davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

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
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balanced Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX  XX/XX/XXXXXXXX  ; XXXX/XXXX  XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX ;
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I applied for secure card, Wells Fargo agreed to give me the card. However, due to poor service experience from Wells Fargo, I requested them to cancel the card. Now I see this appearing as Hard Inquiry impacting my credit scores. I spoke to my Banker at Wells Fargo about it however, it seems she had no idea how to resolve this. 

Hence, requesting for the help now.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (MD)

I initiated a balance transfer with XXXX XXXX XXXX on XX/XX/XXXX from an account I have with XXXX XXXX. I was immediately concerned as the confirmation email did not have any details such as account number for the money being transferred, only XXXX XXXX 's name and the amount of {$1500.00}. 

I called on XX/XX/XXXX to confirm the details and told to expect an email with details I called on XX/XX/XXXX to express there weren't any details and was told it takes up to 30 days to process. They could not confirm the account number it was sent to I called on XX/XX/XXXX after realizing the amount was charged to my Comenity account and again was told it takes up to 30 days to process I called on XX/XX/XXXX and was finally given a transaction number and the last XXXX of an account number that doesn't match any account I own. I was advised by the Comenity customer rep to file a dispute. 
I called XXXX XXXX on XX/XX/XXXX to see if they could locate the transfer on their end with the minimal information given and was told need the full account number to be able to trace the money on their end. 
I called Comenity 3 different times over XX/XX/XXXX and XX/XX/XXXX to get the full account number and was given 3 different answers regarding when it would be sent to me and how. 
I sent a secure message to Comenity on their site on XX/XX/XXXX after none of the other promised emails arrived requesting the full account information. 
I received a detailed letter from XXXX on XX/XX/XXXX in response to my dispute which provided a great deal of information including that my {$1500.00} balance transfer was sent electronically along with {>= $1,000,000} plus in other monies but only the last 4 of the account number was provided I called XXXX XXXX again on XXXX and they could not trace it with the information provided by Comenity. They also told me they would have certainly sent the monies back within 10 days of receipt without being able to attach it to one of their accounts On my 3rd attempt through secure message on the Comenity site they sent back the account number as XXXX which is not even a XXXX XXXX MaserCard number. The only numbers provided were the XXXX XXXX
Consumer complaint received 2022-05-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX, XXXX-Modification FHA Trial Agreement, 1st payment XX/XX/2020 {$810.00} 2nd payment XX/XX/2020 {$810.00} 3rd payment XX/XX/2020 {$810.00} 4th payment XX/XX/2020 {$810.00} In which, I paid these as scheduled. I was told these were only the trail peroid payments and that the Modification actually began in XX/XX/2020, which was very confusing. Sometime between XXXX XXXX I contacted Mr. Cooper I feel was misinformed by one of the representatives from Mr. Cooper about the Forbearance for COVID plan. I did the Forbearance plan and wished the representative would have taken the time to review my loan and noticed I had a pending loan modification. Had someone explained how canceling the loan modification would have a huge impact on my loan, I would have never agreed on the forbearance. It has been such a challenge since these changes took place and it will show if you review my notes. It made it appear as if I selected to cancel the loan modification and that was not what I requested. I replied on the professional option from the representative from Mr. Cooper to assist me, with the best option for me. I have been in my home for almost 20 years and it is the only thing my daughter and I have.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In Accordance with the Fair Credit Reporting Act, the company below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX claims that they have been in contact with me about a debt in XXXX, which is completely false. I've never spoken to or agreed to pay any amount to this company. They were not able to provide info stating that I spoke to or agreed by contract. Please have them provide information regarding this conversation. There is a collection on my credit report for XXXX in which they claim I agreed to pay.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XXXX : Deposited an echeck into my Bank of America account. XXXX : Spoke on phone with a BOA rep who stated that the echeck had cleared. I specifically asked if I was safe to use the funds without fear that the echeck would be rejected by the issuing bank. Was informed that the funds had cleared and would not be reversed. 

I dispersed part of the funds at instruction of echeck issuer. Echeck issuer turned out to be a scammer. XXXX : the entire echeck amount was charged back to my BOA account - contrary to what I had been told by the BOA representative, I am now out the funds I dispersed ( via XXXX - per scammer 's instructions ). 

If BOA had given me the correct information instead of telling me funds were irrevocably in my account, I would not have initiated the XXXX transaction. BOA, so far, is not taking responsibility for giving me wrong information and, additionally, refuses to provide me with a copy of their recording of the conversation which clearly includes the incorrect information from their rep.
Consumer complaint received 2019-07-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd. (IL)

Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX  and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$340.00} XXXX XXXX account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX  account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status XXXX. {$25000.00}
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (MI)

I have never had a XXXX XXXX XXXX XXXX XXXXXXXX that gave me {$700.00} in credit. 
I have always been denied. 
I do not owe this money, this is first notice I have ever gotten, I do not have XXXX XXXX XXXX XXXX credit that allowed me to have any kind of credit. 

This is not mine
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX  account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status XXXX. {$25000.00}