BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a credit card on XX/XX/XXXX and was immediately denied. The credit card told me that a forbearance was placed on my credit rating. When I obtained a copy of my credit report, I noticed it was Sterling National Bank. I've been paying my mortgage in full since I initially got the mortgage through Astoria Bank. IT IS PAID ON TIME IN FULL EACH MONTH. I HAVE NEVER BEEN LATE WITH A PAYMENT, EVEN DURING THIS PANDEMIC. I AM STILL PAYING MY MORTGAGE IN FULL EVERY SINGLE MONTH. 

I remember having a phone conversation with a representative in Loss Mitigation in XXXX and asked what " forbearance '' meant. She explained the process, and at the end of the call, I told her I was NOT interested. She acknowledged that I was not interested, but still placed my account into forbearance. She apparently did not understand what the word " NO '' MEANT. 

When I called the bank ON XX/XX/XXXX to ask them why they placed my mortgage into forbearance, knowing I did not want that option, and knowing that I've been paying my mortgage in full, they did not give me a reason. In fact the customer service representative in Loss Mitigation on XX/XX/XXXX, XXXX, told me that she was not the representative who put the mortgage into forbearance, and it was not her fault. 
She admitted to me that the XXXX phone records indicated that I WAS NOT INTERESTED IN A FORBEARANCE. However, she refused to send me the phone records unless I had a court order. She took NO Accountability ; NO responsibility for the bank 's grave error. 

She told me that someone from the bank would be getting back to me within 24 hours, but no one has since that phone call - over a week later. She lied to me. My mortgage is still in forbearance ; no one from Sterling National Bank has reached out to me to apologize or to even reply that they are fixing the issue. NO ONE HAS REACHED OUT TO ME in over a week. 

I filed a complaint with the OCC ON XX/XX/XXXX, since the 24 hours passed and no one from Sterling National Bank replied to my complaint about the forbearance. 

I am filing this complaint now with the Consumer Financial Protection Bureau at the advice of a friend who has knowledge on the subject of mortgages and told me that banks use this tactic to prevent the mortgage holder from refinancing a mortgage - it is way for the bank to block me/force me to keep the mortgage with them. I learned that when an account is in forbearance, the person can not apply for any credit cards, nor refinance a mortgage. Since rates are low now, banks do not want their customers to shop around. 

BEWARE OF STERLING NATIONAL BANK. THEY ARE NOT HONEST ; THEY DO NOT TAKE ACCOUNTABILITY FOR THEIR ERRORS. 

PLEASE INVESTIGATE THEM. THIS WAS AN UNETHICAL MOVE OF THE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. MACYS/CBNA reporting a charge off account for amount {$17000.00}. XXXX XXXX XXXX is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

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 2019-01-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a XXXX/XXXX card, with insurance from XXXX  XXXX! In XXXX my dad became ill, and I called on this card 3 times to use the insurance. I was advised 3 times from XXXX to XXXX that I did not have insurance on this account from XXXX! In XXXX I get a letter that my XXXX  XXXX insurance had been terminated for not meeting the minimum payment? 

XXXX  XXXX has been paid from XXXX through XXXX and they stated that there was nothing that they could do to resolve this issue, and referred me back to XXXX, which also informed me that it was a separate company and it was nothing that they could about it! 

Please help I feel that this is an unfair business practice! One of these companies took my money for a service and would not honor the service when I needed it! Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

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 2023-04-21
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:
In XX/XX/2023 a third party deposited a check in the amount of {$14000.00} into my US Bank checking account. He was told by his bank that there would be a 10 day hold on his check. He felt bad that I would have to wait XXXX for the funds to be good so he stopped payment on his check and immediately sent the funds thru XXXX into my account. I then tried to withdraw funds from my account and I was told my account was frozen. At that point my checking account balance was {$15000.00}. They said my account was being investigated. For what I do not know. They did not tell me. I personally did nothing wrong and the bank was not out any money. I called the fraud department several times and they said the only person to give me an update was the branch manager at my bank. The branch manager says she can not give me an update and for me to call the fraud department. I've been getting the run around for three months now. I do not know why my account is even being investigated and I do not know why does it takes that long to get my funds. I am very frustrated at this point. Please help me.

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 2023-04-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. XXXX reporting a charge off account for amount {$17000.00}. LVNV Funding LLC is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: SYNCHRONY FINANCIAL
State: CA
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:
To Whom It May Concern, I am writing to file a complaint regarding the way my credit card payments are being distributed between my Regular and Equal Pay/No Interest accounts with Lowes Synchrony Bank XXXX My assumption was that when a payment is made to my credit card, the store purchases are paid off first and the remaining amount is paid towards the Non-Interest amount. However, the bank has it set by default to distribute the payment evenly ( by percentage/or flat {$3.00} minimum? ) between the Regular, interest accruing account and promotional non-interest accruing account. I was not given an option to choose how my monthly payments are distributed. 

When I spoke to a representative about this issue, they stated that I would have to call and file a request to payoff the Regular balance, making XXXX not necessarily auto pay. This is an unreasonable solution, as it puts the burden on the customer to make sure that the payments are being distributed correctly. 

For instance, the account is split between Regular ( {$65.00} ), XXXX XXXX/No Interest ( {$2500.00} ), and XXXX XXXX/No Interest ( {$1100.00} ). I made an Automatic payment of {$120.00}. The payment deductions were as followed for Feb/March/Apr statement : Regular ( - {$3.00} ), Equal Pay/No Interest ( - {$83.00} ), Equal Pay/No Interest ( - {$39.00} ). There is a MINIMUM {$2.00} INTEREST CHARGE. If I weren't to catch of to how my payments were being distributed, this {$65.00} balance in reality would equate to {$100.00} ( {$64.00} purchase + {$44.00} accrued {$2.00} interest over 22 months ). 

( $ XXXX {$3.00} per month ) = ceiling ( XXXX ) = 22 months. 
22 months * {$2.00} INTEREST/MONTH = {$44.00} I believe that this practice is unfair and deceptive, as it prevents customers from paying off their high-interest debt first, and ultimately results in customers paying more interest charges over time. I request that Lowes Synchrony Bank change this practice immediately, and give customers the option to choose how their payments are distributed. 

Thank you for your attention to this matter. Please let me know if you need any additional information from me. 

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 2022-04-14
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2023-12-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
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 received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX  XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.

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 2023-01-06
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account with square XXXX XXXX was deactivated with no cause. I called to inquire about the problem and was purposely hung up on when asking to speak with a supervisor to help me. When calling back I was told there was so called suspicions activity and that there was nothing I could do and I would need to wait 90 day for any refund. I was never notified that the account was deactivated, I was never given an appeals or a chance to try to correct the problem, if there truly was one. After looking online I see that this is a normal practice for this company and they are accountable to no one. I have over {$3100.00} frozen and no one can tell me why. I have incurred other banking fees and cant pay my employees because of probably some crazy XXXX this company uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX  XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX and XXXX. Thank you

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 XXXX data breach and may have got into the hands of the wrong person.

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 2019-06-17
Company: EQUIFAX, INC.
State: MO
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 been a victim of the dark web, along with losing my identification and ssn card years ago. I'm demanding that these unauthorized accounts be blocked from my credit file. 

[ 1 ] Dept of ED/XXXX {$7300.00} [ 2 ] Dept of ED/XXXX {$3000.00} [ 3 ] Dept of ED/XXXX {$5400.00} [ 4 ] Dept of ED/XXXX {$3900.00} [ 5 ] XXXX XXXX XXXX  XXXX [ 6 ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXXT Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2023-12-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Credit card had identity theft. They referred me to XXXX XXXX XXXX XXXX to work out. I paid a fee and Chase just charged off and reported even though identity theft. 
The Chase vendor assured me that would not happen at enrollment

Company response to consumer: Closed with explanation