BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Early Warning Services, LLC
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was the victim of a scam involving XXXX and the money service Zelle. I was selling a washer and dryer on the XXXX XXXX for {$520.00}. The person ( s ) interested contacted me via XXXX XXXX, asking about the price and if they could possibly pick them up that same afternoon. They asked if we could use Zelle to transfer the money from their account into mine. I agreed, and installed the application on my phone. They then told me that in order to transfer the full amount, I would have to upgrade my account to a " business account '', and they claimed that they would have to send me an additional {$320.00} for a total sum of {$850.00}. I had never used Zelle before to transfer money, and so I assumed they were telling the truth. The person I was speaking with insisted that they trusted me to refund the extra {$320.00} once the transaction was completed. I only had {$300.00} in my account, so that was what I sent them, under the belief that it was taking a while for the funds to appear on my end, as the buyer reassured me. I received a series of emails during the transaction process, claiming that I was to send them larger and larger amounts in order for Zelle to release the funds into my account. The final email was asking for my personal information, my bank account number, routing number, user name and password. I told the buyer over messenger that I was uncomfortable with this, and asked kindly if they could return the {$300.00} I had sent them using Zelle. At this point the buyer/scammer left the conversation, and in a panic I called my bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX if there was anything they could do to reverse or cancel the transfer, as it was still pending. They told me there was nothing I could do as I had " willingly '' sent the scammer the money and that I had to file the incident with the local police. I immediately contacted Zelle. They created a case for me, though they told me there was nothing they could do on their end for the same reason. Zelle customer support confirmed that the emails I supposedly received from them were not legitimate using the email addresses. The Zelle case number is XXXX. I will be filing a report with the local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: CA
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:
My credit report is showing late payments to WF/PREFERRED XXXXXXXX XXXX XXXX and WELLS FARGO CARD SER XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-10-15
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage with NationStar on XX/XX/XXXX2015. I received a letter 2 weeks later telling me that I would receive a check for my remaining escrow money XXXX {$680.00} XXXX as well as a check for overpayment on the mortgage XXXX {$99.00} XXXX. 
I was not sent either check. After contacting NationStar several times via their website, I was given a phone number to call for customer service. After a conversation on XX/XX/XXXX/15 I was told that I would be sent both checks and would receive them in 7-10 days. On XXXX/XXXX/15 I received the check the mortgage payment. By XXXX/XXXX/15 I had not received the Escrow check and contacted NationStar again. I was told that the dispersal of the check was 'denied ' by someone in the company, but the customer service reps did not know why. I was told on XXXX/XXXX/15 that the issue would be handled right away and the check would be expedited. I was due a call-back on the XXXX. I did not get the call back. It is well over the 30 days that Nationstar is allowed by federal law to return my escrow money and I have no faith that I will be returned this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX , XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX Inquiry Date, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2015-09-23
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've contacted Nationstar Mortgage on a number of occassions regarding my escrow account. Specifically, I am concerned that I am being charged mortgage insurance due to Nationstar 's negligence. The negligence is based on the appraisal that they ordered at the time I re-financed my mortgage. I understand that they contract an appraiser that is independent from the underwriting process, however, they should have qualified individuals on staff to determine if the appraisal they are considering is appropriate. First, Nationstar has a lien on XXXX separate properties with separte property index numbers. The appraiser combined XXXX properties and valued it as XXXX. By combining XXXX properties, the comps used to determine a value were not similar to my property. An additional issue was that they used foreclosed properties as comps. This type of property was not an indication of market value but distressed value. I 've researched this issue and it is in contravention to prudent appraisal guidelines. 
What is especially troubling is that the customer service departments ( general customer service, escrow department, etc. ) are not helpful and do not have the knowledge to handle my inquiry. After an over-extended period of holding, being transferred from department to another, and not knowing what " mortgage '' insurance is -- I somehow get disconnected. Regarding mortgage insurance, they continue to think that I am referring to property insurance. 
I understand that mortgage insurance is required on loans with an LTV higher than XXXX %. At the time I purchased my property this was, in fact, the case. However, the values are not being properly reflected. I have asked for another appraisal - one that values each property seperately and uses like-kind properties as an approriate comp. 
In my last contact with Nationstar, they informed me that I would be contacted by some representative from the appraisal department. I asked if this individual was an employee of Nationstar or an independent appraiser -- they were unable to discern the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CITIBANK, N.A.
State: FL
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:
A refund deposit to my Citi Bank Credit Card Account in the amount of {$17000.00} was made on XX/XX/XXXX due to a cruise cancellation. I requested a refund check on XX/XX/XXXX and was told it would take XXXX business days to process. I subsequently telephoned Citi Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX and again today, XX/XX/XXXX. I spoke with XXXX supervisors who apologized for the delay and that the check was mailed on XX/XX/XXXX. When I did not receive the check on XXXX XXXX, I telephoned again on XX/XX/XXXX and a supervisor told me how Citi completely mishandled this request, apologized for the delays and that the check amount would be directly wired into my checking account within XXXX hours. The XXXX hours have passed and still no funds have been deposited. I followed up with yet another call to Citi Bank today, XXXX XXXX and was told it takes XXXX days additional days for " approval '' for a wiring and then XXXX more days for the funds to be wired. 
This has been a time consuming, frustrating process in which Citi Bank has kept my money for over a month. I am requesting any assistance that the CFPB can provide. 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 monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: KS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 my rights has been violated? 

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
Consumer complaint received 2015-10-14
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My experience with Nationstar Mortgage has been a nightmare from the very beginning they purchased my loan from XXXX XXXX XXXX. XXXX XXXX XXXX was taking XXXX mortgage payment out of my checking account on the XXXX and the XXXX of each month only charging me {$4.00} additionally per withdrawal. I phoned Nationstar Mortgage to set this same type of payment plan up, was told I had to pay {$290.00} up front then they would take out XXXX a payment every two weeks to pay my mortgage off early. Which would have been great if I could afford to do, but not feasible for me and I could not understand why I had to pay them {$290.00} up front to get their payment. I then fell behind on my payments due to medical bills and other hardships, applied for a forbearance sometime last year only to be denied. I have asked them to do a 3 month deferment to try to get back on track so I can keep my home, but have only been told no to anything I have tried. I have tried forbearance, asked for deferment, asked about refinancing under a XXXX Loan, and even refinancing, was declined on all. When anyone calls me from Nationstar Mortgage it is always someone who can barely speak XXXX, they do not leave a message on my phone when I am unable to answer due to being at work. I have never experienced such a nightmare regarding a mortgage company. Nationstar Mortgage has called me on several occasions before XXXX and after XXXX. many times when they call they hang up without even speaking to me. They will call me and hang up as soon as I answer the phone. This is a nightmare and doing the best to keep my home which I owe far more than the home is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I went to check my credit report in I saw that the credit bureaus has a report bankruptcy on my credit in it has stopp me from moving in my process into buy a home

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: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Every last dispute I put in with evidence was either not deleted or deleted and placed back into my 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 explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them.

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX Employees/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act 31 use 3729 - 3733. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following.. 

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge. 
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 2023-10-24
Company: EQUIFAX, INC.
State: GA
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 been using Chase Credit Card for more than a year, with XXXX XXXX and XXXX XXXX. As of last month, I have accumulated a total of more than XXXX points without spending any of them. 

On XX/XX/XXXX, I found that I only had a XXXX XXXX Chase UR left. I clicked on the activity and found that all the points on the two cards were converted to XXXX gift cards on XX/XX/XXXX. The email that received the cards was the email bound to my Chase. But It was not me! They were stolen. 

I checked the login records of the email and failed to find any emails regarding XXXX gift cards. According to the activity records of Chase 's two cards, the operator even knew how to round up the transfer points between the two credit cards. 

I contacted customer service on XX/XX/XXXX and submitted applications for UR point recovery ( for my two cards ). They gave me a new card and changed my account login information. 

I just received two mails today and found out that my requests were rejected by Fraud Department! Reason - you received benefit from the transaction. Before that, every time I called Chase customer service to check in on the progress, it took me over an hour. Even though I was transferred four or five times, I still couldn't contact the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Chime Financial Inc
State: WV
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:
Received several emails from ChimeXXXX to verify my email and credit card direct deposit option also says I have an account .....

Company response to consumer: Closed with explanation