{"took":51,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1514557","_score":18.723438,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted at the end of last week XXXX to XXXX times a day from a collection company. The call was from a number I did n't recognize, so I was letting it go to voicemail, but the caller never left a voicemail. Today they called again several times. The number was an XXXX area code, and I had just been to XXXX for a XXXX, so I thought it might be the hospital, so I called the number calling me back. It was a debt collector, and they initiated the call by stating that I had to verify information about myself before they could tell me who they were or what debt they were calling about. They wanted me to verify my date of birth, social security number, address and email address. I was told I had to verify at least tow from that selection before they could tell me anything. I refused and said that they needed to tell me the name of their company and what company they were calling about before giving over personal information. \nThey said that it was against they law, they would be breaking the law by giving their information before they got my information. I still wanted to know who they were, but they refused, and said they would just continue to call and harass until I gave up information. They said they had the last XXXX of my social, all I had to do was give them the rest of the numbers to verify. I asked them to tell me the last XXXX, but they refused saying ti was against the law for them to give it that information to me. I argued some more with a couple of different people on the phone and felt like I the conversation was going in circles, but I was in pain from my XXXX, and I wanted to figure out why they were calling so that I could get off the phone. I finally gave them my address and email address, but not more senaitive information. After that they told me that they were National Credit Adjusters, and that they were collecting on an internet payday loan. I asked who the company was, but they would n't say. At this point, my XXXX hurt from my XXXX, and I was getting annoyed by the refusal to give basic information and their attitude toward me for simply asking for verification of their information. I was arguing with them, and asked where their office was, so that I could just go there to see any paperwork proof and settle everything in person. They said good luck coming to their office, because they were in XXXX. I asked how were they in XXXX with an XXXX area code, which is the area code for XXXX XXXX. They just reiterated that they were in XXXX and gave me their address. \nI told them that whatever internet payday loan they are calling me about ( they still would n't tell me the name of the company ) was void in my state and could n't be collected on, as I had received help XXXX years ago with an internet payday loan from an organization in my state that told me they were void. I asked them why should I give them any information, because they could be a scammer, because they are trying to collect on a void loan. They said they are legitimate, and that I could look them up online, which I did, and that they have every right to collect, and was I trying to avoid my obligations. They again said that they needed my social security number, and they even gave me my date of birth and the last XXXX of my social, but they said they needed to verify the full social with me. I refused, and asked to speak to a supervisor, but she also just echoed that they need to verify my information. I ended the call by saying it was a void loan and that I should n't have to verify anything else, and then I hung up.","date_sent_to_company":"2015-08-12T16:34:59.000Z","issue":"Disclosure verification of debt","sub_product":"Payday loan","zip_code":"244XX","tags":null,"has_narrative":true,"complaint_id":"1514557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2015-08-12T16:34:58.000Z","state":"VA","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["I told them that whatever internet payday loan they are calling me about ( they still would n't tell me the name of the company ) was void in my state and could n't be collected on, as I had received help XXXX years ago with an internet payday loan from an organization in my state that told me they were void. I asked them why should I give them any information, because they could be a scammer, because they are trying to collect on a void loan."],"sub_product":["Payday loan"]},"sort":[18.723438,"1514557"]},{"_index":"complaint-public-v1","_id":"5322137","_score":15.778856,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I began being on hold with my cell phone at 45 % it is currently at 6 % and typically they hang up on me or my battery will die prior to getting any service I have been on hold now for over XXXX Minutes and I have check payday loans that I have to her and I have a house note that I have to pay housing I have electricity yet I have to have medically I have water that I have to pay I have groceries that I have to pay and if I don't pay a payday loan they charge me extra if I don't pay my house note they charge me extra and the whole point of being on social security for all those basic that I just meant that you're on a fixed budget these people can not afford to mess up what do not look forward to take the longest break possible because it's inhumane treatment. Is malfeasance in office. It's a failure for duty to care. I have filled out this Consumer Protection Bureau report wow I have been on hold wish they have a general time frame on how long it even takes to complete this form. I have been on hold and abusively mystery by Direct Express. If I'm unable to use my card and I can not pay for food housing Transportation water electricity payday loans then it appears that I'm committing a crime and I am not. It is bad enough that they have already released all mentally ill people and all expiring from the prison that have signed me up for checks all over the United States and I have not signed up for a checking account but they write me up for checking accounts and credit union account and I have never signed up for such. So now by a legitimate business and without any other body out nobody else to help me nobody else to give me money nobody else to pay my bills no saying you could have a savings for such mishaps with the federal government from their bad contractual service and I believe that they the Gators against on this because they're causing harm and it can make me homeless it can make me XXXX it can make me suffer in pain from having not having access to my friends. Security of having to answer all three questions in my PIN number I text me an address every account that I can have because their stuff has all my information. Because of government is hiring such people as well it's a security risk. It's bad enough when you walk into a store they can read your card when you go to the double doors and there's no security either so I need help can't get any money I can't go to the welfare office because it meant to say you have money on your card. XXXX. Direct Express XXXX Direct Express is a service market for the US Department of Treasury to Comerica Bank however it is a independent business add the treasury explain to me with no competitors. I have {$20.00} or more missing off of my card sometimes sometimes up to {$100.00} for {$200.00} I'll add my complaint and when I make my complaint they mail it back later checking into it and stated that was as a result I got my refund just because they took the complaint and gave me a notice that they had received it. Today is XX/XX/2022 and I was on hold XX/XX/XXXX for XXXX hours and on XX/XX/2022 and then on hold for her they say minimum of XXXX minutes and I'm still on hold. The problem is that they when they confirm I called when the staff answers they ask for my card number they ask for my PIN number and I am not able to use my pain I feel like it is a breach of security for them to ask me my PIN number which defeats the whole purpose of security and violate my privacy. They also when they send me a new card like the card for this month I'm just unable to use it I have to call them to tell them my PIN number to register it and it's not because the car is not working they have always been like this. They transferred my card from the other initial card number telephone number and I am a healthy mentally and emotionally person I have a physical injury and other people that I know that have physical XXXX we were all on one card and they separated my card and they were not supposed to. Don't let it ruin the issue is they asked me for my PIN number on calling in to talk about whatever number to the issue is when I get a new card the tell me to call them to register a new number and I lost my card and don't let me use it if it's problem number XXXX and tell me to call them to give them my PIN number it is not a hacker is that you direct express staff. Number for as a result I have been having a problem with him and I'm not able to withdraw money to eat to have transportation heat water electricity and to pay my bills and I have no other source of income due to my health and I have a check payday rooms and stuff like that and how do you pay for and they don't answer the phone line it seems that your attitude is your unemployed and unemployable anyway so we'll make you wait from XXXX minutes to a few hours and then often time I had to call right back for the same issue for it has not been handled. I already called them on this issue she said she reset my card and that I should be able to punch in a PIN number and use my card and I'm not able to. For the fact that they have so many people using my voice change where they can change their voice different dialects your people rate in the XXXX that are scamming people for their cars and I have a problem with this that no one 's doing anything about it to just type the FDIC or the FCC dispose listen to radio Transmissions is not paying attention to those people that are using software to change your voice is in the XXXX. XXXX problems","date_sent_to_company":"2022-03-14T22:52:21.000Z","issue":"Trouble using the card","sub_product":"Government benefit card","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"5322137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Comerica","date_received":"2022-03-14T22:27:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem using the card to withdraw money from an ATM"},"highlight":{"complaint_what_happened":["I began being on hold with my cell phone at 45 % it is currently at 6 % and typically they hang up on me or my battery will die prior to getting any service I have been on hold now for over XXXX Minutes and I have check payday loans that I have to her and I have a house note that I have to pay housing I have electricity yet I have to have medically I have water that I have to pay I have groceries that I have to pay and if I don't pay a payday loan they charge me extra if I don't pay my house note"]},"sort":[15.778856,"5322137"]},{"_index":"complaint-public-v1","_id":"11851048","_score":14.127951,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I went to California Check Cashing located at XXXX XXXX XXXX, XXXX, CA XXXX, On or about XX/XX/XXXX ( it was a Saturday ) and obtained a payday loan in the amount of {$250.00}. The cancellation portion of the contract states that you are able to cancel the loan without having to pay the interest if you return the cash in the office within 24hrs or the next business day that the loan was originated. On the next business day ( on or about XX/XX/XXXX ) I went into the same location with the total amount of {$250.00} in cash attempting to resend/ cancel the loan. I was denied the ability to resend the loan. I requested that uper management be called as it was in writing via the contract. They refused to take the money and give me a receipt. I expressed several times over a extended period of time that I was in the store front, that I was cancelling the loan. I even expressed that if they would NOT take it and giver proof of payment that I in fact did not owe the money. After what seemed like hours in the store front in effort to resolve the issue. I was denied me ability do so. I requested correspondence from higher ups prior to retreating from my efforts to get them to fix the issue. \n... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nFast forward... Towards the end of XXXX XXXX XXXX emailed me letting me know there were changes to my credit. California Check Cashing reported to credit agencies that I owed {$310.00}. I contacted them filed a complaint as this information was not correct and waited for them to reach out after having one of their customer service reps yell at me being very disrespectful upon a call back after pervious who was helping was disconnected. I received no correspondence ; not by email, XXXX or phone. \n... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nI reached out again after allowing a reasonable amount of time ( well over a month ) due to the rising of more undue hardships because of the situation on XX/XX/XXXX. I was informed that the ticket was closed without anyone contacting in any form still ( not by email, XXXX or phone ) even though I was requested to provide all forms of contact while filing the complaint. They stated they had the wrong number on file and a ticket would have to be reopened. I requested that the person helping me to review notes. He did, stating that I took the loan out on the XXXX of of XX/XX/XXXX. Their notes reflected that ( exactly as transcribed from audio recording ) on the XXXX you came in to pay off and resend loan for {$250.00} and that they explained that the contract she has 24hrs on the next business day to pay it. End of note on record... The individual that read me the notes said which makes no sense because the next business day would have been the XXXX. My response was exactly. That was my point! ( I have a recording of that actual call ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nBaffled by the fact that the record reflects those very facts that it wasn't corrected despite their supposed efforts to reach out only by phone to a number that was non existent, I had been a customer for many many years and they never had an issue calling to get me to take out a new loan. \n... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... \nAt this point I need the issue resolved as I was due to purchase a new vehicle due to the lack of transportation while my mother is fighting stage XXXX XXXX so that I can help her fight it, instead I have been force to rent a vehicle for over a month costing me undue hardship that has extended to my family. Since the original contact effort to correct the issue my medical health has declined bringing about the possibility of life threatening circumstances and excruciating pain physically as I have not been able to seek treatment due to the lack of ability to qualify for financing for service because of the false information that has been reported on my credit, along with other undue hardships. I explained this to the gentleman helping me on XX/XX/XXXX that I would have to reach out to consumers because of all the hardships. He asked me to hang tight... Today is XX/XX/XXXX and I still have not heard anything from them ... causing more suffering and undue hardship so I am filling this complaint.","date_sent_to_company":"2025-01-30T20:11:10.000Z","issue":"Incorrect information on your report","sub_product":"Payday loan","zip_code":"95823","tags":null,"has_narrative":true,"complaint_id":"11851048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2025-01-30T19:38:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I went to California Check Cashing located at XXXX XXXX XXXX, XXXX, CA XXXX, On or about XX/XX/XXXX ( it was a Saturday ) and obtained a payday loan in the amount of {$250.00}. The cancellation portion of the contract states that you are able to cancel the loan without having to pay the interest if you return the cash in the office within 24hrs or the next business day that the loan was originated."],"product":["Payday loan, title loan, personal loan, or advance loan"],"sub_product":["Payday loan"]},"sort":[14.127951,"11851048"]},{"_index":"complaint-public-v1","_id":"3906419","_score":11.696266,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from Equifax Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When Equifax removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than XXXX Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with Equifax now I had to deal with XXXX, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping Equifax give me my credit score back because what they did, but instead no reinstatement of my score but base on the XXXX at deceased XXXX score it went even lower to XXXX with Equifax that dropped my XXXX to mid XXXX, I dont know when did XXXX put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what XXXX did I was deceased in their system and because that other Bureau was mid XXXX, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to Utah for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and damaged both my XXXX in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I did XXXX in XXXX for my right XXXX XXXX XXXX XXXX and XXXX XXXX, and my left XXXX this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with XXXX shows NA and deceased and Equifax is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both XXXX XXXX and XXXX XXXX and XXXX to the point I cant XXXX, XXXX XXXX through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.","date_sent_to_company":"2020-10-19T04:28:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"3906419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-19T04:28:51.000Z","state":"UT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["So we found out what XXXX did I was deceased in their system and because that other Bureau was mid XXXX, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but"]},"sort":[11.696266,"3906419"]},{"_index":"complaint-public-v1","_id":"3906406","_score":11.0774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had XXXX credit score as shown when I was buying a SUV to lower my interest also in the process to refinance my Mortgage, I work hard to pay early and do the right thing, in XX/XX/XXXX my dealership pulled my credit it showed perfect credit at XXXX score and had order the color and options I wanted, when the new SUV arrived it took 35 days to order so the dealer had to run my credit again, this time it showed XXXX score and with 3 collection from around XXXX, it wasnt my and I could buy that SUV because the score, same time my Mortgage was also declined for refin. It was from XXXX Bureau, so I disputed those collection finally after months is calling and worries they removed those collection but it showed a XXXX score, because they comprised my personal info and leak of my info it cost me to paid higher interest cost me XXXX of dollars, because of them my score from other bureaus dropped my score. I couldnt get a loan for nothing, because my payment was too high due to higher interest rate at that time plus I was XXXX for my mom and XXXX XXXX of her, I had to sell my items even my house because my mom passed and lots of bill came to me, I couldnt even finance a pencil. When XXXX removed my those negative item it took my score that I build so hard and doing the right thing, I though the nightmare was almost over than Experian Bureau did the same, it was Negative or collection but it showed I was deceased, yes show I was dead!!! Wow after all I went through with XXXX now I had to deal with Experian, I put in a complaint and dispute because Im not deceased, they put my score to XXXX, I was trying to rebuild and hoping XXXX give me my credit score back because what they did, but instead no reinstatement of my score but base on the Experian at deceased XXXX score it went even lower to XXXX with XXXX that dropped my XXXX to mid XXXX, I dont know when did Experian put I was deceased but it has to be in XX/XX/XXXX because we try to buy the lease I was in because lease was ended I was trying to finance to keep my SUV because all the lease payment I paid. So we found out what Experian did I was deceased in their system and because that other Bureau was mid 500s, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but couple send me to collection ; and I couldnt buy a home because those collection, I had to rent a small 3 bedroom townhome with XXXX kids and my wife paying other people mortgage since my house was sold. My company I work for 5 years in XXXX of XXXX move me to XXXX for promotion, after they check my credit was so low, I did not got my promotion, I did everything I could and dont know much about the law so they took advantage of me been patient with them hope those Bureaus will do the right thing because its their fault, but it stay the same, I had to file Chapter XXXX Bankruptcy to protect the little what I have for my family and prevent those collector Garnish my pay, if that happen I would lost my family and their well-being, making a living is hard, I did not use any help from government or program because I want my kids to know about working hard and do the best to support our family, and do not do what lots of people do file assistant from our government for hand out. One last I forgot to mention was I was hurt at work, I fall and damaged both my shoulders in XXXX, because who I am I power through my pain working 55 to 60 hours a week to put food on the table and a roof over my family head with those Credit Bureaus breach my info and ruin my credit score ; I finally couldnt work anymore so I did XXXX in XXXX for my right shoulder full construction repair and XXXX XXXX, and my left shoulder this year in XX/XX/XXXX for another full construction repair and XXXX XXXX, and through that I work in pain and dealt with all this both Credit Bureaus that ruin my life, because what they did, I had to work extra hours and harder to support my family, used all the money I had saved, sold anything valuable I could to pay for my XXXX and I had to file that Bankruptcy XXXX to protect my family from those scam creditors and those 2 bureaus, even after all the try and call, now my score with Experian shows NA and deceased and XXXX is mid XXXX, Im on my last nerve with them, I lost XXXX of dollars, and could of save also XXXX of dollars, put my nerve through XXXX, cant sleep at night, both shoulder XXXX and XXXX XXXX and XXXX to the point I cant XXXX, XXXX XXXX through tout the day, money spend on my doctors because of my symptoms cost by both Bureaus the biggest was moving to Utah though I had my promotion, because of my credit, I lost the promotion and didnt even got moving reimbursement from my work because my work though I lied to them and give my promotion to the next in-line that alone costed me {$15000.00} a year raise and additional bonus {$5000.00} per quarter. Please I need help from anyone that cares, because Im XXXX I get treated this way, Im from XXXX and I am a US citizen.","date_sent_to_company":"2020-10-19T04:28:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"84790","tags":null,"has_narrative":true,"complaint_id":"3906406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-19T03:07:50.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["So we found out what Experian did I was deceased in their system and because that other Bureau was mid 500s, so I lost my SUV and it had little damage on it so lease company charged me a fees and double on damaged over {$6000.00} and I had to borrow payday loan so I can take my kid to see a doctor and I had to fix my older car due to lost of my SUV I had no choice but to borrow high interest rate loan like 35 % interest, after I sold my house at the first issue in XXXX and pay off most creditor but"]},"sort":[11.0774,"3906406"]},{"_index":"complaint-public-v1","_id":"3551571","_score":9.716077,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2019 I borrowed {$1000.00} from Money Key ( https : //www.moneykey.com/ ). I was approved via an online application, and they sent me the money via my XXXX XXXX bank account. I've heard horror stories about payday loans before, but I had just gone XXXX and wasn't insured and then had an unexpected XXXX XXXX XXXX -- I was in a massive amount of pain as I had a XXXX XXXX XXXX XXXX XXXX XXXX and the doctor told me it had to be XXXX ASAP but in order for the XXXX to go through I had to pay {$2500.00} upfront since I didn't have insurance. I needed the extra {$1000.00} to pay for the XXXX. If there was a family member I could've borrowed money from, I would have. I needed the money instantly, and so that's why I applied. I had every intention of paying them back. Then a close friend unexpectedly died. Around the same time I switched banks to an online bank I liked better because of its high yield saving account and other features. I just honestly forgot about repaying them. I was barely able to work during this time, I was so depressed. Fast forward to today, Monday, XX/XX/XXXX. I'm out of the country for work. I get a voicemail from a number in XXXX, Texas ( XXXX ) from XXXX XXXX saying that it was a \" documented attempt to make contact, in reference to a complaint filed against my name and my social. '' I immediately call back because, again, I had completely forgotten about this loan. I fully admit that that is on me. She is rude from the beginning, bullying me into giving her money. It takes me a while to remember the loan, but when I do I calmly state that I understand I didn't pay it back, but that I would like a written record that Money Key sold the debt to them and that they are indeed that company. How am I supposed to know that they're the company. As I told them, I heard nothing from Money Key about this ( I later found an email from Money Key in my junk folder saying they sold my debt ( but it was only that one email, this is the first phone call ) but the name and number they say they sold it to isn't the same number I got a call from ). I'm on the bus when this is happening and I tell her I can barely hear her. We get disconnected. When I get to my friend 's place, I call back asking to speak to her but a guy named XXXX picks up and he won't transfer me to XXXX ( even though XXXX left me another voicemail and called three times from the same number ). XXXX starts harassing me. He tells me to just calm down, to call my daddy and ask for money. Like, what? Call my daddy? Who does he think I am. I tell him I'm traveling for work and I'd again like an email first. XXXX wouldn't give me one without me paying an amount because she claimed asking for an email was a \" stall tactic. '' He is like well if you are traveling for work you therefore have a company expense account and can pay us back. I don't have a company expense account. I'm a book writer. I'm here to visit my XXXX XXXX. I'm nowhere close to rich, haha, most XXXX do not get paid a lot at all. XXXX do get paid an advance but the way it works is say you get {$30000.00} for a book. That {$30000.00} is paid over 2 years in 2-3 payments. So you're really only making about {$15000.00} a year. I'm not rich. I barely have a XXXX in my account. But I did have an expense account at my last job, when I was salaried, and you can't use a company expense account to pay back a loan/personal expenses -- that's illegal. So I'm trying to explain this to him, and I'm finally like listen, I work XXXX I can't pay it all ( about {$1900.00} ) right now, but I get paid a lump sum on XX/XX/XXXX and I can send most of it over then ( but again, I emphasize that I want something mailed or emailed ). He's like we can't wait that long it's been a year. ( It hasn't been a year yet, I got the loan in XXXX. ) But still I get that, so I'm like okay then can we do a payment plan? He pushes for me to pay the full. I'm getting frustrated because I am offering to pay via a monthly payment plan and he's aggressively trying to get me to instead pay the full amount. Finally, I'm like I'm back on XX/XX/XXXX and it'll be easier for me to talk to you then. I'd prefer to handle this when I'm in the United States so that I'm also not getting charged a ton for making international calls because it's clear this is going to be a long conversation ( even though it didn't have to be, why not just email me the record I'm asking for and setup the payment plan ). He says no. I am exhausted by this point and am like okay fine, let 's just setup a payment plan. He starts talking about how I owe {$900.00} in fees and that I should just pay a lump sum instead. I start getting incredibly suspicious now. Like I am actually willing to make a payment, it's not unusual to ask for a written verification detailing what's owed and the payment plan options, and then when I finally agree to just pay via a payment plan, you push for the full amount instead? He's like, why don't you just pay a lump sum instead. I say, I don't feel comfortable making that large of a payment over the phone nor do I have that money right now. Then he again tells me to be quiet and listen and he says I just need to \" ask my daddy. '' He says that I took the loan, I have to repay it. I'm like, can you let me talk for a moment. I am trying to repay it. He's yelling at me and cutting me off. He says they're going to talk to the client if I don't handle it with them and then the client ( Money Key, I assume ) has the right to sue me and then I'll have to pay for court fees. I finally hang up because I'm tired of being yelled at. If I were some rich girl who could call her daddy, I would've never taken out the loan. If he wanted the money, if he was really concerned with me paying the debt, why treat me like this? He ( or XXXX ) could've emailed me while we were on the phone the payment plan, and then I could've made a payment. During this phone call he also had me verify my parents numbers and my job, so now I'm worried they're going to start harassing them. So then I call Money Key ( the client ) because I would prefer to handle directly with them. They say that they sold the account and can't handle it anymore. I tell them that these people told me they would call them/the client if they refused to pay. They're like why would they call us, we sold the account. Money Key gives me a XXXX number for the company that they sold the account to. I call that number and can't get through -- it's also not the same number that called me which I find very suspicious. I'm not trying to evade my payment, I understand I shouldn't let Money Key know when I changed accounts ( again, I had just lost a dear friend and wasn't in the right headspace ). But I am trying to fix the issue now. If I didn't want to fix the issue, why would I have called them in the first place? I could've just ignored their calls. Now I have my phone on silent because they've called multiple times, leaving harassing voicemails each time ( I have everything saved ). I just want to pay the original lender, as given all of this, I do not feel comfortable giving them money over the phone when they have given me zero verification that they are who they claim to be.","date_sent_to_company":"2020-03-05T13:12:08.000Z","issue":"Communication tactics","sub_product":"Payday loan debt","zip_code":"78602","tags":null,"has_narrative":true,"complaint_id":"3551571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"2288984 Ontario Inc.","date_received":"2020-03-02T23:25:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I've heard horror stories about payday loans before, but I had just gone XXXX and wasn't insured and then had an unexpected XXXX XXXX XXXX -- I was in a massive amount of pain as I had a XXXX XXXX XXXX XXXX XXXX XXXX and the doctor told me it had to be XXXX ASAP but in order for the XXXX to go through I had to pay {$2500.00} upfront since I didn't have insurance. I needed the extra {$1000.00} to pay for the XXXX. If there was a family member I could've borrowed money from, I would have."],"sub_product":["Payday loan debt"]},"sort":[9.716077,"3551571"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1},{"key":"Payday loan debt","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payday loan","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated calls","doc_count":1}]}},{"key":"Disclosure verification of debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1}]}},{"key":"Trouble using the card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using the card to withdraw money from an ATM","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"2288984 Ontario Inc.","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"UT","doc_count":2},{"key":"CA","doc_count":1},{"key":"MI","doc_count":1},{"key":"TX","doc_count":1},{"key":"VA","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}