also spoke with them however they refuse to acknowledge the mistake. I told them I have no problem paying my co-pays but I'm not responsible for their employee not doing her job when I went to the ER in XXXX of 2019. I have been battling this for over a year. Who advocates for patients when the hospital fails to do their job. I've had the same insurance for over 10 years and always keep my card on me. Plus I had a friend ride with me to the hospital who was present when I provided my insurance.

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 2020-11-11
Company: ERC
State: NJ
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:
Dispute letter sent out on XX/XX/2020 and i have yet to get a response this account is harming me with living a normal life

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While checking my credit score XXXX is showing a lein on my home by Ford Motor Credit LLC. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: TN
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:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-03
Company: Commonwealth Financial Systems, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification on my XXXX account that I had a debt owed to Common Wealth Financial for XXXX dollars. This debt is showing an alert date of XX/XX/XXXX. I do not go to Pennsylvania and have no clue why I would have any debt coming from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I feel that I am possibly being cheated by my private student loan lenders, Navient and XXXX XXXX XXXX. I have 5 student loans with Navient from my XXXX and XXXX  degrees. The total amount I took out with the company was {$87000.00}, and I have so far paid back {$48000.00}, but I currently owe {$130000.00}. I have 2 student loans with XXXX XXXX XXXX from my XXXX degree. The total amount I took out with the company was {$40000.00}, and I have so far paid back {$28000.00}, and I currently owe {$38000.00}. 

I have never been late on any of my payments, and I have tried to negotiate with Navient to help me make the monthly payments, but they just keep suggesting that I extend the lifetime of the loans and remain on interest only payments. I also believe that the interest rates on at least 3 of the Navient loans are excessive and possibly illegal in my home state of Pennsylvania, where the legal rate of interest is 6 %. The three loans I am concerned about have interest rates of 9.63 %, 10.88 %, and 11.63 %. Finally, another key issue of concern is the fact that I never took out loans with Navient, but with Sallie Mae and they sold them to Navient without my permission. Attached, please find a summary of information related to each of the individual loans. 

I should note that I was in full time education from XX/XX/XXXX- XX/XX/XXXXat  XXXX University ( XXXX XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat  University XXXX XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX, I tried to access my online banking services with Citibank. I found that the system would not allow me access and merely stated that I should try to access the site later due to : " Technical Difficulties ''. 

I tried again to access my online banking on XXXX in the morning and again in the evening to access online banking and received the same message to try again later due to " Technical Difficulties ''. 

On XXXX, after receiving the same message I called directly to the Citibank customer assistance and tried repeatedly to access the online services with a banking representative, after several repeated failures due to " Technical Difficulties '' - the representative consented to forward my call to a Supervisor. 

I worked for another thirty minutes with the Supervisor every step of the way and she finally admitted that Citibank is indeed experiencing " Technical Difficulties '' with online banking - especially relating to resetting password access. XXXX stated that the problem has existed since XX/XX/XXXX and has not yet been resolved. I called today ( XX/XX/XXXX ) and the banking representative again confirmed that the " Technical Difficulties '' have not yet been resolved. 

At present - there is NO statement on any webpage from Citibank, or disclosure regarding this breakdown in their ability to deliver services. While the Supervisor at Citibank says she recorded my complaint, and added my call to their trouble ticket, I am also deeply concerned by the lack of disclosure to the public and Citibank customers specifically about this extended failure in their services.

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 2022-07-19
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Last Friday, XX/XX/2022, I received a phone called. The person said that they were with Dept. of Education and that I qualified for student loan forgiveness. Now, normally since I have an XXXX those type of phone calls comes up as " Scam Likely '' on the called ID. Also, I've received a phone call a couple of years ago and went through something similar. During that time, I was told that third party companies ARE NOT with Dept. of Education, so when I received this phone call stating that they WERE with Dept. of Education, I thought it was legit. They asked me a few questions and I answered. They then gave me a user name login for FSA and asked me to recite the code received to my phone. I thought it was weird, but I gave it to them anyway. Then, they transferred me over to another representative. As I'm on hold, I googled ways to know if I'm being scammed via FSA. And on the site it clearly states that Dept. of Education will not ask for your password and that if they had that information they could use it to sign documents without me knowing. So, when the new representative came on the phone, I asked him again if they were with Dept. of Education and he said no. So, I hung up. I didn't give them any payment information or paid any fee of any sort. But they did have my login information. I immediately changed my username and password and called my loan provider. That person stated that that's all I could at the time and that I was good. I received an email from Dept. of Education today, XX/XX/2022, about suspicious activity about a third party on my account. I called Nelnet again and they stated they don't see anything new or suspicious on their end, but to change my password just in case ( which I did ). I called FSA and the representatives told me that they don't see anything new or suspicious on my account either. But they did inform me to file a complaint here to have you all look into fraud or anything new for the future. I've also removed any saved payment account on Nelnet to ensure that these third party companies will not take any payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: KEYCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
The CRA 's ( Transunion, XXXX, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ 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