BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: EQUIFAX, 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 status incorrect

Complaint:
For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( Equifax ) and XXXX ( XXXX ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both XXXX and Equifax. In XX/XX/XXXX it dropped drastically.It dropped 92 points for Equifax and 91 points for XXXX. It stayed this way over a course of 3 months for XXXX and then made a drastic leap from XXXX to XXXX. For Equifax, it increased from XXXX to XXXX. My score remained consistent for Equifax four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XXXX or XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... XXXX ( -91 ) and Equifax ( -59 ) .It seems that no matter what I have done to do the right thing and stay afloat, Equifax and  XXXX has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of Equifax 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
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: Information is incorrect

Complaint:
So back on XX/XX/2017 I applied for a bank account at the bmo harris online, I was approved, I never got the chance to bring in my signature card and deposit on time so the account was closed.I called and was informed I had reapply application again but now this time I was denied in which i found odd.I then come to find out that BMO Harris reported me to check systems for fraud.on XX/XX/2017. 
They have wrongfully put this on my consumer report and I want it off, I have never been reported for fraud.I consider this damaging to my reputation by libel.I am a XXXX worker for over 26yrs for a XXXX XXXX I have been a making a difference on published website, University 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 2018-08-01
Company: Thaxton Investment Corporation
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 status incorrect

Complaint:
I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit XXXX and XX/XX/2018 XX/XX/2018 XXXX XXXX never late XXXXXXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX XXXX XXXX never late XXXX XXXX and XXXX this has happen before

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: FACTUAL DATA CORP.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is an inquiry on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
State: WA
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 contacted XXXX XXXX XXXX disputing an account they are reporting on my credit, they sent me information on the account yet neglected to report it disputed on my report in the required 30 days. I have notified them of this failure to comply with the law and they refuse to remove the miss-reported account of my report. They are also reporting late payments on an account that never had payments based on their own records, it is a charge of therefore can not have late payments. They have refused any more contact in this matter and have said it is harassment if I attempt to resolve this with them. 
The law is clear and they have failed to comply with it and the miss-reported account must be removed from my credit report as well as they should be fined for snubbing their nose at the law. 

I Also attempted to have Equifax remove this but they referred to XXXX XXXX XXXX response and refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Good Day To You All. 
I have a Mortgage Loan with JP Morgan Chase Bank. I have been a very regular customer over the years, sometimes even paying my instalments, a month before. 
But due to COVID 19, my business, like millions of other businesses got severely affected. 

My location is awfully close to the infamous " XXXX XXXX '' in XXXX, which used to appear on XXXX and other channels daily, where 100 + people were dying every day. In fact, we had to close down our Business due to Lock Down Orders from the Governor and there was XXXX income for a few months. 

I therefore called up Chase Bank and requested their help with Forbearance in terms of the CARES Act., for the first time ever. I do not recollect the exact date. But I think, it might have been towards the end of XXXX or XXXX week of XXXX. I was assured that it will be taken care of. 

Resting assured that there wont be any late payment placed on my blemish less payment/credit history, I missed one Mortgage Payment. However, I saw that a Late Payment was placed on my Credit Report, to my surprise. And my Score went down drastically. 

Many of my friends are still on Forbearance for more than 6 months. But I have already caught up with the missed payment and am fully current on my Mortgage, paying right on time or even before, despite the very slow Business conditions. 

From XXXX XXXX I have been requesting Chase, sending a lot of messages through Chase.com ( message history attached ) requesting them to delete the Mortgage Late from my Credit History and also delete the Late Charges. 

They confirmed that the Late Charges have been removed but they do not seem to have removed the Mortgage Late on my Credit History, so far. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Planet Home Lending continuing to give me a hard time about the mortgage. I called recently, and asked about how much it would be to do a PAYOFF. As I had a buyer interested in the property. They had already begun preforeclosure. 
I was told I simply had to fax them a letter stating I would like a PAYOFF quotation. That was on Friday. Today, I called to get the quote. They said it takes 3 to SEVEN business days to get a quotation. We go to court on the XXXX for the foreclosure hearing. 
Ever since I became the administrator of the estate, Planet Home Lending has tried to foreclose on the house. 
One time, they took money out of my account and put it back in the next day so they could later say I was behind on my payment. Also I got behind on payments, they said they would work with me. They sent me a form to fill out, but DOUBLED the monthly premium. saying I had to pay that amount BY LAW, to cover lawyer fees. I asked them to extend the payment out, but they said BY LAW they could not, I tried to pay the DOUBLED amount but could not. They began the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to opt out of all XXXX XXXX, Experian, XXXX pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : 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 non-monetary relief
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hi, I have sent three certified letters to Experian in order to receive my free credit report. I have not received a reply to any of them. I sent them a copy of my Drivers License, proof of residence as well. I have been declined for a loan and I need to see the actual reporting from this Bureau. I have received reports from XXXX XXXX, and XXXX already. 

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 non-monetary relief
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, my Apple Credit Card  which is issued by Goldman Sachs was restricted by Goldman Sachs. My credit limit was  dropped to {$0.00} available and the credit card was frozen. I contacted customer service on 3 separate occasions and twice I spoke to a supervisor. These contacts took place on XX/XX/2020 at XXXX XXXX, XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX. Each time, I was informed that they are unable to provide me with any reasoning why my credit card account has been frozen by them, they are unable to provide me with a timeframe for how long my account with be frozen and whether or not it will be unfrozen. I have the right as a consumer to know the reason why my credit card account has been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: URS Holding, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call at XXXX XXXX from an Alltran Financial representative in XX/XX/XXXX while I was XXXX to XXXX. The representative asked for my name, phone number and mailing address. She said, she was trying to collect a debt from XXXX XXXX. I said, I do not remember a loan from XXXX XXXX. She said, you don't remember paying on a loan for a couple of years. I told her I would like verification of the loan but, I would not be leaving XXXX until around mid to late XX/XX/XXXX. I told her to mail the verification to my PO Box and I would get it upon my return. In the meantime ( without sending me notification ) Alltran filed a collection for {$4900.00} with all of the Credit Reporting Agencies ( XXXX, XXXX  and XXXX ). Upon my return from XXXX I received a letter from Alltran stating I owed them {$4900.00}. They did NOT send me verification I indeed was the owner of a previous loan with XXXX XXXX. Now I have an unverified collection action on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: CA
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 called Syncrony bank to make a double payment, was told by operator that i could do that. They reported me 30 days late on the second month and told me they can not take early payments that the money I paid went to principal. This is just dishonest and ruins my credit or ability to take care of my family. This is the second time they have screwed up my acct. I got no where on the first one.

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 2018-08-01
Company: General Motors Financial Company, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XX/XX/XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date.

Payments dates are as follows ( see attached doc ) : XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 I spoke with representatives with GM Financial and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by GM Financial. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the Fair Credit and Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. 

I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is my mortgage company. I pay monthly, {$780.00}, on time every month via my bank 's bill pay feature. 
Beginning in XXXX I paid {$880.00} ... an extra {$100.00} on top on my {$780.00} due so I could pay off principal faster. 
Also beginning in XXXX, Shellpoint stopped posting my payments. The ONLY change was that I started paying extra- same timing, same pathway, same everything else. 
Shellpoint indicates they can not locate the payments despite me providing them bank transaction confirmation. They want a cancelled check- never mind that I have ALWAYS paid this bill electronically. Who pays with checks anymore?? 
Shellpoint neglected to inform me they were not posting my payments- I see the money deducted from my bank account and sent to them, and logically assume my bills are paid. They have my payments. Wouldn't you think a mortgage company would figure out where payments should be posted in their system and not just disappear? 
The FIRST indication of a problem was when XXXX texted me with a drop in my credit score. 
I called Shellpoint and have gotten nowhere. They refuse to acknowledge their error and refuse to right my account or to even look to see where they allocated my payments. EXTREMELY FRUSTRATING.

So in summary : I pay my mortgage every month, never miss a month. Shellpoint took my money but hasn't posted it. My credit score is dropping because they ( fraudulently ) notified the credit agencies I was in arrears ( I was not ). And they added late fees. 
DO NOT USE SHELLPOINT. My mortgage was with another company that sold it to Shellpoint- they have horrible customer service and even worse business practices. Avoid them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation