BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Letter sent to PHH relationship manager To Whom It May Concern : This letter is to inform you of a scam currently being conducted under the Ocwen name. Since PHH is a subsidary of Ocwen, it is in your best interest to address this issue. 

In XXXX I received a call from a relationship manager named XXXX XXXX. He informed me that even though I had a trial modification approval, I would have to send in an additional {$XXXX} to reduce my escrow amount. I was to send it via XXXX to a 'XXXX XXXX XXXX XXXX. It was sent on XXXX/XXXX/2019. 

Then the story continued, to the next 3 months of trial modification payments. The last one being made on XX/XX/XXXX. 

On XX/XX/XXXX I called PHH to ask when my account would be updated, only to be told I had been scammed and my only option was to apply for another loan modification. 
Needless to say, I am very upset! ( I am proceeding with another modification, and have sent in all the required documents. ) However, today at XXXX : XXXX I received another 'Ocwen XXXX call. And indeed, it was XXXX XXXX XXXX. He can be reached at XXXX. However, he does call me on the Ocwen number XXXX. He stated that my credit is bad, and I need to send in another payment, etc etc. When I told him what I really thought, and that he was / is a scammer, somehow, the call faded away. I will never send him another dime. 

So these are my questions : If this is an ongoing scam, when are you going to stop it? 
He obviously is an Ocwen employee, or has access to Ocwen information, as he has the information on my account. 

While this was taking place in XXXX, XXXX, XXXX and XXXX, I repeatedly checked my PHH account, and had no access to it, until approximately the middle of XXXX. So I believed him when he said after my payments were complete, it would be updated. 

He obviously knew about the window of no current information between the Ocwen and PHH transfer. Perfect opportunity for a scam! 

He would not allow me to talk to anyone else. He was appointed as my relationship manager. 

My mistake was to believe him. But what else could I do with no information online, and no access to PHH. :??? 

I have copies of all the transactions. I will be faxing them to the missing payments and the research departments, along with this email. 

This involves over {$XXXX} which obviously, since our loan is in default, we can not afford to lose. 

I will not be overlooking this matter, and will be anxiously waiting for action on Ocwen and PHH 's part. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX VA XXXX XXXX/XXXX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2020-02-29
Company: SLM CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank was very rude to me when applying for a credit Card their system said it was pending I have a fraud alert on my credit report I called them to inform them they were rude to me it sounded as if someone was in their house watching a kid slot of baby noises and I got declined thats same night I got an email I called them the next day to ask them why and the reason I received didnt make sense I asked if they can reconsider since their is nothing wrong with my credit it was their system decline I contacted XXXX and they said they dont make decisions to approve an application its up to the creditor but when I called with this stupid reason they provided they refused to help me their email just states too many Bankcard accounts opened in 24 months I just become a us citizen and have begun building my credit with those new accounts I asked them if they had a reconsideration. Or underwriter department they said no and I asked so when will this reason stop being used against me refused to answer my questions and concerns horrible bank

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

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 2022-09-13
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I looked on my online bank checking account at First National Bank and saw on XXXX a direct deposit of {$7100.00} to my account from my insurance company for a claim of damage to my roof. It was in the afternoon on that day. Then on XXXX during the afternoon I transferred {$4000.00} to my savings account of the same bank. On XXXX I looked on line again and surprisingly saw a Line of Credit of {$2000.00} from the bank saying I owe that money for arrears in my account. I talked to a supervisor, XXXX ( last name unknown ) and asked why was the Line of credit issued. He told me the {$7100.00} was posted on XXXX not the XXXX. I told him I saw {$7100.00} was direct deposit on line on the XXXX and that's why I transferred {$4000.00} on the XXXX. I asked him why did they move the direct deposit from the XXXX of XXXX to the XXXX of XXXX three days later? He did not give me an honest answer because he wanted me to believe that the amount took a few days to be posted, but I kept telling him " I looked on line and the deposit was on the XXXX and how could I see that and know I could transfer money on the XXXX ''. He would not accept the fact it was deposited on the XXXX, nor resolve anything with me and said I had no recourse that it was either employee error or a glitch in their computers. I would like to be reimbursed my {$2000.00} I had to clear for their Line of Credit they charged me wrongfully, and not admitting a glitch in their computers or employee error. I can not pay {$2000.00} for their mistakes.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2020-02-29
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ENHANCED RECOVERY ( 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 {$810.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX have violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) 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 2023-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Company: Experian Information Solutions Inc.
State: MD
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, XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-04-14
Company: Credit Bureau Central Inc (MS)
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently check my credit report on XX/XX/2021 and notice some collections from CREDIT BUREAU CENTRAL , INC D.B.A. CBC RECOVERY, LLC for some alleged debts of {>= $1,000,000}, and XXXX that i do not owe. I sent them letters on XX/XX/2021 requesting for documentation of the alleged balances, as of yet I have not heard anything from them.I also have attached copies below for the records. this is stressing me out and causing my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a fake check and didnt acknowledge it until my bank account went negative, Im currently out of a job and the date I cashed the check was XX/XX/2020 and it was processed by XX/XX/2020. I had at least XXXX $ or XXXX $ before this had happened and called the bank multiple times to get a solution but was not able to be helped up until the 4th time I had called and was redirected to someone that finally told me shed help me fix the problem. My account was about to be closed since the check was fraudulent. When I had first cashed the check at least 400 $ was made available to me and right after I cashed it, I called my bank to make sure that the rest would be coming in at this point stating the amount I had gotten from the check. I understand completely that being scammed is partially a fault of mine since I did not read the check carefully but I would at least like to have the amount of money I had before back. I currently bank with Wells Fargo and they said there was nothing they could do and I had to pay back whatever I was due which was negative XXXX. Which I found really unfair. With the XXXX  I sent back to the person who was supposed to be paying me. She said she had her client send over the check to me but it was over the amount that was due to me. I was selling a designer wallet. And due to that I said okay because I was not aware this was a scam going around out there. I was completely and utterly shocked to find my bank account negative and thankful to have a friend able to pull me out of 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 explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately. 
XXXX  XXXX/XXXX -- -XXXX # XXXX IN THE AMOUNT OF XXXX SHOULD BE REMOVED IMMEDIATELY..

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.

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 2023-03-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a payroll check in the atm than it got stuck and check not found

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 2017-10-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Remove it violated my rights Still XXXX refuse to pay me Experian not any better XXXX XXXX XXXX Lied so much said all kinds of XXXX protectionism that she should be fired Lies doesnt know what or how to do her job I wan XXXX associate to personal apologize for being a liar Violation of 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 2023-01-04
Company: EQUIFAX, INC.
State: OR
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:
So I sent a letter of on XXXX remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$510.00} XXXX XXXX & XXXX XXXX {$320.00} XXXXXXXX XXXX XXXX XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: RentDebt Automated Collections, LLC
State: AL
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:
I want the XXXX XXXX XXXX  and the automated rent debt collection removed from my credit. Both accounts have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Personal information incorrect

Complaint:
Within my equifax credit report I have a hard inquiry from XX/XX/2011 that has an incorrect name that I did not make. The inquiry is 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ( 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 {$450.00} 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 response to consumer: Closed with non-monetary relief