BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: OCEANFIRST FINANCIAL CORP.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an XXXX bank account on XX/XX/2022. They advertised that I could get {$230.00} with the following steps : 1. Open a new XXXX Checking account using the promo code XXXX. 
2. Opt into eStatements and download the OceanFirst Bank mobile app. 
3. In at least XXXX monthly cycles, receive {$500.00} in direct deposits. 
4. Bonus will be credited to your new account on the first business day after your 90-day account opening anniversary https : XXXX : XXXX I finished all steps, but I didn't receive the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I deposited a paycheck on XX/XX/2022 with the amount XXXX at a Wells fargo bank branch ATM, the next day I received the message from the bannk as : " We received your recent deposit to your Wells Fargo account XXXX and credited that amount to your account. 
Some or all of these funds will not be available for your immediate use. The reason for the delay and the date your funds will be available are stated below : Deposit Date Deposit Amount Amount Delayed Hold Reason Date Funds Will Be Available XX/XX/2022 XXXX XXXX Your Endorsement Was Missing XX/XX/2022 '' I talked with the bank teller in the branch and the customer service by phone, they told me because it is a large amount so they need my endorsement when deposit in a ATM, but when I did the deposit there was no reminder about that. 

I need the money to pay the rental in XXXX, so I talked with customer service for XXXX options, either send the check bak to me so I could sign the endorsment or they could cancel the check so I could ask my employer resend my another check. But they said either way won't work. 

They said they need XXXX business to verfiy with XXXX XXXX, where the check from, to collect the money, but my employer checked with his bankc account, the money already collected by Wells Fargo. 

When I talked with the superviser of Wells fargo on the phone, he just told me it is a common sense that ATM couldn't take large amount check that I should know. After I said I couldn't wait that long for the process because I need the money for the rental, he just said he couldn't do anything and hang up the phone which is very rude. 

Now I have to wait until XX/XX/XXXX for them release my check, it is unacceptable. I can not take that.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have student loans with XXXX XXXX XXXX that are reporting to have late/missed payments. I have worked with XXXX and it seems they have sent an update to the credit bureaus and the status still has not changed. I have 13 accounts with XXXX and 11 are showing past due on XXXX and XXXX of 2019. Since these loans were taken out they have always been in deferment. 

I have made numerous attempts to dispute this information. The only response that I am given, by mail is that the accounts have been verified. I have requested documents showing the investigation results and after 2 years none has been provided. 

In addition, I have been in contact with XXXX and each time I am advised the notification was in fact sent over to the credit bureaus.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit card information is incorrect. It was not made by me Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card

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 2023-03-02
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX XXXXXXXX veteran with a XXXX injury. Sometimes I forget things. I have a mortgage with Dovenmuehle dba XXXX XXXX. I set up my online account and have been making payments. I set up autopay to make sure I didn't miss a payment. To date, I am current on all payments due. 

Unfortunately, I forgot that I had set up autopay, and in an effort to ensure my payment was made, I made a one-time payment online. ( I have done this twice. ) There was no warning that popped up to let me know that it may incur a duplicate payment. It just let me make it. 

Fast forward to XX/XX/2023 : I went to my online account to see that my autopay was still engaged, but they had disabled my ability to make online payments. I thought this was the fix to my issue. It wasn't. It was punitive. Not only have they disabled my ability to pay online, they removed the autopay ( even though it still says that it's active ). I called them to verify my payments, and that's when I found out. I reminded them that my autopay was not the problem ; they didn't care. I told them that this is undue hardship on a XXXX veteran, and I told them that their actions are punitive as a direct result of my XXXX. They said, " Sorry. '' But did nothing to change it. So, in an effort to work with them, I offered for them to use my husband 's account, since the issue had been with me. They flatly refused. They want us to go spend money with XXXX XXXX or buy a Money Order to pay the mortgage, rather than work with my husband or acknowledge that their system is not XXXX XXXX friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The debt collector is enacting a levy on my XXXX XXXX  XXXX checking account which the debt is older than the statute of limitations under the federal Fair Debt Collection Practices Act ( FDCPA ) in New York. New York State recently passed the Consumer Credit Fairness Act which primarily changes the statute of limitations ( SOL ) from 6 years to 3 years for all collection lawsuits. I also havent receive any information about the debt theyre attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Union Home Mortgage Corp
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was able to talk to a customer rep through Union Home Mortgage who was sold my loan by XXXX XXXX XXXX. I shared with her that I requested the following documents that include but are not limited to : Certificate of existence Articles of Organization Articles of incorporation Foreign Qualifications, XXXX business licensing and permits federal tax ID. 

Copy of all paperwork and contracts pertaining to the sale of my loan as well as the financial and structural relations Union Home mortgage has with XXXX. 

I asked If there was an email address I could send a written request to? Her response was baffling. She stated to me to use the same email I had been using with XXXX because they were still affiliated. I stated to her that it seems suspicious and unethical that one company would sell my loan to another shell company owned by XXXX Most likely to limit liability after an influx of unpayable loans. 

Furthermore, please specify what currencies Union Mortgage will be accepting for payments should the sale be legal. Is union mortgage accepting Fiat dollar? If they are not, then the Mortgage is voided. 

Additionally on XX/XX/XXXX I received a letter stating that my loan was again sold from Union home mortgage to union home mortgage which is even more strange. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2023-02-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NelNet had my loans prior to consolidation, when applying for XXXX they provided inaccurate count of 'qualifying ' payments made under changes with the program causing me years of payments that should count. Under NelNet and their 'automatic payment ' system which controlled their transaction dates that could not be altered, payments were being made and marked as late. They would also apply payments to select loan ( s ) and mark the others as late/not paid. 
While on deployment they completely stopped automatic payments, sent a new form ( which could not be received and faxed in as required at that time ) to reestablish automatic payments due to a " glitch '' after a system change/update. On return, receiving the communication and finding I was showing no payments made and multiple XXXX, XXXX, XXXX and 120 days over due on different loans I reached out to NelNet via phone. Customer service would not fix the late markings/count any payment as on time at all, nor restart income based repayment plan or automatic payments with out first paying all overdue amounts, multiple stacked service and late fees at once. 
Ineffective systems and servicing should not further adversely affect the payee but reflect upon a servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
The accounts and inquiries listed below are fraudulent and being reported illegally XXXX XXXX Bank {$880.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Acct # XXXX XXXX XXXX XXXX {$200.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX INQUIRIES XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
XXXX, and XXXX continue to report false information in : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2022-07-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have two collection accounts on my credit report by a company called XXXX XXXX XXXX. One is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. Transunion, XXXX, and XXXX did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: GA
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 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: AR
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
when i visited annualcreditreport.com all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.

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 2021-05-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I HAVE BEEN A MEMBER WITH NAVY FEDERAL SINCE XX/XX/2019, I HAVE APPLIED FOR THERE CREDIT CARD, MORTGAGE PROGRAM, AUTO LOAN FINANCE AND ALL BEEN DENIED, MY MOST RECENT APPLICATION, I APPLIED FOR UNSECURED CREDIT CARD APPLICATION AND WAS DENIED, I HAVE HAD A SECURED CREDIT CARD PLUS 3 ACCOUNTS CHECKING SAVINGS AND BUSINESS ACCOUNT ALL IN GOOD STANDING, EACH TIME IVE BEEN DENIED FOR ONE OF THERE SERVICES I HAVE NEVER RECEIVED A DENIAL LETTER EXPLAINING WHY I HAVE SENT EMAILS TO THERE RECONSIDERATION DEPT XXXX EACH TIME, ILL RECEIVE A CALL FROM A REP, THAT JUST REINTERATES THE SAME SCRIPT THAT MY ACCOUNT IS REVIEWED EVERY MONTH AND THAT THERES NO SPECFIC TIME WHEN ILL BE CONSIDERED FOR AN INCREAE OR I SHOULD RECEIVE A LETTER IN THE MAIL WITH MORE DETAILS, IN ANY EVENT SINCE BECOMING A MEMBER MY CREDIT SCORE HAS IMPROVED TO OVER 700 BY WAY THROUGH THEIR APP, SO I ATTEMPTED AGAIN AND WAS DENIED AGAIN, AFTER REQUESTING PROOF OF INCOME, BY WAY I SENT IN MY RECENT PAYSTUBS YET THEY DENIED ME FOR UNABLE TO VERIFY INCOME TO WHICH I HAD TO CONTACT THEM TO FIND OUT WHY, WHEN I NEVER RECEIVED A LETTER, WHEN I SUBMITTED THE APPLICATION, I HAD TO SEND AN INQUIRY THROUGH THEIR MESSAGING SYSYTEM THROUGH THEIR ONLINE SYSYTEM, TO ASK, AN A REP RESPONDED THAT ITS BECAUSE THEY COULDNT VERIFY MY INCOME WHEN ASKED TO SUBIT MY TAX RETURNS, THERE WAS NO REQUEST OF MY TAX RETURNS THERE WAS A REQUEST FOR " PROOF OF INCOME '' WITH PAYSTUBS, TAX RETURNS BEING AN OPTION, YET THATA THE REASON THEY DENIED ME, FOR A VERY LONG TIME IVE BEEN SENSING IS A SENSE OF DISCRIMINTATION FROM THEIR UNDERWRITING DEPARTMENT AND I CAN NOT SEEM TO GET A DIRECT ANSWERS ON THESE DENIALS THAT MAKES SENSE, IN ADDITION, I ACCIDENTIAL REQUESTED AN OLD STATEMENT AND THEY SENT ME A MESSAGE SAYING UNABLE TO SEND THE STATEMENT UNTIL I CHANGE MY ADDRESS BUT YET SENT THE STATEMENT VIA XXXX XXXX AT THE SAME TIME, WHICH A CONTRADICTION OF THE COMMUNICATION, I SENSE THAT THESE REPS ARE NOT ON THE SAME PAGE, AND I FEEL THEY ARE NOT PRACTING LEGAL TACTICS UNDER CONSUMER LAWS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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