BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Southwest Credit Systems, L.P.
State: IL
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:
On XX/XX/2022, Southwest Credit Systems, L.P. ( " SWC '' ) responded to my complaint XXXX, completely ignoring all responsibility the company has as it pertains to my consumer report. The company alleges, " SWC takes all consumer complaints seriously and is grateful for the opportunity to respond '', yet the company completely ignored federal law, it ignored proof of the inaccuracies on my consumer report and their requirement to report accurately, and made no mention of the issue at hand in my previous complaint which was the inaccurate use of my consumer reports. The company failed to acknowledge or respond to the fact they have no written permission from me the consumer to utilize my consumer reports as is required under federal law 15 USC 1681b ( a ) ( 2 ). The company failed to acknowledge or respond to the previously attached document in the complaint of the alleged debt obligation that is reporting inaccurately with highlighted sections to display this fact. The company failed to acknowledge or respond to the fact that it is 100 % responsibility of the furnisher to report complete and accurate information as seen in, The United States of Appeals, Ninth Circuit, No 00-15946 Nelson V Chase Manhattan ( 15 USC 1681s-2 ( 2 ) & ( 3 ) ). The company failed to acknowledge or respond to the fact that the company is required to notify me, the consumer, prior to sharing any of my alleged personal information with non affiliated company as is a federal requirement under 15 USC 6802 ( b ) of my right to exercise my non disclosure right. This is a right provided to me the consumer by congress, it is not subject to the companies policy. This company continues to harass and defame my character in direct violation of federal law as well as my wishes as the consumer. The document they received on XX/XX/2022 detailed my desire for the company to Cease & Desist all illegal activity. It is now XX/XX/2022 and this company continues its illegal activity. Attached is the same attachment in the previous dispute that clearly shows inaccuracies. In the companies response through the CFPB, it states " SWC received XXXX XXXX initial dispute on XX/XX/XXXX and has been correctly reporting the account as disputed since then. '' The attachment shows proof otherwise. Inaccuracies clearly can be found in the highlighted sections, Account Status, Date Last Active, Derogatory/Dispute Indicator. It is the furnishers responsibility to ensure maximum accuracy. After SWC 's response, the company is willfully violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Upgrade, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an amount due on XX/XX/2022, for {$220.00}. I made thus payment a few days late, and per the cardholder agreement, no late fees were charged. However, my balance was only reduced by {$38.00}. Let me repeat, a {$220.00} payment only reduced my balance by {$38.00}. My loan balance was {$4600.00}. My APR is 23.95 %. I should be paying about {$95.00} each month in interest. The rest of my payment SHOULD be reducing my balance. Why was my balance only reduced by {$38.00}, instead of {$130.00}? There is something wrong. This has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried to work with Ally Auto to manage my payments due to Covid-19 loss of income. I have filed numerous complaints against Ally and the Executive Management Team tells the CFPB that they are trying to work with me. LET ME BE CLEAR-THEY HAVE NOT MADE ANY CONTACT WITH ME. They are lying to you guys and not calling or attempting any type of communication. Now, with that said, their collection department calls me EVERY DAY AT WORK. I answer and tell them EVERY DAY TO STOP CALLING MY WORK NUMBER. They do not listen, one guy laughed and they continue calling my work number every single morning. I have tried to get them to stop calling from the collection department to my work number. Again, they do not listen. If they are doing this to me, they are doing this to many other people. 

Also, do not believe that their executive team works with the consumer when a complaint is filed. They have not attempted to reach out to me at all. If you all have other complaints to Ally Auto, I would reach out to the other consumers and see how well their complaints are handled. As I said above, no one has bothered to reach out to me except their collection department to my work number even though I ask them to stop calling my work.

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 2017-06-12
Company: Experian Information Solutions Inc.
State: NY
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:
on  XXXX / XXXX / XXXX , I requested Experian,   XXXX   and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.

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 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had received at my family home, which I haven't lived there since early XXXX, a letter from Capital One. Within the letter dated XX/XX/XXXX, it stated I had a new account and I needed to speak to a team member about charges that had been made. Mind you I DID NOT open a new account with them and the two accounts that I do have DO NOT match the one in question. I spoken with Capital One on XX/XX/XXXX. They did not find any information about sending out a letter nor the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a check # XXXX from my XXXX Bank ( XXXX ) checking account to my Ally Money Market Account ( Ally ). ( SEE FILE A ) The check was written for {$1400.00}. The balance in my XXXX Bank had enough money to cover the amount of check # XXXX ( SEE FILE C ). On XX/XX/2022, I noticed that check # XXXX was returned, with no reason stated. I contacted XXXX and asked if the check was presented to the bank- XXXX stated the check has NOT been presented to the bank for payment. On XX/XX/2022 I contacted Ally to inquire about why the check was returned and a {$7.00} fee was charged to my account. ( SEE FILE A ) Ally states it presented check # XXXX to XXXX and XXXX returned the check for " non-sufficient funds ( NSF ). '' XXXX maintains the check was never presented and it would have cleared the check. Ally refuses to send me any documentation showing the check was returned for NSF and denoted my Ally bank account record and possibly my credit report as a " check bouncer '' - when that is not true.

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 2022-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dates of repeated phone calls : XX/XX/XXXX XXXX XXXX XXXX, XXXX of 2022 XXXX XXXX, XXXX, and XXXX of 2022 XX/XX/XXXX, XXXX 2022 XX/XX/XXXX, XXXX This account was involved in litigation and they are still harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: NY
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:
on  XXXX / XXXX / XXXX , I requested  XXXX ,  XXXX  and Equifax to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: U.S. Auto Credit Corporation
State: MD
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:
U.S auto credit continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request U.S auto credit to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. XXXX is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Marlette Funding, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a pre-approved letter from Best_Egg with an offer code. The letter has not date but has a  Respond  by  XXXX   XXXX ,  2017  date.. The letter reads You 're pre-approved for up to {$50000.00}. I applied online for {$40000.00} with the offer code and was denied based on various factors.     How can companies such as Best Egg be allowed to mail pre-approved letters, accumulate consumer information through the application process, and then deny them? It would seem to me that they are building an information database.

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 2017-06-13
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX17. So this all happen today from about XXXX XXXX to now ( XXXX XXXX ) I decided to use the check deposit feature on my NetSpend account because my new job only gives out checks for payday. So since direct deposit was n't an option, I decided to try to load my check into my account through the NetSpend app but unfortunately it only made things worse. I do n't have a car, it was too hot for my XXXX self to take the bus, so I figure this app feature is a viable option for me.
The app basically malfunction on the part after voided the check, hence preventing me from loading it in my card or cashing it in person.
I first called NetSpend angry and they directed me to XXXX XXXX. Supposedly, when I called XXXX XXXX ( who is partnered with NetSpend to do this mobile check load ), my picture was " blurry '' and the black ink was not bold enough ( when writing VOID ). But I only got a messages that read that indicating my account history, not the picture. Once I figured out what " account history '' meant, the 1st XXXX XXXX specialist told me that my account is fine and I attempted to try sending the voided check. But now the app is starting to reset frequently. After it stop doing that, everytime I attempt to take a picture, the screen goes away and an error message reads " detection error '' ... Unfortunately, when I called NetSpend to confront their issue on the app, all the account rep did on the phone was try to redirect to XXXX XXXX to help fix the issue. I basically going no where with two company blaming one another not trying to resolve the issue. What 's worse is that when I called NetSpend to speak directly to someone who would be responsible. For the app, the customer service rep kept giving XXXX XXXX information. I need bus fare to go to work and these companies are preventing me from accessing my money and they do n't even care.

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 2022-08-16
Company: The Star Financial
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 i tried to deposit am check from XXXX XXXX XXXX XXXX for {$860.00} into my Star financial account. Being saturday afternoon @ XXXX i tried depositing in atm wouldn't let me. @ XXXX i tried another one with same results. 
Som i decided to go to my other bank. XXXX XXXX XXXX XXXX I was able to deposit the check at there ATM. The problem is i used the Star Financial debt Card. I keep checking XXXX account to see when money had cleared. On tuesday the nineth I spoke to customer service XXXX. They figured out i Used Star Financial card instead of XXXX card. I checked Star Financial account, They told me it was on debt card but couldn't put it in checking account. In just got of phone with Star financial same story they blame XXXX hasn't released money. 
XXXX has been on phone with me about everyday with this i don't believe they are holding money. 
I am having XXXX tuesday and will be laid up for a couple of months i needed this money yesterday. 
Please let me know if there is anything you can do

Company response to consumer: Untimely response
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on  XXXX / XXXX / XXXX , I requested  XXXX , Transunion and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So fa r Trans Union,  on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that  may  be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.

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 2017-06-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX   XXXX   XXXX   XXXX  my former employer have reported to Equifax a  XXXX  alert & reported identity theft. They 've amended & restated my tax returns from  XXXX  & made themselves my conservator. The  XXXX   XXXX  have made copies of my birth certificate, social security card & driver 's license. They 've filed my  XXXX  tax return & added the refund to an account I once had with  XXXX  Bank in  XXXX . In  XXXX  I filed Bankruptcy before I knew my credit had been changed. Equifax shows a car purchased in  XXXX , an income. I do n't have an income, they 've taken my home. I am homeless, I do n't have a credit card or a bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRINITY HOPE ASSOCIATES
State: MD
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:
I received a letter from Trinity Hope Associates, located at  XXXX .  XXXX   XXXX ,  XXXX , NC  XXXX  on  XXXX   XXXX ,  XXXX  regarding a medical debt incurred by  XXXX   XXXX   XXXX  located at  XXXX .  XXXX   XXXX ,  XXXX   XXXX , MD that I had been making monthly payments of {$50.00} up until  XXXX   XXXX ,  XXXX  just after receiving a letter stating that I owed {$93.00}.   I sent a letter to Trinity Hope Associates on  XXXX   XXXX ,  XXXX  disputing the debt with copies of checks that were cashed and written to   XXXX   XXXX   XXXX   for the last 3 month 's of {$50.00} payments for the months of  XXXX  through  XXXX  showing payments were made consistently and requesting a full accounting from them since it was apparent that my monthly checks were not credited properly and letting them know that my last check in  XXXX  should have paid off the account. I let them know of my rights under FDCPA.   I never heard another word from  Trinity  until I received a call from  XXXX  credit protection services letting me know tha t Trinity Hope rep orted negative information on  XXXX   XXXX ,  XXXX .   My husband contact ed Trinity Hope and left 2  messages that they have 10 days to remove the negative information from my credit report. He finally received a phone call from them on  XXXX   XXXX ,  XXXX  from  XXXX  at Trinity Hope who admitted receiving the letter of dispute on  XXXX   XXXX ,  XXXX , but claimed that  XXXX   XXXX   XXXX  still says that the {$93.00} was still owed. He explained that monthly payments of {$50.00} per month were being paid and asked why I was turned over to collections. She basically said that was n't her issue that I needed to prove that I paid {$93.00}. She did not care that monthly payments were being made on the account.   I would appreciate any assistance that you can help in having the negative information removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent to collections with Hunter Warfield for a huge amount not owed. 

They are trying to charge me with : {$750.00} for cleaning costs for damage *not* done to a property even though I'd already paid a {$500.00} security deposit to cover those costs when I moved in {$990.00} for a month I didn't even *live* on the property and I'd given notice to vacate after an armed burglary on the property which forced me to move. 

I sent the company the documents showing the police report and notice to vacate, as well as the account ledger. 

They are now trying to get me to pay just the {$750.00} for cleaning costs that shouldn't have even been applied to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
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: Account status incorrect

Complaint:
I used credit karma many times and applied for credit cards trying to build my credit with cards the showed my I had high chance of approvals and was denied multiple times because of inaccurate information. I would have never applied to these cards had I known I would of been denied and it hurt my credit score even more

Company response to consumer: Closed with explanation