BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-25
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from XXXX called my office line stating I need to call him and discuss about my Cash Call account. I actually got a call from some other person about two weeks ago. When I ask for more information, they ask for my social and birth date for verification. I do not have any loans with Cash Call, so I pulled my credit report to see if someone stole my identity. I did not see any Cash Call loan on my credit also. When I told them that I do n't have any account with Cash Call, they started harassing me that they already verify my social and birth date with my employer. They also started to raise their voice and became very confrontational. I told them to stop calling my work but they keep calling back.

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 2016-09-24
Company: Penn Credit Corporation
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Multiple phone calls per day from Penn Credit regarding ex husband who has not lived here for more than a decade. Refuses to leave a message on the answering machine. Has been told previously ( on several occasions ) that this person does not live here and we do not have a way of contacting him and we have no responsibility for his debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit Keep Calling My Residents About A Debt That I 'm Unable To Pay At This Time I Told Them That I 'm XXXX And Was Not Working And Did n't Have The Funds But They Keep Calling Me After I Told Them To Stop Calling And I Have Contacted A Law Firm But They Said They Got To Be Calling My Cell Phone For Them To Take The Case But They Are Calling My Home Phone Instead Of Cell Phone And I Want It To Stop The Name Of The Law Firm I Contacted Was XXXX XXXX XXXX They Offer {$1500.00} For Each And Every Unwanted Call You Receive To Your Cell Phone Even If You Owe Them Money This Is Harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They are calling before XXXX and constantly calling during times I am at work or in school. I 'd rather just get correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Expenses for Reimbursement : Condo Inspection - {$350.00} Copies from XXXX - {$4.00} Attorney Fees - {$880.00} Condo Questionnaire - {$140.00} Mortgage Application Fee - $ XXXX - XXXXWe expect the Bank of America to honor and accept the mistakes and shortcomings that occurred by their employees.The purchase of our condo fell thru XXXX days before the closing of XX/XX/XXXX.We ca n't express enough the disappointment of the loss of this purchase and expense and lack of trust and communication of Bank of America to do their jobs properly. On Monday, XX/XX/XXXX, our Attorney called us to let us know that the deal had fell through due to the neglect of Bank of America Mortgage Loan Officers doing their job in a timely fashion. The mortgage was approved. All papers were submitted to Bank of America by us for the approval. We were trying to reach the Bank of America Mortgage Officer & his Manager XXXX XXXX for days and only received a call XXXX days after I had submitted a complaint with the XXXX telling me that they would not refund all of our money even though it was their fault. What a disgrace. They always called us to call each of them as their way to communicate. It was bizarre. It was like they never even spoke to each other. The Mortgage Officer would not take care of the Condo questionnaire. We had to have our realtor pay for it up front. He would never answer her calls or emails. Then XXXX week after the questionnaire was completed, another Bank of America employee called because she wanted to take care of the questionnaire and wanted our credit card number. The Loan Officer had called us for our credit card number to pay for the mortgage fee application and said he was charging the card {$440.00}. He charged our card {$660.00}. Who does this? Is this how Bank of America does business? Our Attorney called us once a week complaining that both Bank of America Officers would not respond to their calls and emails. They put all of us from the very start in a very bad position with this whole process. The burden of their jobs was pushed on us XXXX a week. It was like every day was their first day on the job! My husband and I are just XXXX over this and their neglect. Please help us. 
Time Line : Bid with Realtor - XX/XX/XXXX Inspection on Property - XX/XX/XXXX Mortgage Approval with Bank of America, - XX/XX/XXXX Condo Questionnaire Sent to BofA Mort Loan Officer to Complete - XX/XX/XXXX Condo Questionnaire Completed by Realtor - XX/XX/XXXX We were notified that Deal Fell Through - XX/XX/XXXXthe closing was set for XX/XX/XXXX ... ... We just want our expense back for their shortcoming ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: CAVALRY INVESTMENTS, LLC
State: AZ
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:
account balance is incorrect, account has been settled thru negoations by XXXX XXXX XXXX, account number is a regenerated number and not the correct account number and account has been redated from the original account date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I received an email from PayPal on XX/XX/2021 that my account had been limited permanently and the money in it will be available for withdrawal after 180 days. It is now over 200 days and I have not received it, and the company is not helping avail it for withdrawal even with my multiple attempts and requests for them to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: TN
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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNT THAT SAY CHARGE OFF AND ACCOUNT THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've been trying to get XXXX, Equifax, and XXXX to correct multiple erroneous accounts that they have attributed to my credit file. I recently submitted a FTC Complaint to them in an attempt to resolve this ongoing issue. I've yet to receive a remedy that will correct this issue. Now I am reaching out in order to get this resolved and get these erroneous accounts that are listed on my file removed. I want all these accounts removed from the various reports at XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Problem with personal statement of dispute

Complaint:
I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE BANK, XXXX and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont aquire this debt this was identity theft XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX the payment for my mortgage in the amount of XXXX posted on my XXXX XXXX statement for my XXXX payment. 
I recently pulled my credit to close on a 2nd home and a mortgage late was found for the month of XXXX. The mortgage late indicates 30+ days late and that was not the case. When I called Pennymac the representative said they received the payment XX/XX/XXXX for XXXX but that their systems were automatic and there was nothing she can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Risecredit, LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX  XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXXXXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-02
Company: ACIMA CREDIT, LLC
State: SC
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:
XXXX XXXX and Acima Digital is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information. 
15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports. 
15 U.S.C. 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.

15 U.S.C. 1681b Permissable purpose 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Creditors Specialty Service Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I need to complain about multiple behaviors. First and foremost, the debt was not owed! That said, they engaged in the the following behaviors : ( a ) Made harassing phone calls including threats and profanity ( b ) been unwilling to provide actual details about the amounts owed or from where the original debt arose from ( c ) offered no way to dispute the debt ( d ) said they were lawyers ( e ) never sent written information This firm is a set of crooks. There is not even an attempt to seem like a reasonable, honest or forthright firm. This is the kind of firm the CFPB was established to investigate and penalize. 

The firm is called Creditors Specialty Services , Inc. in XXXX California. 

They claim to be associated with the following attorneys -- XXXX XXXX There is no way to call them directly or discuss a dispute because they have no business other than harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Massachusetts Educational Financing Authority
State: MA
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:
Back in XXXX of XXXX, there were 3 negative reports on a MEFA student, which XXXX is the servicer, since XXXX. These negative reports were on 2 loans - 1 as 30, 60 an 90 days late and the other 30 days late. These appeared on my XXXX credit report as he was applying for a home loan. As primary borrower on these loans, they were on my credit report also. 

I began contacting the Customer service department of XXXX, in late XXXX, to dispute the late charges, as I had been paying the company, along with my 2 co-borrowers and did not believe we had been late. 

This entailed many conversations with CSR for XXXX, directing me to complete a dispute report, which I did do. The first one was denied quickly through the mail and their portal via a form letter. At this point these were the only late charges on our 9 loans which we had 5 for my son, and 4 for my daughter. I spoke with more CSR people, filed another dispute, added more documents and our record of payments. Still denied. I kept contacting the company as i did not agree. Then they recommended a reapplication of the payments to fix the problem as they could see I was making regular payments, The first re-application resulted in more negative credit reporting on loans which were not noted as late before. I called them asking what had happened? I spoke with more Representatives. They did a second reapplication of the funds. These funds of course were payments we had made, they were just re-applying them. On XX/XX/XXXX when the second reapplication was conducted- they added addtional late payments, with XXXX loan stating it was late for 10 months in a row beginning in XX/XX/XXXX- through XXXX of XXXX. 

This is all erroneous and caused by them reapplying the funds, which had been received and not been late. I want the erroneous reports removed and not one person has assisted in a way to assist me the consumer. Everything that they did, added negative credit reports to my account. Which i have been paying regularly. They keep adding additional interest owed with each reapplication of the payments. 

This company has numerous complaints like mine. I would never do business with this company by choice. We will refinance these loans, but need this credit reporting cleaned up before my children can refinance them. 

Any assistance which can be provided to me would be helpful. I intend to file another credit dispute, but their system only harms my credit, without any resolve to my request. 

Thank you and I look forward to hearing back from someone, XXXX XXXX ( my name on the loans is my previous name XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Information belongs to someone else

Complaint:
my business account with XXXX XXXX was compromised and my account was changed to a fraudulent and the card was closed almost a year ago, now axp is reporting the fraudulent charges on my personal profile. i have sent in very much proof of the fraudulent unauthorize charges, they have collection for {$33000.00} on my credit report, i do not owe them anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: CA
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 other 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 XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation