BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
Transworld Systems ( original creditor XXXX XXXX XXXX XXXX ) are reporting to XXXX and XXXX that I still owe a debt of {$120.00}. I've tried disputing this with yhe credit bureaus but keep getting an outcome that the creditor states I owe {$120.00}. I've paid in full back in XX/XX/2022 the full amount of not only the {$120.00} directly to Transworld Systems but for another medical debt with Transworld Systems as well. I've requested receipts of payment from creditor... still have not received. I've called Transworlds Systems who verifies there is no balance but they continue to report inaccurately to the credit bureaus. I've ask that they update with them and they refuse. I've filed disputes and at this point the credit Bureaus state they can't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me to delete these illegal accounts from my reports.

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 2022-12-20
Company: PNC Bank N.A.
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: Personal information incorrect

Complaint:
XXXX, XXXX, XXXX and PNC Bank. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; XXXX XXXX call me and let in me know that this Vehicle has a XXXX and is going to give back to the XXXX holder PNC Bank ; the value of this vehicle it was Over XXXX PNC Bank never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: GA
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 XXXX 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 explanation
Consumer complaint received 2023-03-28
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commerce Bank sold my account to XXXX XXXX XXXX in 2019. Then they reported my account as cancelled to the IRS. This was wrong as XXXX XXXX XXXX continued collection for this account. IRS is now wanting me to pay taxes for cancelled debt in 2019 for Commerce Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to link my bank account to my XXXX XXXX  witch it does not allow me to do so, an say that my bank ( PNC ) has made changes not allowing it to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions 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- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK  STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management LLC address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ph : XXXX then payment address is XXXX XXXX XXXX, XXXX, XXXX  XXXX Trying to collect on a debt that isn't mine. 
States the debt is for XXXX XXXX XXXX, however, XXXX XXXX XXXX does not use this agency for collections nor do I have an outstanding bill. When I reached out to XXXX XXXX XXXX they stated this was a scam and to not give them any personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Pinnacle Credit Services, LLC
State: CA
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:
XXXX XXXX  Account name holder is XXXX XXXX And the debtor is XXXX bank pursuant to 18 USC 8 I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 XXXX  company has also no permission to put anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Lending Club Corp
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:
Lending Club Corporation is showing a charge off on my credit reports. This debt was included in Bankruptcy case XXXX in the XXXX XXXX district of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. When purchasing this vehicle I traded in my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX I owed XXXX dollars on still and the XXXX XXXX I did not owe any money on at all. When purchasing the XXXX XXXX XXXX the car was {$22000.00} end of purchase even after trading in both of my previous cars in which the XXXX they gave me a trade in value of {$8000.00} and for the XXXX XXXX they gave me a trade in value of {$5000.00} the price did not change even with my trade ins. I was told the entire time by the salesman XXXX and the manager XXXX that the interest rate was only 10 % so I went a head and signed the paper work and purchased the vehicle. A month later when I looked through the paper work I came to realize they both falsified information and mislead me. The interest rate on the vehicle was not 10 %. It was 25 % meaning I didn't buy the car for {$22000.00} at the end of the loan that would make me owing the financer XXXX XXXX  {$46000.00} I soon realized this was a down fall and a used car is not worth that kind of money. This lead to a repossession. The reposession came about due to false information and being misled not only by the salesman XXXX but also by the manager. I would like to have this removed from my credit report seeing that it honestly is not my fault that a salesman and a manager misleads customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX Noticed Multiple Fruad account and a few inquiries on all three of my current credit reports.

Company response to consumer: In progress
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}

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 non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and account # XXXX all under ( XXXX ) and XXXX charge off with no account number. all for has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2021-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My account is still showing as behind. They are sending me several letters about being behind when I called in XXXX to clear it up and paid what they said was owed and have not missed a payment since. However they have put my account as delinquent on my credit report. 



On XX/XX/2021 I made a payment of XXXX. On XX/XX/2021 a payment was made on my behalf and a payment of XXXX was made on my behalf. Why hasn't it been processed? There is literally nothing on the site that it updated and you have to call in for everything. I called in on XX/XX/XXXX, and told that my balance was XXXX. It hasn't been updated or changed to reflect current amount due. I also made my XXXX payment and still it is showing online that I owe for XXXX. All of my payments are reflected in the screenshot above. XXXX and XXXX were paid from my sunburst account I have proof. 


Can someone please call and explain what is doing on? I have proof of all of my payments. Why was it put on my credit report when all my payments are up to date XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX 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 a 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 explanation
Consumer complaint received 2024-01-03
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted PlusFour who told me to contact XXXX XXXX XXXX there was nothing they could do. That their client had to contact them. I contacted the Billing Department of XXXX XXXX XXXX and was told by the Billing Dept that there's nothing they can do since XXXX didn't pay. I continue to get the run around from the Billing Department of XXXX XXXX XXXX and PlusFour. My insurance companies have reassured me that I had coverage at that time and should not have been billed. I have been dealing with this since XX/XX/XXXX and I am still in collections and I have yet to get this issue resolved. 

After my 2nd call, I spoke to Supervisor XXXX of XXXX XXXX XXXX and informed her about being sent to collections in error and that I have had coverage with XXXX & XXXX during the DOS that I was billed and sent to collections. I explained everything that was told to me during the 3-hour conversation with a rep from the state of Nevada 's XXXX office. She also didn't understand why XXXX was not billed and why I was sent to collections. 
Per XXXX of XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX did not pay for the following DOS & Claim No : ** XX/XX/XXXX XXXX {$22.00} **** I owe and paid this claim since my XXXX coverage did NOT start until the following month ( XX/XX/XXXX ) ** XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$26.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$99.00} ( XXXX ) I had coverage with XXXX & Nevada XXXX at the time of this DOS On my 1st call to the Billing Dept of XXXX XXXX XXXX, I spoke with XXXX ( male ) rep who disconnected the call after I repeatedly asked to be placed on hold to speak with a supervisor. 2nd call spoke with Supervisor XXXX. 3rd call left a complaint/message with CSR for management of the Billing Department which they still have not gotten back with me. When I call everyone is either busy, out of the office, in a meeting, or on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: VA
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 XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, & XXXX XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a letter from my Mortgage company XXXX XXXX XXXX stating that on XX/XX/XXXX my mortgage will transfer to XXXX XXXX. Prior to the change, it was time for my yearly mortgage analysis and my new payment will start on XX/XX/XXXX to XXXX XXXX. I received a letter from XXXX XXXX on Saturday stating that they did another analysis on my mortgage and they discovered that I have an escrow shortage of {$730.00} already with only making two payments ( the last old payment of {$1000.00} for XXXX and one new payment of {$1000.00} for XXXX ) to XXXX XXXX and my new mortgage payment will increase to {$1000.00} beginning XX/XX/XXXX. Upon receiving XXXX  XXXX XXXX analysis, they give you two payment options to choose from if there's a shortage. Comparing the current amounts of my taxes, homeowners insurance, and my MIP to my new amounts, my home taxes raised {$8.00} per month ; insurance lowered {$13.00} per month and my MIP lowered {$1.00} per month. This is where I'm having a difficult time understanding why and how if certain items have lowered, why an I short {$5.00} per month. They tell me those are projected amounts ( the amount that could be but its really not as of the present time ). If im already paying a projected amount, why do I have to pay for a " cushion ' as well? It's the same exact thing but worded differently. Not only are they charging me extra money but the form XXXX sent me had incorrect information on there. This needs immediate attention and a new form sent to me with all corrections XXXX. Under the section of the analysis where it states the payment breakdown as of XX/XX/XXXX, XXXX and I both told XXXX ( ID # XXXX ) that the amount and the date were incorrect. {$1000.00} is my new amount as of XX/XX/XXXX. In XXXX, my mortgage was {$1000.00}. XXXX ( XXXX ) proceeded to inform us that they can not change any information on the legal documents and I have to keep the incorrect one. Is there some type of protection for consumers for these types of situations? When I received that letter, I immediately contacted HUD and they directed me to find the number to XXXX where I was assigned to XXXX XXXX. We did all that we could to get them to resolve these problems and there was nothing XXXX ( XXXX ) could do for us. I am writing to ask if there's someone that could assist me concerning this matter? I do not have much time to get this resolved being that my new mortgage starts XX/XX/XXXX. Thank you for your speedy response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: CO
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 have spoken to company, XXXX XXXX XXXX XXXX XXXX. about this incorrect information on my credit report on or about XX/XX/XXXX also sent an email on the dated XX/XX/XXXX.This information was  sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
XXXX XXXX XXXX stating that the company has decided to make XXXX XXXX XXXX XXXX., ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/XXXX. XXXX has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, 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 explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NY
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:
RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by XXXX XXXX on XX/XX/2022. 

However, in a previous correspondence/letter, XXXX XXXX ASSURED ME that XXXX XXXX will be reporting my forgiven consolidated amount of XXXX to the XXXX Credit Bureaus as `` PAID IN FULL ''. 

THIS IS NOT THE CASE. XXXX XXXX is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO XXXX XXXX XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If XXXX complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When XXXX XXXX is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because XXXX does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX  XXXX ''

Company response to consumer: Closed with explanation