BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: United Revenue Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I sent United Revenue Corp a debt validation letter. When there was no response I wrote to them again on XX/XX/XXXX but to prove they received the letter I faxed it on XX/XX/XXXX XXXX sent receipt attached ). I waited another 30 days and on XX/XX/XXXX I reminded them of the two previous dates that went unresponded to and that if a fourth letter was necessary it would be accompanied by a CFPB complaint so that's what this is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several weeks ago on a Saturday morning on XX/XX/20, my husband and I awoke to our bank accounts being frozen without warning by Chase. The accounts frozen were his main account and our joint. My husband is a XXXX XXXX XXXX XXXX XXXX. Chase claimed the accounts were " restricted, '' but they were in fact frozen. They would give us no information, only told us to show up at a branch Monday morning and fill out tax paperwork and bring identification to prove my husband was who he was. They held his paycheck ( automatic deposit ) until Tuesday, and turned away every auto bill that tried to clear ( it was the end of the month so first of the month bills were trying to clear ). Cards didn't work, transfers were not permitted. All in all, they froze {$5000.00}. 

On Monday morning, we arrived at the branch, provided them with their required tax paperwork, filled out their forms, let them take copies of passports, ss cards, DL 's, XXXX, and even a tax return. They claimed after all this was all being done because someone may have stolen my husband 's identity. They said the " restriction '' would be lifted by Tuesday. It wasn't. We called. They said " Thursday now. '' Thursday came and it was the 1st. All my bills were due. I went back to the branch and demanded my money. The bank manager released it to me and I pulled all my savings ( from another account out as well ). They didn't unfreeze the accounts for another day.

We never received a " thank you '' an explanation a nothing from the bank. Yesterday, XX/XX/20, we received a packet from the bank demanding my husband fill out tax form W-8 now and if he doesn't comply, his accounts will be closed ( and I assume frozen again ). Tax form w-8 is for NON-LEGAL ALIENS, not for LEGAL PERMANENT RESIDENTS OR CITIZENS!! The only income we receive is his direct deposit from the same job he has held for almost 10 yrs here, which is a large American Company. I receive SSDI for I am XXXX. 

I feel we are being more than harassed by Chase bank. We will NOT be complying with this current request because even the IRS.gov web site says my husband should not comply because he is NOT an illegal nor does he own overseas bank accounts or receive overseas monies. At this point, I will be closing my accounts, but I will also be consulting with an attorney as the letter Chase sent said something about my husband 's payroll deposits being subject to an additional 30 % tax!?! We're good ppl. We pay our taxes ( even receive receipts and a thank you for paying from the IRS ), pay our bills, abide by the law. This harassment and bullying can't be tolerated and surely doesn't seem legal without a warrant nor even a letter. Why does a bank have so much power? It is my opinion Chase is actively engaging in discrimination against immigrants and US citizens who are married to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they 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 2017-12-21
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX/XXXX/2017 the company Account Control Technologies contacted me by phone at XXXX which is my local time as I presently reside in XXXX XXXX CA. This is way before the XXXX requirement and was extremely disruptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: Account Control Technology, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My work phone is reserved only for my family. I'm a XXXX. I can not get phone calls to my XXXX. Apparently this company has purchased my student loan debt from previous collector. I was working with the other agency. Never heard of this company before. I called back and spoke to XXXX with Account Control Technology at extension XXXX. THEY WERE NOT GIVEN PERMISSION TO CALL MY JOB. They XXXX  and researched where I worked and called here to harass me. The other company never had my number to my job. I will GLADLY give them my cell phone number. The lady was rude, attempted to prevent me from talking. These companies don't send anything in writing. Very ambiguous. I'm not sending a dime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian erased my address accidentally. The notes in their files show they removed the address accidentally yet they have failed to resolve it. Every agent switches me to another person who tells me they made a mistake yet they cant fix it. They have asked me to upload my information YET the portal doesnt work!!!! Their actions are causing me financial harm as I am unable to get up to date Fico scores, file disputes or view my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a letter stating that one of my employment filled out the application incorrectly. Ive tried to get in contact with Mohela to rectify the situation and Im unable to get through anyone. Its asking for SSN and once I put it in, Im not in their system. Ive tried calling and its the same thing. Ive tried the get information online and its saying the same thing My information can not be found in their system. This is extremely frustrating as I have completed employment verification every single year. I have no idea how many counts I have or nothing that has to do with my loan. The provider XXXX has no information on Mohela and can not help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft please remove this fraud inquiry from 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 2021-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
This company is a very fraudulent company MIDLAND CREDIT MANAGEMENT uses all kinds of fraudulent way to to extort payments for debts they can not verify, they have been reporting very negative information every month on my credit report with the goal of destroying my credit so i will be forced to pay for a debt that they can not verify its mine. 
They have been calling me on odd times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Please Im asking CFPB for your continuing help as you all have done so well in assisting me with the companies in getting the information that I needed to present to the court for the alleged mortgage loan real estate fraud. Select Portfolio Servicing has accelerated late fees in which whenever a dispute is being made a late fee is not  supposed to charge and increase mortgage loan payments when my property insurance ( escrow ) went down but my mortgage payments accelerated from {$1000.00} to {$1100.00}. Attached is a copy of US. District Court Southern District of Florida ( XXXX XXXX Civil Docket For Case # XXXX XXXX XXXX XXXX Select Portfolio Servicing . I want to settle this mortgage loan situation so if possible that XXXX XXXX in the Settlement for Mortgage Regulation can assist me with this case, because I dont have the funds to obtain a lawyer, Im very limited on funds because I receive XXXX social security check. You all have all the information and documents that was sent to you from XXXX XXXX XXXX, XXXX  XXXX XXXX and Select Portfolio Servicing. Also review fraudulent activity on FHA Connection lender query

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 I submitted request for XXXX to remove this incorrect reporting from my credit. XXXX sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX credit card # XXXX opened on XX/XX/2022 with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/2022 I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: I.C. System, Inc.
State: MI
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 have sent police report to XXXX XXXX credit card and informed them that the credit issued under my name and soocial name XXXX XXXX is fraud. This happened after identity social security theft and i filed fca report. They deleted from XXXX credit burue. 
But they keep sendining information to XXXX  to label it as charged off account. I have evidence letter that this was resoved as frayd see attachment so I would like transunion to delete it I am totaly XXXX   person and they ruined my credit, I made more than 5 attempts they delete and bring it back Please I want permenant delete My last social XXXX name XXXX XXXX XXXX Dob 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 2020-04-16
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello, Ive been going through a rough time and got way behind on my credit cards and a company Rubin & Rothman , LLC XXXX XXXX  XXXX XXXX NY. XXXX is sending collection letters and garnishment letters to my employer. I understand if they send to my payroll dept, but they are sending certified letters from the Sheriffs dept, directly to my office so that my employees see it because it is not addressed to me. This is embarrassing and I dont believe it should be allowed.

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 2018-10-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost. 

on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment. 

Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all.

My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ). 
I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back. 
Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive. 
also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.

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 2020-10-18
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
for the last 6 months i had at times multiple calls daily. early in the morning, last at night all weekend long.im not getting calls from a 5th different number in the same time frame. from the 3rd different company referring to this account. ive spoken to a few different people to attempt a resolution for the account. none of which were manageable with this current financial crisis we are facing. with trying to keep my kids taken care of and more important bills under control. im just sick of being harassed by anyone trying to collect on this. i get it, its a debt that needs addressed. but, they will literary have to wait their turn. as a closed account and negative mark on my credit report, which stands in my way of doing important things like getting the mortgage on my house, so i can lower my money bills. they are literary standing in their on way preventing me from saving money money on bills to be able to afford to address things like this and while at the same time making me never want to look at my phone. i see their numbers so often i almost know by heart. i wouldn't be so upset at the situation, but they don't need to call me something like 500 times to tell me what i already know.

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 2020-10-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: ALLY FINANCIAL INC.
State: NC
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:
To Whom It May Concern, I am writing to file a complaint against Ally Financial for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus. Specifically, Ally Financial has been reporting inaccurate payment history and amount owed on my account, which has had a significant negative impact on my credit score and financial standing. 

Despite numerous attempts to rectify these issues with Ally Financial directly, I have not been able to obtain a satisfactory resolution. Furthermore, these inaccuracies have resulted in Ally Financial reporting misleading information to credit bureaus, in violation of my rights under the FCRA. 

As a result of Ally Financial 's inaccurate reporting, my credit score has suffered a significant drop of XXXX points on three separate occasions in the past 90 days. This has caused me undue stress and financial hardship, as it has made it difficult for me to obtain credit and other financial services. 

Under the FCRA, Ally Financial is required to provide accurate information to credit reporting agencies, including payment history and amount owed. Furthermore, if Ally Financial becomes aware that any information it has provided to a credit reporting agency is not accurate, it is required to promptly notify the agency and provide corrected information. 

Therefore, I am requesting that Ally Financial be held accountable for its violations of the FCRA and that any inaccurate information be removed from my credit report. Additionally, I am requesting that Ally Financial be required to pay {$100000.00} damages for harm that has been caused to my credit score and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2018-10-23
Company: EQUIFAX, INC.
State: TN
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 a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX  XXXX, XXXX  and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 payment made : XXXX XX/XX/2019 payment made : XXXX Account was paid in full. 
Bay Area Credit reported me to my credit report after I paid the account in full which has negatively impacted my credit. I received no communication ( phone or written ) on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was " frozen '' on XX/XX/2020 ... ..no notice or reason given. This account is a JPMorgan Chase account in their " private banking '' program. I have been a customer one way or another for 25 years!!! 

They are not holding my checking account of {$63000.00} ; then are now holding XXXXederal Funds in the form of my Social Security in the amount of {$1600.00}. 

Since I can not get any answers I HAVE TO ASSUME FRAUD OR THEFT!!!!! 

As you can imagine I have numerous checks returned and non-payments!!!

Company response to consumer: Closed with explanation