BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. 

You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. 

I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: AR
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX 's ATM card was stolen and a fraudulent check was deposited via mobile banking and withdrawn via ATM by the thief. When Santander Bank recognized the check was fraudulent, the funds were removed from XXXX XXXX 's account, resulting in a negative balance. When XXXX XXXX went to the bank to ask for help and ask why her account was negative, Santander insisted she pay the negative balance, even though a thief was using her account for fraudulent activity.

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 2022-12-02
Company: Experian Information Solutions 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:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-21
Company: FIRST HERITAGE CREDIT LLC
State: SC
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:
Their website has a pre-qualification form for personal loans that specifically states " this will not affect your credit score. '' I did the pre-qualification form but decided not to pursue fully applying for the loan. The local branch still pulled my credit report, resulting in a hard inquiry without my permission. I contacted the company about this, and someone from a local branch called me back. First he tried to get me to close the loan anyway even though I didn't want it, then said he would contact the company 's home office to find out how to resolve the issue. He said he would call me back by Friday but I never received a call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A XXXX  months ago I opened an account with Truist bank. I received a XXXX  loan type deal from a company and it was deposited into this account. My fianc and I were using that money to pay bills, I tried to send money to him via XXXX, Truist locked the account and flagged it for fraud. 

I reached out multiple times to Truist and received several different answers. I was told to go to the branch to receive my money, the branch couldnt do that due to the fraud department locking my account. I reached out on the phone multiple times and was given the runaround. I was then sent a letter stating that I would receive the funds from my account in a check or could pick up at the bank. It has been months and there is still {$990.00} sitting in a closed account and they will not release the money to me. They state I owe them money and I can not use the funds in the account to pay the debt and they will not release the money or reopen the account until that debt is paid. I dont trust paying them because my money will probably sit in there another year before they decide that I can have it again. 

Customer service has been very unhelpful with them and I have been told so many different things by the company in multiple different departments. I would just like to be able to have the money released or mailed to me in check form, or if they insist on receiving money relating to a debt, they need to use the money in 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 explanation
Consumer complaint received 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other items that do not belong to me or that were opened without my consent are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$45.00} XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a consumer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2022-07-09
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:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-03
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 us 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt

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 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In accordance to the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

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

15 USC 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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 XXXX  Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # XXXX  XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF EDXXXX  Account XXXX xxxxxx XXXX, DEPT OF EDXXXX Account # xxxx XXXX, DEPT OF ED/XXXX  Account # xxxx XXXX, DEPT OF EDXXXX  Account # xxxxx XXXX, DEPT OF EDXXXX  Account XXXX xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account # XXXX XXXX US DEPT OF EDUCATION Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX  Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # 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 2023-03-01
Company: EQUIFAX, INC.
State: NY
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:
credit compaines are not providing info to provide that verification was verified nothing has been sent to me in written form. never explained how was update just believe it's violation to FCA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CITI thankyou Preferred offered a free upgrade to CITI thankyou Premiere card which had additional features. They offered a timeline to be able to convert back if your not happy so I converted. After receiving the card and the documentation and reviewing it I realized the card was not beneficial to me, so I canceled the card before use on XXXX XXXX, 2017. I found my CITI thankyou Preferred card not working in late XXXX and notified CITI Bank cards that my card was not working and they indicated to me that the card was cancelled since it was converted over to CITI thankyou Premiere. I notified them and after some time they told me the card could n't be converted back. I told them it was n't my fault and I was following the guidelines put forth by CITI Bank and they just said there was nothing they could do. They forced me over to CITI Premiere since it has a annual fee of close to {$100.00} for just an additional point on the same purchases you can gain on CITI Thankyou Preferred. I feel that CITI Bank used deceptive practices to remove people from CITI thankyou Preferred card. Now I have to pay off this credit card by the first annual payment day and cancel the card, as I will do.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account XXXX XXXX, DEPT OF ED/XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX XXXX  Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXXXXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF ED/XXXX  Account XXXX xxxxxx XXXX, DEPT OF ED/XXXX  Account # xxxx XXXX, DEPT OF EDXXXX  Account # xxxx XXXX, DEPT OF ED/XXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account XXXX xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, DEPT OF EDXXXX Account # XXXX XXXX US DEPT OF EDUCATION Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # 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 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