BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: ACOPIA CAPITAL GROUP
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Acopia Home Loans is not following the regulations of XXXX XXXX when consumers are applying for home loans. I was flabbergasted when I was told by the loan consultant that my monthly payment documentation for XXXX student loans is not acceptable due to the deferment and was adamant that " the most we can do is assess .5 % '' of the loan balances. I was shocked that this loan company 's Underwriter submitted this information to a consumer -- making up their own rules and ignoring XXXX XXXX guideline. The statute states the loan company " must '' use documentation when the monthly payment is not specified on the credit report. I submitted three pieces of documentation as to the monthly payments of my XXXX student loans. I am amazed at the deliberate tactics of loan consultants/underwriters here in Alabama to assess this 1 % rule for XXXX XXXX Conventional Home Loans when infact the guideline is clear -- '' must '' use documentation. I had one loan consultant assessed this 1 % rule on a small student loan without my knowledge while I could have furnished documentation, but stated that he is not going to change or correct the issue because closing is on XX/XX/2021. Consumers are being cheated out of qualifying for home loans big time in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NH
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:
During the home buying process is when we realized there was numerous false student loan accounts open under my name, and it seems to have stemmed from when XXXX did the switchover to XXXX. It looks like they copied my loan balances and never deleted them so now it shows as me owing around double than what I actually owe. Ive contacted XXXX myself several times and they dont show any accounts open with those balances - I only have XXXX accounts open and the balances total exactly what they are supposed to on their end. I followed up with a call accompanied by xactus to help me with the process AGAIN, and they again told us these accounts did not exist. Ive tried to dispute these now multiple times through all XXXX of the credit bureaus, some have been successful, others have not. XXXX has now deleted the accounts, however theyve added the loan amounts from those deleted ones to my active ones, also still false reporting. Its getting super frustrating trying to buy a home and not having any information on my report be accurate. Could someone PLEASE address this extremely important issue as soon as possible? Oh and not to mention that XXXX false addresses listed under my account that Ive never seen or been associated with in my life- oh AND the multiple other phone numbers Ive never seen. Can we have some security here?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: Experian Information Solutions 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:
EXPERIAN, XXXX AND EXPERIAN ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIOND/NOT MINE XXXX -- US DEPT OF ED/XXXX/NOT MINE

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 2019-09-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This evening, XX/XX/XXXX, my vehicle was repossessed for no reason and the police were involved because I refused to let the tow driver take it as I provided proof that I was not behind on my payments and my insurance is paid and up to date. He stated Bridgecrest placed it in repossession for {$50000.00}. How can that be when the vehicle isnt worth {$50000.00}, its a XXXX XXXX and Im current on everything. Bridgecrest provided false information to the XXXX XXXX XXXX and my husband was assaulted fir attempting to get some of our stuff out of the car. Since this was a civil matter I told him the police cant make me give up something especially when Im not wrong. 

The information the tow driver provided was on a computer screen which said I owed {$50000.00} dollars for a XXXX XXXX. They seem to make a lot of mistakes. The officer, XXXX XXXX, Ohio Ohio Department, also told the tow driver everything was current and my next payment wasnt due until XX/XX/XXXX and also told him my insurance is current and paid. If a warrant is issued and theres a mistake its no good so how did the driver take my vehicle? 

This is the second time this has happened the last time was XX/XX/XXXX and it took me a week to get my vehicle back and I had to pay double what they said I owed. The took my vehicle to the auction in XXXX, Ohio after telling me my car wasnt going anywhere and it would be in XXXX, Ohio. I had to take a day off work to drive 3 hours to get my vehicle and we paid for a hotel stay because the auction lot closed at XXXX. I thought it took 90 days before they could put a vehicle up for auction. 

Now the tow company comes and my husband gets assaulted by the driver. The same driver almost smashed my hand in the back hatch because I opened it. Bridgecrest has caused me and my husband stress in the past and now its escalated to my husband being physically assaulted. 

I can be reached at XXXX. I have everything to proof there is no defaults.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing Time-Barred Debt Reporting Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations.

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness.

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated.

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above.

Thank you for your dedication to consumer protection, and I look forward to your response. 

Sincerely, 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account : XXXX XXXXXXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ERC
State: TX
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: NJ
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:
This company is reporting information on my credit report and I have not given them written permission to put anything on my credit profile.by law 15 USC 1681b Permissible purpose of consumer reports this what the law state they have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Account XXXX : XXXX this agency is in violation of 15 USC 1692g. This is an official dispute of this account. I demand the above account deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The appraisal was not done fairly. QuickenLoans representatives told me that they were not allowed to communicate with the appraiser to influence the valuation of my home. The appraisal was ordered on XX/XX/XXXX, XXXXthe appraiser came to my home about a week later. Two days after the appraisal the appraiser called me and said, Mr. XXXX they want to do this on 10 acres. 
I told him, They tried to do this in XXXX when I refinanced this same property. Why would I choose to do that when I have 8 acres free and clear with my current mortgage. I also said, Im not signing anything that has more than the number of acres already financed, 2.143 acres ( this amount is crucial to my complaint ). 
( Confirmation of the following statements can be found in the attached appraisal ) The appraisal was ordered on the XXXX of XXXX and was not completed until the XXXX of XXXX. In XXXX my home appraised at {$200000.00}. This appraisal would reduce my property value to {$170000.00}. The appraiser said  that he used the sales of other comparable properties to determine the valuation but none of them were outside the city limits, as mine is. Neither did any of the properties, that had been sold, have even an acre of land. The one comparable which had more than an acre ( not sold ) had under 1.5 acres. 
I can not confirm this, but the valuation of the remaining 8 acres is about {$3500.00} per acre. That amount times the remaining 8 acres would be $ XXXXthe exact amount of the difference between this last appraisal and the XXXX valuation. Were there not any other properties sold that compared more closely to mine? Two acres on my frontage road ( raw land ) would easily sell for {$10000.00}. I will also add that I have not gotten any indication from the appraisal district that any property values have decreased, but only to the contrary, they have increased! I should also add that I am XXXX and of XXXX descent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions 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:
On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to Experian, XXXX XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.

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 2023-07-19
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am writing a formal complaint about the financial distress and hassle I've been dealing with XXXX, EQUIFAX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how XXXX, EQUIFAX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to XXXX, EQUIFAX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief