BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: WATERSTONE MORTGAGE CORPORATION
State: NV
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:
On XX/XX/2022 I received a notification via XXXX that my credit file had been viewed by Waterstone Mortgage. Upon digging deeper, I found that a mortgage loan officer by the name of XXXX XXXX, located in XXXX New Mexico, viewed my credit report without my consent. This resulted in a new inquiry being placed in my file, which I did not agree to. I was unaware that my social security number was even going to be used to view my credit report. In addition to viewing my report without my consent, XXXX XXXX shared my private credit information, debt amounts, loan information etc. with a family member. There was absolutely no regard for my consumer or credit security during this action which all took place over a phone call. I have never intended to obtain a mortgage loan in the state of New Mexico, as I currently reside and have built a life elsewhere. The use of my social security number, and the sharing of my credit file information was completely done without my knowledge or agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 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 explanation
Consumer complaint received 2022-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
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 am currently attempting to purchase a home. Toyota financial services is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact Toyota several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: MD
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 XXXX, MD XXXX I am writing to dispute the following information provided to Experian, XXXX and XXXX. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXX XXXX and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXX XXXX sending on XX/XX/, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the XXXX XXXX of each month. In my case, is XXXX XXXX XXXX Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My prior insurance agent failed to renew my content insurance policy in XX/XX/XXXX. We were notified in XXXX of this problem. We immediately fired our agent and got a new one. The following day we were insured and had alerted Wells Fargo of the new policy we had acquired. They assured us that we solved the underlying issue and I thought all was resolved. 
Then a couple days later we began receiving calls and letters every week claiming that we do not have said insurance. Between XX/XX/XXXX and XXXX of this year in XXXX my insurance agent and myself sent the proper papers alerting Wells Fargo that our insurance has been valid since XX/XX/XXXX. We offered to pay any debt we had incurred between XXXX and XXXX of that year. 
Wells Fargo has now advised us that they are going to open a case to resolve this issue but still have not opened any case. While this has happened they have doubled my mortgage payment. This is all for a XXXX dollar content insurance policy. On top of that Wells Fargo has still not said why and I still receive calls and letters.

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 2022-09-21
Company: EQUIFAX, INC.
State: NJ
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 has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXn ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) XXXX XXXX XXXX  Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section : Also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall notfurnish 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 explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: AR
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 several inquiries on my Experian credit report that i do not recognize. I have contacted Experian and the companies that have reported this information and i have gotten nowhere with either of them. The inquiries on my report are XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 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 2022-06-27
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
KIA XXXX ACCT # XXXX I am writing to complain about fraudulent lease-related practices at the XXXX KIA dealership XXXX at XXXX Rt. XXXX XXXX in XXXX, New Jersey. 

The dispute in question is embedded into this communication as an appendix. 
On XX/XX/XXXX, I completed the terms of my XXXX lease of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original lease was initiated on XX/XX/XXXX. I then entered into a new lease on the same day for a XXXX XXXX XXXX. While learning what my options would be in terms of moving into a new lease. I asked the Sales Associate, XXXX XXXX, directly about how to deal with minor damage on the car I had leased. He basically dismissed the question and did not address it further. 

Subsequent to this, I received a communication from XXXX saying that I owed more than {$2400.00} in damages, despite the fact that I had purchased the Excess Wear and Use insurance, which was strongly recommended by the sales team. This insurance cost me roughly an addition {$40.00} per month. I made numerous efforts to reach out to XXXX XXXX without any response or guidance. Note that XXXX XXXX is no longer with the company. 

This lack of transparency and intentional obfuscation was the basis of what has become an unethical debt collection situation. A charge-off was posted to my credit report in XX/XX/XXXX. When I attempted to contact the corporate office, once again I was not given the information needed to further investigate the Excess Wear and Use Insurance or to use something that was rightfully mine and that I paid in excess of {$1500.00} for. 

This business has a grade of F from the XXXX XXXX XXXX XXXX https : XXXX ), with numerous complaints filed for this type of bait and switch activity. I have tried to rectify this situation for more than 3 years and have intentionally been ignored or misled. Somehow they say that they have no information about the Excess Wear and Use Insurance in terms of how I might access it, although they sold it to me. 

I request that this be removed from my credit report immediately and that your agency provide additional information about how to move forward with this situation. Also, is it possible to sue in order to compensate for the impact of a charge-off on what would otherwise be a near-perfect credit report? 

Please advise and 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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank has TOTALLY SHUT DOWN, you can not access your account at all on line to check balances or pay your bill. 

No customer service get a message due to " unforseen circumstances they are closed ''. They have have messages out there for the last two weeks that they are conducting a system upgrade!!! PLEASE HELP!!! this is so unacceptable, they give you NO alternate way of paying your bills, people are scared!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was some type of issue where automatic payments on a XXXX XXXX XXXX did not go through which resulted in Shermata Law XXXX XXXX company taking over the account & getting a court order for garnishment. After I presented my situation to the court the garnishment was set aside & I made payments in full to Shermata & now Shermata is having my wages garnished again for money I do not owe. According to the courts they will be taking 25  % of my wages which is a lot of money & the courts direct me to talk to Shermata but when I call the # listed XXXX it directs me to call XXXX when I call that I get put on hold for a long time then a recording comes on that states no one is available to take my calls so I can not speak to anyone to get resolution. I faxed in copies of my payments which reflect that I actually overpaid on the account but nothing has been done to stop the garnishment & the courts are stating they can't without Shermata contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: GA
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 filled bankruptcy XXXX  XXXX in XXXX of XXXX  My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We leased a XXXX XXXX XXXX in XX/XX/XXXX, and had our lease financed through JP Morgan Chase. We just purchased the vehicle from that same bank because the lease was coming to an end in XX/XX/XXXX. We submitted all the forms they requested and a check for {$23000.00}. In the odometer statement we were required to fill out, we wrote our odometer reading of XXXX miles. 

We just received the certificate of title from JP Morgan Chase and they wrote an incorrect number for the odometer reading. They wrote XXXX miles. 

Obviously, this is a HUGE problem as it in incorrect. We contacted the bank tonight and spoke with both XXXX, a customer service agent, and XXXX 's manager XXXX, who told us that the bank would re-issue the certificate of title. 

I wanted to let you know that : 1 ) The incorrect odometer reading significantly reduces the value of the car because it reflects a much more used car than it is in reality, and affects us the consumer after we had meticulously cared for the car and kept it well under the annual mileage limit we agreed to of XXXX. 
XXXX ) It's incorrect information written on the odometer statement, which according to the document is a false statement and " misdemeanor '' XXXX ) When we called the bank tonight to complain, they asked us to patiently wait for them to send us an affidavit correcting the mileage on the certificate of title. When I asked the agent whether the NY XXXX would accept the document, he did not and did not appear able or willing to research this. 
XXXX ) We asked to speak with his manager. We again asked whether NY State would accept affidavits. XXXX looked this up and said that an affidavit would NOT be accepted in the state of New York, and that he would work with the titling department at JP Morgan Chase and the NY XXXX to re-issue the title. 

I am somewhat preemptively filing this complaint. I truly hope that JP Morgan Chase does right by us and fixes the problem. I think nonetheless it's problematic that it's the consumer 's responsibility to fix a problem the bank created out of sloppiness. It's also a concern of mine that without this complaint, the problem won't get fixed to resolution. 

I'm attaching a XXXX of the title Chase sent as well as an image of our odometer in the XXXX we purchased showing the correct mileage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX recently started sending me bills for a service that was cancelled 10 years ago. Last year I called them and they apologized and cancelled the bill and promised it will not happen again. This year on XX/XX/2020 once again they tried to charge me ( see attached ). Since my credit card number, a Capital One Visa was changed for security purposes they were not able to charge my card and informed me that if I do not pay them my services will NOT be renewed after XX/XX/2020 ( see attached. ) Fine. Since there was no service to begin with I did not respond to them expecting whatever service they claim they were going to provide will end and the issue will be resolved on its own. 
This is the interesting part : Visa and Capital One provided XXXX with my new visa card number without my knowledge. And XXXX used it and " renewed a non-existence service. '' When I called Capital One they said since XXXX said this was for a recurring service therefore XXXX has the right to the new card number. This is outrageous. How Visa and Capital One give themselves the liberty to be the judge and decide if XXXX is entitled to anything? Did XXXX provide them with any proof that I had agreed to anything? Was there a contract that was presented to Visa or Capital One? If so, I like to see a copy of it. Since Capital One is defending Visa and its own action did they check to see when this " recurring '' service  was started and how many times XXXX was ever paid? How did they determine that the service was not cancelled? What do they know about this false claim and why did they take XXXX 's side without even contacting me about the validity of the claim? The legal and correct and fair response from Visa and Capital One should have been : NOTHING. They should have stayed out of this completely as the credit card number was not valid. They should have referred XXXX to the XXXX 's own customer, me. Is this the new game big corporations and bankers are playing to defraud consumers? I had to spend hours on call waiting for Capital One to respond to my phone call and when I asked for a supervisor that never happened. They blamed it on COVID-19???? How come COVID only works against consumer and not the bank? How is Visa and / or Capital One have been given this power to provide my information to XXXX simply because XXXX said so? What is next? What other information do they share with big corporations without consumer 's knowledge? These are small amounts that cumulatively adds up to billions of dollars and when Capital One hides behind Visa and there is no way for an individual consumer to fight Visa or corporations like XXXX and Capital One they all get away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX Tracing ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX Tracing. Equifax directed me here to fill out a report then mail to them.

Company response to consumer: Closed with explanation