BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 I had realized my credit limit had be unilaterally reduced from {$6000.00} to {$900.00}. Which is a substantial injury to me by interrupting commerce and causing a harm to my livelihood as I am the original creditor to this agreement as my consumer credit was utilized and extended to open this account. 
In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA.

- Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, between the creditor and the obligor, not later than 45 days prior to the effective date of the change.

- Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes.

In accordance with the CFPA, I request the acknowledgment of violations on behalf of Bank of America, A resolution to rectify this matter in good faith, And the recession of the security interest and any associated liens on the 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 monetary relief
Consumer complaint received 2023-01-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection on my credit report in the amount {$820.00}. This account does not belong to me and I have no knowledge of it. The account was opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not a resident of XXXX, Tx and never have been. The company XXXX XXXX stated that they opened a ticket on this matter to be resolved. The reporting agency is " TRANSWORLD SYSTEMS INC '' This is not the first the time this has happened to me. I had the exact same thing happen less than 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I have tried for 3 months to cancel my life insurance policy and my company was sold and may be sold again I could not find a phone number for my policy the company that was drafting me and I then called Chase and they gave me the wrong phone number for the insurance company, I then stopped the draft and reversed/disputed the most current payment from the Insurance company and Chase gave me the funds back than a month later took it out of my account again. I called Chase to ask them why and all they said was to bad that is our decision. They would not give me a reason why. I have a right to cancel my policy and I have been trying for months to do that and could not get ahold of anyone and Chase gives me the wrong number and they don't want to help me. XXXX at Chase on XX/XX/23 at XXXX hung up on me and would not help me. Was very rude. I don't understand why am I paying for a policy I didn't want and couldn't get a hold of the company to cancel. I called Chase twice to ask them what to do. 
It's not fair and not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit 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:
Subject : Unauthorized Charges on My Credit Card On XX/XX/2023 I discovered a transaction on my credit card statement that were made without my permission. These charges are as follows : Transaction Date : XX/XX/2023 Amount : XXXX Description : Apple XXXX XXXX Add additional unauthorized transaction of XXXX on XX/XX/XXXX at Apple Online Store that I blocked.

As soon as I noticed these unauthorized charges, I took immediate action by contacting Apple Goldman Sachs customer service team. I spoke with [ Customer Service Representative, who was extremely helpful in addressing my concerns. During the call, I provided all the necessary information regarding these unauthorized charges and was assured that the matter would be thoroughly investigated. 

I would like to emphasize that I did not authorize these transactions in any way, and I request a full investigation into this matter to determine how these charges occurred without my consent. 

I take the security of my credit card account very seriously, and I hope you will take the necessary steps to rectify this situation promptly. 

I appreciate your prompt attention to this issue and your commitment to ensuring the security and integrity of my credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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 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 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 explanation
Consumer complaint received 2023-10-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank is holding my money hostage. I overpaid the balance in full by {$1300.00} in XX/XX/2023. My husband and I had our XXXX XXXX  XXXX XXXX credit card for over 20 years before they sold my account to Comenity Bank. One account.two cardsone for my husband XXXX and one for me. One balance. One monthly payment due. Paid it faithfully. My husband passes away and I contact Comenity to let them know that I overpaid and that my husband passed away. They advise me to send a death certificate and a power of attorney. Which I once did with XXXX  XXXX XXXX and then sent these documents again to Comenity Bank on XX/XX/2023. When I called at the end of XXXX, customer service was not only rude to me but refused to talk to me because I was not my deceased husband. Comenity Bank has my money and I want it back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the XXXX pandemic I began qualifying for Public Service Loan Forgiveness Program ( PSLF ). When I started working for the federal government at the start of the pandemic, I was not aware that I qualified for PSLF. My loans were originally through Great Lakes Educational Loan Services , Inc. After qualifying for PSLF , my loans transferred to XXXX XXXX During the pandemic, I paid off some of my loans completely while they were still with Great Lakes Educational Loan, Inc. After qualifying for PSLF and realizing that non-payment during the pandemic counts as payment, I requested to have my loans reinstated and the money refunded. I initially contacted Great Lakes Educational Loan Service, Inc who informed me that my loans had been transferred to XXXX and that I needed to request the refund through XXXX. On XX/XX/XXXX, I contacted XXXX to have the loans reinstated and refunded. They accepted my request and ask that I check back in XXXX business days. On XX/XX/XXXX, I contact XXXX again and asked that the loans be reinstated and refunded. On XX/XX/XXXX, I contacted XXXX again and made the same request. On XX/XX/XXXX, a check from the Treasury Department arrived that was a refund for my reinstated student loans totaling {$570.00}. However, during the pandemic, I paid off {$58000.00} in student loans. On XX/XX/XXXX, I contacted XXXX and informed them that the refunded amount was incorrect. On XX/XX/XXXX I contacted XXXX again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX, I contacted XXXX again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX I contacted XXXX and was informed that I needed to ask Nelnet to reinstate my loans so that I could request a refund. I contacted Nelnet and was informed that XXXX is responsible. Both loan servicers are stating that they are not responsible for reinstating the paid off loans and refunding me {$58000.00}. However, on the XXXX website, Nelnet is shown as my servicer for the loans that were paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is constantly being used to get a credit card from XXXX  on XXXX/XXXX/XXXX  XX/XX/2023. I called the company and Im not getting anywhere and someone keeps applying in my name and it keeps hitting my hard inquiries. Im requesting a full investigation into who keeps trying to get a credit card and also the company for not complieing with my request to put a block on any credit card the company supplies at the the moment and I even offered to give them a password only I could use in applying for their services. This has happened twice in the last week and Im asking for resolution asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally obtained a loan for {$2400.00} from loanmart an payed it down to the last payment an was asked if id would like to take another loan because i paid this one off. One the same vehicle i decide ok that ill reloan the full amount. This was right before the pandemic an i believe i owed XXXX left an was {$14.00} dollers short on a payment an called to explain this. A Manager named XXXX got on the phone an told me " I was pathetic an that if i didnt pay the {$14.00} dollers he would come get the car an leave me an my kids walking in the rain. He said this laughing. Then other stuff like i hope you cant pay the {$14.00} dollers because ill do everything in my power XXXX just to make your XXXX walk '' At that point ibsaid Sir ive had enough of the threats to the point just come take the car then i hung up. They called me back from a cellphone immediately an said this '' XXXX, Ill burn your XXXX house down an leave your XXXX walking lol dont you know we have your address '' what he disnt realize is i had recorded it because i had a bad feeling it was them calling an i was right. The next day i called again an a female representative answered i explained to come get the truck an that everything was ok with it that i took the battery out of it but will put it in. She then said sorry, We cant take the truck because you said it was missing parts? Which i then stated mame the truck is in perfect oder an i dont want to be threatened anymore. She then states i owe {$15000.00} for the {$1800.00} i had left to pay. A couple representative contacted me afyer that an i played the recorded tape for them an they quietly apologized an hung up 3 different times.3 years goes buy an i hear norhing, I eventually get a different phone an no longer have the recordings as evidence because i thought because they threatened me an i clearly proved it to them that a manager threatened me on the phone the mattwr would be closed. Nope, Almost 4 years later im hit with a garnishment of my wages saying i owe XXXX for the XXXX i only owed them. How did it get to be that much? An why you think its ok to say ull burn someones house down is ridiculous over {$1800.00}. The manager that called me once knew exactly who this employee/Manager was who called me an told me this person was fired shortly after due to his unprofessional behavior an even apologized. I dont deserve this an i already paid one full loan an would have paid this one had i not been threatened an then after that my truck was towed away. So they towed the truck an still want all that money? Then stated they never towed it when we watched the tow truck come 5 days after that convo.. They are scam artists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a auto loan with carmax on XXXX  they ran my credit with multiple hard inquiries and denied me after the advertise said everyone can get approved I spoke to the financial department and they told me I had to give XXXX down payment in order to loan a vehicle or the other option would be to get someone to co-sign for me, they discriminated me because of the false reports on my credit and lied about their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX. TIAA uses background checks as a form of retaliation against employees who brings up issues against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a mailed letter from XXXX XXXX XXXX claiming I have a debt from PayPal of XXXX dollars as of XX/XX/23. I confirmed with PayPal that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to LEXUS PURSUITS VISA BY COMENITY BANK ON XX/XX/XXXX USING XXXX  XXXX XXXX electronic payment system. XXXX XXXXXXXX XXXX has confirmation number, transaction number and a debit number where Lexus Pursuits visa by Comenity Bank received. As of XXXX XXXX, Comeity bank says they do not have my payment and I am being charged late fees and interest on the payment. 
I had a conference call on XX/XX/XXXX with XXXX  XXXX XXXX, Comenity bank Rep and the rep went round and round. XXXX  XXXX XXXX states that Comenity bank refused my payment and returned. In Conferrence call XXXX  XXXX XXXX offered to send documentation where it was paid with all the confrimation transactions numbers but the comenity rep refused to take. His response was why do I need this info since you say payment was refused. Comenity is charging me late fees and interest now since they say I did not make any payment yet payment was made and refused and they Do NOT Want and documentation from XXXX  XXXX XXXX showing they were paid. The issue is comenity can offer no reason why payment was refused. I no longer have {$1000.00} that I have paid in my bank or on the comenity credit card. Someone in the Bank has STOLEN my money and with the low level and belligerent reponses with the oversea CSR something illegal is going on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company Transworld Systems I added a collection on my credit report that is fraudulent. I never received a letter or any type of communication that there was an attempt to collect a debt. I was informed by an alert from XXXX and XXXX XXXX that it was added to my XXXX and XXXX report as a collection for the amount of {$220.00} opened XXXX XXXX XXXX I have never owed money to 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 2023-01-26
Company: Bread Financial Holdings, Inc.
State: OH
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:
As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XXXX XXXX XXXX  I sent a certified mail letter to a company called Comenity Bank Forever 21 regarding this unauthorized inquiry to my consumer report that took placed on XX/XX/XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Comenity Bank Forever 21. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I not received back a response from Comenity Bank Forever 21. Nor have I received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio calls me almost every day. Ive told them I have no money, no income, and to stop calling. They dont listen. They have called at XXXX and after XXXX which Ive requested they not do.

Company response to consumer: Closed with non-monetary relief