BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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:
Date : XX/XX/20 Re : reporting fraudulent information XXXX ChexSystems, Early Warning Services I requested to open a bank account on numerous occasions I was denied due to check systems. I have disputed several other accounts that they have removed but are refusing to remove the other two that are not mine also, I contacted them and provided them that I wanted them to investigate and provide proof that I open the account within 30 days or to remove it from my credit file. They did not do that in fact they just sent me a letter stating that the bank verified that the account was mine which is not providing me proof that the account is actually mine anyone can open an account online. What is a victim of attorney theft I did remove the security freeze off the account so I can open an account. I have been disputing these transactions and accounts for over two years now previous to this I was incarcerated in a state penal institution they received mail for me from the correctional institution stating that there was accounts being opened and they were not me they initially placed a security freeze on my account but failed to remove the incorrect fraudulent information obtained in their credit report. 

I tried to work with them on numerous occasions to fix this they do not want to they continue to say that the accounts were verified which that can not be possible if I was in a state panel institution I also sent them a copy of my booking history which shows what days and dates I was in XXXX XXXX. 

Continue to fight with these people about the incorrect and inconsistency in my name and address most of the addresses and names that they have are not mine nor the phone numbers I tried to get them to update that and they failed to do so they keep reporting false fraudulent information and its affecting me I will take legal action if they do not remedy this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2023-10-02
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re-enrolled in auto-pay in XXXX, and on the first payment restart ( XXXX ), payment did not process, showing the payment was late on ( XXXX ). 

Manually paid to rectify, but this defeats the point of auto-pay. Had zero issues with XXXX XXXX as a servicer. Nelnet has been very bad with shifting amount due throughout month, no access to payment schedules, in accurate billing, and telephone wait times of 3+ hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Tried to pay my loan and the servicer, Nelnet, is not allowing me to do so. By not allowing me to pay my loan- Nelnet is allowing my loan to accrue unjust interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/20 I switched from XXXX XXXX to XXXX XXXX. On the XXXX final bill they added {$80.00} account charges for the period of XX/XX/20 - XX/XX/20. Dispute both the unknown charges and the dates for those charges. They also assessed an early termination fee of {$170.00} for XX/XX/20. I do not recall ever signing anything that calls for an early termination fee. XXXX can not dispute the date of cancellation. They had to release the numbers in order for me to switch. 
I tried contacting XXXX on after I received their final bill on XX/XX/20. Was transferred to the billing department and hung up after waiting 60 minutes. Called back and the customer service rep told me I could wait for a collection letter. All attempts at phone contact result in long wait times. 
I started receiving text messages for Sequium Asset Solutions ( XXXX XXXX? ). I texted back asking them to call me, they never did. I received their letter dated XX/XX/20. Went to their website and instead of letting me file a dispute, the site only allowed me to arrange or make payment. I used their contact link to formally file a dispute. I also used an email link to send a duplicate dispute through my email. I have never received an acknowledgement much less an answer. They have since place a collection account on my credit bureaus. I have request them to be removed but again no answer. 

I acknowledge I owe the balance for the phone equipment but I won't pay that until we agree on the total billing. 

Sequium ref # XXXX XXXX acct # XXXX Amount {$650.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kohls credit card financed by Capital One continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: OLIPHANT FINANCIAL, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 at XXXX hrs, I recieved mail from XXXX XXXX XXXX stating that I owe {$480.00}. I am not familiar with the debt & immediately called, I spoke with XXXX & he identified my social security number and stated they were a collection agency, for Oliphant Financial Services. I advised him that my Identity was stolen and I had a Fraud Alert on my credit file as well. He advised that a Fraud packet will be sent to my mailing address, to sign it & mail it back. He insisted on me providing additional information, but I would not. He disconnected the call. I am unable to see XXXX and XXXX and both scores decreased tremendously. I did report my Identity being stolen to FTC and my local Sheriffs Office report. I also contacted creditors as well. 
I made contact with XXXX at XXXX with Oliphant Financial Services, but she insisted on me establishing an account with their online portal in order for them to assist me. I denied their services and did not establish a profile, account, nor debt with them and did not want to establish any profile. I repeatedly this information. She insisted I did not understand what they serviced and that she was not getting through to me I quote ; then she kept advertising their services and to just sign on. I refused. She did not verify an account, but she did ask me what was the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a Amex Blue Card - they denied. I do not desire Platinum. I feel AMEX is discriminating against me. I called wrote to CEO ... ... No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
i received an email that states mt my chime account changed the password and also a second email that it was logged in by a i phone at XXXX today in XXXX ohio XXXX i have never had a chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is against Apple Savings account managed by Goldman Sachs. I initiated a withdrawal from my Apple Savings account to my checking account on XX/XX/. The confirmation page displayed in the app clearly stated that the transfer would complete within 1-3 business days. On XX/XX/, after waiting for 3 business days, the transfer was still in pending. I called Apple Savings and was told that a transfer would take 5 business days. I was advised to call back on XX/XX/XXXX  I called back on XX/XX/XXXX  and again on XX/XX/XXXX  because the transfer still showed pending. I was then told that the transfer was under review. When I asked how long the review would take, I was told that there is no timeline. The customer service person also stated that it could take up to one year or more. I was left speechless. I would like Apple Savings account managed by Goldman Sachs resolve this issue for me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy Account : US BKPT CT AL XXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from worldmark by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

3rd. Per Us Law according to 15 us 1692c. We did not give permission for XXXX XXXX XXXX and the finance company ( comenity bank ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

4. Me and my fiance experienced discrimination from XXXXXXXX XXXX XXXXXXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature

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 2020-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is constantly placing an account that I have disputed numerous times on my credit report. I do not owe this amount to XXXX XXXX XXXX. I did not break my lease. This is an inaccurate account with unauthorized charges on my credit report. I have filed a complaint with CFPD and still have not received any information from Experian regarding my 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 2023-06-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

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 2020-08-18
Company: ACIMA CREDIT, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was effected by COVID-19 & I explained that to them & they say that theyll work with me & they reported me60 days late & I was effected by COVID-19 & they told me that they would work with me under the cares act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: MECHANICS BANK
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
During the high pressure sales of a XXXX XXXX XXXX by sales Representative XXXX XXXX at XXXX of XXXX, XXXX XXXX XXXX., XXXX, OR XXXX on XX/XX/XXXX my Gap Addendum for {$620.00} said XXXX XXXX and other contract paper work said Mechanics Bank. There is no Mechanics Bank in XXXX XXXX CA XXXX. Because XXXX of XXXX did not give me all five pages of the Gap Addendum only page one, there is no Mechanics Bank in XXXX XXXX, Ca XXXX, I was high pressured, rushed through the sale, and not given the Used Car Buyers Guide for the XXXX XXXX XXXX. The contract # XXXX should be voided and XXXX of XXXX should take this car back to the XXXX of XXXX. XXXX of XXXX should have never delivered by XXXX XXXX XXXX company the XXXX XXXX XXXX-XXXX to the middle of drive way, locking the car, blocking my garage door with out my permission or my signature. XXXX of XXXX does not follow XXXX XXXX XXXX XXXX or XXXX XXXX selection Guarantee stated on the internet. Worst customer treatment buying a car I ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are two inquiries that I did not authorize.

1 ) XXXX XXXX XXXX Inquiry date : XX/XX/2020 2 ) XXXX car financial Inquiry date : XX/XX/2020 Ive contacted the creditors and was unsuccessful to reach anyone. The contact information reporting is wrong. I found another number to contact and neither of these companies has any information about a credit application with my name on file. So I was advised to dispute the inquiries with the credit reporting agency Experian. I am requesting a removal of these two inquiries due to I did NOT authorize these companies to pull my credit report. I have no business with these companies and they did not have permissible purpose. If Experian can not supply a signature stating otherwise, then this is fraudulent and illegal to report false information.

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 2023-10-03
Company: EQUIFAX, INC.
State: MS
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 am a victim of identity theft. I filed a police report and FTC report and sent the paperwork in with my disputes to the credit reporting agencies. The disputes have not been processed correctly and the paperwork has not been attached. And copies of the verification process has not been sent to me per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX XXXXy for my Bank of America card but I also made XXXX extra separate payments beginning in XXXX, XXXX and XXXX on my Bank of America credit card which amounted to almost {$2500.00} and the money was not applied to my active account. Instead the money mysteriously was applied to an inactive business account and no one can explain why it went there instead of my personal account. I discovered this mistake last week and attempted to fix this error. I contacted B of A online. They said that the money will be transferred to the proper account but it may take up to one or two billing cycles. In the meantime, I am paying full interest on money due. It also then limits if I have a big purchase to make as well. What is the delay? They should be paying interest on my money.instead of charging me. When you attempt to talk to them via phone, they hang up on you when you ask them questions as well. Can you help me? Thanks in advance.I also went today XX/XX/13 to a local B of A bank in person to ask them to fix this problem and I got the run-around and they are shifting the blame to my personal XXXX XXXX. This is totally inaccurate, B of A made the error and refuses to make it more timely. Thanks again

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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: GA
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:
Im sending this complaint to chase bank and I am demanding that chase bank settle these four accounts that were open fraudulently in my name, I do have an attorney hired to help me with this, but Im referring that myself handle this because I am a victim of identity theft I was made aware of three checking accounts and one credit card that was open in XXXX and closed in XXXX, and these other accounts open around XXXX, I did not live at the address thats on these account, so Im asking chase bank to settle these accounts and resolve this situation before I turn it over to this attorney name XXXX XXXX, I can and I will excercise my right to arbitration if necessary, im asking XXXX pure account that was open which comes to XXXX and taxes on that XXXX is XXXX x22 percent, I have tried over the phone but instead got treated very badly and disrespected, im demanding that these accounts be resolved before I move this matter to the attorney which is helping me with my identity theft, your rep at the XXXX XXXX XXXX poor customer service would not help and did not get anyone on the phone to help me, I have filed a ftc identity theft report about this, now resolve this matter I do not want an account with chase bank period, but yall have accounts that are open fraudulently in my name, you can call me to resolve or email me, I am a victim of identity and I do have documentation to show that I am my identity was used to open these accounts now settle this matter.

Company response to consumer: Closed with explanation