BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
A man called my wife in the morning from " XXXX '' XXXX. He basically disclosed to her that they were suing me for a debt that i have with ace cash express. I called this number to speak with them personally. The man never gave me his name and he never mentioned what " XXXX '' stands for. He started of by telling me he was an attorney of some kind and they were taking legal action against me for a fraud i commited. When i asked him to send me a letter to validate my debt he got angry and started to threaten me with a lawsuit and then started yelling at me telling me " a real man should pay his XXXX debts '' and for me to " pay my XXXX debts '' and hung up on me. I called ace cash express to confirm the debt that i owe to them and i do, but when i told them the story they stated that those are bad collection attempts and ace would never sue me for a debt. So i called XXXX again and i asked for the guys name and what the company abbreviation was and he never told me his name nor the actual name of the company. My wife was very frigthened about this and has caused an uproar about this. Please help us resolve this matter. If these people are harassing us, how many have fallen victim to these threats. thank you kindly for your time and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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:
Over 30 days ago I sent a late payment dispute to all three credit reporting agencies, and I have to get receive a response of the INVESTIGATED REPORT. My report was updated as accurate without providing to me any proof. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 15 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I HAD PREVIOUSLY FILED DISPUTES WITH PAYPAL XX/XX/XXXX AND ALSO FILED MY DEBIT CARD LOST AND THAT SOMEONE HAD BEEN USING MY PAYPAL ACCOUNT SINCE I NOTICED ACTIVY ON MY ACCOUNT LIKE AN INVOICE THAT I DID NOT ISSUE. I THEN STOPPED USING THAT PAYPAL ACCOUNT SINCE I DID N'T FEEL SAFE USING THAT ACCOUNT. LAST WEEK I GET A NOTIFICATION FROM PAYPAL STATING THAT MY OTHER ACCOUNT WAS BLOCKED. WHEN I CALLED PAYPAL AND SPENT OVER 3 HOURS ON THE PHONE AND NOT ONLY KEPT BEING TRANSFERRED FROM DEPT TO DEPT ... THEY NOT ONLY LIED TO ME BY TELLING ME THOSE CHARGES WERE DISPUTED AND THEY CAME BACK NOT TO MY FAVOR, WHEN I ASKED TO GET TRANSFERRED TO THE DEBIT CARD DEPT THEY REFUSED TO AND EVENTUALLY PRETENDED TO TRANSFER AND THEN HUNG UP ON ME. BUT WHEN I GOT THROUGH THE DEBIT CARD DEPT THEY TOLD ME THAT THOSE CHARGES WERE NEVER DISPUTED NOW THAT I WAS ABLE TO DISPUTE THE CHARGES THEY DECLINE THEM BASED ON THAT ITS 3 MONTHS LATER AND THAT MY PIN WAS USED. I ORIGINALLY HAD CALLED RIGHT WHEN IT HAPPENED TO REPORT THE CHARGES AND TO REPORT THAT MY ACCOUNT WAS BEING USED BY SOMEONE ELSE. THEY DID NOTHING TO PROTECT MY ACCOUNT BUT CONTINUE TO LET SOMEONE ELSE USE MY ACCOUNT. NOW THEY ARE DEMANDING FOR ME TO PAY CLOSE TO XXXX IN CHARGES THAT I DISPUTED, ALL BECAUSE THEIR TEAM DID NOT DO WHAT THEY WERE ASKED TO DO BY ME WHEN IT HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing handles my loan, on XXXX XXXX and XXXX XXXX i made my payment online, after the XXXX of the month you 're forced to make a rush payment through their website call speedpay. I 've received a confirmation email that my payment was received on XXXX/XXXX/2016 at XXXX confirmation number XXXX and on XXXX XXXX I made XXXX payment at XXXX confirmation number XXXX. when reviewing my credit report it shows I was 30 days late twice and for XXXX it shows Im 30 days late when in reality the month is not even over. XXXX credit report and for XXXX my payments do n't even show. I try to reach out to Ocwen and they would n't able to explain me why they had reported me to the credit bureaus as being late. I really need your help in investigating this issue and it seems like Ocwen do n't care. All Im asking is for my rights as a consumer to be respected and not been abused. Obviously the information reported to the credit bureaus by Ocwen is false and is damaging my personal credit and preventing me on getting approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am a XXXX, currently unemployed. I was looking at options to finance my education, and wanted to know if I had enough ( any ) credit built to take out a student loan without my parents cosigning. My free credit report did not display whether I had any credit established, so I paid XXXX {$1.00} for a full credit report. I got the report and saw that I did n't have any credit built so I would have to get my dad to cosign. 
Flash six months later, I recieve a text message from my bank telling me that I have overdrawn my account. It could n't have been possible, because I have n't been using that card. I looked at my bank statement and noticed that I have been receiving monthly reoccurring charges of {$19.00} since XXXX 2015. XXXX automatically signed me up with out me knowing to a monthly subscription with TransUnion. I had no idea this was happening, and the customer service department was extremelt insensitive when I explained the situation. I do not have an income, and I do not have any credit for them to monitor. It was disingenuous to sign me up unknowingly, especially for a purchase that was not authorized buy the card owner. They will not refund me. I want the company to be held accountable for what they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient has only offered to give me a payment plan which would result in a payment I can not afford on a monthly basis. I 've tried to work with them to reset my debt back to what I took out. They only want a cash offer as a payoff. I pay them {$50.00} a month and my debt increase by {$1000.00} each month. What I owe is almost triple what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : XXXX/XXXX/XXXX/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 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of this

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 2016-08-17
Company: Clarity Services
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX hard inquries on my credit report from Clarity Consumer Services that state they pulled a hard inquiry from XXXX Credit Agency on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating XXXX and XXXX.I never had applied for any credit from these XXXX places or gave consent to pull my credit. I had disputed this with Clarity, faxed over a document, identification, and gave them authorization to investigate and was told they would not delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a unauthorized access to my Credit report by XXXX company. They are a unlicensed Credit reporting agency. I have previously requested proof of claim that was never provided. Request was made back in XX/XX/2016

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 2016-06-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.

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 monetary relief
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union refuses to properly report my former student loans from XXXX, which were discharged due to XXXX on XXXX XXXX 2016, as tpaid in full, closed, and XXXX balance. Trans Union previously reported by former XXXX loans correctly, only to revert them back twice. I want these former loans with Navient permanently reported as closed, PIF, and 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 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Disputed statue of limitations of tax lien which has been paid to the State of CA for over 4 years now. Tax lien was placed on my credit reports on XXXX/XXXX/XXXX. XXXX reporting agency has since removed the lien judgement form my report. Transunion is refusing too, stating that the lien will stay on my report for an additional two years because it was paid off in XX/XX/XXXX. They give this reasoning based on the FCA, but what I have read states that if the lien has been paid that it is only supposed to stay on your report for seven years from the date that the lien was issued. Please assist. I do not know what else to do to get this inaccurate information removed form my Transunion 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 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have been paying HHGregg through Sychony XXXXfor two years. Now it seems that I am at thebeginning balance since I purchased in 2013 XXXXSyncony XXXX is trying to make me pay over XXXXin interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted Transunion Several times about accounts being reported that are not mine. They requested that I file a police report before they remove them, which was absurd. I have filed a police report with XXXX XXXX Sheriff 's Office, Case # XXXX on XX/XX/XXXX. 

I am requesting the XXXX account and the inquiries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX removed. I inquired from XXXX in the last year.

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently viewed my latest Transunion Credit Report and the following disputed inquiries have been properly investigated and removed from my XXXX Credit Report. Transunion refuses to remove the same inquiries from my Transunion Credit Report. How is it that XXXX conducted their investigation which resulted in the removal of the inquiries and Transunion investigation found the inquiries to be legitimate. This brings into question Transunion Ethical Standards and trustworthiness when it comes to complying with the FCRA ... .. THE FOLLOWING INQUIRIES WERE REMOVED FROM XXXX ( CONFIRMATION # XXXX ) BUT STILL REFLECTING ON MY TRANSUNION CREDIT REPORT. : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also requesting that Transunion to update my current phone # which is 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 non-monetary relief
Consumer complaint received 2015-05-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I started my loan modification with Rushmore Loan Management Services in XX/XX/XXXX, We had come to an agreement just before the sale date of the house. The only problem was that I had never consulted with a Attorney, and I was afraid to sign any paper. I went and saw a Attorney and they suggested bankruptcy to stop the sale. Now Rushmmore will not agree to the original terms in XX/XX/XXXX, which was {$7500.00} and {$1500.00} per month for 3 month at that time a final modification if I was current. One week ago I gave them {$20.00} down and they raised my monthy payment {$2500.00} per month, setting me up for failure again. This is the payment I had before and was not able to keep up with it. I do n't understand this is no modification. My father use to help with the mortgage payment, since XX/XX/XXXX he XXXX at the age of XXXX, now he is XXXXyears old and all his social security goes to XXXX expenses..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Professional Credit Management, Inc
State: AR
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. 
This collection agency has also started calling my family

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation