BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019 I chose to reset the password of my Google account where I utilize the wallet feature. I was prompted to verify requested information for authorization. This was successful and the password was stored to my mobile device. On XX/XX/2019 I was prompted to re-enter my password on my laptop. The login attempt was unsuccessful. At which point I attempted to utilize the forgot password option linked to my mobile device for another verification/authorization. I received a message from Google indicating my account had been locked for security until further information was received. Since XX/XX/2019 to the present I have continued to complete the requested steps ( the same steps and answers from the successful reset on XX/XX/XXXX ) with no valid response or resolution to accessing my personal financial and business ad spending data and personal linked bank account information stored by Google, Google Ads, Google Wallet. The company requests an additional email to be contacted, by which has been provided and is listed on the account in question. I have given valid information of the only mobile device and laptop I use to include " Google Collected Details '' as shown and defined by Google below. Additional information such as One-Time Use Security Code from my Mobile device has been provided for further action. Instead the company responds with generic automated messages falsifying their true due diligence of investigating, verifying, authorization of my account and access to my digital data connected to Google Ads spending and Wallet. The process and solutions provided have sent me in an endless loop followed by more generic automated messages with the same links to the same process ( attached ). Furthermore, Google has received the below information regarding my authorization and verification to access my account as this data has been collected, stored and currently held hostage by Google Company. This information will continue to be made available from myself for the company to re-authorize accessibility to this account. 

Google Data Collection as Defined from https : XXXX? XXXX & XXXX & XXXX " Last account activity You can see your sign-in history, including the dates and times that your Gmail account was used. You can also see the IP addresses which were used to access your account. '' " Activity on this account This feature provides information about the last activity on this mail account and any concurrent activity. Learn more This account does not seem to be open in any other location. However, there may be sessions that have not been signed out. 
Recent activity : Access Type [? ] ( Browser, mobile, POP3, etc. ) Location ( IP address ) [? ] Date/Time ( Displayed in your time zone ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last Wednesday my account suddenly showed XXXX balance. I called up immediately the bank and was told a legal order came in for nearly {$2900.00}. I requested a copy of the legal order but I could not get it. I do not have any inconvenience with any lender, except a problem I experienced with my health insurance ( provided by my then Employer ) that failed ( filed bankruptcy ) in XXXX and did not reimburse me over {$240000.00} in medical bills ( I was entitled to ) and spent to save my wife 's life. A legal proceeding is ongoing and my attorneys are taking care of this case! This legal order is likely connected to an amount of approx. {$12000.00} due to one lender ( a private company I am not aware of ). I also understand that some medical debt is being removed from US credit reports. However, my medical debt ( generated by my failed health insurance ) still showing on my credit report. My attorneys will be writing soon to all rating companies to write off this debt! I am not responsible for this debt and the bank should reinstate my balance and refuse the legal order. The account is under my name and my son and the legal order is not applicable! My son has nothing to do with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: American Credit Acceptance, LLC
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Started loan in XXXX of XXXX with an original loan amount of {$5700.00} the very next month my total owed is {$5900.00}. And only {$00.00} cents went to my principle I pay a total of {$200.00} a month every month on auto pay with a monthly charge of {$170.00} which totals to me paying {$25.00} extra a month. The interest charged goes up and down every month without reason, they didn't take an automatic payment in XX/XX/XXXX and in XXXX of XXXX {$200.00} went to interest and nothing went to my principle. I was told I get charged {$4.00} a day in interest totalling $ XXXX {$120.00} a month yet my interest payments flucuate from about $ XXXX {$200.00} a month and the most ever applied to my principle is about XXXX or so dollars monthly if that. If I were to pay off the loan today they would charge me {$5400.00} meaning after paying {$2000.00} since XXXX of XXXX till XXXX of XXXX I would have only paid {$460.00} towards my principle that is robbery and fraud. Yet I get told I don't understand how a simple interest loan works. Also their statement re how the payments are applied are 1. Misc fees ie. Repo if applicable 2. Interest currently due 3. Principle current and past due 4. Fees ie. Late/nsf 5. Remaining principle. They are being shady with my money and it's not right. I should only owe {$5000.00} not {$5400.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 XXXX Receives Customer Rebuttal to Response ( The consumer indicated he/she DID NOT accept the response from the business. ) Vengroff states in their response that " no answer ''. I answered my phone XXXX XXXX PT from XXXX with a woman who identified herself as " XXXX '' from Vengroff. She stated that I had been leaving message with the wrong office, so she did not get them. I advised XXXX that I was at work and I would be open to calling her tomorrow, Friday XX/XX/XXXX. She stated that I could call her using the # on my caller ID and that her office is very busy and small. That someone would get back to me when they could. The biggest concern I had with the phone call is XXXX advised me that it was a recorded line ; however, she did not utilize the Mini Miranda or advise that she was attempting to collect the debt. 

XX/XX/2019 Forward Business Response to Customer XX/XX/2019 Receive Business Response Vengroff Williams has investigated has reviewed the complaint. Our offices has attempted to contact the consumer at the number provided and reached no answer. The consumer may contact our offices @ XXXX or XXXX XXXX XXXX to XXXX XXXX  EST. 

XX/XX/2019 Notify Business of Dispute XX/XX/2019 Send Acknowledgement to Consumer XX/XX/2019 Case Reviewed by XXXX XX/XX/2019 Case Received by XXXX ( Less ) Case Description : Obtained notice of a debt by XXXX XXXX provided to VWI. Attempted to call VWI 3 times over a 3 week period with no response to resolve. Left VM Purchased a sales agreement from XXXX XXXX on a XXXX XXXX. When the car was stolen, the vehicle service agreement reimbursement was wrongfully issued to me ( per XXXX ). XXXX turned the proposed debt to Vengroff Williams Inc. I received notification of the debt in XX/XX/2019. I have lft VM 's for Vengroff at XXXX ( which states a medical billing service ). I have talked to XXXX XXXX that states they can not work with me that i must go through Vengroff. Neither entity is willing to help me resolve an issue that XXXX initially created in their own error. Credit is being damaged and I received a collection letter at my place of work. XXXX is being uncooperative and Vengroff is being unresponsive. 

Extra Detailed Info Date of last interaction with business : XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report, I noticed my score had dropped tremendously. TransUnion has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. 

To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report, No consent is identity THEFT.

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 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
These people are monsters! Blocked me from being able to email them documentation and their requested information via their secure links so that I can not state my case for my disputes, which means I automatically lose! Called Capital One three times and spent 2 and a half hours in total over this and got NOWHERE!!! Just 2 and a half hours of my life I'll never get back and a boatload of aggravation!! Two agents shifting the blame on me stating I need to try using a different device or browser.. Third agent after the third time I called, admitted they actually put a block on my account which prevents me from being able to submit documentation via their links!!! These people are nothing but a bunch of shady characters who treat their customers like garbage and the Federal Reserve should shut them down! If they're not going to take the block off then they need to automatically award my disputes in my favor!! If I mail in my documentation, based on what they did with my account, they're just going to lie and say they never received anything! With emailing it, you get a confirmation it was received along with a reference number. Mailing it gives you nothing. I would have to send it via certified mail, and I'm not going to A -- be inconvenienced by having to drive out of my way to the post office, and B -- pay to send out mail all because Capital One wanted to play these wretched and despicable games!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
My social security number, credit card numbers and personal information were breached in the 2017 Equifax breach that was the result of negligent security practices by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In accordance with the fair credit Reporting act Hyundai Motor Finance, has violated my rights. 

Hyundai Motor Finance recently took repossession of my car after I suffered a hardship ( was behind 2 months due to COVID-19 ). Spoke to a representative who asked me when I would be able to bring payment current - upon giving her a 5-7 day window- she explained to me that my vehicle was not currently in a repossession status as of yet but I needed to make that payment. Upon making multiple payments via XXXX  XXXX quick collect totaling over XXXX which was more than what was owed ( my monthly payment was roughly {$670.00} ) right after I made the payment- my car was repossessed a few days later. Upon speaking with the towing company the lady expressed that sometimes they will lie to get you to make the payment and still take the car. I was working from home and with no childcare ( which was due to my daughters dad having XXXX ). I had to cover tuition that month which is what put me behind. I am a parent with one income - so I had no idea that they towed the car. Upon calling they told me that I had to pay the whole loan balance off opposed to the {$1700.00} that they said was past due. Keeping in mind I paid my balance. The tow trucker driver told me that the system is automatic and that because I paid via XXXX  XXXX quick collect and didnt make the payment over the phone and it was the weekend Hyundai probably didnt know it was made. However, upon trying to explain my situation to Hyundai reps I was met with ridicule and condescending tones and one rep even disconnected the call. Ive been with Hyundai Motor Finance for a total of 7yrs that was my third vehicle in a row with them. So to be treated like that during one of the most low moments in my life was very hard. It impacted not only my mental health in the moment - but now I am without a vehicle, this will impact my credit as I am trying to save to purchase a home for my daughter and I. They refused to work with me only manipulate me into a payment just to go against their words. I am still lost and do not know what to do. Please help me.

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 2018-11-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i applied for a small installment loan from.what i thought was acecashexpress and i got an email stating i was approved with what looked like official letterhead even a pic of the license with an approval number and a name on it. i called they explained the fees to me than asked me to.fully verify.my social, my debit card and bank acct. they say theyll call me back i than get a call from my bank who.said someone called in 5 claims about 5 different withdrawals luckily the lady at bank found it suspicious and tried to.further verift this person acting like me and told them they needed to go into a local store.they did.call back and told me they were workin on it except this time i recorded the.covo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since I've had credit karma since 2014. They state I am pre approved for credit cards or for loans. When I apply I get denied. So my credit score goes down and I have more inquiries. As of today cause of them I have high amounts of inquiries. Also some of them have ran my credit more than once. I talked to the company several times they say there is nothing they can do about it. I'm very annoyed and stressed about this. I have missed several apartments because of them. My credit being low from applying for things that they state I'm pre-approved or have excellent approval odds. I'm ready to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage LlC have added fees to my mortgage with no explanation, every time I ask what the fees are for their from your old mortgage company can you send me a letter with a detailed breakdown showing the fees. You will have to call another 800 number. They have added fees to make my mortgage payment increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is gross incompetence at Freedom Mortgage. My previous rental property loan was transferred from XXXX to Freedom for service. Freedom mixes up my mailing address with my rental property, putting the unit number for my rental unit ( XXXX ) to our mailing address. After calling Freedom repetitively, they still have trouble fixing this error. Then they sent a letter to me indicating that my home insurance did not have the right address. It did. And they make it very difficult to update information, insurance policy, correct errors either by phone or through their online system. This company is so incompetent and one wonders what other serious errors they have in their system.

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 2019-11-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX, a part of experian - membership expired and at the expiration they unlocked my credit without my instruction or permission. 

Amounts to extortion to pay for membership to maintain credit lock. Experian is the one that had a breach of my data. 

Guessing this is happening to thousands of people that received the free service after their breach. 
Remedy ... lock my credit and do not unlock without my permission.

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 2019-11-30
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The situation is as follows : I visited a hospital Emergency Room In the XXXX XXXX, CA area on, or about XX/XX/XXXX for an emergency medical condition in which I arrived by 9-1-1 ambulance. At that time I presented the particular Hospital in question - ( of which this bill is being submitted ) - with proof of my enrollment in the Medi-Cal program- ( Medi-Cal is the name of the Medicaid program in the State of California ). 

This reported debt is for an amount due by balance billing- ( the practice of billing a patient for the balance of monies due that were not covered /paid by insurance coverage ) - ; however, I was a Medicaid patient at that time and the full balance for services rendered -as per Medicaid- was paid to this facility & providers. 

My visit was billed to Medi-Cal/ XXXX XXXX XXXX public health plan. I informed this hospitals billing department of this fact of NUMEROUS occasions ; and, also informed them that under California law the balance billing of Medi-Cal patients is illegal. 

Furthermore, this collection agency continues to report this debt to the credit bureaus as if it is new/recent, when in fact this goes back over 5 years to XXXX. 


I have attempted to resolve this issue through the listed collection agencies, as well as through the dispute process with each one of the three major credit bureaus. The organization listed below continues to report this false/incorrect/erroneous information.

* ( Please note that there are several of these incorrect/fraudulent debts reported on my credit report ( s ) which I will be filling similar complaints about. Please read each one as unique. Thank you, XXXX XXXX ) The account details, as per the collection agency attempting to collect this *erroneous* debt is as follows : Bureau Name XXXX XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 4 Years, 6 Months Credit Limit Not Reported Highest Balance {$4800.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with XXXX children. 
Please help Thank you

Company response to consumer: Closed with explanation