BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: WHEELS FINANCIAL GROUP, LLC.
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 began disputing this fraudulent information back in XXXX of XXXX. I have done several disputes through XXXX, CFPB, the FTC, and with the company itself. The company responded to my previous CFPB complaint by stating that they've investigated the matter and concluded that I am falsifying my claim of identity theft " to clear up my credit ''. On XXXX XXXX I sent 800 Loanmart and the credit reporting bureaus copies of the following documents : XXXX Police Dept. report for Identity Theft, FTC ID Theft Report, ID Theft Affidavit, and my identification. Loanmart refuses to accept that they were manipulated into supplying a loan to someone that used my identity fraudulently. They also have responded by stating that they will not remove the damaging information from my credit profile, nor will they close the account for collections. I do not think they understand the concept of IDENTITY THEFT which means someone illegally obtained or retrieved access to my personal information and used it to illegally obtain services and or products. That means that the information they obtained to verify the loan they granted would of course be that of mines, and due to the fact that they forced me to use collateral for the only loan I did apply for and obtain in XXXX, that was also paid off in XXXX why would they allow another loan a year later and not require the same thing? that is a step in the direction of predatory lending. However, I did not apply for, nor did I obtain a second loan from this company, and I have submitted all documents to them that is required by law. If this complaint does not get them to comply with my request to remove this account from my credit report, I will pursue legal litigation against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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:
I am Sending a complaint today in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I sent letter to Bureaus on XX/XX/XXXX regarding this matter but no response until this day XXXX XXXX. The EXPERIAN and XXXX credit bureaus are required to authenticate the accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range. I've already included thisin my last complaint # XXXX XXXX and XXXX and I'm including it again The account listed below needs to be fix right away : XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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:
Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

1XXXX XXXX 2XXXX 3XXXX XXXX XXXX 4XXXX XXXX i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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:
Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap

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 2022-07-30
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Dear Sir/Maam, I noticed citi bank company is doing wrong thing on my checking account ending XXXX. 
They block my account with no letter, no reason. 
I cant withdraw my money from ATM, even no cashed 2 check with fee. 
They said gave bonus but all is fake, lie, dirty game. 
I still have balance in my account and want to withdraw all and close the account. 
Never citi bank checking account. 
Some dirty person behind them help them stand for doing dirty.

Fraud action. Please help to investigate and resolve it, thank you! 
Best,

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 2023-11-06
Company: EQUIFAX, INC.
State: AZ
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
U S DEPT OF EDXXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$1700.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX {$3000.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall 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
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NV
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 recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and im having my second child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within XXXX days and ya 'll are required by law to do so. Please investigate my disputes.

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 2022-09-26
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) Closing on new home ( new construction + new address ) XX/XX/2022 XXXX ) Home owners insurance done through broker 3 ) Insurance company sent me physical mail 4 ) USPS failed to deliver due to couldn't find new address ( my assumption ) 5 ) Because of that ( I did not respond to mail ) insurance company cancelled insurance 6 ) Mortgage company ( Crosscountry ) contacted me saying " you do not have insurance '' 7 ) I bought different insurance and provided it to Crosscountry 8 ) Now Crosscountry saying that i did not have coverage in the past for 34 days and demand proof of coverage 9 ) I called several insurers - noone provides insurance for time in the past 10 ) Crosscountry threatens to charge me about {$1000.00} for time in the past were i have gap in insurance - my total yearly insurance is about {$2200.00} 11 ) To me it is a highway robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reported to AIDVANTAGE when they took over my student loans from XXXX XXXX XXXX  that the amount was inaccurate - they have added on additional amounts on a promissory note from a XXXX XXXX XXXX XXXX which attended school in 1991 - I need {$35000.00} removed from this account because it is inaccurate and NOT MINE, as I have proof that I received federal pell grants and only went for a XXXX degree which could NEVER had charged up double that on a student loan in the first place. When told there was an investigation done- which took about 10 days ( total XXXX ) they did not request information from the previous providers nor did they do any contact to the school or due diligence in reference to this said " investigation '' whatsoever. I need the additional amounts removed so I can begin paying on my student loans that I do owe. I want this resolved immediately or I am sending a letter to the attorney general and taking them to federal court for lack of information on their part to charge me incorrectly for someone else 's loan accountability. I need this to happen within 10 days or I will move forward with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Early warning system has kept me from opening checking accounts. Under 15 U.S.C 1681section 604 a states a consumer reporting agency can not furnish a account without written instructions. I owe no money and they won't delete me from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, 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 an account without my written instructions

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 2023-11-20
Company: MIB Group, Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urgently need your assistance as there are numerous and egregious errors in my report from the company MIB. 
Despite never experiencing any of the reported health issues, the report inaccurately states XXXX XXXX, XXXX XXXX ( XXXX ) or XXXX test for which there is no specific code on XX/XX/XXXX and XX/XX/XXXX. 

Falsely mentions a XXXX disorder and XXXX XXXX on XX/XX/XXXX, inaccurately suggests tobacco use and prescription drug evidence on XX/XX/XXXX, and falsely indicates abnormal XXXX levels on XX/XX/XXXX. 

To substantiate my claim, I am attaching my health records from XXXX XXXX for the past years, including my most recent physical examination. Your assistance is crucial in rectifying these inaccuracies and resolving this matter promptly. 


MIB has included reckless driving on my report. I have attached my 10-year driving record from the DMV and am requesting the removal of this error from my driver history. 

Because of there errors on my report. I have been denied life insurance from several providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I walked a check into the branch. ( Drawn from my home equity line of credit ). They gave me instant credit and said the remainder would be available the XXXX. Upon checking on the XXXX, I see an administrative hold placed on the funds until the XXXX. On the XXXX I checked with the institution the money was drawn from and the money was drawn on the XXXX. I went back to the branch they advised to call customer service/, she couldn't help asked for a supervisor. My question was plain once you guys get the money from the institution that the check was drawn, will the hold be released the supervisor said no. She could not explain to me why if I made a deposit by check and the check was paid why do I have to wait an additional 10 days to receive the funds. I think at the very least the hold should be released once they receive the funds.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA violations Not my credit card XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off/Never late. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
never lived here XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Single family not my phone number ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( 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