BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, AND ON XX/XX/21 YOU RESPONDED THAT IT WAS A DUPLICATE COMPLAINT. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) The Bureaus, INC stated that their client Bureaus Investment Group Portfolio No. 15, LLC, has bought this debt, so a person would not owe this alleged debt to The Bureaus, INC, their client or the assumed original creditor ; THE BUREAUS, INC just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave The Bureaus, INC permission to have my personal information, that is a violation of my right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, The Bureaus, INC just admitted to participating in conspiring against my rights with their client, Bureaus Investment Group Portfolio No. 15, LLC and the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028 by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts.

With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX On Sunday, XX/XX/XXXX, we purchased XXXX kittens  on this website ( XXXX XXXX XXXX ) for a total of {$1000.00}. XXXX XXXX XXXX We paid, using Bank of the West , online banking with a XXXX wire. 
Name of the seller : XXXX XXXX email address of the seller : XXXX Phone number that they used : XXXX XXXX XXXX XXXX email address : XXXX ( and also they proposed to pay with XXXX for the additional fees ) : XXXX This morning they sent us an email from XXXX, with this phone number ( XXXX ) XXXX asking us to pay {$2600.00} for XXXX crates. 
Of course, we didn't paid for the crates and we never received the kittens. 
Then we reached Bank of the west, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact XXXX. 
Of course, XXXX is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an escrow account with my mortgage. I received a cancellation notice of my homeowners insurance and called the escrow dept and they stated they had no record they were to pay the insurance. I had slipped through the cracks\!! They ended up paying XXXX annual premiums. Then my property taxes were due and I was assured my taxes would be paid. However, it created a major deficient in my escrow account. During that period, they did an escrow review and notified me XX/XX/XXXX, my payment was increased {$100.00} in XX/XX/XXXX- not even XXXX days notice. My payment does not need to be increased. It was only because of their error the mess was created. Their mistake and I am penalized. Then I received another notice my payment would be increased {$100.00} in XXXX, 2015 to correct the escrow account. The insurance company is to return the overpayment to me but I have not received it. As soon as I receive it, I will correct the deficit on the escrow account. In the meantime, the company has sent me the statement for XXXX, 2015 adding an additional payment of {$45.00} I presume is for the escrow account. I am informed that when the deficit amount is brought current, I can request to eliminate the escrow account which I plan to do. But what do I have to pay until then? Not my mistake and yet I have to be penalized. Customers who have not missed a payment nor been late with any payments, should not be treated this way. They violated the rules and are trying to make themselves look blameless and blame the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Sokaogon Finance, Inc.
State: HI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Due to an unauthorized entity gaining my checking account information I advised White Pine Lending that I neede to revoke my previously granted authorization to present ACH debits to my bank. White Pine accepted my revocation and advised me that I had til XX/XX/XXXX to come up with a new payment method. On or about XX/XX/XXXX White Pine declared my loan in default ( mind you the payment was due on XX/XX/2016 ) and has begun to email me multiple times and also calling me multiple times. Additionally I asked the entity to not contact me at work but they have attempted to contact me at work.

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 contacted Transunion several times & explained to them how they needed to verify the items that was on my report. They failed to send me documentation of a Bankruptcy on my report & file. I have contacted them several times about the issue. they came back stating that they have verified this account with XXXX. XXXX uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. XXXX going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), XXXX did not have a Permissible purpose nor did they have your written instruction. Transunion still has no " SOLID '' prof as to how you received the information because XXXX is not crediable and violated my rights. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from XXXX XXXX gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,

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 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX I sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across XXXX, Transunion and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. Transunion is reporting a date of last activity of : XX/XX/XXXX, XXXX is reporting : XX/XX/XXXX, and XXXX  is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other 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 2020-04-07
Company: Mr. Cooper Group Inc.
State: NY
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 bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX XXXX XXXX  they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for Mr cooper and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: I.C. System, Inc.
State: CA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to 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 explanation
Consumer complaint received 2015-08-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have a payday loan which went into collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX file # XXXX.orignal debtor was checksmart financial co inc, california check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Genesis Lending
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for and received a Genesis Loan to attend XXXX PA XX/XX/XXXX. I applied for the Genesis loan because I was told it was my best option to get funding for my education. During my time at XXXX, I paid on interest on my Genesis Loan. I also had to reapply for a second loan to finish out the school year/education. Recently there has been a lawsuit against XXXX XXXX, owner of XXXX and other schools. They were told to pay 40 % of students loans who had gotten Genesis loans. When I found out about it, I inquired why I had not received the 40 % forgiveness. I was told that I never had a Genesis loan. I asked how that was possible since everything I signed at school was for Genesis or a federal loan. I was told they just serviced the loan. I asked who the owner of the loan was and they gave me a name but they could not give me a number/address/website or any information regarding how to contact the owner of the loan. I decided to file a complaint. I got a response from Genesis that they never owned the loan and would request the loan be taken off my credit history. Due to my work, I did not have the time to gather the information I needed to file a dispute to their claim. After I filed the complaint, I received a letter from Genesis stating that they would no longer be servicing my loan XXXX. I had never heard of XXXX before Genesis told me about them. I have tried to contact XXXX XXXX XXXX to get a copy of my original loan information but that has led to no where. The research I have done into them has proven no known employees, no phone number and no website that I can find. I started looking through my taxes and emails and found my student loan statements XX/XX/XXXX. It shows the lender of my loans. My federal loan is owned XXXX. My private loan was owned by Genesis Lending XXXX. The emails I found are from a Genesis email account, asking my father to finish his cosigner application online at the Genesis website. I believe Genesis Lending has falsely moved owner ship of my loan to avoid forgiving 40 % of my private loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: U.S. BANCORP
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XXXX of 2003 XXXX transfers, totaling about {$50000.00}, were arranged from a bank in XXXX, to banks in XXXX and XXXX XXXX. XXXX were unsuccessful, resulting in the loss of these funds despite {$60.00} in bank transfer fees paid. The sending bank, according to their printed wire receipts, indicate that mistaken and incomplete wire transfer numbers were used. Their reports indicate no problem with the transfers, despite the non-receipt by the intended recipients. Because no problems were evident on these reports, and the intended recipients had no basis to know to expect wire transfers, and no verification of these transfers were made, these XXXX transfers have been lost. Both the sending and recipient banks no longer have records, although printed records from 2003 are available. Direct contact with the sending bank has been unsuccessful in securing their cooperation in repayment of the lost funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation