BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am being contacted by letter from XXXX XXXX Tx XXXX XXXX for a loan from Ace that I never applied for. The amount is from what this XXXX guy said was for {$500.00} and something dollars back in XXXX. Stating an address that I have never borrowed money from them living at that address. The accrued Balance is now {$2000.00} with an settlement offer of {$680.00}. The only time I have ever borrowed money from Ace was when I lived in XXXX back in XXXX. I had paid that loan down to {$200.00} and ended up in the hospital with XXXX the day before it was due. I called them from my hospital bed to inform them of my situation. They would not let anyone go down and pay it for me. The day I got out of the hospital I went to go pay it however they would not take my money because it was late by a day or two. I was contacted by Ace with them wanting me to pay an outrageous amount on the loan which I could not afford. That loan was discharged on my credit back in XXXX or XXXX. In XXXX I was contacted by phone by someone who was threatening me with a law suit and I was trying to work out an arrangement with them on the amount of {$200.00}. I paid them {$50.00} over the phone. I then started getting daily calls stating that they needed more money. I told them I did n't have anymore right now to give. I then started getting phone calls telling me that I was going to get a warrant out for my arrest. I knew then it was a scam. Now after 4 years I am being contacted by letter for a loan I never took out. they have all my info. Friends and family info and I have not dealt with Ace since that time in XXXX. With the threat of a law suit. I told them to take me court because I do n't owe them this {$500.00} something loan they say i owe. I do n't need the stress. They said this loan was discharged back in XXXX. I do n't have anything on my credit about that. They ( Ace ) just keeps these loans alive. Upon speaking with this XXXX guy he did n't even try to really get me to pay any of the amount because I mentioned that I have been contacted by scammers before and this was a scam. However he did get me to confirm some information such as people I know. Could have kicked myself for saying yes I know those people.Also looked up the Company name and no address with this company is in XXXX. Address does n't reflect it either. I picked received a loan I did n't apply for because that was the closest thing to fitting my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX XXXX XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a XXXX % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in Missouri. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2015-06-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have never personally applied for a payday loan. A XXXX years back I was living with my ex boyfriend and was immediately made aware that he was making fraudelent purchases without my consent and got all of the purchases credited back to my bank account. I do n't know if he applied for a payday loan at that time because this is my XXXX time hearing about it and I currently have no way to contact him but I do know I 've never personally applied for XXXX. The reason I 'm filing this complaint because I am now being harassed by a collection company on behalf of Ace Cash Express and threatened to be sued for a payday loan I never applied for. Furthermore they are now harassing my father who is ill and worrying him about the matter to the point where he contacted me very upset. When I called the collection agency their primary focus was to intimidate me more into making an agreement and could n't provide me with any information about the loan other than I was going to be sued and served tomorrow if I did n't make a agreement today. The calls to my relatives and the harassment needs to come to an immediate end:

Company response to consumer: Closed
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-20
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: RFNA, LP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX/XXXX/2016 I took a personal loan with Republic Finance located in XXXX, Georgia. My payment history had been satisfactory with them. During the months of XXXX I requested to change my payment date at which I was required to enroll in an automatic payment plan that drafted my payment via ECH. I submitted the form and waited for new payment date of the XXXX but no draft came out. I contacted Republic Finance and they stated they never received a payment from me nor did they receive my payment notice for ECH. An additional form was submitted in the month of XXXX and the receipt that form was confirmed with a customer service rep. On XXXX XXXX a payment was scheduled to draft for both my XXXX and XXXX payment but never came out. I contacted Republic Finance and was provided with the same story that they never received my draft request even after I confirmed it was received. Because of this it put my account in jeopardy of being delinquent and being reported to the credit bureaus. I contact Republic Finance several times but instead of helping me they requested payment. In XXXX I contacted Republic again to make a payment and I was informed that I could no longer send them personal checks for payments because I had two previously returned payments. They stated that I would have to pay them in cash or money order. I refused and asked where that was stated in my loan contract. At that time I was informed that it was a company rule and that it was not established in the loan contract. Republic told me that it was a corporate rule and that it would be enforced. When I told them about contact a government agency they then agreed to let me send a check. Over the past two weeks Republic Finance has been calling me repeatedly over six times a day with the use of an auto dialer to request payment. Earlier this week I sent a request for them to contact me via US mail and that a payment in the amount of {$550.00} was sent to them via mail. They stated that they refused to take the payment and it would be rejected. Shortly following I received a letter acknowledging my request and a letter stating that they would work with me to bring my account current. They Republic Finance was made aware of the check sent through the mail again via phone call but shortly after I received a send letter requesting the balance in full within the next ten days. This made me review my loan contract at which time I observed that the new loan contract was never signed by the lender or myself. All the signature lines are blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: United Student Aid (USA) Funds
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven that  USA F unds is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Origin ally USA Funds  were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now USA Funds play a musical chair approach by seeing if another debt collector named  XXXX   XXXX ,  XXXX  will try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey.  XXXX   XXXX ,  XXXX  is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got NAVIENT fired by the United States Department of Education as a sanctioned debt collector, and  XXXX   XXXX   XXXX  has no authority from any federal agency to collect on behalf of the taxpayers of the United States.  XXXX   XXXX   XXXX  is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY  XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRAC TICES ACT 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST  XXXX   XXXX   XXXX  ILLEGAL COLLECTION PRACTICES!!!    XXXX   XXXX   XXXX  MUST PURGE MY FILE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2015-07-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
They can not disclose the results received. Even though these company 's were unable to submit any verifiable proof. No one can show a signature card or any other verifying information on the accounts. Just a generic response. That they Verified. Which is not true. These companies do not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Resurgent Capital Services L.P.
State: TX
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:
LVNV FUNDING is in violation of multiple FEDERAL LAWS under Title 15 of the United States Code, more particularly listed herein below. LVN FUNDING LLC is using false, deceptive and misleading representations, and engaging in false and deceptive trade practices whilst purporting to be the CREDITOR and/or collecting on behalf of the alleged creditor. They have placed a collection on my credit report while violating federal laws, essentially damaging my reputation and causing financial harm.

Company response to consumer: Closed with non-monetary relief