BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The creditor is XXXX XXXX XXXX XXXX XXXX and they put XXXX accounts on collections and are destroying my credit report. XXXX account is for {$300.00} and the other XXXX is for {$130.00}. 

The collection agency is Online Information Service, XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. 

I want to pay for these but I never got billed for it. I would like to settle them but the number in the credt report does not exist. Please help me. The phone number they put on the report is not valid. 

This servicer is refusing to even reply to my letters, This is an outrage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: CA
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 was the co signer on a XXXX lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted XXXX for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.

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 2016-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I have an account with Chase Bank. It is not my main account as I do n't keep very much money in it. Its the account I use mostly when shopping online so the card info is saved on my computer. I submitted a few credit cards to be paid in extra and used this card. So last night I checked my bank account because I had to use the card a little extra when I left my wallet in the car with my husband and he was away at work. The account was low but not over drawn. When I checked I had XXXX in the account. This morning my bills posted and overdrew the account. Via Chase banks rules I have until XXXX Eastern standard time to pay back the account before over draft fees are assessed. Today at XXXX I woke up to an email advising me my account was over drafted XXXX which includes a bill I paid and XXXX, over draft fees. Not XXXX but XXXX totaling XXXX dollars! They did n't even remotely give me until XXXX eastern time to replenish the account. I called them to get this rectified and they would only waive XXXX fee, but kept the remaining XXXX on my account. I do not feel I deserve this at all this is supposed to be " over draft '' protection?! They told me, which I understand, that since they were electronic checks I can not see them on my account until they post and neither can they. But they couldnt explain why I had assessed XXXX fees all at once! XXXX fee I can understand and would probably have paid without much of a fuss. But regardless the over draft occurred today on XXXX then the fees should be assessed by XXXX as per their protocol! My bank account of course states they occurred on XXXX but I checked late last night before bed and it was still only at XXXX balance. So I find it wrong that they have it dated on XXXX when I was monitoring the account on XXXX and no over draft occurred. These time stamps are not correct! furthermore I get an email notification the second my account gets over drawn too and my notification was sent at XXXX on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Credit card was declined for a {$29.00} charge. Credit limit on account was {$20000.00}. Amount owing was around {$1000.00} because I had just made a payment of {$6600.00} on time and statement balance in full. Called Chase CC : they gave no satisfactory answers " we 'll make a note ''. Asked to speak with supervisor. Male gave his name as " XXXX '' and when I asked for full name, said it was " XXXX '' on his birth certificate. I asked his employee number and he refused to provide it. This company has a record of declining charges. In this case, they sent an email where I verified I had attempted the {$29.00} charge. After verifying this, the card continued to be declined. Is there any consumer protection for poor customer service like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for home modification.I completed my trial period and received docs with a sound ve ex husband name on docs.I applied for modification in only my name.I called my poc to inquire why his name was docs since I hadnt applied with his name on any my info.I was told that she would check into it.I received a call several days later informing me that because I live in a community property state that I needed a quit claim deed from my son to be ex and that would solve my problem.I was able to get a wuit claim from my soon to be ex husband and I faxed it over thinking that I solved the problem.I contacted my PIC and I was told I needed Divorce Decree.I informed her that she had.told me.that I.only needed the quit claim deed and that it would be impossible for me to get a divorce decree before 6months.I asked for a supervisor .I received a phone call from.the supervisor and I was told pretty much if I did n't get divorce I would lose my modification.I then filed a complaint with.Wells Fargo informing them that I didnt feel I was been treated fairly since I had did everything that I was supposed to do and that because im getting divorce im being penalized for.something I have no control over.I purchased my home 20years ago.and I have only veen married 2.5 years.I complied with everuthing they asked of me and im getting treated terrible.I received a call from them today telling me pretty much that if I didnt get a separation agreement that I would lose modification.This has caused emotional stress, headaches, sleepness nights I have XXXX has been an horrible experience.I would n't wish this on anyone.Please help me 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 explanation
Consumer complaint received 2017-02-08
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I closed an account with Chase Bank several months ago. I left Chase Bank owing them approximately {$430.00} because I am unemployed and had some undiverted bills go through which overdrafted my account. I am a full time student and have been living on my student loans for about a year. I have been waiting on a student loan refund since Friday, XXXX XXXX. The refund was paid in the form of a wire transfer from XXXX ( student loan processor ) and it should have gone to my new checking account with a different bank. Unfortunately, the loan went to the old Chase account. Chase Bank informed me this morning that they deducted what I owed them from the wire transfer and sent the balance to me via U. S. mail but it was sent to my old address. Now I have to file an affidavit with Chase to put a stop payment on that check which will take 30 days. Then they can reissue another check. I first want to know did Chase Bank violate any federal rules concerning the ACH transfer by not returning it to its original sender? Also, did they violate my rights by deducting the debt from my student loan without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I LEASED MY XXXX XXXX FROM CHASE. I BOUGHT OUT MY LEASE AND REFINANCED WITH XXXX. I CLOSED ON MY LOAN ON XX/XX/XXXX AT WHICH TIME THE ODOMETER DISCLOSURE STATEMENT WAS FAXED TO CHASE BY XXXX ALONG WITH ALL OF THE OTHER NECESSARY PAPERWORK. I RECEIVED 3 REQUESTS FOR YET ANOTHER ODOMETER STATEMENT XX/XX/XXXX. I HAD XXXX FAX CHASE YET ANOTHER ODOMETER STATEMENT ON XX/XX/XXXX. ( CONFIRMATION ENCLOSED ) I CALLED CHASE TO MAKE SURE THEY RECEIVED THE ODOMETER STATEMENT. THEY SAID THEY DID AND THAT I COULD EXPECT TO RECEIVE THE TITLE TO MY VEHICLE THE WEEK OF XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED MY TITLE. CHASE HAS MY MONEY, XXXX HAS MY LOAN AND I HAVE NOTHING. CHASES REPRESENTATIVE IS VERY DIFFICULT TO REACH. SHE STATES HER EXTENSION IS XXXX, THERE IS NO SUCH EXTENTION. I WENT TO THE XXXX, THURSDAY, XX/XX/XXXX. THEY LOOKED IT UP AND TO DATE CHASE HAS NOT RELEASED THEIR LIEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. 
I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. 
I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. 
As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. 
My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, Immediate Credit Recovery , Inc. sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, Immediate Credit Recovery , Inc. did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
American Express charged me for Premium Car Rental Protection- {$24.00}. I never signed up. I know these products are a complete rip off. When I called to inquire, I was told I signed up in 2013 under a different card number. They refused to remove the charge. I 've never been charged before. Clearly the company changed my preferences and add it by default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MS
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 # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604A 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 non-monetary relief
Consumer complaint received 2017-03-15
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : Cavalry Portfolio Services, LLC Account # XXXX I sent a register letter to Cavalry Portfolio Services, LLC requesting validation of debt for their account # XXXX on XX/XX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XX/XX/XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XX/XX/XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XX/XX/XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from STELLAR RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I represent a client that owes for a Dental bill. Recently, a Collection Agency issued a wage garnishment in CA. The debtor filed a Claim for Exemption as his right to do so, and in response the Collection Agency Manager is retaliating. Not only did he use profane language regarding the debtors request to try to resolve this, the Manager stated that he ca n't wait to take him back to Court to get an additional {$500.00} in Legal fees because he makes a lot of money, and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 explanation