BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: Kimball, Tirey & St. John LLP
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:
I received a letter from Kimball , Tirey & St. John LLP sometime in XX/XX/XXXX. I thought it was a scam so I paid no attention to the letter. On Friday XXXX XXXX and notice my credit had dropped drastically. I noticed an account from Kimball , Tirey & St. John LLP that was in collections for the amount of {$11000.00}. I called the credit Bureaus to get more information and they provided me with a phone number to whom is sending me to collections. I called and spoke to the Company above and they mentioned this account is for a rental property located in XXXX XXXX Ca that was leased under my name. The lady mentioned she has a copy of my driver licenses and was very adamant about this account being mine. I advised her this account does not belong to be I have never live in XXXX XXXX Ca. I was born and raised in XXXX XXXX Ca and recently in XXXX I remarried and moved to XXXX  Ca with my husband who owns a house in XXXX  Ca. I have lived here since. I filed a police report with office XXXX XXXX - XXXX ) on XX/XX/XXXX and I'm waiting for a case number. I told the office I wanted to press charges against the person who stole my identity. I provided the officer with a copy of my credit report along with my information. I filed a dispute with Transition on XXXX XXXX, dispute was complete and they said this account belongs to me but that is incorrect this account does not belong to me. Someone stole my identity and used my information to rent this place. Please advice on how to handle this. The las name used hasn't been my last name since my 1st divorce on XX/XX/XXXX, after that I changed my last name to my maiden name being XXXX and I remarried in XX/XX/XXXX and I'am now XXXX. That ID with XXXX last name is in my possession and has a whole on the top corner that the DMV made when I changed my last name. That ID with that last name only one person had a copy of it he is a broker in XXXX XXXX Ca that was helping me get my home at XXXX XXXX XXXX in the year XXXX but I fired him and hire someone else to help me purchase my home. after purchasing my home in XXXX I changed my address to my home address at XXXX XXXX XXXX. Then in XX/XX/XXXX I changed my last name to my maiden name XXXX. Then in XX/XX/XXXX changed my last name to XXXX. Please do some research and find the person liable for this identity theft. Again, I have file a police report and charges against this identity theft. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX  XXXX XXXX Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX  XXXX cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX  XXXX XXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX  XXXX XXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX  XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX  XXXX XXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
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 non-monetary relief
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of Ed and Utah XXXX XXXXDept of Ed has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. CornerstoneXXXX XXXX XXXX and Utah XXXX XXXX XXXX XXXX has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with XXXX, XXXX, and Equifax who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Went to view my credit and saw this collection on my credit report. I asked for a correspondence via mail showing any debt owed to this company and over 3 months in I have yet to receive anything. Called and was told it does not matter it will just affect me negatively on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I filed my second dispute with MoneyLion. The first took place in XXXX. My account was accessed my a hacker and used to withdraw money out on two separate occasions. The first time the dispute was resolved and I was happy with the resolution. The transactions were only about {$300.00}. This time on XX/XX/23 the dispute was for roughly {$2600.00}. The same thing happened this time it went on for almost a month. New external accounts were added to the account and money was moved around to people I have no contact with and never met. I filed a dispute with MoneyLion. During the dispute it took us an hour just to get into the account because my credentials to log in were changed. We went through like twenty transactions, they were all in California. I live in XXXX  and have never been to California. Today I received resolution to my dispute basically saying they see nothing wrong with my account. Leaving me with a balance of {$2600.00} to pay them. MoneyLion is now requesting that I provide more details so that they can deny my dispute again.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The consumer reporting agencies ( CRA ) continued to report inaccurate and inconsistent information on my credit report. I have disputed these accounts for the past 60 days with the original creditors and have received few followups with the creditors but CRA 'S are inconsistent in verifying this information. All these agencies should be reporting same information and investigate disputes that the consumer requested, instead they continue to resolve disputes without providing me with the methods use to verify the information. I have send letters with all documentation needed but they keep saying investigation still in progress. I have several accounts that says resolved but the status was never updated and unknown addresses and variations of my name continue to be added on my report, after I disputed that information and sent a valid identification, SSN and utility bill to verify my identity. As a victim of identity theft, I request you do a thorough investigation and provide with information requested.

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 2022-10-15
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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 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
Consumer complaint received 2022-10-15
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:
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. Over the past nine months, I have attempted to resolve the disparity that is reported for the various accounts below. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX The information has not been verified and no original documentation has been shared with me for verification. The reporting balance, account closing date, and monthly payment history all report different information among the three bureau agencies. 

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 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 explanation
Consumer complaint received 2020-04-13
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I reacehed ot to Shellpoint Mortgage Via telephone and online for help with my Mortgage note during theis time of the state of emergency, during covid 19. Not at anytime was I able to spreak with anyone on the telephone. On Saturday.XX/XX/XXXXI received a letter from Shellpoing informing me if I needed help with my Mortgage payment too reach out a HUD approved counselor for help with my mortgage payment ( Which I did ). The HUD counselor called my lender for help she waited on hold for almost 2 hours nobody cale to the phone. I explained to her i have been going through this with my Mortgage company since XXXX, nobody comes to the phone or they keep you on hold for 2 hours wgere you hangout. Now what I dont't understand is we issued a stay at home order where people can't work but mortgage companies wont answer or help you. Next time a state of emergency happens and people won't stay home this is why. II bet you these same companies will be asking for a hand out, when the time comes. Now My hud counselor was aweome and tried so hard to help me. She also told me she has never had a mortgage company not answer the phone. The HUD number I called was XXXX. I explained to the HUD counselor the number my Mortgage company gave me to call was XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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:
Hello I am looking at my credit report and these are the astronomical amount of inquiries I, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, CT did not authorize. I do not recognize these companies at all and I need all of these removed from my report. It has been hindering my ability to live a normal life and extend my credit to companies. There are too many for me to type so I attached 4 images. Please help me I have no open accounts with any of these corporations. 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 explanation
Consumer complaint received 2023-08-02
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: WI
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:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
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:
There are several inaccuracies on my credit report due to fraudulent activity. 
I've raised my concerns to all three credit bureaus and the companies as well. These reportings are hindering me from purchasing a home and obtain credit. I've recently refiled a fraud notice with all three credit bureaus. I will note each account and the information down below. 

XXXX XXXX XXXX XXXX  XXXX ( partial acct : XXXX ) - balance reporting as {$770.00}, paid closed- written off. 
I have no knowledge of this account. I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX XXXX XXXX  ( partial acct : XXXX ) - $ XXXX charged off I have no knowledge of this account and believe it to be a result of the fraud that was done on my name/accts. 
also reporting twice as charge off, which has dropped my credit score significantly. 

XXXX XXXX XXXX XXXX XXXX ( partial acct : XXXX ) written off {$430.00} I have no knowledge of this account, and believe it to be a result of the fraud that was done on my name/accts. 

XXXX ) XXXX  ( partial acct : XXXX ) - balance {$550.00} This account was paid off- I noticed that for XXXX  years they have been reporting it as a charge off! Please assist with the removal of this account from my credit report. 

XXXX ) XXXX XXXX XXXX ( XXXX ) - closed paid this account belonged to my father who has since passed away in XX/XX/2023. I was a authorized user on his account as I handled his finances. Please assist with the removal of this account. 

XXXX ) XXXX XXXX XXXX ( Equifax, XXXX ) - charged off this account was paid- and should be removed from my credit report. It appears that it has been removed from XXXX correctly, yet Equifax and XXXX have not done so. 
please assist the removal of this account. 

I have submitted copies of police reports that I filed when my belongings were stolen. 
I had to get new checking accounts, and other accounts to prevent further fraud. I ask that this information be communicated to the three credit bureaus and the information be removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: MO
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with explanation