BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Mid-Atlantic Finance Co., Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I bought a car from a buy here pay here place in XXXX Ky. The dealership sold the loan to Mid Atlantic Finance in XXXX Florida. I was contacted and told the agent at the time, that the payment is due on the XXXX of each month, but not past due until the XXXX. I told them not to contact me unless the payment is past due and they agreed. 

They contacted me as a " Courtesy Call, '' on the XXXX to let me know the bill was going to be due on the XXXX. I told them not to do that again. 

They contacted me the next time on the XXXX, and told me the bill was late, and if I didn't pay I would be charged extra fees and my credit would be affected. I bought the vehicle at a buy-here because I am going through bankruptcy at the moment and needed a vehicle to replace one I lost from voluntary repossession. I again told them to not contact me at all. 

So the next month, they called my WIFE and demanded that she tell me to make my payment, on the XXXX. Then they contacted her on the XXXX. Again, I called and told them to no longer call me, at all, period. I followed this with an email. 

They just contacted me again, on the due date, not the late date, to demand I pay. Against my wishes. 

Since I have had this nightmare of a company, they have harassed me, and my family, each month with no cause, no reason, and in direct violation of my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: PA
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:
This letter concerns the following account : XXXX XXXX XXXX XXXX XXXX with account number XXXX I disputed the referenced account above on XX/XX/2022 The credit report of XX/XX/2022 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 
Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I have received no such notification. This is a serious violation of the FCRA

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 2022-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.

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 2021-01-07
Company: Consumer Adjustment Company Incorporated
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:
A company named Consumer Adjustment Company placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with Consumer Adjustment Co. or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

XXXX did not make any changes to my credit report. They said Consumer Adjustment Co. said it was accurate information. The reviews by XXXX and XXXX are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Joint account holder at XXXX XXXX XXXX XXXX Made a check out for XXXX to Bank of America XXXX : A A. B of A contacted, myself : XXXX G as a joint account holder of issued check. Reached out, per high quantity check, to see if it was valid, if we wanted it to go through. I said, I did not want it to go through, per B of A client, A A, previously having scammed XXXX my father. ( She needed help with funds, so was selling a truck, for XXXX. My father agreed to buy the truck. After he had paid his contribution, AA claimed they stole the truck and took it to XXXX. ) Hold was placed on releasing funds, per B of A connecting with MG ( Self ) sharing it was a scam, and to not release funds. ( AA had made XXXX believe, she had acquired a lawyer, to retrieve the funds from the " stolen '' truck Except, lawyer needed to be paid in advance {$15000.00}. (!!! ) XXXX, bought the story, check was written ) ) They recommended, I place a stop payment on check. I placed a stop payment, via XXXX ( issuer of check ) was charged a fee. Days later, I found out stop payment, did not go through, per funds already being at B of A Even though, B of A still had ( and still has ) those funds. 
B of A, decided not to release funds to their client, AA per lack of Trust. 
B of A had requested we get XXXX to XXXX funds. According to them, they can not give funds back directly to XXXX, it would have to go back, to the establishment : XXXX. 
So have XXXX : Recall the funds ( We've revisited B of A a number of times, they've shared they don't get why XXXX doesn't attempt to help us. ) XXXX, as of yet, has no forms that fit our scenario, since it was not fraud. They've connected with their Back office, XXXX has claimed ( XXXX XXXX time again, per various check, ins ) They can not recall our funds, because they don't have a claim form to do so. Apparently, thus far, they can't just make a new form, and we don't fit the other claim forms, criteria. So XXXX says it can not ask for our funds back per not having a form, that fits our situation. 
B of A has not released funds to client, nor to us, as the payee ( XXXX ). Yet, had shared, they'd like to help us, but funds " need to go back, via XXXX as the establishment '', so, theoretically, needs XXXX to Recall the funds. 

XXXX is unable to recall funds, per it not falling under fraudulent activity. 

We've lost touch, with the b of A client - recipient of check. ... The issuing of check was XX/XX/2022 XX/XX/2022 we were issued a stop payment fee ( Yet funds were not stopped. ) We need help, retrieving our {$15000.00} it's been over a year, without access to these funds. XXXX We are filing this complaint, requesting B of A release our hard earned funds, to us the XXXX. 
We've been without these funds for over a year and it has impacted us. 
Hoping to move forward, feeling supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am one of those millions of people who was in Forbearance during Covid 19 struggling to meet ends therefore, I have an outstanding balance of $ XXXX On XX/XX/XXXX, XXXX XXXX ( original lender ) approved the loan modification to reduce my interest rate from XXXX to XXXX. I resume my mortgage payment on XXXX, XXXX with XXXX XXXX XXXX XXXX XXXX I received a letter advising me to approve the loan modification I have to meet the trial period plan. During that time, the services was transferred to XXXX XXXX XXXX and they are the one that collecting payment from me. I met the trial period and they send me the paperwork to sign with prepaid XXXX envelope. Then, late of XXXX XXXX, I received a letter from XXXX XXXX advising me that my services will be transferred to RightPath Services/Nationstar Mortgage . XXXX XXXX XXXX advises me that nothing will be change and that my interest rate will stay at XXXX percent. Rightpath Servicing rejected the modification loan XXXX and escalated it XXXX while collecting my mortgage payment. The person in charged of my modification refused to accept my mortgage payment for XXXX. He can no longer accept payment he said, since my modification is rejected. They mishandled this process from the first time they took over the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have unatuthorize inquirities on my XXXX credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my XXXX and transunion credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. XXXX has 2 unauthorized inquiries, from office depot XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. Transunion 5 unauthorized inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit 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 2021-01-07
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are requesting your assistance in obtaining our refund from Dovenmuehle Mortgage Inc. ( MI ) of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

Complaint : Dovenmuehle MI failed to comply with our request for refund of excess funds due back to us after closure of our mortgage loan with them. 

Background : In XX/XX/XXXX, we refinanced our VA guaranteed mortgage loan with Dovenmuehle MI ( loan # _____ ) to another mortgage company. 

On XXXX XX/XX/XXXX, we received a letter ( ID ____ ) from Dovenmuehle MI dated XXXX XX/XX/XXXX ( as attached ) stating that a refund check number ____ in the amount of $ XXXX dated XXXX XX/XX/XXXX is unclaimed. To claim this property per direction in the letter, we signed the bottom part of the letter, scanned, and immediately emailed to stated emailed address on XXXX XX/XX/XXXX. 

We emailed Dovenmuehle MI but without any response and called at least six ( 6 ) different times since we received their letter, but gave us run around to include someone to call us back, and lately, that they will cut a check which we should receive within 10 business days. Well that was over a month ago but did not receive any check or communication from Dovenmuehle MI. Dovenmuehle MI themselves have violated their own written promise in their letter, A new check will be issued and mailed within 10 business days of receipt of this properly signed document. 

Unpaid refunds after several years past the closure of any mortgage loan account is way overdue, unacceptable, and it should not be tolerated. We seriously question this practice of Dovenmuehle MI to remain in this Veterans Administration controlled mortgage program catered for veterans including myself. I hoped that fellow veterans and others will not experience the same heartbreaking issue with Dovenmuehle MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have many accounts on my credit report from unknown companies. I need these removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a debt collection notice from CBE group, ( XXXX XXXX XXXX, XXXX XXXX, IA XXXX ) regarding a debt with XXXX aka : XXXX XXXX, for the amount of {$2100.00} and regarded an account number : XXXX and a CS Number : XXXX, Reference number : XXXX. I've never had a XXXX account. I wrote to dispute the debt to no avail. I then called and spoke with one of the representatives at CBE group. During the course of that call it soon transpired that I must have been the victim of identity theft because of the address of the account in question was certainly not mine but the thing was that whoever perpetrated this gained access to my social security number. I've filled alerts with all the appropriate agencies but was advised to file one here as well to help remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 fraud. My report has incorrect addresses and accounts that do not belong to me.

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 2023-01-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Wrong information they are not showing all my loans and as of that showing wrong credit score... They don't have my XXXX XXXX pickup loan on there # XXXX opened XX/XX/XXXX for {$10000.00}. Current owed {$5500.00} 100 % payment history, XXXX XXXX XXXX  of mn. XXXX XXXX XXXX XXXX XXXX MN XXXX... Phone number 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 2020-06-03
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company located in XXXX, Texas by the name of Collectech has been notified that the accounts they have listed under my name are not in fact mine, they have continued to report the accounts to credit bureaus even with the report number I have given them from CFPB. I called to see what could be done about the accounts since for years now I have tried diligently to prove these accounts are not mine and have tried to get them removed from my credit. I felt the only way out of the debt being reported would be to pay these items even though they do not belong to me. I called and spoke with a lady at Collectech today, I advised her that one of the two accounts is still showing on my credit and that I needed to see what could be done to remove the item from my credit and clear my name from their system. She proceeded to ask me verifying information, I gave her the account number to the collection I was referring to totaling {$530.00} ; the rep then informed me that there was another account and that I needed to pay them both, I told her that I would make arrangements on that one at a later time but explained that I was a victim of fraud and that neither account was mine so I was doing my due diligence to resolve one of the two accounts at the time. The lady then threatened me by saying she would put them on my credit all over again if I did not furnish a police report and that she would not make an arrangement on one bill but she would make an arrangement on both. I advised it is illegal to threaten to report to the credit bureau an account that has been proven not to be mine and advised I will not pay anything and hung up. ( the rep kept saying the debt was under the name XXXX XXXX which is not my name- i believe this debt was incurred by a girlfriend of my ex husbands- several accounts were opened with my information by my ex husband and his girlfriend to try to damage my credit )

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been several attempts to delete misleading, fraudulent, inaccurate, and incomplete information on my credit reports. The credit reporting companies have refused to properly investigate and delete requested information from my report. Please help, this is a violation of consumer protection of privacy under FCRA.

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