BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I months ago signed up for a service provided by experian for XXXX dollars designed to help Victums of I 'd theft and uphold the law. We all know that service should be free. Regardless I have submitted affidavits and police reports along with proof from their own third party. Reporting system and IRS affidavits that this info is inaccurate and related to 10 years of Id theft. They have been impossible to deal with and I was told by experian people in that department that experian does not fall under the same law that the other XXXX CRAs do and that any part of XXXX of the FACRA holds no weight. I have sent deletion letters from those creditors and still they scoff. Please see attached files and their responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Upgrade, Inc.
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:
XX/XX/2021 pre approved for {$20000.00} of credit from Upgrade. No outstanding documents are required. 

I called as the email suggested. The Upgrade service representative asked me for additional information including my tax returns. 

I declined as the represented pre approval with the credit checks they performed and asked that my application be withdrawn. I was told it would be. I sent a note to the service email address the same day, XX/XX/2021. 

XX/XX/2021 I received another notice asking that I call Upgrade as I am pre qualified for a personal loan. I sent my third note asking that my name be unsubscribed and again asking that my application be withdrawn, thinking the matter was closed. 

XX/XX/2021 I received a notice from Upgrade saying my request could not be approved at this time. 

What kind of nonsense is this? Its not factual. Its not appropriate or consistent for the offerer to play pretend that I withdrew my application 4 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. During 1 month period, Chase has done multiple DUPLICATE DEPOSITS ONLY TO HAVE them all SUBTRACTED. EVEN THE TELLER PUT THROUGH deposit TWICE. EVEN WHEN I DISPUTE IT IS PUT THROUGH TWICE. CHASE IS DOING THIS SO WHEN I SEE DEBIT I WILL OVERLOOK Chase WITHDRAWING MONEY. FOR THIS TO HAPPEN 3 TIMES IN 1 MONTH IS NO ERROR. 
2. I TRIED TO DO A PURCHASE YESTERDAY-5 TIMES MY CARD WAS DECLINED. CHASE ADMITED TO  MONITORING AND DECLINING MY CARD 5 TIMES. WHY IS CHASE PERSONALLY WATCHING MY TRANSACTIONS BUT NOT THEIR OWN DEPOSITS? I WOULD LIKE TO KNOW-WHEN I CALLED, CHASE REPRESENTATIVE LIED AND SAID I DIDN'T RESPOND-BUT CHASE NEVER CONTACTED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent XXXX letters to XXXX XXXX servicing requesting them to file for the excess funds available at the XXXX XXXX Tax accessors office. I paid the redemption fee and interest in order to prevent foreclosure. A XXXX claim deed was filed in XXXX XXXX releasing the tax sale purchaser from claim to property. Last letter, XXXX XXXX, 2022 including all documents for them to file claim. 
Loan number To collect the remainder of the funds, PHH as the secure interest holder must make claim and settle security deed. 
I spoke with PHH representative of XXXX XXXX, 2022. He stated the PHH attorneys only had to pay the payoff quote. I explained, " Excess funds are subject to priority claim by mortgagee or security interest her. The record owner of the property at the time of a tax sale may claim the overage only if the property is not encumbered by a mortgage or lie, or if there are fund remaining after the mortgagee has satisfied security claim. '' All I am asking after XXXX plus months of attempting resolution is for PHH to make claim and satisfy security deed. 
There is in excess of {$170000.00} available. Security deed will be satisfied by less than {$56000.00}. 
Can you please assist? 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

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 2015-05-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After an inquiry by the financial mobile application, mint, about a bank account that I do not have knowledge of, I attempted to obtain my credit report. I tried both XXXX and XXXX, but was unable to access my report, because I could not confirm my identity. In this section, I was asked about loans and bank accounts that I do not have knowledge of. For example, I was asked, " In XXXX, you obtained a car loan from which of the following providers? '' To this question, and others like it, I replied, none of the above, assuming that they were trick questions. However, I was told that my identity could not be confirmed, because I answered these questions incorrectly. This confirmed my suspicions that my identity has likely be stolen, but I am incapable of providing proof to the FTC, because I can not access my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I have several inquires from companies on my credit report. They never contacted me or I never knew about these companies. There is also an employer listed that I did not know still exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
i do'n owe any money i have excellent credit Experian keep entering out dated information on 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 2016-03-03
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( XXXX. XXXX. XXXX. XXXX XXXX XXXX. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX was Deleted because I disputed them on late payments to all XXXX credit Bureau. I disputed them because I was never late on a payment so they removed my history and I have been turn down for new credit card to transfer balance and new line of credit due to no credit history insufficient credit history not enough credit information from my own XXXX XXXX and XXXX who I am a active member now. My loan with XXXX XXXX was for 5 years the loan has been pay in full. God bless you and your 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 2015-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, XXXX and Experian who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be XXXX of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records. 
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the XXXX Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried accessing my experian credit report online to view it to see if the incorrect information reporting has been corrected. Report # XXXX. I received a message they were unable to honor my request to view my report. There is suppose to be unlimited online access to view your report but experian will not allow me to. I am submitting this complaint because I want to see what is reporting on my credit file. I am trying to obtain a mortgage and with all these errors on my report is affecting my score in a negative way.

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 2017-03-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX. I used to be XXXX. This was my married name. It shows on my report that XXXX is a name I used which is incorrect. It also shows I have worked at XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter 7 and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.

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 2023-03-28
Company: Affirm Holdings, Inc
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I received a text and call from AFFIRM on Sat XX/XX/2023 letting me know that they had suspected fraud on my account and someone tried to apply for a loan. They had me verify a passcode that they sent to me as a text message and as an email to verify that I was not trying to apply for the {$4500.00} loan. Then they told me they were opening a case and would investigate. I then received a call on Sun XX/XX/2023, letting me know that the person who applied for the loan was arrested and that my account would be locked for about a few days while they took care of stuff. I had no idea that this person who was calling me was actually not from AFFIRM and they were actually the ones committing the fraud. On Monday XX/XX/XXXX, I saw that a loan had been approved under my AFFIRM account and that the funds had been used. I contacted AFFIRM and they said they had no record of them calling me about fraud and that they would have not ever done that. I opened up a claim with affirm Case # XXXX and they took 30 days to respond to me saying that they believe that I am still responsible for this loan. They requested that I sign an affidavit which I did and I also provided them a copy of the police report I filed # XXXX and a screen shot of the fraudulent text message I received from someone pretending to be them. They then took another week to tell me that they were standing on their original stance of stating that I am responsible for this loan. 

I have contacted XXXX XXXX XXXX to help me as an advocate and they referred me to this site to file my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, Transunion, XXXX, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inaccurate info on report. Called and talked with no help and rude customer service. Ready to close on a loan and now income/debt is a problem because this popped up

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 2021-09-27
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted me and said I owed money, I have never used the company why not lease. Also i asked for validity and they just sent me a letter they made no contract or anything. I told them it wasn't mine. They refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is in regard to an original complaint which was filed earlier. Please see complaint no XXXX. 

City Thank You card was still not reporting my credit usage to the three major credit bureau despite their assertion that they will correct their error, and report my credit usage. 

This has become a burden to a consumer like me, dealing with this Bank that deliberately and negligently uses their power to limit a persons ability to do anything such as purchasing a home. They caused me a lot of harm despite my being a credit worthiness by paying and obtaining a credit use even as an authorized user. I provided all my info such as SSN upon request, but they still did not do anything! 

I request CFPB to provide a clear action instead of just closing the complaint, based on the company input. I also request CFPB to provide me counsel to litigate this matter henceforth.

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 2016-06-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian credit reporting continues to report information on my report that has been previously deleted, or has been on my credit report more than 7 yrs, ( past the statute of limitations ). When I try to dispute these items, I get a message that the issue has been resolved, but they never do any investigating or go to the date of the last activity for proof. They do not verify any information they just add negative items to your report without checking to see if the items actually belong to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.

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