BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX appeared on my XXXX credit report. 

XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I contacted Aspire, a credit card company, regarding an incentive program that was advertised to me. The program offered a {$25.00} credit to enroll in autopay. Upon enrolling the credit did not appear on my account prompting me to reach out to customer service. After reaching out to customer service, the representative ( XXXX ) informed me that my account had been closed due to " inactivity '' on XX/XX/2023. 

I then informed the representative that I had received NO alerts, letters, or details regarding the closure and was unsure how that was possible as ( seen on my statements ) I had just paid off the entire card and used the entire line of credit at the end of XXXX and beginning of XXXX. I relayed this information, however the representative replied my account was permanently closed. 

This closure is clearly a false closure that will affect my credit score. I am seeking help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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 is missing that should be on the report

Complaint:
I was added as an authorized user on this XXXX credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with XXXX as well as transunion. This account is not showing on any of my XXXX credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against 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 2022-09-10
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-02-10
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 my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: TN
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:
My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, Equifax, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, XXXX is still waiting for XXXX to respond and Equifax closed the dispute, stating that they verified that the accounts are mine. Equifax has no intention of removing the XXXX accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son  in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that Equifax could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but Equifax and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
RE : American Express Dishonest Customer Representatives I had been a card member of American Express since XXXX, and I had been asked to upgrade my membership but I did not want it because a new fee was {$250.00} instead of {$160.00} per year. 
On XX/XX/XXXX, XXXX XXXX from American Express told me that if I upgrade my membership and spend {$1000.00} for the first month, I would get XXXX point ( {$250.00} cash value ), and the fees would be prorated and I would be able to go back to my old membership if I want. 
However, cash value of XXXX point was only {$120.00} and when I tried to go back to my old membership sometime in XXXX, they told me that it was no longer available. Then, I realized that I had been deceived by XXXX XXXX. Then, I decided to cancel the entire membership but whenever I call them, they did not let me close my account, so it took very long to close my account, so I was charged fees for nothing by American Express. 

When I spoke to XXXX XXXX for hours to close my account on XX/XX/XXXX, finally he accepted to close my account and told me that I would get a refund of half of my membership fee ( $ XXXX {$120.00} ) within a month, but I have never received it. However, I have found that my refund was not processed at all when I called American Express on XX/XX/XXXX. I do believe that I was deceived by American Express. 

Could you please have American Express to pay me back my membership fee of {$120.00}? I have no outstanding bill, so I am entitled to get a refund. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. XXXX. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I am writing to bring to your attention a concerning matter involving Shellpoint Mortgage, the servicer for my loan with the following details : SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, TX XXXX Loan number : XXXX Over the past year, I have encountered significant challenges with Shellpoint Mortgage concerning their imposition of forced insurance on my property ( condo ). They assert that the XXXX XXXX XXXX XXXXs incorrect, prompting the placement of an additional policy. Despite my repeated attemptshaving sent them the insurance policy over XXXX timesShellpoint Mortgage persists in maintaining this forced insurance, which exceeds the necessary coverage. 

My primary concern is that Shellpoint Mortgage may be exploiting this situation for financial gain, as they have yet to refund the imposed insurance charges, even after receiving documentation directly from the condo association confirming the accuracy and sufficiency of the XXXX XXXX XXXX. 

This issue has resulted in an undue financial burden on my part, as I am currently responsible for XXXX separate insurance policies : the condo master policy, a XXXX personal policy for the interior, and the Shellpoint forced policy. The annual cost of the Shellpoint policy is a staggering {$5000.00}. Regrettably, my attempts to resolve this matter directly with Shellpoint Mortgage have been unsuccessful for nearly a year. 

Additionally, I would like to bring to your attention that there have been several lawsuits settled with Shellpoint Mortgage on this same issue, indicating a recurring problem that requires immediate attention. 

I kindly request your office 's assistance in investigating this matter thoroughly and facilitating a resolution. The enclosed documentation provides evidence of my efforts to comply with Shellpoint 's requests and the XXXX XXXX 's affirmation of the XXXX XXXX XXXX 's correctness. 

Your intervention is crucial in securing a refund for the unjustly imposed forced insurance and addressing the potential financial misconduct by Shellpoint Mortgage. I am at a loss for further action and would greatly appreciate your guidance and support in rectifying this situation. 

Thank you for your attention to this matter. I am hopeful that your intervention will lead to a fair and timely resolution. 

I've also attached today 's request that was sent to Shellpoint. They have refused the documents for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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:
was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-05-25
Company: SYNCHRONY FINANCIAL
State: OH
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:
Transaction XXXX A fraud transaction with XXXX XXXX  took place on my PayPal Synchrony credit account ( managed by Synchrony Bank ) back in XX/XX/2021 for {$430.00}. I was inadvertently refunded for the fraud sale twice. Therefore, my PayPal Synchrony credit account was credited {$870.00}. This created a credit balance on my PayPal Synchrony credit account. I contacted PayPal Synchrony credit in XX/XX/2021 to make them aware of this because I had purchases that I wanted to make using my PayPal Syncrhony credit account. Nothing was done. I made purchases with my PayPal Synchrony account in the meantime. Eventually, the additional refund was debited back to me in XX/XX/2021, which was expected. However, the debit of {$430.00} ( to correct the duplicate refund they gave me ) posted to my PayPal account, not my PayPal Synchrony credit account like it should have. Therefore, my PayPal account ( which is completely separate from PayPal Synchrony credit ) is negative by {$430.00}, my PayPal account has been disabled until I pay the {$430.00}, and I am in collections with PayPal. This was all out of my control and not my fault. Yes, I owe the {$430.00}, but not to PayPal. I owe it to PayPal credit for purchases that I conducted on my PayPal Synchrony credit account after my fraud claim. PayPal credit allows you to pay over time. I want the fraud credit reversal off of my PayPal account and placed onto my PayPal credit account where it belongs. I have called PayPal, I have talked to PayPal collections, I have talked to PayPal credit. Nothing has been resolved and no one is giving me any solutions.

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 2023-10-27
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: Credit inquiries on your report that you don't recognize

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 Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX 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 response to consumer: Closed with explanation