BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It has come to my attention that PenFed never resolved the banking errors which occurred back in XXXX. On XX/XX/XXXX Credits were posted to my account. I had initially thought these were the credits I transferred from my Checking Line of Credit to my checking account. These were in the amount of {$240.00}. So I then transferred these credits to my external account. On XX/XX/XXXX PenFed Deducted all of these credits. Resulting in a negative balance. Unaware of the negative balance PenFed then later closed my Overdraft Line of Credit and Credit Card citing that I had not responded to the emails received from PenFed regarding the overdraft share. Now mind you, I never received any calls from them regarding this issue. When I sent them an email confirming that these were placed in my account in banking error then, since I had stated I transferred from Line of Credit and didn't believe this was a mistake. PenFed responded stating that the credits applied on XX/XX/XXXX were supposed to go to another account and that these were done so in error. Then they advised I transferred these credits out and I am being held responsible for the funds since they were withdrawn before the correction could be made to " The account ''. This is obviously absurd, I do not control banking errors from this institution. I do not find this to be fair and equal treatment that I am being held responsible and forced to pay for a banking error, that I had no control over. How many other account 's has this credit union done this to? They then charged off the share and say I still owe it. I believe that I do not owe a balance that I was never responsible for in the first place. Penfed confirmed from XXXX XXXX that this was a banking error via email. Which I still have a copy of. This seems like this is harm to the customer especially when I was only transferring funds I had assumed were from the line of credit. I had no idea these were done in error as these did not have any description to them. I would like for this to be rectified so that I can bring my account 's back in good standing with Penfed. 
XX/XX/XXXX Funds Transfer Credit XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Ach Debit By Member XXXX XXXX Bank Transfer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ending Balance {$8.00} This is from the XXXX statement of 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 2022-05-04
Company: EQUIFAX, INC.
State: OK
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  Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like i'm being really taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting 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, this creditor, XXXX  has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in 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 explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: CITIBANK, N.A.
State: MI
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:
I mailed a check for {$25000.00} from my bank to pay part of my Citibank Credit Card balance. I then noticed the {$25000.00} payment was applied twice to my credit card balance. Also, my credit card was locked by Citibank ( even though I had available credit ). I contacted Citibank regarding the issue. They told me I sent in XXXX checks for the same amount. I asked them to verify the checking account number ( which was indeed my checking account ). I asked for the check numbers and they would not give them to me until I talked to several different customer service reps. They finally told me that there were XXXX checks numbered XXXX. This seemed highly unlikely and I was concerned regarding some type of fraud, so I asked for images of these checks, but was told that was not possible. I contacted my back and placed a hold on XXXX checks ( for a cost of {$70.00} ). On XX/XX/XXXX, I spoke to a customer service rep who told me she sent an email to payment investigation team and they would be in touch with me in XXXX business days. Citibank sent me a generic email on XX/XX/XXXX stating they would get back to me after reviewing my account. By XX/XX/XXXX, I had not heard anything from Citibank regarding my account, so I contacted them. The customer service rep did not have any notes regarding the case on file, so I had to explain it all again. I was transferred to a Senior Account XXXX who told me I could request a refund of the {$21000.00} credit and would give me 0 % purchase rate on the card for 6 months so that I would not close my card. I again explained the situation to the Senior Account XXXX who agreed that having the XXXX checks with the same number from the same checking account was odd, but he would not provide a plan on how the case would be evaluated. I want Citibank to investigate why XXXX payments ( checks ) of {$25000.00} from the same checking account with checks of the same number were posted to my account. I want an explanation of their findings and what they plan to do in the future to prevent this from happening again.

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 2022-12-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Receivables LLC has provided nothing to show that I owe them anything. I have repeatedly requested for information to prove that the debt is mine but Resurgent Receivables LLC has failed to do so. 

I also sent in a prior complaint about this issue and Resurgent Receivables LLC cited the lawsuit they filed against me in attempt to collect this false debt as a reason to not comment on my previous complaint. 

Resurgent Receivables LLC is also not authorized to collect debts in my state XXXX XXXX XXXX XXXX This is a violation of consumer law and makes the lawsuit that they filed in pursuit of the alleged debt illegal and non-standing. I attached a list of the authorized states and counties that Resurgent Receivables LLC can collect debt in. 

This is what is causing me to write this second complaint to try to get this situation resolved and the debt deleted from my credit report indefinitely. 

This process has been very stressful for me and has cause me to underperform at my job resulting in my firing. This has cause a lot of strife in my life and I would love for it to be resolved by having this stain deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: MOHELA
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX has XXXX my federal student loans with MOHELA in XXXX, effective XX/XX/2023. I received confirmation in a letter from MOHELA, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, XXXX and XXXX which are being investigated at present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: FL
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXXXX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered XXXX payments and still is reporting this account as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The XXXX Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

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 2018-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
Today I am writing to see if you can help me with a bank that is completely ruining my finances and lieing and stealing money from me! On XX/XX/XXXX I ordered from XXXX the a total of XXXX, there was an issue with other I was refunded XXXX on XX/XX/XXXX and never appeared back to my account. I called XXXX thinking maybe an issue on there end and nope it was citizens bank, they gave me all the information I needed to verify with the bank. But instead of citizens helping me they kept taken XXXX out of my account everyday for overdraft, finally I filed a complaint, and the manager said I am so sorry we where having issues that week with refunds going into accounts, he told me my refund would be back in my account in a couple days along with overdraft fees totaling up to XXXX! A few days later I recieved a email from XXXX stating they have to charge me back because citizens demanded there money back and it was fraud!!!!!!!!!!!! It was not fraud it was my refund I then explained to XXXX and told me I had to contact bank where I have gotton now where but lies! My auto insureance was canceled due to them taken out overdrafts frees and not returning my refund! This is fraud on there part!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A creditcard from discover was opened in my name sent to a address I never lived at state I don't live at or have opened online. I have communicate with them and did a fraud process and they told me the reason my claim was denied is because a airline ticket was bought. I asked was it in my name and do they have proof I boarded the plane, no was the answer. Then the account was closed due to return checks and non payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: SC
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:
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 following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account USDOEXXXX Account Number : XXXX Please investigate and remove the late payment. 


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

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 2022-12-30
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt is past the statute of limitations, creditor reporting inaccurate information as if the debt is new. Dates are inaccurate account was opened 7 years ago and removed from my credit. Collection agencies can not report old debt as new ; this is a violation of the Fair Debt Collection XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: National Commercial Services, Inc
State: CA
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:
National Commercial Services sent a letter saying they were acting on behalf of their client, XXXX XXXX, Client Re. No : XXXX, Account No : XXXX, Balance of Claim : {$7900.00}. I have no such debt with XXXX XXXX, or anyone else. The letter was as follows : Please be advised that your account has been referred to our internal Legal Department for review. The referral of this matter takes place only after traditional collection efforts have been exhausted. ( There have been no collection efforts made regarding this ) If our Legal Department does indeed qualify your account for litigation and there has not been a resolution as to the outstanding claims, we will assign the file to one of our contracted attorneys in your area to commence litigation. 

It is our sincere desire to avoid the time, expense and inconvenience to all parties brought about by a lawsuit. In that respect, we are willing to consider all reasonable proposals. 

This is a time sensitive matter. Please contact our office immediately in order to resolve this matter without further action. We look forward to your prompt reply. 

Online Payment : Please visit https : //secure.ncssubro.com/payment Hours of Operation - Pacific Standard Time : Mon-Fri XXXX XXXX - XXXX XXXX Sincerely, ALL CORRESPONDENCE SHOULD BE SENT TO XXXX XXXX National Commercial Services XXXX Ext. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX I have not replied in any way to this letter, believing it to be an attempted scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation