BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. 

In late XX/XX/XXXX I received a collection notice from Sequium Asset Solutions , LLC. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. 

Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I have been unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have not had the ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process. In fact, the stay-at-home order was not rescinded until XXXX XX/XX/XXXX and my state continues to operate under a a state of emergency declaration pursuant to Executive Order 2020-106 issued XXXX XX/XX/XXXX, and superseded by Executive Order 2020-127 issued XXXX XX/XX/XXXX by the Governor of the State of Michigan. 

I do not owe the alleged amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Critical Resolution Mediation LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company

Company response to consumer: Closed
Consumer complaint received 2016-04-27
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested validation several times and yet to receive anything except for a collection notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at approximately XXXX I got a call from XXXX. He told me his name was XXXX XXXX and he was calling from Wells Fargo Fraud Department and there was fraudulent transactions being made on my debit card and if I could verify it was me. There were XXXX transactions he named that he said were made in Georgia. One was for {$200.00} one was for {$3000.00} and one was for {$500.00}. I declined that any of them were me since I live in Pennsylvania. He then told me that he needed to make a new account for me and that I needed to wire my money from my account to my new one having the money be transferred to myself. He told me if we got disconnected his name was XXXX XXXX and gave me a reference number. I wired {$14000.00} over to the account and the phone hung up. When I called back it directed me to Wells Fargo. I thought it was suspicious after he didnt call me back since the number was a Wells Fargo number. I filed a claim with Wells Fargo for wire transfer fraud and the woman I spoke with, XXXX, told me that they disguised the number as Wells Fargo to make it look like it was them really calling.

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 2020-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit and shows my name was compromised there's charged off account from XXXX XXXX XXXX XXXX I went and file police report # XXXX my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: WELLS FARGO & COMPANY
State: TX
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:
WELLS FARGO SHOWING ON XXXX XXXX XXXX XXXX HAVE FTC OF THE INACCURATE INFORMATION

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 2020-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have been trying to reopen a business account for almost a year. I even deposited cash in the closed account that was charged off because of automatic withdrawals from IRS, XXXX XXXX. 

The bank refuses to reopen the account or even assist me in collection of monies due to the government. 

Yesterday, XX/XX/2020. I just tried to change the address on the company account because the address it had on the last statement was some personal address of a XXXX who was a signer before but the company isn't even operating anymore. Then they proceeded to ask me all these other addresses which I assume were this signers, which I have no right to know where she lives now or what is doing. 

I tried to change the address at the branch, they told me no business banker was available due to covaid, I called, they couldn't do it on their system for some reason. I dont understand why the business address is not the same as the server of process recorded at the state of California because if any debt collector wants to collect on a judgement for a loan, taxes, unemployment etc, they can levy the account. The account holder deserves notice of the levy. 

The address is important. 

Attached are my statements and the current statement of information that I would like wellsfargo to reflect on my closed business accounts.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-03-30
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of full payment of debt agency is keeping account open and reporting to credit beareau and also did not send closure letter even after 1.5 months from receipt of payment

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 2020-06-19
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My investment account with XXXX requires a link to my bank account with PNC and I would like to do that but for some reason PNC is not allowing me to do that. Today ( XX/XX/20 ) I tried to link my accounts and I was unsuccessful because PNC changed something and will not allow it. Please investigate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account has already been paid in full and still has been submitted to the credit bureaus after being paid in full. 

Contacted the company and have left messages. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again. 
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call. 
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of. 
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress. 
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This bank is crazy after allowing me to open a checking account they blocked my debit card I cant use my account I dont understand them why they like to bother me I have done nothing wrong for no reasons they like to bother they have nothing to do the branch called me said they spoke to their Backoffice and they told me to come they opened my account ordered my debit card and checks the account was active and fine and all of a sudden its frozen

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-09-10
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX Hospital to another company. I called recently because the account is still on m Equifax account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital in XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Check n Go charged off the amount of XXXX on account # XXXX on XX/XX/2015. XXXX was assigned the loan to collect on the debt I paid XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX rep XXXX XXXX the final payment on XX/XX/2015 and received a paid in full letter. I call Check n Go advised them of the payment but I received a call from XXXX XXXX XXXX XXXX trying to collect on the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
At the end of XX/XX/XXXX i misplaced my wallet ( which had my USAA membership card and all my info along with my debit card in it ) and the wrong hands found it because within the next couple of days i had XXXX savings accounts opened in my name, which i did NOT authorize my any means. Whoever opened these accounts deposited fraudulent checks for various amounts of money, coming up to be around {$4000.00}, which ended up returning and putting MY account negative almost {$4000.00}. I have been trying to resolve this issue with their financial institution for 5 months now, i have called and called and my step mother ( the joint over on the account ) has called and called and they always say they will call back within the next couple of days and NOBODY CALLS. I have never received a phone call back for as long as this has been going on. Every time i call and talk to someone they can never help me and say that the person who can help me will call me and they just never do. I was told i was going to be held responsible for the negative balance on the account and that is completely unacceptable, then i was told the amount had been charged off so now its going to go on XXXX credit report. On top of all of that, i got my paycheck the Thursday after the incident happened, which was direct deposited into my checking account, which got put on lock down, so to this day i still have not seen that {$310.00} and that is a lot of money to a XXXX year old busting her XXXX at work for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan Modification and was offered a balloon mortgage where my lender added 21 years to my mortgage and only lowered my mortgage payment by {$400.00}. They are refusing to revisit this and now I am being force to sign off on a balloon mortgage Modification deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis several months ago that is incorrect and after going through the channels by sending three emails and two letters, one to the escrow department, I can not get anyone to correct it. My payment went up by almost {$100.00} because of this error. I was very specific on where their error occurred and received no satisfaction here.

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 2022-08-17
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I entered into a lease agreement with Kia Finance America for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. Kia Finance America received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over XXXX points. I logged into my credit monitoring tool and saw new negative information from Kia Finance America, indicating that the account was closed and late. I immediately disputed the information and contacted Kia Finance America and demanded they correct the information within 48 hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from XXXX, XXXX decided to remove the account from my report for Kia Finance America 's failure to respond. 

On XX/XX/XXXX, I received a notice from XXXX that Kia Finance America demanded that the account be re-added back to my XXXX credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted Kia Finance America and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific XXXX scores. 

At this point, I got into a back and forth with XXXX, XXXX ( the credit monitoring tool I use ), as well as Kia Finance America, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through XXXX against the data in my report regarding Kia Finance America. On XX/XX/XXXX I received the results, and Kia Finance America has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.

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