BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I submitted the following complaint to Merchants & Medical Credit via the CFPB : " On my XXXX  credit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion. '' On XX/XX/XXXX, the company responded with : " This debt is for a class in the fall of XXXX. The consumer attended class and received a passing grade. He made an echeck payment of {$300.00} on XX/XX/XXXX. The school says he still owes {$470.00} He has given us no information confirming he was out of the country at the time of this class. We see no reason to remove this from the consumer 's credit report. It makes no sense that someone would make a payment for a class he didn't attend. Nor, would another person take a class that would give credit to someone other than himself. '' For clarification, I have never made any payment towards this account. Secondly, I have never attended the school mentioned. Thirdly, I graduated from university in spring of XXXX from a school I attended from XXXX, and my transcripts show no record of this alleged class being taken. Fourthly, the company states a credit was given for this class, but as I just mentioned, this class is not shown on my final transcripts from the school I graduated from, therefore I never received any credit for it. Fifthly, the company has repeatedly been advised that this debt is not personally mine. This account remaining on my credit report continues to be in violation of FCRA 623 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 credit agencies are not complying with their own policies in a timely manner.

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 2024-01-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking acc with BMO HARRIS BANK under condition that there will be a monetary bonus issued for new act as long as certain criteria was met. I was also given an atm card with option to choose my own pin .after the atm car arrived I contact the bank gave them my pin. I was trying to use the card in the next 2 days it wouldn't work I called the bank and was told the pin was only good for 24 hrs [ how stupid is that ] and my card was blocked there is not a branch within XXXX miles from when I called them I was told my identity wasn't verified 3 times I was sending my documents state driver license, notarized letter I keep getting stonewalled .please help me resolve this issue

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 2022-12-12
Company: EQUIFAX, INC.
State: LA
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:
LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be XXXX XXXX Accurate, XXXX XXXX  Verifiable and XXXX XXXX  complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX Violation : Double Jeopardy/invalidated collection/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 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 information to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately in XXXX, I went to XXXX store to switch cell phone providers XXXX to XXXX and XXXX representative stated that they will pay the balance of the lease as the commercial stated. XXXX will be responsible for all transfer fees. I transferred my phone number to XXXX but they never uploaded the last bill and serial numbers of the 2 phones to pay the lease balance to XXXX. 

On XX/XX/XXXX, I was informed by Police & XXXX XXXX that a outstanding collection charge of {$820.00} from XXXX is on my credit report. Police & XXXX XXXX can not move forward with my loan until this is removed. I contacted Diversified Adjustments Inc XXXX spoke with supervisor XXXX account # XXXX to dispute the charges. I contacted XXXX and they stated they have no record of my account and told me to call XXXX to request to have removed. Unfortunately, this is another number of Diversified Adjustments Inc. 

I did not receive any gift cards or prepaid cards during the time of transfer. The incorrect bill is created by XXXX not paying for the transfer fees and balance of lease as their ad states. This improper charge tortuously interferes with my loan process. Since both cell phone companies have the information to correct this matter, both cell phone companies need to be prosecuted to the fullest extent and fined to the highest magnitude. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2023-12-18
Company: Torriere Holdings INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
spire-logo Reference Number : XXXX Password : Last 4 of SSN Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about : We've been authorized to offer a settlement on your account! Please be advised this is a limited time offer and is only valid with Spire Recovery Solutions. 

Please see the attached or login to find out more. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You may also contact our office at XXXX or chat with us on our website. 

View your secure message in XXXX ways From the Spire Recovery Solutions Mobile app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account by clicking " Make a Payment '' in the top right of the website. 
Don't have an account? Sign up today via our Customer Portal Please see the attached document. 

ABOUT THIS MESSAGE This service email gives you updates and information about your Spire Recovery Solutions account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form. 



This email was sent to XXXX on behalf of Spire Recovery Solutions.

Click here to Unsubscribe This e-mail communication is covered by the Electronic Communications Privacy Act of 1986 ( ECPA ), 18 U.S.C. 2510-2523. This communication is CONFIDENTIAL. 
The information contained herein is intended only for disclosure to or use by the person ( s ) listed above. If you are neither the intended recipient ( s ), nor a person responsible for the delivery of this communication to the intended recipient ( s ), you are hereby notified that any retention, dissemination, distribution or copying of this communication is strictly prohibited. 

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

XXXX Spire Recovery Solutions logo

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: DISCOVER BANK
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:
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX Breach, My name, social, drivers license, emails, phone and 1 bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. 

I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : 1 ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I sent someone to place {$220.00} into my checking account to prevent it from over-drafting on XX/XX/2019. When they got to the bank they stated that they couldn't make the deposit because their name was not on the account. Wells Fargo stated that they wouldn't take cash deposits from non-customer 's due to money laundering problems. I think this is unfair and unethical. How can you state that everyone in the bank is laundering money. They stated I could go and purchase a money order to then place the funds in my account ... what is the difference they are still both guaranteed funds. And who goes and spends money to pay themselves. I will not be adding everybody I know name to my account just to make deposits

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 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX has failed to validate debt. From what I can determine they are trying to collect a co-payment that was already paid to the original agency.

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 2022-02-02
Company: Colony Brands, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit card Ginnys was never late they have been paid in full and still keep calling asking to pu my bill that shows zero dollars owed and even shows on my credit report as zero owed and it says paid late 5 times which is a complete lie Ive never been late ever and since paid it off will never purchase from magazines again ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a preselected offer from Lowes synchrony Bank to apply for their Lowes Advantage card. 
I applied and was approve immediately. 
XX/XX/XXXX I was notified by a credit reporting agency that I had a closed card on my account. 
When I checked synchrony bank had closed my card. I contacted Lowes and they advised me that they rechecked my credit and found it was not satisfactory and closed my account. 
Not only did they approach me for their card which required a credit check. 
But they closed my account which was in good standing and payment was made on time? When they closed my account they again affected my credit score. I am deeply concerned that a credit card company can approve and close accounts with no reasonable explanation. 
I did not give them permission to do the credit check prior to closing my account. 
I am in the process of refinancing my home and had intended to pay all of my credit cards off, because of the credit checks it has an impact on my score.

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 2023-11-14
Company: EQUIFAX, INC.
State: MO
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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. COMENITYCB/FOREVER21 XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED 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 non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 time I've complained about being a victim of identity theft. You must remove/block any account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : 1. XXXX Card- Date of Inquiry XX/XX/XXXX 2. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 3. XXXX XXXX XXXX- Date of Inquiry XX/XX/XXXX 4. XXXX XXXX- Date of Inquiry XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion for Illegal Rental Background Check and Credit Reporting Practices I submitted a complaint In reference XXXX apartments rental history report which was inaccurate. Transunion and XXXX company obtained eviction records also failed to identify where records come from and was told that records were taken only from the jurisdictions where the proceedings took place. I have had several issues trying to find a place to live did not know it was a third-party vendor I needed to contact to correct inaccurate information. They refuse to correct the issue

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