BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( XXXX ), I disputed the inaccurate info with XXXX  and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XX/XX/XXXX, XXXX stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XX/XX/XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as XXXX  has claimed. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with XXXX every month for the past 3-4 months with no response from the company or XXXX/Transunion  to get this inaccurate info removed off my file. No validation of this debt at all as XXXX has claimed. Transunion never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my XXXX and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and XXXX with no response or validation of this debt as XXXX claimed. Please remove this fraudulent account off my credit file. 

XX/XX/XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with XXXX  with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XX/XX/XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my XXXX   credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from XXXX  in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XX/XX/XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my XXXX credit file that is fraudulent and inaccurate. I have disputed multiple times with XXXX  with no response. Please remove this fraudulent account off my file thank you.

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 2019-11-11
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had three separate accounts, each for {$150.00} medical. Was sent to collections and became 2- {$150.00} accounts and 1- {$300.00} account. Original creditor paid in full by me on XX/XX/19 for {$450.00} and made aware of mistake of collections company. Collections company contacted by me the same day and made aware of pay off of accounts. 2- {$150.00} accounts have been removed but the wrongly billed {$300.00} still remains on collections record even after several additional calls to creditor and collections company affecting ability to secure a needed car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: AZ
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 kindly request that you update my credit report and remove the public record that is currently listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Mercedes Benz Financial Services
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned a leased XXXX XXXX XXXX vehicle to the XXXX XXXX dealership in XXXX, MA on XX/XX/2020. A few days later, I purchased a brand new XXXX using a loan from MBFS. 
This is not the first time I have leased on purchased a MB vehicle. I have done so at least on 10 different occasions with the same dealership. Each time I return a vehicle, a technician examines it while I wait. they then give me an immediate report on any excess wear and tear using a " credit card '' test. If a physical damage is greater than the size of a credit card, you are charged. If not, it is waived. Generally, even if the damage is greater it is waived if you purchase or lease a new vehicle, which I did. 
When I returned the leased vehicle, a technician looked it over and said it was fine. There was no wear and tear according to him. 
I was surprised when a few weeks later I received a bill for approximately {$3500.00} claiming excessive wear and tear, a vehicle return fee of {$500.00} and excess mileage. I disputed all three. The lease agreement waives the return fee upon the purchase of a new vehicle. The mileage was extended on a prorata basis for two months when I couldn't return the car safely during COVID, and this was acknowledged in a recoded call with MBFS. I have asked for the recording. I disputed the charges in a letter to their TX office. Further, I request they communicate only in writing. They continued to call and I firmly and politely asked them to respond in writing. Without admitting any mistakes they appear to have taken off the mileage and the vehicle return fee but have not credited " excess wear and tear '' which the technician had confirmed did not exist. They have now sent me a collection notice and threatened to report me to the Bureaus as a write off. My score is XXXX. I believe that MBFS is engaged in extortion. They are abusing their reporting power to the bureaus to extort me into paying a non existent charge since fee income beyond interest is sustaining many financial organizations in a low rate environment. Please use your resources to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: OK
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:
I submitted a previous complaint COMPLAINT ID XXXX They did not fix the root issue 1. They can not verify me 2. They can not or will not provide a credit score 3. They charged me {$19.00} fee multiple times 4. They sent a paper copy of my report with no score ... 
5. Their operators send me to a survey recording that hangs up - forcing me to recall. 

They did not answer the questions and issues I have ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I refinanced my mortgage loan with TCF Bank. In XXXX TCF sold my loan to XXXX ( XXXX XXXX XXXX ). When I received loan documents from XXXX  a ( redacted ) trust affiliated with XXXX XXXX  was listed as lien holder. After TCF Bank sold loan XXXX or XXXX changed my monthly payment. They also changed my loan from non-escrow to escrow. On XX/XX/2020 I requested original loan documents from TCF Bank and was told they were sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: UT
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:
I had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

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 2018-07-16
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from Pinnacle Recovery in XX/XX/2018 for XXXX. The debt was from timeshare maintenance dues for XXXX XXXX  that I had not paid. When I received the bill, I logged into the account per the instructions on the Pinnacle bill. I set up a payment plan and the debt was paid in full within 3 months. At the end of XXXX I received a call ( about a day or so after the debt had been paid in full ) from a Pinnacle representative. He said that I still owed " around {$150.00} or {$160.00} something '' and that if I didn't pay right then over the phone, I would remain in collections. I asked to speak with a supervisor who sounded like the same person. He told me to pay it now over the phone and then hung up on me when I asked him to please explain why I still owed them money. I called XXXX to get help from them and the representative told me that Pinnacle had the account and until it was paid in full, they would not be able to get the account back. I have to work it out with them. I explained to the representative at XXXX that no one was able to tell me the exact amount I owed or why and she told me she was sorry, she was unable to help me. I received another bill from Pinnacle for {$130.00} on XX/XX/2018. I logged into the account and paid it in full that day. I received a call from Pinnacle right after it was paid. They did not leave a message but I recognized the number as I now have it saved in my phone. Every day since I have paid the debt in full I have attempted to log into my Pinnacle account to see if there is anything else I owe. Since XX/XX/2018 when I enter my account number it now says the account number is invalid. I received an email from Pinnacle on XX/XX/2018 stating that the account was paid in full. XXXX XXXX XX/XX/2018 ) I received another message from Pinnacle that they are attempting to collect a debt from me. I attempted to log into my account on the Pinnacle website to see if the account had been reopened with another amount and it still tells me the account is invalid. I imagine I will get another bill months later for some other amount. I refuse to pay over the phone because of the many scams out there and every representative I speak with gives me a different approximate amount. I am unable to get out of collections with this company because they keep asking me for more money every time I pay the bill in full. I am unable to pay anything to XXXX because Pinnacle holds the account. Please let me know how I can get this bill out of collections. My parents are also now getting harassing phone calls from Pinnacle. I am not even sure how they got their phone number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not make a payment online for my mortgage with Freedom Mortgage. It continues to happen month after month. After I log into my account, a pop up shows up and says I qualify for a lower rate and says I can either call to find out more about it or " Continue to My Account. '' Every time I click " continue to my account '' it recycles the page and pops up the window again without letting me have access to the online payment. Therefore I am not able to make my payment online unless I try over and over and over again. This month, I have not been able to get past the gauntlet. It has prevented me from making my payment on multiple occasions. I've tried calling the number on the pop up to tell them what is happening, but the phone number only connects to the refinance department and they transferred me to another number that disconnected. This happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am trying to make my payment on time but can not access the online payment option that is advertised by Freedom Mortgage. I am attaching a copy of the image that pops up repeatedly online when I log into my account.

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 2017-08-10
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.

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 2020-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They have not called or emailed me I reached out to them to let them know that the car was involved in accident

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 2020-05-27
Company: The CBE Group, Inc.
State: UT
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:
CBE Group : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - CBE Group keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: MIDFIRST BANK
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA insured Mortgage Loan serviced by Midland Mortgage, of Midfirst Bank. I went online to pay my " on time '' payment for XX/XX/2020, I am current and have not missed a payment in over 8 years or more. When I logged into their site my account had been entered into some program of theirs ... they " Midland '' applied. I did not sign up for anything nor was I asked or prompted about signing up to any programs at Midland. I called Midland Mortgage at the regular 800 number for customers to enquire about my account and situation. I was informed I was contacting a debt collector about a loan and any information provided is for the collection of that debt,,, a recording? I'm not in collections, or in arrears of any kind. The agent at Midland claimed I was. The agent was very protective, and playing games, being a smart aleck. I asked how I got into this collections program and he told me I had signed up for it in XX/XX/2020. I pressed him how this was possible and he changed his story ; he now claimed the " system '' did it, signed me up automatically. Without my permission or consent, because I was late on payments? He said that's right, it did it to every loan holder automatically. I challenged this claim by him and he got defensive and argumentative forcing me to ask for a supervisor, he had no intention of helping me and wanted to pick a fight instead ... I'm XXXX and XXXX, I told him this upfront. I had to have my wife finish the call for me with the supervisor, the agent at Midland caused my condition to escalate requiring medication ... he was that bilerant and unhelpful, taking advanatge of me and my condition. 

The supervisor told my wife the company would take me out of the program and send me a letter that I am not in collections and was removed, that my credit rating would not be affected by any of these moves initiated on my account by Midland.. 

We received no such letter and were once again bullied by the Loan Servicers agents, taking advantage of physical weaknesses exactly what " bullies '' do to people, cowardly acts of taking advantage of others using their illness against them as their tool? 

I was placed into collections by Midland Mortgage and entered automatically into their program without my consent or knowledge, I was not provided a heads up any warning, or any information about what they were doing or why. They promised to send a letter and failed. We made the phone call and stayed on it for a long time, we did not record our conversation.

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 2022-05-03
Company: Helbing Law Group
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am dealing with a company called Helbing Law Group ; my Client ID : XXXX.I have a contract of XXXX payments of XXXX per mo. Ending of payment contract states XX/XX/2023. To date they have not paid a single debit off. This came to my attention when I got my tax refund this year and asked for a payoff amount which they wanted XXXX to pay off my contract. This is almost double my contract payoff. I started digging into this more and found not even a single card has been paid off. I am still getting negative marks on my credit report and I just got a lien on my house from XXXX. I called and asked for my money back. They told me basically I would get XXXX back and nothing to show of the XXXX XXXX plus I have already paid them. Here is their information. Can I take them to small claims court? I have plenty of paperwork I can send on request. 
Helbing Law Group XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX Email : XXXX HelbingLawGroup.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 mailed money order to pay mortgage payment. Payment got lost in mail after investigating money order company refunded my money. I have sent all paperwork to ShellPoint explaining what happen and ask if they can remove XXXX late payment from credit report due to mail being lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Mandarich Law Group, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called the Mandarich Law Group New York, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX my original debt was for XXXX, and I offered XXXX he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on MondayXX/XX/XXXX. Also during the conversation Levy added on an extra cost of XXXX saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as Levy did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.

Company response to consumer: Closed with explanation