BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I refinanced a beach cottage that I have owned for 15+ years with Movement Mortgage. When I did so I was surprised they required me to increase my flood insurance ( even though the insurance had been fine for the prior 15 years, even when the mortgage was larger ). The terms were so good with Movement I increased the insurance as they required. I submitted all documents to the processor - XXXX XXXX - he processed them. Closing went reasonably well and the loan was issued ( # XXXX ). Then the issues started : 1 ) A month later ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX stating that I had inadequate flood insurance. They had the original amount not the new increased amount. I forwarded that to XXXX on XX/XX/XXXX and he apologized for the error, said it would be fixed. 2 ) On Saturday XX/XX/XXXX I got a second letter dated XX/XX/XXXX again stating I had inadequate flood insurance. On Monday XX/XX/XXXX I sent this to XXXX again and he again apologized, assured me all would be corrected. 3 ) On Sunday XX/XX/XXXX I got in from a weekend trip to find a letter dated XX/XX/XXXX stating Movement had force placed flood insurance on my home. On Monday XX/XX/XXXX I again send the letter to XXXX with the expectation by XXXX Wednesday XX/XX/XXXX it would be corrected, I would have documentation it was corrected, and any premiums / interest / etc would would be refunded in full or I would escalate. Again he apologized and provided that requested information by Wednesday XX/XX/XXXX XXXX. 4 ) On Tuesday XX/XX/XXXX I received yet another letter dated XX/XX/XXXX stating my home was underinsured for flood insurance and they may force place it on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: MO
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:
The following inquires I have absolutely any knowledge of, ( 1 ) XXXX   Card XXXX, ( 2 ) XXXX XXXX , ( 3 ) 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 2023-07-05
Company: Securus J Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jpay arbitrarily listed a simple charge card of {$5.00}. The representative listed it as a cash advance fee and I now am paying {$40.00} for this charge. The representative was very rude and I think, purposely did this. I want this company reported for incorrect charges and false listing of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2019-09-06
Company: Jim Bottin Enterprises, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My debit card was lost in XXXX of 2019. When the replacement card came in, the automatic payment od gym membership fees has not switched over. My dues have not been taken out since XXXX of 2019. Since XX/XX/XXXX2019 there were no communication to me from either XXXX XXXX ( XXXX ) or ABC Financial Services ( tel XXXX ) to notify me of the issue. I have regularly attended the gym and scanned my ID but no indication or notification was given and no letters or other communications were sent to me attempting to remedy the situation until I was notified on XX/XX/19 that I can not access the gym and that my account was referred to collections. XXXX XXXX club manager said that allegedly one email was set to the email on file on XX/XX/19. I do not have any emails from them regarding the status of my account. I disagree with the way XXXX XXXX managed this matter. They did not clearly disclosed how they manage late payments. They failed to notify me properly about my account status. They referred me to collections without giving me the opportunity to remedy the situation. Now I have a collection record on my credit history and I feel it should have been taken care of in a more transparent way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-18
Company: Upgrade, Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having an issue opening up an Upgrade Rewards checking, savings, and credit card account. Upgrade is refusing to open up any accounts for me due to me having a current bankruptcy on my XXXX XXXX, XXXX, and XXXX credit report. Upgrade is discriminating against based on my race and me having a recent bankruptcy on my credit reports. Upgrade is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. I want Upgrade to immediately approve and open up a Rewards checking, savings, and credit card account for me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX 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 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 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 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 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 explanation
Consumer complaint received 2021-04-06
Company: Flagstar Bank, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi. This issue started awhile back as Flagstar No longer is my loan servicer. When my realtor pulled the title on my home it shows a lien for 40k due to a partial claim second mortgage filled in my county. I was not aware of this as my loan modification I kept attempting never went through or was finalized due to mess up after mess up on flagstars end. And then my loan was transferred so a modification was never in place. Now Im stuck and can not sell my home due to this I have been calling for two months straight day in and out several times a day and basically takes to every department there. Ive literally begged and pleaded to talk to higher ups or supervisors anything that can simply see I need a lien release that this was filled in error. One 2hr call the one man did clear as day see the error as well as some others and I was assured I wouldnt have an issue that in 3-5 days I would have my release and could close on my home that I had already had to push back one time prior thanks to them! Its been a complete nightmare and I am risking being sued because Im in a contract with the buyers but cant sell without a release that I most definitely should not be going to battle to get as Flagstar Bank and their extremely non compliant ways have messed up big time on this. They put me off on the county, the new mortgage holders, HUD, FHA, and everyone else they say to call. No one has record of this except flagstar and the county flagstar sent it to to be filled. I can not take the run a round anylonger on this huge mistake they made causing me this XXXX! Please help ASAP! Im getting no where with them. I sit on hold for hours on end being transferred to 12 people in one call. Its horrible! Ive been hung up on disconnected and transferred without notice daily I dont know what to do from here my house was to be closed on several times now and Im risking being sued by the middle of this week .. this is extremely urgent please understand I dont know what else to do Ive done everything in my power and spoken to as well as emailed anyone I could. Thank you so much!!!

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 2020-12-31
Company: ALLIANT CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not used my Alliant cashback signature Visa in months. I received no notice of the occurrence of an annually fee. Upon learning of the fee I sought to cancel the card and obtain a refund and was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted regional acceptance on XXXX/XXXX/2020 and I told them I will hire an attorney to take over my case ... and now they want communicate with me ... they said since Im going to hire a attorney the cant no longer talk to me. The rep ask me so you hiring an attorney and I said yes! I am XXXX because Im accused of a debt that I didnt do how could they give a person a auto loan that was making 15 hours a week Logged on my work history I have never made over 40 hrs with XXXX  in XXXX XXXX nc this 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 explanation
Consumer complaint received 2023-02-25
Company: Genesis FS Card Services, Inc.
State: AZ
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 this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states, a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Financial Business and Consumer Solutions.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by a company saying they are representing XXXX XXXX I have never gotten a bill from this company they still want to call me with no verification of debt no paper work just harassing calls for money with no verification of debt they are collecting. The company was told to stop calling they continue to call knowing they have been advised to stop calling this is harassment and not business you have never sent verification of debt nor proofing who you are that you have a right to call you have been told on numerous occasions to stop calling but yet you continue to call and state you will call again when you were advised to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 opened a dispute on XX/XX/XXXX with Citibank, N.A ( Case # XXXX ). that Citibank did not post a {$3400.00} refund by XXXX XXXX to my credit card on XX/XX/XXXX because of a cancelled cruise ( Covid ). I made a final payment for the cruise of {$3600.00} on XX/XX/XXXX for a total {$5600.00} charged for the cruise to XXXX XXXX. 

The following refunds to my account occurred on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$110.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX FL - {$240.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL - {$520.00} Total XXXX But the {$3400.00} amount part of a trace number XXXX was missing. XXXX XXXX has confirmed that they released the refund of {$3400.00} as well but Citibank did not post it to my Credit card account. The Citibank dispute center released a document from XXXX XXXX confirming the {$3400.00} amount was refunded from XXXX XXXX 's bank to Citibank reference number XXXX. Citibank keeps trying to say the XXXX of refunds was part of the {$3400.00} even though XXXX XXXX has confirmed it is not on the phone and in writing. 

In XXXX, Citibank added {$1100.00} to my account for an unexplained reason. The dispute center has started telling me just wait 10 more days for 4th time in a row without providing a written update or cause. I have paid Citibank to cover amount not returned to my account. I last spoke to Citibank on XX/XX/XXXX and they said they still need to contact the merchant again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : - XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, Account - 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 an account without my 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 2019-03-18
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX/XXXX billed me by snail mail AFTER the first payment cycle was due! They provided no online access instructions or emailed bill prior to this. I paid immediately upon receiving their written communication in the mail after signing up online, 2 days after their due date. They then refused to refund a {$25.00} late fee ( that they assessed on XX/XX/XXXX but backdated to XX/XX/XXXX! ) or a {$7.00} finance charge. All charges were assessed for merchandise that had actually been returned for poor quality. They also claimed I had failed to sign up for online statements though they had not yet provided me with the opportunity to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
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:
This is the several times I've complained about some erroneous items in my report. You must correct and update these items that were opened without my knowledge, consent, or authority within XXXX business days.These items are damaging my file and needs to be updated or deleted. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records despite multiple written request. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-10
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX dollars was transferred in to a square account. 

XX/XX/XXXX I tried to transfer the money out and make a purchase, it was denied. 

On XX/XX/XXXX I got an email saying my account was closed and I can wait 3 months latest XX/XX/XXXX for my money to be returned. 

On XX/XX/XXXX communication with 2 customer service representative that had no information but please see terms and agreement XX/XX/XXXX communication with a manager who stated I needed to complete a form and it wasn't complete so they closed it. He reviewed my account as I stated I received nothing form them not an email, nor app nor anything else. He said unfortunately it's the banks they partner with and I had to wait. 

XX/XX/XXXX I got a debit card from Square stating to activate. My account is frozen and I can't activate it.

Company response to consumer: Closed with explanation