BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Shellpoint Loan Servicing dated XX/XX/XXXX indicating my lender placed HAZARD insurance will be expiring. I called and spoke to XXXX XXXX from the Shellpoint Loan Servicing 's Insurance department, her email ends with pfic.com so I assume she works for a vendor named proctor loan protector. She indicated they did not have proof of hazard insurance FOR XXXX XXXX XXXX. I emailed her the proof of hazard insurance purchased by the condo association for the past 2 years. The letter I received does not indicate what type of HAZARD insurance that is going to expire. In XXXX of XXXX, lender placed insurance was purchased by the servicer for something called " XXXX '' insurance, covering the inside of the structure, at the rate of {$24.00} annually ( see attachment ). There are 2 types of HAZARD insurance, General hazard covering the structure and XXXX covering the interior. I explained that the letter received does not explain what type of insurance is going to expire yet indicates a cost of {$2200.00}, approximately 92 times the rate one year ago. She insisted the new coverage rate is for XXXX insurance but ignored that she stated they didn't have record of the general hazard insurance until I called. She said the only insurance being placed is for XXXX insurance so the quote is for that type of insurance. I specifically requested they provide a document to explain exactly what type of insurance is being placed/purchased, she refused and stated the letters sent are written by the CFPB. I seriously doubt this. I requested the policy that would be purchased on my behalf as well. Again, she said it would be for XXXX insurance, but will not be providing proof of that. I tried to explain that since there was no evidence of the general hazard insurance in their records ( since I had to provide that while on the phone ) that it could be possible this very inflated rate for XXXX insurance could be a mistake. She refused to accept that and shuffled me off of the call. My complaint is in 2 parts. First, the letter indicating a need for proof of insurance should be clear what type of insurance is being required. Second, the premium for the amount of coverage provided should not go up from {$25.00} to {$2200.00}. I don't have anything in the interior of my home that increased in value here, yet they provide no explanation for the increase.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: FL
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:
Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by Equifax and XXXX XXXX XXXX XXXX report a balance of XXXX then in a second letter they are reporting to equifax and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and Equifax must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX is blocking me from enabling external applications. I want access to enable such applications.

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 2020-03-25
Company: Experian Information Solutions Inc.
State: FL
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX Bankruptcy Chapter XXXX- discharged 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 2022-09-02
Company: Unifin Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
ON  X/XX/2017    I WENT INTO INSTALOAN TO TAKE A LOAN OUT USING MY CAR. I WAS NOT TOLD THAT MY RATE WOULD BE AT 65.1994 PERCENT. I DID NOT EVEN GIVEN PAPERWORK UNTIL  X/XX/2017    REGARDING ANY INFORMATION ON MY LOAN OR RATES. I HAVE TRIED TO TALK TO THEM ABOUT IT AND THEY WILL NOT GIVE ME ANY INFORMATION AND MY PAYMENTS I HAVE MADE IS NOT EVEN HELPING MY LOAN KEEPS GOING UP. I WAS IN THE HOSPITAL WHEN PAYMENT WAS DUE I CALLED AND SPOKE WITH A MANAGER WHOM TOLD ME THAT MAKING MY PAYMENT LATE WOULD NOT HURT ME DO BEING BEING IN ICU. WHEN I WENT IN THAT IS WHEN I FOUND OUT THEY CHARGED ME MORE AND WHAT MY RATE WAS AT 65.1994 PERCENT. I DO NOT THINK THAT THIS IS LEGAL AND WOULD LIKE ANSWERS HOW TO HAVE THIS CHANGED. ALSO LIKE TO ADD THEY MADE ME BACK DATE AND SIGN PAPERWORK WHEN I WENT IN ON  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Velocity Portfolio Group
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a continuation of a resolved issue. I have recently resolved an issue with  Velocity I nvestments, they closed a case against me that should not have been brought in the first place. They issued a judgment against me. As they have closed the case and have sent a dispute letter acknowledging the closure of this case, I would like them to issue a Praecipe of Satisfaction to remove this from my credit report. Because of them I have had this on my credit report for more than 10 years. I have been in contact with a company representative who stated that he would in fact help get this document produced by the attorney and have it submitted to the  Prothonotary, how ever it has been almost a month and this has not happened. Thus, this continues to be reported in error against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Skrill USA, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
So one Ive never open account with you so Im victim of identity theft and clearly I dont know how to reach you personally but I want this account closed this wasnt authorized by the original XXXX XXXX someone using my personal information to open account and this includes this one and making purchases through my bank card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.

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 2015-07-24
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I used to have a pre-paid XXXX account, consisting of top up cards. There was never actual XXXX in contact with me. The claims of my current balance with there collection agency are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: DISCOVER BANK
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
This is a follow up to case number XXXX. The company responded with a request for more time to investigate the issue due to the complexity of the nature. My complaint was submitted over six months ago, and I have not yet received any response. The company claimed I had no credit history, though I had a revolving account in good standing established with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX FST PREMIER 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 2020-03-25
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1500.00}. This account should not have been placed on my report by National Credit Adjusters because the Circuit Court of XXXX XXXX, Missouri judged in my favor and NCA agreed that debts held by them were to be canceled and that they were to cease and desist with all further collection activities. They have violated a court order by attempting to collect this debt and I would like this account to be removed from my credit report. 

Also this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also this debt was reported to each credit bureau by NCA 3 different times in a 5 week period. I have included the court order/judgement with this  correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: C B Merchant Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received a phone call from this Debt collector claiming that I have and outstanding debt, I received the same calls from a different last year, but with different phone numbers, on XX/XX/XXXX, The first message I received on my Landline, The message said this was for me, and the person leaving the message did not Identify where he was calling from, he left a message saying : We would love to bring your account current. Take advantage of the Clients 50 % your balance today. This message was received on XX/XX/XXXX @ XXXX and XXXX XXXX. The other messages were left on my Cell phone, It was a Lady calling from CB MERCHANT SERVICES. She didn't say who she was asking for. Just left a message this is from a Debt Collector, and to call XXXX or XXXX. How do I know if the person calling me is same person from the Debt collect she saying she's calling from. This is HARRASSMENT! I want this to stop. I don't have any outstanding debt. I haven't received any letters, so I know this is a SCAM I will not contact them. Why are they contacting me again after a year?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX mobile cell account that I discontinued and so called breached NOW over 7 years in AGE in XXXX ... ... .XXXX  sold this account to Enhanced Recovery Company of XXXX Florida when I found a Negative report on my XXXX credit report ... .. 
this account is Over 7 years from discontinuation For CAUSE XXXX This debt collector Enhanced Recovery Company Wrongfully reports and dates account XX/XX/XXXX and NOT exceeding the 7 year limitation of XXXX I called ENHANCED RECOVERY who purchased this Factored account from XXXX Cell Phone Company and refused to delete this over 7 year reporting on my XXXX  Credit Report ... ... .My relief and remedy prior to contacting your Agency or going to Florida Court against XXXX and XXXX  was for Enhanced Recovery to attest and remove the reporting of collections against me OVER 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 did not give permission to this company to pull my credit.I have not submitted application with this company since 2017 when I originally obtained my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have sent letter to Transunion over 6 times requesting that they send me proof of verification of Late payments from the DPT EDXXXX with account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. File number XXXX from my investigation results that I received on XX/XX/2022 from Transunion did NOT include proof of VALIDATION. It is the credit bureaus responsibility to ensure accuracy on my consumer profile, this grounds for removal of late payments. Transunion has violated my rights under the 15 USC 1681 section 602a which clearly states 1. I have the right to privacy they have also violated 15 USC 1681 604a section 2 that states a consumer reporting agency CAN NOT furnish any account on my consumer report with out my written consent, I did not consent to anything being reported on my consumer 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ECMC for committing identity theft. I have never given ECMC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant 15 USC 1692c ( c ). I am demanding a cease a desist of all illegal activity, any communication and collection activity of this and any alleged debts until ECMC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced with the original instrument and not a promissory note and ECMC continues its collection efforts, I will file for litigation for actual damages caused and ECMC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Note : The original creditor XXXX Rhode Island XXXX XXXX charged this debt off and canceled it with a 1099-c and I filed my income taxes and filed this as earned income. Earned income shouldn't report on my consumer report. 

I never had a trilateral contract with ECMC. I only had an agreement with XXXX. 

I have documentary evidence ECMC practices & commits unlawful racketeering activity pursuant to 18 U.S. Code 1961racketeering activity means any act or threat involving extortion, dealing in obscene matter. 
Furnishing 2 collection to my consumer report that has not been validated as a means of coercing me to pay an alleged debt is a violation of 15 U.S. Code 1692d ( 4 ) and I reported ECMC to the FTC for debt parking. 

I DEMAND ECMC to delete both accounts ( below ) and have XXXX, XXXX and XXXX DELETE both accounts immediately or I will sue them for breaking my federally protected rights as a consumer. 

DELETE ECMC | Account # : XXXX | Balance : {$6400.00}. 
ECMC | Account # : XXXX | XXXX : {$10000.00}

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 2022-04-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Account Name : Unknow Account No : XXXX Account Balance : {$450.00} Also Showing duplicated XXXX times on credit file. 

Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX DEPT OF ED/XXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT EDXXXX, # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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