BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-07
Company: Experian Information Solutions Inc.
State: MD
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:
SECOND REQUEST : Refer to my prevoius complaint XXXX. 
I am requesting to have an incorrect address removed from my credit report. 

In XXXX XXXX, my then-husband, now ex-husband, XXXX XXXX XXXX moved out of the family home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. At that time, we had a joint mortgage with XXXX XXXX. When XXXX XXXX changed his address with XXXX XXXX, XXXX XXXX mistakenly changed my address, as well. XXXX XXXX resided temporarily at : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX for the period approximately XXXX XXXX XXXX XXXX, before he relocated to North Carolina. At no time did I relocate from my home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. I have resided at XXXX XXXX XXXX XXXX continuously from XXXX XXXX through the present. 
In XXXX XXXX, when I received written notification that XXXX XXXX had changed my address from XXXX XXXX XXXX XXXX, XXXX, MD to XXXX XXXX XXXX, XXXX MD, I ( 1 ) immediately notified XXXX XXXX of their error and ( 2 ) requested that my address be corrected to : XXXX XXXX XXXX XXXX, XXXX MD. XXXX XXXX has a record of that telephone call, as it took place on a XXXX XXXX recorded line. 
Pursuant to the Martial Settlement Agreement and divorce, the XXXX XXXX ( joint ) mortgage was retired in XXXX XXXX ; I obtained a new XXXX XXXX ( individual ) mortgage. 

** Please remove address : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX from my credit report. **

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 2017-10-07
Company: Stearns Ventures, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX, Stearns Lending made a tax payment of {$2200.00} from my escrow. I notified Stearns approximately 2 weeks later that this was not my correct tax amount and sent them a copy of the correct tax bill. I did not receive a return call but did receive an escrow refund of {$1200.00} XXXX issued XXXX/XXXX/XXXX ) which was not needed nor appropriate because if they had paid the correct tax amount no refund would have been needed. 

I then deposited the escrow refund and went to the XXXX XXXX, MD tax office in an effort to pay the remainder of the tax bill only to find that no payment was applied to my tax account. I also learned that the tax amount paid was directed by Stearns to the wrong property. I called and notified Stearns of this issue with the specific account numbers and advised Stearns that the tax office advised Stearns would need to seek reimbursement from that owner and would still need to make payment for my tax bill which was due XXXX/XXXX/XXXX. 

I called Stearns again approximately every 3 weeks or so each time being told the tax department was looking at the issue. On one of these occasions in XXXX XXXX, I was told the tax department had a follow up date showing of XXXX/XXXX/XXXX. I have never received any communication ( phone email or mail ) initiated by Stearns despite my requests to be contacted by the tax department supposedly working on this issue. To date, XXXX/XXXX/XXXX, I have not received reimbursement to my escrow account for the incorrectly applied withdrawal of {$2200.00} and have not had any payment made from my escrow to the tax bill properly owed. Based on my numerous notifications to Stearns Lending on multiple occasions and over 2 months passing since that notification I consider these funds to have been stolen as they have failed to exercise even the most basic of fiduciary duty in their exercise over my escrow account. Additionally, this is beginning to result in the assessment of interest charges by XXXX XXXX, MD tax authorities. 

In addition to this issue, Stearns also noted that they did not know who the insurer was to cover that issue although the policy and payment was shown on the settlement and did not change.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-11-11
Company: Santander Consumer USA Holdings Inc.
State: SC
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 provided all the proof needed to show Santander Consumer USA was chasing me for a debt from the fraudster who used my social security number for years until my wife passed away back in 2018. I contacted this company and they told me they were denying my claim, even with a stamped certified, notarized police report that this was NOT me, and I was a victim. This company lied its XXXX off in reply to my other complaint. I am including that letter of lies from them, and a shot of the account on MY CREDIT FILE, even though the fraudster had a different name, state, and address than me. Plus different work info. This company lies and placed that account back into my file after I gave this company my correct information. That is ILLEGAL. Taking my info after my ID THEFT claim, and putting it into the FRAUDULENT account. Stop them, demand this company to remove that fraud account from my SOCIAL SECURITY number innediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MS
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 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 Bum. 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 XXXX 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 XXXX admitted they had my police report XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2021-05-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the Chase Freedom Unlimited credit card account. They advertise a 5 % cash back reward when you book travel through their Chase Travel site. That is exactly what I did, but I did not receive the promised 5 % reward. When I called to complain about the discrepancy the clerk referred the matter for correction, as she could not explain the discrepancy. 
The dates and amounts are as follows : XX/XX/21 {$330.00}, XX/XX/21 {$160.00}, and XX/XX/21 {$92.00}. 
Today I received a reply back from Chase stating they were crediting me ONLY a 3.5 % reward, and ONLY for the XX/XX/21 charge. 

Please help me rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00}

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 2021-05-16
Company: EQUIFAX, INC.
State: MN
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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Deutsche Bank
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In USA the legal transfer fees commission is {$15.00} for all XXXXnstitution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a {$14.00} billion settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XXXX XXXX XXXX and I will explain what is going on. XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX  XXXX REF :  XXXX REF XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XXXX XXXXMy name is XXXX XXXX and since XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is XXXX XXXX. In XXXX there is collected a commission of XXXX XXXX. Deutsche Bank XXXX transfer to NY XXXX XXXX. Deutsche Bank will take in NY another commission of XXXX XXXX so the amount received is only XXXX XXXX. The rate used to exchange it in US is XXXX = {>= $1,000,000} so for XXXX XXXX I got {$XXXX}. In XXXX the payment is very late and I can never count on it but there is an exchange rate of 1 XXXX  = {$0.00} OR 26 % COMMISSION. For XXXX XXXX, XXXX the real and official exchange rate was XXXX XXXX = {$1.00}. The rate used by Deutsche Bank NY is XXXX XXXX = {$0.00} and this is another abuse. Today XXXX XXXX the rate is XXXX - {$1.00} and the rate used for my transfer after all fees taken is XXXX XXXX - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation XXXX XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of XXXX XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from USA. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging XXXX XXXX commission for international transfer fees. Since they take a commission in XXXX of XXXX XXXX and another one in XXXX. of XXXX XXXX for each XXXX XXXX Transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Debtsy Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft crimes. The criminal ( s ) used my identity to apply for many credit cards, used them and left without paying. I filed for a police report and explained my situation to all the banks and collectors. I called and talked with some collectors, emailed them the police reports. Still, some collectors chased me asking me to pay, even if they knew I was a victim and they got the police report. 

One of this collector is called Debtsy. Here 's the contact : XXXX at XXXX | XXXX  XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX How did they get my email address? When I called and talked to someone at Debtsy, I offered to email them the police report. They got my email and police report. Instead of believing what I said, they continued writing to me, asking me to pay. These banks issued credit cards without adequately checking the identity of the applicants. They approved the applications without even seeing the applicants. 
Here 's what I received from XXXX, " I work with Debtsy, the company hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but is currently owned by XXXX XXXX XXXX, XXXX. We're contacting you about your overdue balance of {$720.00} for the account ending in XXXX. '' By the way, I have already called XXXX XXXX many months ago and also contacted XXXX XXXX XXXX about this debt being the result of a fraudulent act, not my own doing. Still they sent it to the collector. It is frustrating and it's so hard to get rid of these people. 

By the way, they also added it to my credit score. I was victimized not once but more than twice, first by the identity thieves, second by the banks and the collectors!

I would like to see the identity thieves, the banks and their hired collectors receiving due punishment for they have wrongly done. I'd like to see justice is done and the innocents are protected in the end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a collection from Credit Control which brought I debt from XXXX XXXX XXXX XXXX who brought the debt from XXXX XXXX XXXX. XXXX XXXX is the originator of this fraudulent credit card which I have went to court in XX/XX/XXXX and received a dismissal on. This account is fraudulent and supposed to be closed out however it keeps on being sold. This is illegal. I have attached my report that I received from Portfolio that proves this. This is a XXXX   XXXX account that been determined as fraud. I am a victim of identity theft and this needs to be removed immediately. The original balance was stated at being XXXX however with fees is showing of {$560.00}. I did a police report in XXXX when all this started happening.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, I submitted a signed letter to XXXX, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX  and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX  an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2021-11-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have submitted a pervious complaint in regards to this matter, now on top of the XXXX they initially took, my account is now overdrawn by {$160.00}. I would like my account to be refunded the overdraft fees they have charged me. this is ridiculous. They continue to charge me overdraft fees, when they are the reason my account is overdraft. This is ridiculous. I am attaching the screenshots of my account to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXXX/XX/XXXX - Filed Ch XXXX Bankruptcy/Mortgage charged off -Continued to struggle after bankruptcy and unable to make mortgage payments -XX/XX/XXXX Nationstar began foreclosure proceedings against us while continuing to make loan modification offers to us that were not affordable. 
XX/XX/XXXX through JXX/XX/XXXX - we sent numerous letters - faxed and followed up with hard copies sent by certified mail with return receipts explaining our financial situation, literally begging for a viable solution, while all the time Nationstar was racking up more interest and penalties. 
-XX/XX/XXXX - Nationstar sent us a flyer stating " Mortgage Help is available '' inviting us to a 'Help for Home Owners community event at the XXXX XXXX XXXX. 
XX/XX/XXXX - We met with a Nationstar representative who told us that the mortgage company would carve off {$140000.00} from our mortgage balance in order to facilitate a monthly payment we could afford and this {$140000.00} would go into an interest-free bucket which would eventually be forgiven once all the dust settled from the XXXX crisis. THIS 'FORGIVENESS ' NEVER HAPPENED. 
When we bought our first home after renting for 25 years in XXXX, the amount of our mortgage was {$410000.00}. Today, after almost 15 years of making mortgage payments, our mortgage balance with Nationstar is {$440000.00} ( when they add the {$140000.00} in the non-interest bearing portion ). The fair market value of our home is way below {$440000.00}. How is it legal or ethical that after 15 years of paying ( with an 18 month period of non-payment ), we owe {$24000.00} MORE than the original mortgage amount? Not to mention our mortgage term went from 30 years to 45 years! I'm XXXX years old and my husband is XXXX ... we will NOT LIVE to see the day when our mortgage is paid. Something isn't right. We have contacted Nationstar countless times and NO ONE gets back to us. We sent emails with 'Read Receipts ' that were opened and ignored. We sent an email to the president of Nationstar ... no response. We believe we were coerced into an agreement that took advantage of us and is completely unfair but so far, Nationstar ( now Mr. Cooper ) does not respond to our pleas for explanation and/or forgiving the {$140000.00} as they implied when they convinced us to agree to the mortgage modification plan in XXXX.

Company response to consumer: Closed with explanation