BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX against me in XXXX. Filed bankruptcy in XXXX all debt was discharged. My employer received an income garnishment request last week. My attorney informed the collection company and my employer of discharge and the company is refusing or not communicating that the garnishment by law has to be released but has instead threatened to make My employer liable if they do not collect the money previously owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
CapitalOne has baited me with the offer of {$300.00} cash back if I spend {$500.00} in 90 days with a credit card 3 times. Each time I apply for this card they deny me, which hurts my credit rating, and then in the denial letter make me a lesser offer with another card. No cash back but zero percent for a certain time period. This is a classic bait and switch operation. In the mean time, since my credit is very good I opened credit cards with several other banks because of their cash offers. My credit is very good and they should have made good on their offer. I have fallen for this bait and switch offer 3 times and they deny me the bait card and offer me the lesser switch card after the denial. I want to see them fined and I want them to stop using this practice. If they are going to offer it they should make good on their offer. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a phone call from The Law Office of Quinn M Kofford about medical debt that I allegedly owed. During that phone call, I was not once informed or told that I had a right to request validation of the debt and was threatened to be sued and garnished of up to 25 % of my wages. 

On XX/XX/XXXX I mailed a request of debt validation to them and was responded to with a court summons served to me only 10 days later. 
I wasnt provided with any form validation that I owed this debt. 
I was then mailed papers that they claim is validation of debt. These papers contained medical bills but no actual proof or reasoning that these bills were mine. There was one paper that did have a signature on it, but that signature was not mine.

During this time the collector continued to call me even though I had initiated a dispute with them and the credit reporting agency, in turn violating one of my consumer rights. 

I then had to file a motion to set aside judgement to the court and was granted the motion. 

The law office has still not provided me with any proof that this is my debt, or that the claims were submitted to my insurance if they are mine. 

They have violated many of my rights as a consumer and are actively trying to sue and collect on a debt THAT IS NOT MINE! 

This company is predatory and they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Although Citi has now lifted the security hold on my account, they are still fraudulently holding my funds without my permission. Ive made multiple attempts to wire the balance in my checking account to my other account with XXXX. They claim that they can not complete the wire because they have to call me to confirm the wiring instructions, but their automated dialing system cant call my number because its not associated with a public record. This makes XXXX sense. They were happy to take my money but are now refusing to release it. They are in violation of XXXX. I am closing on my new home on XX/XX/XXXX and am in jeopardy of losing my new house and {$5000.00} in XXXX money if they dont complete the wire that Ive instructed them to. Id love to do a simple transfer instead, but they only allow XXXX in transfers every 30 days and this transaction is over XXXX. I spent hours on the phone again yesterday and today trying to get this resolved. They wont accept my authorization over the phone and insist they have to call me to verify the wire, even though they know full well that their system cant make the outbound call. They refuse to manually dial my number like a reasonable human would do in this scenario.

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 2017-05-18
Company: NATIONS DIRECT MORTGAGE, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a payment via negotiable instr ument ( p romissory note ) which is legal tender according to th e 1912 Hague treaty and the U.C.C. laws of the United States. To Nations Direct Mortgage/  XXXX  for full payment of mortgage on my propery. This institution accepted and received payment which is acknowledged in the letter that I have attached from them in this complaint. They were at that time only asking for the intrest that accrued from the time of reciept of instrument to when they recieved payment from Treasur y Dept.  That letter was also responded to and another negotiable instrument was issued to cover that amount.  Nations Direct  Mortgage is in violation of the terms of the note. They did not notify me that they recieved it within the 3 day period alotted by law. Aft er three  days, law states that the prommissory note is accepted. And the debt in question should have been released. This institution is still trying to collect on a paid debt. They have no more claim to  XXXX   XXXX   XXXX   . Th ey are to cease all collection action and release the lean on the propery. For your reference I have attached copies of the notes sent with all quoted  U.C.C. la ws on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was unaware that the security deposit was what I needed to activate card and would like my  XXXX  dollars refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THE INFORMATION PRESENT ON MY CREDIT REPORT HAS NOT BE APPROVED OF VERIFIED BY ME In accordance with the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 section 602 A STATES : YOU NEED TO PROTECT MY PRIVACY.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : STATES : I NEED TO PROVIDE WRITTEN INSTRUCTIONS ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  Account name : 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse it
em of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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:
I previously submitted dispute to Experian and they failed to comply with my request. The personal demographics on my profile are inaccurate. 

My rights have been violated. Per the FCRA my report should 100 % accurate. The only address that should be on my profile under my ssn is : XXXX XXXX XXXX XXXX XXXX, PA XXXX My one and only legal name is XXXX XXXX XXXX The only DOB should be XXXX There should be no other addresses, names or deviatiations. 

Instead of removing the inaccurate addresses, incorrect names and DOB Experian opted to place a fraud freeze on my profile. I did not ask for that. I asked for the incorrect addressed to be removed I attached a screenshot of my lease, copy of PA change of address dated XXXX To assist with your confusion here is the incorrect information on my profile : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Sensible Auto Lending, LLC
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:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe  Caliber Home Loans an d its agent   XXXX   have acted in violation of the  Right to Privacy Actor of 1974 in its a ttempt to access details about my retirement fund that they could potentially use in my recent loan modification application. In a letter sent to my retirement fund dated    XX/XX/XXXX    , Caliber Home Loans Qu ality Control Program/ XXXX  stated that they were conducting a " random audit '' and requested that information about my retirement fund be verified. The timing of this audit is highly suspicious, as it coincides with my loan modification application that is currently in process and under review. The suspicious nature of their conduct is compounded by the obvious errors and omissions in the documents they sent to my retirement fund. Namely, the consent form Caliber/ XXXX  attached to their request was dated    XX/XX/XXXX   , the date when I first purchased my home. In a letter to  Caliber Home Loan s dated    XX/XX/XXXX   , my retirement fund denied their request and advised them that the authorization form was outdated, and they had not provided my social security number or retirement fund account number on their request. I believe that the above mentioned actions on the part of  Caliber Home Loans  and its agent  XXXX  were an illegal attempt to gain personal information protected under law and moreover, that their ac tions may b e an unlawful attempt to gain additional information about my finances that could be factored into their decision regarding my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: EQUIFAX, INC.
State: CA
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:
In  XXXX  I had a fraudulent account appear on my credit from a company named   XXXX   XXXX   XXXX  . I immediately contacted the police and filed an Identity Theft report.  XXXX  Police Report #  XXXX  The account was removed from all  XXXX  bureaus, however the count was reinserted to my Equifax file in  XXXX   XXXX . I was told by  XXXX   ( Equifax Rep ) th at i needed to file a new police report because Equifax only keeps their information for 2 years and that  XXXX   XXXX  issued the account on my credit under a new account number. I filed a new police report and the account was removed.  XXXX  Police Report #  XXXX  Today the account has reappeared on my Equifax credit report for  a 3rd tim e and issued again under a totally different account number than the p revious two tim es!!! This is so frustrating Equifax knows the account is fraudulent and it should be blocked from appearing on my credit. I am also going to file a complaint with the Department of Justice because   XXXX   XXXX   XXXX   XXXX  is playing games .... they keep changing the account number and the month and year the account was supposedly opened in order to place it on my credit. I disputed the account online with Equifax and called once i got on my lunch break and the lady told me i never should have disputed it online if i was going to call in ...  XXXX  she said it is nothing she can do at this time.     Equifax file number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to Transunion, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my 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 2017-05-18
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have  NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company (  XXXX   XXXX  ) I have never heard of or lived at. I tried disputing the account with all  XXXX  credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.

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 2017-06-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage sent a letter stating I needed to provide proof of flood insurance because their system showed an update as of X/XX/2017 that changed my condominium 's flood zone from XXXX to XXXX. I contacted my home owner 's association ( HOA ) rep, and she stated that per the association insurance company, my property is not in a flood zone. <P/>With all the back and forth, Suntrust force placed flood insurance on the condominium unit. I got the notification today, X/XX/2017. The letter is dated X/XX/2017. I contacted Suntrust to find out what they used to determine my unit was in a flood zone and was on the phone with the insurance department for 30 minutes. I was checking the FEMA flood map for my address while I was on the phone with them and it shows clearly that it 's in zone XXXX. They finally admitted that they do n't have any documentation that shows my flood zone changed from XXXX to XXXX. <P/>They are requiring that I show proof that it 's not in zone XXXX. I am upset that they can force place flood insurance without any proof that my property is in a flood zone, and that I have to get proof to show otherwise. That 's like saying Suntrust thinks I 'm guilty and I have to provide proof I 'm innocent. Should n't it be the other way around? Should n't they have to show documentation of a change in the flood zone? My HOA would need documentation before getting insurance coverage, why is Suntrust allowed to force place flood insurance without proof? <P/>Suntrust should either show proof that my condo unit is in a flood zone, or take that insurance off as well as refund me the fees and interest they charged because of that insurance.

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 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Second complaint - not a duplicate : I am a customer of Bank of America and have two checking accounts with them. On the last several days, Bank of America has been delaying transactions and posting them several days after the transaction was processed. On XX/XX/2018 Bank of America accessed a late fee of {$35.00} to one of my accounts for overdrafts fees when my account was never overdrafted. Yesterday ( XX/XX/18 ), I had an available balance of {$9.00} and I transferred those funds to my second Bank of America account. Today Bank of America posted another overdraft fee in the amount of {$35.00} to my account for {$35.00} and a transaction from XX/XX/18 was posted to my account in the amount of {$9.00}. 
Bank of America has been using the tactics of holding transactions longer than usual and showing funds as available balance online without the holding or processing transactions and accessing excessive fees to accounts. They are not taking responsibility on their glitch or predator tactics. I have been a victim of those tactics and unable to have those fees refunded by representatives. Today I spoke with XXXX and she refused to transfer me to a supervisor and also refused to reverse the {$35.00} fee. In five days I have been charged {$70.00} in overdraft fees by Bank of America.

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 2023-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation