BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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 is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX. XXXXXXXX XXXX1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2015-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since XXXX XXXX. The mortgage has never had any escrow, and on XXXX XXXX, XXXX, I received a notice that an escrow amount was to be added to my payment, in the amount of {$150.00} to cover some projected shortage of {$1800.00}. There was no explanation of where this " shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on XXXX/XXXX/XXXX and stated my concerns about the escrow addition, and I requested confirmation that my issue had been heard and was addressed. I heard NO RESPONSE from Capital One 360, until I looked at my account on XXXX/XXXX/XXXX and saw no change. I then made another call on XXXX/XXXX/XXXX and faxed additional information ( on XXXX taxes ). In a conversation with XXXX at Capital One 360 on XXXX/XXXX/XXXX, I am now told that a force-placed insurance policy was purchased for the property in XXXX for over {$2700.00}, and that when I faxed in proof of insurance back then, a credit of {$1100.00} was provided. I have that letter from ING Direct. Please know that my XXXX insurance premium for this property is around {$900.00} per year, so even this purported " credit '' of {$1100.00} exceeds a reasonable annual premium amount. And they are still looking for nearly {$XXXX} to be repaid for their force-placed insurance policy in XXXX that was XXXX times ( XXXX ) the amount of a XXXX policy. I do not believe that I should owe anything further to this lender since it is clear that there was an attempt to gouge me as borrower. After I noted my intention to file a complaint with the CFPB, my call on XXXX/XXXX/XXXX was escalated to XXXX, who indicated that their force-placed insurance policies can be priced up to XXXX a reasonable policy premium. I do n't agree that this is an acceptable way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have a right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX  U S DEPT OF ED/XXXX {$1000.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$2300.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXXAccount # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$3900.00} -Account # 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 Inquiries : XXXX XXXXL Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX. 

In XXXX I had an account wth XXXX XXXX  ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full. 

On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me. 

After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
XXXX/XXXX/XXXX I have a maturing ( XXXX/XXXX/XXXX ) JUMBO CD @ CIT online bank. I sent them 2 letters XXXX XXXX, XXXX XXXX w/instructions to wire the $ in full to my credit union as I have done previously at least XXXX w/other CD accounts there, I also faxed a letter w/their form and made several phone calls & e-mails to " make sure '' this would not roll over as I am dissatisified w/ this bank for many more reasons ... today I was " grilled '' by XXXX from CIT bank, security questions about my existance from 40 years ago ( XXXX )! plus, too many of them all different questions from when I originally established this account ... I was told I may not get MY $ because a " 3rd. party entity, they refuse to identify has to check me '' ... I have more than COMPLIED, they say they never recieved the letters I sent & I keep getting conflicting/wrong info from them about where they are who is in charge, address ... .I want MY money OUT of CIT bank upon maturity ... they are abusive/security abuse, over kill, treat me like a criminal, change their " protochol '' and have caused me much duress & XXXX ... they wo n't even give you a paper/hard copy of your account info ... ..BAD BANK! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My niece forged a power of attorney and put me in the VA hospital based on my XXXX and forged a power of attorney, she had someone impersonate me and purchased a home in XXXX. The first mortgage company realized this, but she had a second mortgage and the company insisted it was my debt. They turned it over to Real Time Resolutions who have been hounding and threatening me about a debt when the person who forged the documents was investigated by the Michigan XXXX and the forgery was proven. Police reports were made but Real Time Resolutions still hounds me constantly about this debt that is n't mine. The odd thing is the perpetrator lives in the home which is worth 5 times what Real Time Resolutions has hounded me for, they know who she is, and refuse to contact, sue her or repossess the property which is n't and was never mine to begin with. They are loud, make threats, are harassing, and violate the law. The odd thing is the original creditor knew it was fraud and offered to settle for {$2000.00} to get it off my credit record. I turned them down because it is n't my debt and it 's a secured loan on a property both the original lender and Real time Resolutions refuse to foreclose on. Real Time Resolutions continues to threaten and harass and even called asking me personal information that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
This is a follow up to complaint # XXXX. I contacted the company numerous times. No one answers my call, and no one returns my message. I paid off my car and need my title returned with release of lien. Over 60 days has passed since paying off the car.

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 2016-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I opened a secured card with Capital One, with the benefit of knowing my credit line would increase after 5 months as stated on their website. I made my 5 payments. One payment was late, they reversed the late fee which made me believe the late payment was forgiven and should not be held against me. In XXXX or XXXX I submitted a payment on my due date, but Capital One did not process it until the next day. I met my obligation by making the payment on the due date Capital One chose not to accept it then and therefore making me ineligible for the credit line increase. Upon inquiring about the 5 monthly payments and credit increase I was told my account did not qualify because of the payments. Had the only late payment been in XXXX ( which had the late payment fee reversed ) my account would qualify for the credit line increase in 10 months not 5. This was never told to me or explained. Even the representatives with Capital One had to do research to provide explanation. Now I am stuck with a card that will not receive credit line increase because as stated in Capital One letter secured cards do not qualify for an unsecured credit line increase. This is like a bait and switch. Had these policies been explained in the beginning or even after the first payment this situation would be much different.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX repeatedly sent statements indicating a bill was unpaid. In fact, I had used my XXXX Visa card to pay and received an email receipt. I took several actions to relay to them the payment had been made. These actions included a phone call, where I was assured the problem was resolved. Upon receipt of another statement I sent them fax copies on XXXX dates of the payment receipt. 

Despite these actions they sent the issue to a debt collector. I have received XXXX letter from the debt collector and have responded in writing disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never open a business account with XXXX XXXX i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Reporting company used your report improperly

Complaint:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  # XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-03-11
Company: T.S. Holdings
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: Account information incorrect

Complaint:
This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of { {$6400.00} } with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Ability Recovery Services is negatively reporting on my credit profile. This account was included in a bankruptcy ( with the original creditor ). This account was illegally placed in collection AFTER everything was paid in full ( XX/XX/XXXX2016 ). This reporting tactic is demonstrating financial harm and presents legal grounds for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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