BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX On XX/XX/XXXX, I made an online electronic payment from my XXXX XXXX  checking account to Comenity Capital Bank in the amount of {$200.00}. The payment was intended to be applied to my NFL Extra Points Visa credit card with Comenity Capital Bank. I have used this method of payment many times in the past for this credit card and all of my other bills. 

A few days later, I received a notification from Comenity that my payment for XX/XX/XXXX was not received. I checked my XXXX  bill pay account and realized that I made the XX/XX/XXXX payment to Comenity Capital Bank, but I inadvertently applied the payment to the wrong account number. 

My previous NFL Extra Point Visa account number was XXXX. I made my XX/XX/XXXX, payment to this account number. I should have made the payment using my current account number ending in XXXX. 

I called Comenity Capital Banks Customer Service number and spoke to a representative to explain the error. The representative said that they could not find my payment in their records and that I would need to mail in a copy of my electronic payment to their dispute department. 

On XX/XX/XXXX, I mailed a copy of the proof of electronic payment from my bank account bill pay and a letter explaining the error to the dispute department at Comenity Capital Bank. 

From XX/XX/XXXX through XX/XX/XXXX, I called Comenity Capital Banks Customer Service number and talked to several customer service representatives and managers who all told me that they received my dispute documents but were unable to apply my {$200.00} payment to my account until the investigation was concluded. Initially, I was told that the investigation would take 7-10 business days and then later I was told that it could take up to 90 business days. It seemed outrageous and impractical that the bank would receive a {$200.00} payment from me to my old closed account number but was clueless about how to transfer and apply that payment to my current account. 

Finally, on XX/XX/XXXX, I received a letter from Comenity Capital Bank stating they need additional evidence that I made the XX/XX/XXXX payment. I called Comenity Capital Banks Customer Service number and was informed that they wanted me to have my bank trace the payment and their investigation would take an addition

al 90 business days.

I can not express the frustration that I am experiencing with this entire situation. I made a payment to the correct bank that has all of my information but used the incorrect account number and Comenity Capital Bank has kept my money and is acting as if they cant find it for over 5 months now. This is outrageous and unprofessional and predatory and I want my {$200.00} payment applied to my current account and all late fees removed immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid 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:
Hello! 

I contacted CapitalOne on Monday, XX/XX/XXXX to request an increase to my credit limit. I've held the card for several years, keep a low balance, have not had any late payments for several years, there are zero derogatory marks on my credit report and I maintain XXXX ( XXXX ) and XXXX XXXX XXXX ) FICO scores. 

CapitolOne responded to this request with a letter that stated : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' The letter went on to state there was a further explanation for the decline supplied on a supplemental page however no further context for this specific reason was listed on the supplemental page. When I called CapitalOne to inquire for the reason of the decline the agent said they could not help me and directed to refer back to the letter for guidance. 

This has created a circle with no accountability or recourse for someone who has been a good customer for several years. I am making a simple request and I don't understand why there is no information or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: WLCC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX  loan has taken money out of my account after I revoked my authorization and refused to refund my money that I needed for other bills. XXXX XXXX loan refuses to give me a payment I can afford. All I get from them is threats of escalating collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Information belongs to someone else

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 need to be investigated and deleted for erroneous reporting in my file and 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

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 2023-06-13
Company: Nelnet, 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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 
Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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: 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 3 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
TMX has neglected to respond to the claim of the failure to disclose 16 CFR 433.2. Their response was carefully chosen as to not have to address the fraudulent and deceptive business practices. Therefore, this issue is not resolved and should not be considered satisfied or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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: 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. 
ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
After giving XXXX cease and desist orders, XXXX verbal and XXXX written sent by certified mail, they continue to contact me and sent me another pre-legal notice. I had told them that this is not my debt multiple times and that I am in a hardship and am not able to pay. I have researched this company and they have a very checkered past. I had requested them multiple times to get this off of my credit report. This supposed debt was supposedly charged off in XXXX. I have never had a XXXX XXXX Credit Card and I have no intention to pay a debt I do not owe. I would like them to cease and desist once and for all. I have also warned them that if they go ahead and sue me, I will file a complaint against their attorney with the proper disciplinary authorities to get attorneys suspended in the State of Indiana. I also plan to contact Indiana 's Secretary of State to pull their articles of incorporation in Indiana and to Indiana State Attorney General, XXXX XXXX, if they do not cease and desist. I feel it's that the CFPB start take action against this shady company and to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I REFUSE TO PAY THIS ALLEGED DEBT RENT TOOK ALL OF MY MONEY AND I SENT THE REST TO MY MOTHER IN JAIL. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : CREDIT MANAGEMENT LP Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I discovered on XX/XX/2023, that I was a victim of fraud. I logged into my mobile banking account and noticed that XXXX XXXX dollars had been withdrawn from my checking account. I called the fraud line and reported this, and a temporary credit of a XXXX was placed back in my account while an investigation took place. I received a letter today from Chase informing me that the transaction was authorized. I have never withdrawn XXXX XXXX from my account. It appears someone cloned my card and went to the atm five times, and XXXX XXXX XXXX dollars 5 times. This withdrawal has to be on an ATM camera. I work too hard to give a XXXX dollars away. I want someone to call me from the executive office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received several calls from Sunrise Credit Services regarding an alleged debt with XXXX for internet services. According to their claim, I owe a service payment for the date of XX/XX/XXXX. However, I firmly dispute this claim. Let me explain the sequence of events to provide a clear picture. 

Before XX/XX/XXXX, I made multiple attempts to cancel my account with XXXX. During one of my initial calls prior to XX/XX/XXXX, I explicitly requested to terminate my membership because I was moving. XXXX assured me that they would cancel my membership, but unfortunately, they failed to do so. To my surprise, I later discovered that they had charged me for the month of XXXX, despite my intentions to cancel. 

Upon realizing this mistake, I immediately reached out to XXXX to request a refund. However, they claimed to have no record of my previous call requesting the termination of services. While I knew this to be untrue, I reluctantly accepted their offer to cancel my subscription on that day. Given their prior mishandling of my request, I became apprehensive about their reliability and promptly notified my bank, XXXX XXXX XXXX, to halt any further payments to XXXX. I explained the situation to my bank, only to learn that I was not the only one facing such difficulties. It became evident that XXXX was employing questionable and unethical practices, as numerous similar stories surfaced through a simple XXXX search. 

To my dismay, XXXX subsequently sent a bill in collections for the month of XXXX, despite the fact that I had already paid for it. Moreover, I possess bank records demonstrating that the payment was deducted from my account on XX/XX/XXXX. This evidence solidly supports my position that the bill has been paid in full. I promptly forwarded this information to Sunrise Credit Services, although I am yet to receive a response from them. 

I felt compelled to proactively address this matter since my research revealed that Sunrise Credit Services shares the same poor ratings as XXXX, with most of their collection complaints being related to XXXX 's services. Given these circumstances, I am seeking guidance on how to resolve this issue and prevent further harassment. 

Please note that while I appreciate any general advice or suggestions, I understand the importance of consulting with a legal professional to obtain specific advice tailored to my situation.

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 2023-03-17
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : SPRINGOAKCAP  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Sunbit, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After making my final payment of {$12.00} on XX/XX/. I contacted Sunbit to close my credit card account. Today is XX/XX/XXXX and my credit card account isn't closed as of yet. I was advised that it can take up to 48 hours to have my account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NV
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:
My complaint is against Experian and XXXX. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. Experian and XXXX ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


Experian and XXXX is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of Experian and XXXX and matches the documents. 

Experian and XXXX is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on 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 explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-13
Company: 90 Day Credit Experts
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
90 day credit experts had tried engaging services with me. They never performed any credit repair services and have sent an account to a collections company. When I tried contacting them, they blocked my number. This organization has horrible reviews and is an extorionist credit repair company that is FAKE. I am contacting the Attorney General, Better Business Bureau and every government agency regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: SYNCHRONY FINANCIAL
State: VA
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:
Company : JCPenney  Date : XX/XX/2022 Amount : {$3.00} late payment by the company In accordance with the fair credit reporting act JCPenney, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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