BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Pickett Law, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved to the property where I currently live in XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. I paid this bill on XX/XX/XXXX. Also, in XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. Again I paid this bill on XX/XX/XXXX. 

The water and sewer bills recommend to pay the bills on XXXX XXXX XXXX XXXX, XXXX. website. XXXX XXXX XXXX  website recommends to pay the bills through a third party which in my case was XXXX. I have the receipts of payment for both bills from XXXX 

Yesterday, I found in the mail a Notice of Intention to Create a Lien against my property from Pickett Law Firm. I first called Pickett Law Firm yesterday, It was after office hours. I did not get a chance to talk to anyone. This morning, I called again around XXXX XXXX Pickett Law. They put me on the hold until the call ended. I also reached out to XXXX XXXX XXXX XXXX XXXX  after the call to Pickett Law. The lady I spoke to, indicated that the issue is already at the Pickett Law firm level. So, they can't help me. I would have to contact the Pickett Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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 have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted ChexSystems to dispute the inaccurate information. 
I contacted ChexSystems, followed their dispute process and according to the FCRA ACT I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to ChexSystems. 

Chex Systems continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of XXXX my husband and I entered into a loan agreement with Santander Consumer USA for our XXXX XXXX XXXX. We decided to refinance our loan a year later and completed the payoff process through the refinance. We contacted Santander at the end of XX/XX/XXXX and inquired about our gap cancellation refund. We were advised to reach out to our dealership because they had no information on our gap insurance. We contacted XXXX XXXX XXXX who informed us that a check was issued to Santander on our behalf on XX/XX/XXXX, and that we needed to get our refund from Santander. We reached out to Santander again last week XX/XX/XXXX and the agent advised us that they never received any gap cancellation payoff from XXXX XXXX. I then emailed the check from XXXX XXXX XXXX showing that it had been sent to Santander. She then advised us that the accounting department would have to investigate and to call back in about a week. We called today XX/XX/XXXX to follow up and was informed that the accounting department shows that they issued a check to us on XX/XX/XXXX in the amount of {$630.00}, check number XXXX. I advised the agent that not only did we not receive a check but why would you issue a check with the same check number our dealership sent you. Apparently, the investigator is reading their payoff as a check that was issued to us, when in fact the check was never issued. We asked for an image of the check, Santander could not provide us with one. We inquired on a reissue and the agent said that it could not be reissued because it is showing as paid. When in fact it was never issued or mailed. We asked to escalate the issue to the executive level and have been dealing with issue for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
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 recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Attached is my documents, DL, and paperless utility bill. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-02
Company: LAKE MICHIGAN CREDIT UNION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022, XXXX XXXX, I purchased a sofa online from XXXX XXXX. I was told Id receive it within 8-10 weeks. After 8 weeks passed and I hadnt heard anything, I reached out to the company, was told they were going through an acquisition and to keep an eye on their order update page. I checked back constantly, and in XXXX I finally learned that they had not produced my order and I wouldnt be receiving it. So they told me to file a claim with the company handling their finances during the dissolution of the company. And to wait until XX/XX/XXXX for a resolution. So I did what they said. And I waited. And I filed a dispute with XXXX XXXXhe first week of XXXX after finding out I would not be getting a refund. And now my bank and XXXX  have told me that there is nothing they can do to get my money back. But I know thats a lie. Because Ive spoken to others in my situation who are getting their money refunded by their credit cards and banks. 
I really need to have my money refunded. I paid for a good that was never delivered. The company took my money and walked away with it. It was nearly XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and XXXX blocked Bank of America and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XX/XX/XXXX my wife and I added our respective XXXXXXXX XXXX accounts for external transfers and manually verified ownership of both accounts through the small deposits that Ally sent. We don't use the XXXX accounts much so in order to avoid a monthly fee with them, we have {$2.00} automated ACH transfers scheduled every 2 weeks for each account. These have been successfully executed a dozen times. ON XX/XX/XXXX I received an email from Ally saying that my wife 's XXXX account could not be verified and was removed from our external bank transfer list. Again, ownership of this account was verified back in XXXX and Ally has sent transfers there many times. When I called Ally on XX/XX/XXXX, after a lengthy wait time as the rep contacted numerous departments to figure out what was going on, I was informed that the account was mistakenly removed as the result of a system error. The rep advised me to re-add the account. When I tried to do that, I got an error that the routing number was invalid ( it isn't ). The rep then tried to add the account for me and he got a different error. Consequently, he said that the account addition now had to be reviewed by " loss prevention. '' Later, I logged in and noticed that the XXXX account was now listed as " Denied '' as was my XXXX XXXX XXXX  account for which I had been waiting for Ally to send small deposits for manual verification. This is the second time in the last couple years that I have had a major issue with Ally 's external transfers. The customer service reps are powerless to help and the department tasked with fixing it and calling me in " XXXX hours '' ( as they promise ) never call or fix the issue. I was not able to get it resolved last time until a CFPB complaint was filed. I have been with Ally for over a decade and it's ridiculous that this even happens at all, let alone the fact that the mere mention of having this reviewed by " loss prevention '' is an assault on my and my wife 's character. I just want this resolved and further, I want Ally to take steps to fix whatever issue it is that continues to cause problems with getting my own money out of the bank.

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 2022-12-29
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A fraudulent account is being reported from someone within XXXX XXXX XXXX through NATIONWIDE RECOVERY SYSTEMS. That has previously been deleted in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX the XXXX household contracted XXXX. During this time XXXX and XXXX reached out to their bank ( XXXX ) to ask for XXXX assistance. XXXX immediately agreed and said it was taken care of. Unfortunately they mistakenly deferred their HELOC. When this error was discovered XXXX bank assured the Schmidhamers they would fix the mistake and defer the missed mortgage payments due to covid. Unfortunately many more errors followed and right before they were told it was all going to be fixed soon the loan was transferred to Mr.Cooper. The XXXX  then restarted the entire process for Covid relief with Mr.Cooper. Unfortunately the process lasted much longer than anticipated and ultimately it was mistakenly denied when Mr.Cooper requested a quarterly profit and loss statement for a business. The XXXX  do NOT own a business of any kind. Even though XXXX called on several occasions to address the issue and continued to provide months of paystubs by her employer and tax returns Mr.Cooper denied the claim because a document that does not exist wasnt provided. After this unfortunate event the Schmidhamers restarted the entire process over and were reassured again that everything would be fixed and not to worry. On XX/XX/XXXX the family received the news they had been waiting for. A letter saying congratulations and explaining the past due loan amount would be deferred and be due at the end of term with regular mortgage payments restarting on the date of XX/XX/XXXX. XXXX called Mr.Cooper to verify the letter and again had the long awaited good news confirmed. XXXX called again a week or so after to ask if the mortgage payments would be auto deducted and was told just to call on XX/XX/XXXX to make the payment. Unfortunately this was all later found to be completely untrue and the Schmidhamers learned that not only was nothing resolved but they would again have to restart the entire process. Mr.Cooper informed them that they missed the deadline to complete the paperwork for the USDA Covid relief they previously stated the Schmidhamers were approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
to my complaint # XXXX. Payment was sent to COAF in the form of a XXXX for fulfilment of payment defined by the IRS website which indicates that the recipient must file the form with the IRS to receive payment. Defined here : File Form XXXX, Acquisition of Secured Property, for each borrower in full or partial satisfaction of the debt, you acquire an interest in property that is security for the debt, You need not be in the business of lending money to be subject to this reporting requirement. Subsequent holder. A subsequent holder of a loan is treated as a lender and is required to report events occurring after the loan is transferred to the new holder. 
I was told that COAF does not accept XXXX as payment, however I was not given a reason why COAF could not accept the XXXX. Also by Postal Rule CAOF in fact have already accespted my offer of payment. I also sent a payment of Negotialbe Insrument money order payment coupon in which they also rejected : Definition- Negotiable instruments are mainly governed by state statutory law. Every state has adopted Article 3 of the Uniform Commercial Code ( UCC ), with some modifications, as the law governing negotiable instruments. The UCC defines a negotiable instrument as an unconditioned writing that promises or orders the payment of a fixed amount of money. 
so my case has note been properly handled by COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: OH
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:
For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Lockhart, Morris & Montgomery Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX Utah, company without a form XXXX XXXX or my knowledge or consent, sold nonpublic personal information of mines to a collection agency out of XXXX Texas named Lockhart, Morris, and Montgomery. 
Violating Title 15 U S C 6802 Cornell Law.

A financial institution shall not directly or through an affiliate disclose to a non affiliate third party ANY nonpublic personal information. Without my knowledge, consent or other make it known to consumer Clear and Conspicuously. It must be at the time the dealings or relation begins. 
Lockhart Morris and Montgomery does not hold a original promissory note or contact. I ask them to provide my signature saying I agreed to pay them and they could not produce it. There was never a contract between myself and the collection agency/ third party. 
I would like XXXX XXXX and Lockhart, Morris, and Montgomery deleted for all eternity from my credit files. XXXX, XXXX, and XXXX. 
This is the second or third time I have made this complaint to CFPB. They are clearly in violation of USC TITLE 15 Trade and Commerce. Cornell Law, and the truth and lending act. Also someone forged my signature on that contract. I can prove it to. Recently XXXX XXXX agreed to a class action settlement and I received two checks for a small amount in the mail. I have not chased them. Those checks are a admission to guilt like it or not therefore the account on my credit files should not be on the files any longer. At this point I am seeking not only the account be removed but I am also seeking damages and a written apology. My telephone number is XXXX. If it can finally be solved they are free to call me. If taken lightly as everything else I will see them by way of attorneys who will not settle easily. I am also willing to take my allegations to the media and let more people get to speak there truth. I am so frustrated with how this has accurred, it's affected me, my family, and my character in the eyes of other people and I am ready to deal with it. By the way CFPB when I filed with you before they never, wrote, called, or anything just business as usual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was unaware that a mortgage that I had with XXXX was transferred to Fay Servicing. I discovered this through routinely checking my own credit report. XXXX is NOT on my credit report. The primary borrower is not communicating with me at all, including sharing loan information ( account number, payoff balance, monthly payment amount, correspondence with loan company, etc ). 
The ONLY knowledge I have has been provided through my credit report or through credit disputes. 
I would like to take responsibility for this loan to prevent further attacks on my credit. I am willing to have automatic payments withdrawn from my checking account even though I have NO ownership of the mortgaged property. I have sent a letter to Fay expressing my interest in making me the primary borrower & requesting more account information to allow me the access to do this. I have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress