BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Per FHA Guidelines The lender is held responsible, equally with the appraiser, for the integrity, accuracy and thoroughness of an appraisal submitted to FHA for mortgage insurance purposes. 
FHA may pursue appropriate enforcement actions against XXXX or either party for violations. In my situation not only did the appraiser use a foreclosure but he also used a XXXX property that needed a lot of work as well. He also totally disregarded the below grade portion of my home. To clarify that, he only tried to focus on the above grade portion of my home and totally disregarded the below grade. The homes he found not only had lower total square footage than my home but they also had XXXX and XXXX less rooms in those homes as compared to my home. Per FHA Guidelines the characteristics of the property must be based on selections that have similar or the same characteristics including site, site view, location, design, appeal, style, age, size, utility, quality, and condition and the homes selected did n't fall under that criteria. I provided homes that were exact replica 's of my home in total size, rooms, and appearance and the appraiser and my mortgage lender ignored those.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, my husband XXXX XXXX was approved by XXXX XXXX for 2 loan, 1 of XXXX and the Second of XXXX XXXX that was made in 2 deposits and both were deposited to the Citibank Account, when we went to the Citibank branch of XXXX XXXX to withdraw cash. XXXX XXXX asked to identify ourselves, so we did, after more than 25 minutes of not having a response from them, we left the Bank, later we try to withdraw money from the bank and they told me my account was blocked, I went to the branch located on XXXX, in XXXX XXXX, CA. they told me the account is going to be closed they did not explain why they just said you are going to receive a letter explaining why. My husband and I call customer service to know the reasons why they closed it, they did not said why this person was very rude We asked for information about the money that was in the Account, and they only told us that they would send us a letter explaining everything and that they would send us the money by check. 

From the month of XX/XX/2021 to date XX/XX/XXXX, and after several visits and calls to Costumer Service of Citibank have not given us an answer about the destination of the XXXX loan, they only indicate that as soon as they have a response, they will contact us. 

The last thing we knew was that the Account was put in Hold for fraud, which does not exist. They did not proved we committed any fraud since the beginning we identified ourselves and they themselves verified calling XXXX. We explain about that the loan, my husband XXXX XXXX met all the requirements for the XXXX loan. to be a creditor to this loan he met all the requirements for this loan application. 
From XXXX to this date my husband has been checking with XXXX if the money has already been returned to them to be redistributed to the new Bank Account, however the response has been that Citibank has not returned the money to them. Nor have they returned to us, and we don't have any statement or notice about this XXXX For this situation I ask you to be so kind to be able to help us solve this situation since the lack and refusal of responses from the bank indicate that they can act with all impunity and not give a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and I have tried to have the items blocked from my reports. Each bureau is reporting different accounts which is also against the FCRA. There are several account on my report that do not belong. I have also submitted an Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019, XXXX XXXX contacted me stating that I qualified for refinancing on FHA loan due to making payments on time. 
He was giving all the required paperwork and signatures. My information was forwarded to another company ( XXXX XXXX XXXX XXXX ). I was contacted by their Loan Processor XXXX XXXX to finish the process. I asked her if the XXXX mortgage payment could be skipped since we were refinancing. She told me that she would update the loan amount and that it would take a few days. She told me that she would contact me if there was an issue with skipping the payment. I never heard from her or Lakeview Loan Servicing about the status of my refinance. I called XXXX and emailed her as well. I also left voicemail for XXXX to call me back which he never did along with emails. I was finally able to catch XXXX in the office and I asked about the refinancing and he told me that it was cancelled due to missed payment. I was never notified from either companies that the refinancing would be cancelled because of this. They reported the missed payment to the credit bureau. There was no communication for me to make the payment and both companies dropped the ball. I am more upset with Lakeview Loan Servicing for not following up given that they were using XXXX XXXX XXXX for the refinancing. I have never missed a payment until this point and I am being penalized for the lack of professionalism and communication by Lakeview Loan Servicing.They are responsible for using a financing company that did not know how to do their jobs. I have never missed a payment until they came to me with the refinancing option. Someone should have called and communicated with me before it was even report to the credit bureau.

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 2023-01-17
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2019-10-17
Company: Westlake Services, LLC
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX continues to furnish inquiries on credit file. Made several attempts to have inquiry removed. Company failed to respond. Complaint is 30 days without a response. Requested a validation of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry pulled without consent by XXXX on XXXX XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX XXXX XXXX without consent on XX/XX/XXXX Collection account by XXXX XXXX XXXX which is not mine for {$1900.00} Collection account by Account XXXX XXXX which is not mine for {$130.00} Equifax had refused to authenticate and remove inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2018-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
When reviewing my credit report I discovered that Experian illegally re-inserted the XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1600.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. A screenshot is attached to this complaint.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2018-10-05
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Company has repeatedly called me from different nu.bers over a debt that is past the statute of limitations. Furthermore, company refuses to remove debt from credit report even though the statute of limitations has expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i recently sent a letter to the LVNV FUNDING LLC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX  XXXXXXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Please remove on my Credit Report To whom it may concern I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by XXXX XXXX  and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : XXXX XXXX has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus.

I have taken appropriate steps by disputing this with the collection agency directly. 
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. 
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account XXXX. XXXX 15 U.S. Code 1692c - Communication in connection with debt collection

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 2023-01-17
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX Balance {$1400.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXXInquiry : XXXX XXXX, 2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIESshall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation