BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the letter i sent to them about what they are trying to do and how they have fraudulently attached this to my credit report. 

XX/XX/2021 Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX Re : Your mailed statement to me about an Alleged Debt you are collecting on behalf of XXXX XXXX for {$1400.00} : You are now listed as a collection account on my credit report as some entity who claims I owe you money. I have no idea who you are and have never contracted with you or with XXXX XXXX  for ANY services. I have never received a bill from you OR from XXXX XXXX regarding this account because I have also never had an account with XXXX. I need you to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with XXXX including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 
Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 
By copy of this letter, I am notifying XXXX, XXXX XXXX and XXXX that I am filing a formal dispute of this account. I am also notifying the CFPB and the Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the law by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. You may e-mail OR mail your response to me at -- -cc : XXXX , XXXX XXXX , XXXXXXXX and CFPB, Attorney General Consumer Protection Division, XXXX , New Jersey

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Real Time Group, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX  XXXX and the second mortgage company is Real-Time Resolution.  Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my XXXX credit report.

Real-time Resolution mortgage service is reporting to XXXX  two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with Real-Time Resolution. 

I contacted XXXX  on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to Real-Time Resolution to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Item # 1 : XXXX XXXX  This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.

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 2020-07-28
Company: GVA Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Hi my name is XXXX XXXX and the company Im filing a complaint on is Bright Lending XXXX. XXXX XXXX XXXX, MT XXXX XXXX On or around XX/XX/XXXX I borrowed {$500.00} from a loan company called Bright Lending. It was a fast arrangement and the gentleman seemed very helpful and zipped me right through. I let him know that I did XXXX XXXX  part time and could steadily pay back the loan every time I was I had parts of the payment and certainly within a year. I gave him my bank info to make the deposit and electronically signed my name. Later that evening I discover the interest would be like {$2500.00}! And then last week they drafted my bank account, which put it in the negative, and now Ill have late fees of {$35.00} every week from my bank. I just had XXXX on XX/XX/XXXX and was counting on receiving a payment reminder or something ... .I couldnt believe they drafted my account. I called Brightlending yesterday XX/XX/XXXX to have the drafts stopped so I could afford to pay them back. I got a flat refusal. After I hung up the phone, about an hour later I received a payment reminder via email ... a little too late. My bank cant stop the automatic draft and Bright Lending will not. I was struggling which is why I desperately contacted a loan place. There was no mention that my bank would be drafted. They didnt even ask for a pay stub from me. Which I dont have one because Ive been ill the past 3 years and havent worked. I am hoping you can point me in the right direction. I want to pay back the money, of course, but not the astounding interest fee. And Ill never be able to pay it back with my bank account being in the negative and the weekly {$35.00} overdraft charge on top of it. 
I was completely misled about the drafts. This is terrible. I cant afford the ridiculous interest not the bank draft charges every week. And I can not access the My Account on their website to attach the interest rate they threw on me. Its like this company takes the money from the bank and there isnt even any money in my account! So now I owe the bank! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Was not notified of investigation status or results

Complaint:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am intrested in disputing all invalid information that is hindering my credit report with transunion.

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 2022-11-18
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I JUST saw today that there is information in my name being used on my credit report and I need to file a dispute. This item is fraudulent, and impacting my relationships with creditors. I've never had a collection on my credit report & I have know idea who this company is! Please remove this collection asap please. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I submitted a international bank transfer thru World Remit for a total of {$800.00} for transfer to XXXX to my wife 's bank account, XXXX XXXX. My wife 's contact information, bank account number and bank routing number and swift code are all correct. I have a receipt and an on line account with World Remit. The money transfer was not and has not posted to my wife 's bank account as of today, XX/XX/XXXX. I have filed notices with World Remit Customer Service via phone and e-mail since XX/XX/XXXX and have very limited response other then they are waiting to hear from XXXX XXXX as of XXXX XXXX. I have received no updates or questions about this transaction since. 

Thank you for your help in this matter XXXX XXXX XXXX Ref : E-mail from World Remit XX/XX/XXXX Hi XXXX, Thank you for contacting us. 

This is regarding your transaction XXXX. We understand the importance of your request and apologies about this matter. We have sent an email to our local partner to check on the funds not yet credited to your recipient 's account. We are waiting for their response. No worries, we will send you an email as soon as we receive their response. 

If you haven't already, try downloading our mobile app, where you can track the status of your transaction from the Transaction History tab. 

If you have any further questions, you can check out our Frequently Asked Questions here. 

Kind regards, XXXX XXXX WorldRemit Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 2021-05-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously disputed this account on my credit report several times with the furnisher and Experian Per my the companies response for the last dispute I am disputing the following : 1. XXXX XXXX on my Account - Please Remove - Per the company 's response they said the following : a. XXXX no longer owns the account b. The Balance amount is incorrect on my credit report 2. XXXX says they mailed an intent to sale : NO DOCUMENTATION - REMOVE a. They have provided NO documentation to validate this b. No settlement was reached because I never knew received an intent to sale or a deficiency notice. 

3. XXXX is a predatory lender, they repo my car after missing 1 payment, they did not properly notify me of intent to sale or deficiency balance, because they have a long practice of selling the vehicle - repo the vehicle after 1 missed payment, reselling the vehicle again, then selling the debt. So they make more money on repo then an actual sale, which is why they repo my car after 1 missed payment.

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 2020-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 items 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2020-05-29
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 {$570.00} This account is an result of identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent multiple letters to Equifax disputing things on my credit report and have not received anything from them about results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: SC
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 NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2022-11-06
Company: Experian Information Solutions 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as 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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$180.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: SD
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, Dept Of EdXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have a charged off account originally with XXXX XXXX  now TD Bank. I ha XXXX been trying to pay off the account. When I filed bankruptcy over a year ago TD Bank did now respond to the attorney request for account information. I am now trying to sell my house and can not settle without the payoff information. XXXX for XXXX XXXX XXXX have requested the payoff information three times and I have requested it all with no information for the account or payoff amount. Now I can not go to settlement on the house on XX/XX/2021 due to the lack of response from TD Bank. On XX/XX/2021 I call chairman collection department XXXX and could only leave a message with details of name, account number, and the situation that is happening. 
I have been communicating with TD Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent XXXX, XXXX, Experian multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent XXXX   ask them to investigate theses inquires and it seems to me like they just give me the runaround.

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