BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Violation of the FDCPA, FCRA, TILA have been found. I have sent Validation letter, my request of the name and address of ORIGINAL CREDITOR, sent cease and desist, affidavit of truth, invoice for violations of the law, and Exhibits of violations. I have received collection calls and I the consumer rights have been violated. I have tried to have this issue remedied, I sent documents XX/XX/2021 and I have not received full response. I notified Discover financial services my right pursuant to 15 usc 1692h and my notice of removal of the late payments on my credit report, I have sent notice pursuant 15 usc 1666b but no response. Also according to FCRA Discover does NOT have permissible purpose, 15 usc 1681b ( 2 ) they are furnishing a report without my consent. I am not in debt to Discover Financial Services, pursuant to 18 usc 8. I am the original creditor and they are attempting to collect an alleged debt not owed by I the consumer. I have resent documents and additional information certified mail XX/XX/2021 and has notified them of 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: NJ
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:
for the past month, experian has arbitrarily reduced my credit without credit report justification by 39 points.. 

additionally, when asked what was on credit report to justify such a precipitous drop, i was not given an answer that justified a 39 point drop ... 

especially since i have an exceptional payment history, no collections, low debt ratio, and low credit card debt ... also, i am a senior and the covid 19 virus precludes me from getting out as often to utilize credit as often as experian would like (? ) they seem to be punishing me for being prudent with my credit usage during a pandemic ... 

ironically, i was 23 points away from an " exceptional '' credit score and  was about to perform a financial transaction ... this must now be postponed because of experian 's dishonest credit score reporting ... 

additionally, experian has over 155,000 complaints on the CFPB website ... 

based on this phenomenon, who is more credible?

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 2020-07-12
Company: PNC Bank N.A.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Over paid loan by {$2900.00}. 
Did not receive any payoff paperwork and kept making the payment after the loan was paid off. Called to see why I was not receiving any invoices any more and they said it was paid off. I said I did not receive any release of lien paperwork and they said I wouldn't.. It was a XXXX XXXX that was financed. I asked if I had overpaid the loan and they said yes by {$2900.00} and I said when were you going to refund it to me and she said they weren't. She said I had to fill out paperwork and I did so on XX/XX/20 and she told me it would take 60 days. I have not received anything yet. 
my loan number is XXXX contract number XXXX. the payments were {$710.00}. 
It was with P N C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX, pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified several years ago of a debt that I allegedly owed to a school. 
The name of the school is/was XXXX XXXX.Upon information and belief It was/is an online school. 

The amount of the loan was XXXX. After looking at it I noticed that the date of birth didnt match mine nor was any phone number ever used by myself. The company continues to attempt to collect despite the FTC Identity theft report and my many calls and correspondences. Ive called and was hung up on on numerous occasions. 

The name of the company is Ability Recovery Services XXXX XXXX XXXX XXXX, XXXX , PA This account was opened and/or loan was taken out while I had a freeze on my credit report and statement that says dont extend any credit to anyone without calling me first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX-XXXX ), to XXXX XXXX of PROFESSIONAL DEBT MEDIATION, INC. on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.

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 2021-07-01
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute with Equifax in regards to XXXX XXXX XXXX XXXX placing a collection account in the amount of {$1800.00} on my credit. I could not find my legal documents at the time so I was not able to attach them to the dispute. I submitted the dispute and the next day Equifax said they completed their investigation and that the amount shown is accurate. Stunned that this happened, I called my attorney in which he stated that they were not supposed to do this, as we won the case against the apartment complex. They forwarded me the documents needed to send to Equifax proving that this collection account is not valid. I then opened up a second dispute with Equifax attaching the required documents as requested and submitted the dispute assured that now they would read the documents and fix this error. The very next day I was notified that Equifax has " completed the investigation '' and that again the " amount was accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was going through the credit card online spending summary on XXXX XXXX that's when I noticed a series of transaction that I did not execute : 1. XXXX {$210.00} XXXX XX/XX/XXXX ) 2.  XXXX {$440.00} XXXX XX/XX/XXXX ) 3. XXXX {$4.00} ( XX/XX/XXXX ) 4. XXXX XXXX   {$120.00} ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX {$77.00} ( XX/XX/XXXX ) 6. XXXX {$250.00} ( XX/XX/XXXX ) On the same day ( XX/XX/XXXX ) I communicated to the bank and raised a dispute of all the above mentioned charges. I also went to the extent of contacting all the merchants via email and letting them about the transaction and requested them not to proceed with the shipment ; and where the shipment was out of their warehouse I asked them to put a hold on the delivery. To my surprise, all the merchants asked me to work with the bank and they were not exploring the option of holding back the shipment. 

While working with the bank, my credit card issuer, I had to contact them multiple times asking the team to post a temporary credit to reduce the credit card outstanding amount so that I only pay the charges that I recognize. 

Fast forward, it is XXXX and today I checked to see the status of the disputes. I was surprised to see the first disputed charge {$210.00} was closed in favor of the merchant. 

My credit card issuer is Citi bank and as this is an online fraudulent transaction I would expect the issuer to pick up this charge and treat is as fraud loss, not to bill the customer. Ideally, I would expect customers to be notified if there is an odd purchase, for instance, XXXX  is a XXXX website, and going by the transaction history I have not bought goods/services outside of US I would have expected Citi to flag this transaction. Such operational control would have prevented the fraudulent activity in first place.

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 2018-09-21
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I owed a XXXX credit card debt back in XXXX for which a judgement was obtained against me. The judgement was never Renewed within the 10 years allowed which means it is no longer valid. However, the agency ( kirschenbaum, Phillips and XXXX in XXXX, Ny ) garnished XXXX from my bank account. I called them to court, XXXX, NY, and the judge ruled in my favor. She vacated the judgement on XX/XX/XXXX and demanded my money be returned. The agency has been uncooperative since that time and will not release my money to me. I do not believe this agency has 1 lawyer working with them as theyve had several complaints against them on line. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2016, the company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) charged my Chase credit card ending in XXXX a charge of XXXX. This charge was unauthorized and I disputed this charge with Chase. However Chase ruled in the favor of the merchant and refused to credit me this amount. 

XXXX XXXX XXXX was contracted by me to perform pool resurfacing for XXXX of my properties. The contract was written that I would pay 50 % deposit, with the remaining balance due at job completion. I used my Chase credit card ending in XXXX to pay for the 50 % deposit. However I never agreed to or authorized the merchant to charge this credit card for the remaining balance. At the time of the 50 % deposit payment, I was never informed by the merchant that they would put the remaining 50 % balance on this credit card. I authorized the first payment of {$1600.00}, but not the second payment. 

After I initiated a dispute with Chase, XXXX XXXX XXXX provided paperwork that showed that the charge of {$1600.00} was manually keyed in. I was never contacted or informed of this charge. I never authorized this charge. I assumed that XXXX XXXX XXXX wrote down or kept my credit card numbers from the first charge, and keyed this in manually without my authorization or awareness. This was a shady business practice by XXXX XXXX XXXX and should not be endorsed by Chase. 

I was dissatisfied with the service provided by XXXX XXXX XXXX and disputed this charge on the basis that I never authorized the second credit card charge. Chase ignored the fact that XXXX XXXX XXXX should never stored my credit card information and charged it without my authorization, and ruled in XXXX XXXX XXXX 's favor. 

Chase, as the credit card issuer, did not protect my right when a merchant charged my card clearly without my authorization. Chase should not judge a dispute based on the language in a service contract, the quality of the service, or whether or not who needs to pay whom. That type of judgement should be reserved for courts and judges. Chase should judge a credit card dispute based on credit card rules and regulations, whether a charge is authorized by the credit card holder, and whether a merchant abide by laws when handling credit card information. 

The ideal resolution to this issue is that the money is credited back to my account because I did not authorize this charge. This type of unethical practice by XXXX XXXX XXXX should be exposed and penalized, not condoned by Chase or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During COVID there was a lack of communication to address this debt. I never received notification that a potential writ of execution was going to take place which left me no opportunity to try and arrange for payment. With this said even making several calls, leaving messages, offering a reduced amount, staying on permanent holds, and emailing I dont get a response anyway. Its almost as if this firm purposely ignores you to make the situation more complicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to TransUnion. That after 3 months they still have not responded.

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 2021-03-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX XXXX I opened a dispute with chime bank and provided them with as much evidence on me being scammed out of my money by this merchant XXXX XXXX  for {$3000.00}. On XXXX XXXX Chime denied and closed my claim saying that they spoke with the merchant and the merchant told them I didnt make the payment on the vehicle so they repoed my vehicle, which is false. I made the initial payment of {$3000.00} on XXXX XXXX with my chime XXXX XXXX. Chime still denied my claim after they see the payment was made in that day. I tried to reopen my claim with chime on XXXX XXXX and they still denied my claim once again. Chime told me there was nothing they could do and that I will not receive my money back because Of what the merchant said. Ive been a customer with chime almost a year now, never had a problem out of them but this is very frustrating knowing my bank chose the merchant over their costumer being that I provided all the evidence I had even a police report that they asked for. Here it is XXXX XXXX and Im at a lost of {$3000.00} and a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CASHCALL, 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my Chase XXXX account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX account are either disconnected or unresponsive now. Based on talking with Chase staff most of the last weekend, it seems I am out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Firstsource Business Process Services, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls this week. When I called them back they stated they were XXXX XXXX XXXX XXXX. They stated the call would be recorded but never stated this was an attempt to collect a debt. When I refused to provide personal information I was told the information was already on their screen. I told them to tell me what they had and I would either confirm or deny. They did have my address. They then asked for my birth year, again I refused. 

I asked for information about why they were calling, who their client is and was told they could not provide that information. I asked for the information to be sent to me via email and unless they could do that I would not provide any information. The answer I got was they could not send any information on this through the mail. 

The person on the phone had a very thick accent from XXXX. 

The number appearing on the caller ID is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing to complain of the practices of Elan Financial Services ( Elan ), issuer of credit cards for Fidelity Investments, among other sponsors, which are certainly anti-consumer and may be violative of the Fair Credit Billing Act, 15 U.S.C. 1666 et seq. 

When Elan detects what it believes to be a fraudulent charge it calls the cardholder and uses high pressure tactics to elicit a yes or no answer to whether or not a list of charges, given with few details, are authorized or fraudulent. I think it fair to say that it is unreasonable to expect an average consumer without contemporaneous access to paper or electronic records to recall every charge he or she may have made over several days, particularly given the paucity of details. 

If the cardholder says no they do not recognize the charge, the charge is declared fraudulent and the account is immediately blocked for days until a new card is received, denying the cardholder access to credit and creating an incentive for the cardholder to acknowledge small charges that he or she may not really recognize. 

I particularly request the Bureau to investigate what if any use Elan makes of a yes answer made by a pressured consumer, recognizing the charge in the recorded phone call but later wishing to dispute the charge under the Fair Credit Billing Act, when the monthly statement arrives. Elans tactics raise a fair question as to whether Elan is attempting to prejudice consumers Fair Credit Billing Act rights by having at its disposal a recorded telephone conversation during which the cardholder acknowledged the charge.

What is clear, in any event, is that these tactics contravene the scheme created by the Fair Credit Billing Act of allowing consumers to review their periodic statements within a period of their convenience and with access to their records, and to dispute charges they then find to be unauthorized. The effect and, I believe, purpose of these practices is not to prevent fraud, but to shift any possible loss onto the consumer and away from the card issuer in contravention of the Act.

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