BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not my account and they are contacting me by email CUSTOMER ID : XXXX CASE FILE # : XXXX XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings has been issued on your Docket Number XXXX - XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 
TERMS & CONDITIONS YOU AGREED. 
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 

In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 
Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I spoke to this company and stated that I was in a hardship due to the pandemic and they told me that this would not reflect on my credit at this time because of the cov-19 they would not show that I was late at all because that was law. This is for my XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This hardship was due to my employment status that affected my payments. I was told that I would not show reported late. Please help me out as this was not my fault as a consumer. I am in the process of buying my first home and by this company telling me inaccurate information about my late payments may hurt me now. When they told me I would show current. Please help me as this has been a stressful time for me as a consumer and my family. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: GVA Holdings, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2019 I applied for and was funded a {$300.00} installment loan. The loan came with an astronomical interest rate. I have been making the payments weekly via electronic debit of my bank account with the exception of one week my check came in late and they charged me a fee for missed payment. I am caught up but for that fee. I contacted them a few months back because I was unable to register for login on their website. I wanted to view and print my terms again and see about an early payoff maybe or rearranging dateas, etc. I just needed to be able to view my account online. I was told that I was unable to regiatwr with the site because of the very small past due fee..my bank covered it and they got their payment a day late..but the fee stayed. They would not in any way shape or form allow me to register online unless I paid that overdue. I argued for it to be added at the end as an extra payment, paid off in increments..anything and evwrything I could think of. Its been nearly 6 months and I still am unable to gain access. I can not get them to tell me my balance or anything. I gave up until recently. I want to switch my payments to my other bank account and need to be able to access the site to do so ... as thwy told me in emails they can not take or change payment information. Is there anything you can do to help me get into my account? I think it is my right as a consumer to be able to view my own loan information isnt it? Also, they are a tribal lender i believe so I dont think theres much anyone can do about them taking complete advantage of my desperation with those interest rates ... but maybe could look into it? It screams unfair business practice to me. Thanks so very much and Ill await your reply XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Controlled credit corporation has been calling my place of employment repeatedly times throughout the day. Until it is interfering in my job and I 'm at risk of losing my job. We are not allowed phone calls of cell phone use at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: Information belongs to someone else

Complaint:
EQUIFAX continuing to report inaccurate, fraud accounts onto my credit file maintained by your company. I have disputed these items with you more than once yet you still to disregard and send frivolous notice that these accounts are verified accurate. Please inform me what has XXXX provided to you legally verifying these accounts bearing my signature. The systematic procedure with codes that you use are not proof. XXXX has no documents bearing my legal signature or a valid driver license proving that these accounts that were obtained through identity theft and maybe on the account of all the past breaches does not belong to me. In have informed you over and over again that the said accounts, are results of identity theft and does not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My Husband lose his job and i couldn't keep paying, so i close my acc

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 2017-11-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I continue to get calls and letters from XXXX XXXX XXXX XXXX about a debt that I am not sure if it is valid or not. I am not sure I ever had a Providian account but I do know I had a Washington Mutual that bought out Providian in XX/XX/XXXX which was then bought out, and I received a Chase card, XX/XX/XXXX. My Chase card has been closed for over seven years. They are trying to collect a debt from Providian ( which has n't been in business since XX/XX/XXXX way past the SOL of six years CRS. I have spoken on the phone with them numerous times ( They use spoofed phone numbers ) and repeatedly have asked them to validate the debt and provide date of last activity which they fail to do CRS 12-14-109. Validation of debts. This has been going on for six months. They call my business which I have repeatedly asked them not to. They call my home multiple times a day which forced me to send them a cease and desist letter, which surprisingly they have followed unless they are still using spoofed numbers and not leaving a voicemail. On the phone they tell me they are attorneys, CRS 12-14-107 False or misleading representations, and will take me to court and have used vulgar language when I ask them to prove the debt, CRS 12-14-106. Harassment or abuse. I have received a somewhat threatening  letter from them stating they have exhausted all voluntary methods of resolutions. I continue to tell them that if the debt is valid, which I am not sure it is, the SOL is six years in Colorado C.R.S. 13-80-103.5 ( 1 ) ( a ) and they are way outside of the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent a letter to XXXX XXXX  XXXX XXXX  - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2017-11-11
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:
On XX/XX/XXXX, I opened a dispute with Experian regarding a collection with XX/XX/XXXX. I received an updated credit report on XX/XX/XXXX and the collection account has been deleted. XX/XX/XXXX I received another updated report and the collection account was back on my report. I contacted them stating that 5day FCRA notification law states I have to be contacted prior to account being added back to my report. Several reps I spoke with and one in the fraud department stated they could not remove the account without disputing the information. I dont agree with this and I want this fraudulent account removed.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.

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 2019-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates with account XXXX states this debt should have been deleted XX/XX/2019 I want this account totally removed from all credit bureaus effective immediately they are negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: AK
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 filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports 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 explanation
Consumer complaint received 2017-07-07
Company: Solomon and Solomon, P.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I disputed several times this account. Requesting for verification of the account that is leaving my credit profile in a negative manner. My request is to please delete this information with unproven evidence.

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 2017-11-11
Company: EQUIFAX, INC.
State: AK
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 filed a complaint about this already ; however, the information is on all XXXX credit reports. On XXXX XXXX, XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from XXXX XXXX XXXX. 
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor. 
I called all the numbers for XXXX XXXX XXXX found on the internet and provided on the credit report, none are good working numbers. 
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent. 
On XXXX XXXX, XXXX I found that all XXXX major credit reports show this debt. 
XXXX violated the XXXX XXXX XXXX XXXX by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company failed to provide document bearing my signature stating I have a contractual obligation to pay them. I want this removed from my credit report Looking at my credit report back in XXXX of XXXX I saw accounts in collections and I never gave any company the right to share my information. One for {$58.00} which is listed on my credit report as account XXXX and another for {$92.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX the XXXX XXXX requesting that they validate the debt AND show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XXXX XXXX XXXX with itemized records showing procedures that were performed stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. I sent a follow up letter on XXXX XXXX requesting this information and they failed to respond within 30 days of receiving the letter. They are in violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.

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 2020-11-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
i started a lane bryant credt card last year. my issue is i cant keep contacting them to make a payment over the phone. i have yet gotten my credit card since opening this account, it has ben well over 30 days. as they also told me they couldnt give me any information on my account over the phone because the address was incorrect. thye woud not allow me to fix it so i could get my statements as well as my card. now im tryig to get a loan for school and now i cant because i cant pay this back do to lane bryant credit company. if theres any way you could help i would love that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-12
Company: Colony Brands, 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:
My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX  and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capitol One Auto has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: OneMain Finance Corporation
State: PA
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:
I am writing to inform you that yesterday, XX/XX/2022, my credit monitoring service, XXXX XXXX and XXXX both alerted me to the fact that someone who has been hacking my cell phone has applied for a {$20000.00} mortgage loan through the company One Main Financial, XXXX, PA. I was not able to call their office at that time due to being closed at that time, but notified them this morning, XX/XX/2022 and they cancelled the application but would not report the hard inquiry to the credit bureaus. I, then had to call XXXX and report the whole issue, I also initiated fraud alert with them who will notify the XXXX other bureaus. The phone number of this individual who is hacking is XXXX and the email hacker is XXXX. There is also another email hacker with a XXXX but I only know it starts with XXXX... Thank You!

Company response to consumer: Closed with explanation