BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America notified me on XX/XX/XXXX of last year that they require I have valid FLOOD Insurance coverage for a detached garage on my property and permanent home residence. I produced the documentation proving the existence of flood insurance on my home, but the bank refuses to accept my current and valid flood insurance coverage provided through FEMA for the detached structure. This is a standard FEMA policy the bank should be familiar with. 

I and my insurance agency have both submitted proof of such coverage, but the bank has refused on 3 separate occasions and numerous phone calls to accept the documentation provided. Instead, they have bought flood insurance on my behalf at a higher price than I would obtain, and have charged my account with the cost of this duplicative insurance. Their policy has a premium of {$360.00} for {$18000.00} worth of coverage for the detached structure, already covered up to {$25000.00} under the insurance I purchased. 

The policy I purchased states on page 3 in the documentation ( which is standard FEMA SFIP Dwelling Form ) that attached structures are covered up to 10 % of the value of the main flood insurance coverage, this value being higher than the minimum demanded by the bank. Bank of America have refused to accept this documentation. 

The last effort involved my insurance agent calling the bank to assert the validity of the coverage in addition to sending them additional documentation, yet they just sent a new letter on XX/XX/XXXX,  again rejecting this coverage and refusing a refund. 

According to my agent, this is standard FEMA coverage policy the bank should already be familiar with, so I believe they are doing this in bad faith to squeeze more income from their customers. This has to stop. 

Bank of America 's initial notice was on XX/XX/XXXX, and we have been fighting this issue ever since to no avail. The last and most complete information about applicable coverage was sent to them around the XX/XX/XXXX from my agent 's office. I need your help desperately to fight this. The bank refuses to accept valid documents, so it seems I have no recourse but to seek help from your agency.

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 2018-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on 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 2018-01-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: HONOR FINANCE, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with HONOR FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and HONOR FIN with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.

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 2018-03-20
Company: Experian Information Solutions Inc.
State: TX
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:
Item is suppose to be removed from my credit report if I paid in full by a certain date. Which I paid in full before the date!

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 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX XXXX 2017 called card company to correct fraudulent mailing address on file. Card was cancelled, address corrected and new card mailed out. Two weeks later receive notice account is locked and to send documents to verify identity. Around XX/XX/XXXX taxes necessary documents. Still locked out of account a week later. Called 4 times and account is still locked. Given email to upload verif8cation documents and still have not had my account unlocked. Transferred and have waited up to 25 minutes on hold and given excuses the department is closed or because of snow or holiday I need to call back. Took 3 phone calls to get email address to upload documents. Now after 4th call no resolution. No explanations. I have a bank account and another credit card with company and no issues but I apparently can not be verified for same address that is on all accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date of medical service : XX/XX/2020 Location : XXXX XXXX XXXX XXXX XXXX, XXXX, GA Amount : {$640.00} Action taken by me : Patient balance of {$90.00} has been paid ; my insurance XXXX XXXX XXXX XXXX has paid {$1100.00} The unrecognised company The XXXX XXXX XXXX located in XXXX XXXX, Main, sent me an Invoice demanding me to pay extra {$640.00}. I wrote to them asking their relation with XXXX XXXX XXXX ; but no response! Finally, they sent my debt to collection agent I. C. System , Inc dropping my credit score by more than 34 points.

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 2019-07-19
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All collection accounts are more than 7 years. 
They keep revolving and never go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Montgomery County Credit Bureau
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All collection accounts are more than 7 years. 
They keep revolving and never go away.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Having trouble having items removed or notated correctly on all credit bureaus.

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX I started disputing in XXXX with XXXX and TransUnion concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted Transunion about A Ssn trace they did with out my permission. Transunion also added address Ive never lived. XXXX XXXX XXXX XXXX nc and also XXXX XXXX XXXX XXXX thats my mother in laws house I only have an id there because having a XXXX you have to switch immediately in order to get a job and I didnf have a utility bill yet so my XXXX has that address but Ive never lived there. XXXX the representative told me he couldnt help me or give me the number of the consumer relation group number. Transunion is still reporting information thats been deleted from other credit bureaus due to XXXX verification as stated from representative. 

XXXX XXXX has yet to provide a signature for said account Ive paid on account for my wife but never signed any documentation and they cant provide documentation they told me to go to the dealership. 

XXXX- cant provide documentation and cleary know its fraud but continue to report through XXXX XXXX as verified XXXX XXXX- admitted to account being paid to my seld and ohio attorney general off and fraudulently reporting through XXXX XXXX XXXX- passed state and federal statue of limitations and recalled debt. 

XXXX XXXX Ive never signed an order form with them to make an hard inquiry Please delete all address except XXXX statements and fraud alerts immediately

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 2022-01-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax refuses to remove a Fraud Alert from my credit account..Ive called multiple times and keep getting told to verify information. Once the the information is given they refuse to remove the fraud alert ... This is completely unacceptable and is XXXX XXXX on the part of Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My pandemic check went into bank on XX/XX/2020 and I was in the hospital when I called to check my checking balance it was all there. I then went to withdraw money and my account balance says its XXXX. I called TD bank to try and sort out the matter and they said my account is locked and nothing they can do even though they are the ones who locked my account. Ive reached out to 3 different branches and all the same thing they cant do nothing to help. So now that Im out of the hospital my fianc just gave birth and my bal is XXXX and cant get anything I need for my newborn they pretty much told me not there problem. I did however call there 1-800 number and got somewhat of an answer the gentleman told me he can see the money trail as it was wired to my routing number and my account number and said I should have been able to acess it right away and Im just a little stuck here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Conduent Incorporated
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
This is with my California XXXX XXXX  card. I had money deposited XX/XX/XXXX at about XXXX and by XXXX it had been used in rapid succession and emptied. I notified the company at XXXX ( all PST time ). I started a fraud dispute. I received a letter today saying I was in a deal with the merchant and they denied fraud. The card company said there is not one thing I can do case is closed. I asked to speak to someone regarding the investigation because its so obviously fraud and they told me I could not, no one that has a phone number. I was instructed to contact the merchant but there is no contact information for them. Not on the statement and they said they did not have it. But Im guessing they had to contact them to investigate and just wont share it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: GA
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:
HARD INQUIRIES FROM THE FOLLOWING COMPANIES ARE REPORTING ON MY CREDIT REPORT, AND I DON'T RECOGNIZE. PLEASE DELETE THE FOLLOWING ; 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: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
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:
I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: DE
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:
It has been well over 30 days since complaining about errors on all XXXX credit report for XXXX XXXX for inaccurate markers, as well as with XXXX XXXX in regards to XXXX that contains bills once removed and then readied from my deceased sister XXXX XXXX, and a former tenant XXXX XXXX, in a former rental property in PA, and information still remains on my report although inaccurate. In addition I was the victim of identity fraud and utility services were used by someone unknown. This has been a total nightmare and to have to deal with inaccurate credit as a result of this devastation, is a lot to handle. 

XXXX XXXX continues to report inaccurate info is still being reported even when I am current on my payments, and a paid of account as of XX/XX/2021. XXXX also without my authorization pulled my credit multiple times without my permission, causing inaccurate inquiries, lowering my score. 
I have requested for at least 5 months, sent in XX/XX/2021, to all three bureaus to remove inaccurate info, and they have not. Equifax in particular is non responsive to my credit error issues, after repetitive calls and and letters. Also complaints through XXXX parties such as subserved serviced with XXXX and XXXX XXXX sent disputes. Please assist me with getting these 2 item removed as it is hurting me in getting a home with this inaccurate information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle on XX/XX/XXXX from US Autosales. Because of my credit score I had to go to this dealership that clearly does predatory lending to poor people. I was approved for a vehicle totaling {$19000.00} for what I thought was a XXXX XXXX XXXX but its probably a XXXX. After putting a deposit of {$2100.00} my total to finance is {$17000.00} with a 23.30 %. Instead of my interest rate being a little over {$4000.00} which is what my calculator say Im being charged {$14000.00} in interest on a $ XXXX car. In total my car is {$34000.00} because of this illegally charged finance charge. I was also forced to purchase a service plan adding another {$1900.00} on my contract for a plan that does cover the car for my entire loan. I have called and spoke to multiple people about fixing my paperwork so that my payments can reflect correctly. This company also tell you that they have a tracking device on your car what they dont tell you is that this device shut your engine off so that you cant start your car it doesnt matter when you are which wasnt explained to me when I purchased or signed for this vehicle. I would like to start a class action lawsuit against this company. I should have read the reviews before purchasing because theyre bad. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX, XXXX, at approximately XXXX XXXX called Equifax about a charge appearing twice on my credit report. I asked the agent where he was located and he told me the XXXX. I asked to speak with someone in the United States because frankly, I do n't understand how this company is allowed to still operate, let alone offshore. I was told I was being transferred to a U. S. agent, but I was on the line for over 20 minutes with just music playing. No one or no recording letting me know I had even been connected was available to me.

Company response to consumer: Closed with explanation