BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: Exeter Finance Corp.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good Morning, on XX/XX/2016 I began the process to refinance my car through Exeter Finance Corp. I went on line and clicked the " get payoff amount '' on the website within my account window. I took the screen print of my payoff which was XXXX to my credit union. On the same day I completed the application fort he refinance of my XXXX. In XX/XX/2016 I noticed Exeter was reporting XXXX to my credit bureau. At that point I contacted Exeter an was told that the amount is under investigation and I should call back in a few days time. On XX/XX/2016 I received a letter from my credit Union indicating that they are still waiting for the title from Exeter so that XXXX ( my credit union ) can now become the lean holder. On XX/XX/2016 I contacted Exeter again and spoke to XXXX about my outstanding balance. She verified that I did have a have a 10 payoff time frame which was met and that she is not sure why I have a balance. I asked to speak to a supervisor and was transferred to XXXX. He indicated that my balance was still owed because I did not contact customer service via phone instead of acquiring the pay amount l via the internet. Next I asked him can he retrieve the amount I would have been quoted under the " pay off tab '' in XX/XX/2016. He said he has no way of accessing that information. that time. Lastly, on XX/XX/2016 my payoff became effective XX/XX/2016 however the process date was XX/XX/2016 which was told to me by XXXX a customer service representative at Exeter. As of today XX/XX/2016 I owe XXXX since this balance is accruing. I do not agree with Exeter 's decision to disregard my payoff amount generated via their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: ATG Credit, LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Pinnacle Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Lendmark Financial Services
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When working on building my credit, I took out a loan from Lendmark Financial in XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.

Company response to consumer: Closed
Consumer complaint received 2016-12-28
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Warner Asset Location Services at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe XXXX XXXX. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: HOMESTEAD FUNDING CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our XXXX mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from XXXX stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted XXXX to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to XXXX within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for XXXX stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from Homestead dated XXXX XXXX, 2015 that stated my mortgage was being transferred to XXXX effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.

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 2021-05-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I decided to refinance my Nissan XXXX 2018 to reduce the APR. The original loan was trough Nissan Motor Acceptance Corp with a 6.49 % annual. My bank XXXX XXXX XXXX XXXX approved me a new auto loan for 3.99 % annual so I requested their check ( {$19000.00} ) from a branch and sent it to Nissan. They received my check, cashed it out on XX/XX/XXXX but they did not apply that payment to my account. On XX/XX/XXXX they sent my account to collection and now they are trying to repossess my car. 
The best part is, Nissan already sent the title to XXXX XXXX!! That means that Nissan is trying to repossess a car that has another financial entity as a lienholder!!! 
I went to my bank and they provided me proof of the title and the check cashed out. 
I spent hours on the phone and they are not helping me at all and they don't stop calling, threatening me as a debtor and harassing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After getting information at work about fed employee forgiveness plan I sent the required form. After many calls to find status I was told I qualified. I continued to go online at fed loan but account not set up yet. Received letter stating do not send payments to previous lender XXXX as loan was transferred. More attempts to get info from fed loan but account not set up yet. Mean time fed loan sends bill for XXXX dollars. Sent the payment expecting adjustments with next bill. Next statement said I owe XXXX dollars. Called fed loan and was told that was my monthly payment. I had been paying a manageable XXXX dollars a month to XXXX and this was unreasonable. Fed loan said I was paying too little? I was told that if made all of my payments on time All previous payments would count towards my XXXX payments. After phone calls I was told I had to consolidate first. I never signed a contract stating the terms of this loan and want to go to my original loan with XXXX. Is there something I should do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reference : Case number : XXXX still not resolved My name is XXXX XXXX, resident at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, and the reason for my complaint are listed below : I bought my property at XXXX XXXX XXXX in XXXX. 
Until XXXX my mortgage loan # XXXX lender XXXX Bank. 
On XXXX XXXX, XXXX we received a letter " Notice of Assignment, Sale or Transfer of Servicing Rights '' from XXXX Bank, to Specialized Loan Servicing ( SLS ), effective XXXX XXXX, XXXX. 
XXXX See Doc. # XXXX attached On XXXX since I did not receive any writing communication from SLS I sent my payment to XXXX Bank, but it was not accepted, they confirmed that where to send the payment to SLS and we did with certified letter. 
Our last statement from our mortgage loan was XXXX from XXXX Bank. 
XXXX See Doc. # XXXX We wrote so many letters and did so many phone call requesting our " monthly mortgage statement '' that were unsuccessful, with promises that never where delivered. 
We sent every month our payment and every payment were cashed by SLS, even though we are getting every month letter that we are behind. We sent every month payment with a letter with a full description where to apply the payment. 
XXXX See Doc. # XXXX list of monthly payment Not be enough to make monthly payment to keep proving that the payment was done, that we are fighting to get monthly mortgage statements, now I have to prove that we made the payment and maybe get a lawyer and spend what we do not have. 
XXXX See Doc. # XXXX " Notice of Default and Notice of Intent to Foreclose ''. 
I think if we have a Department that is in charge of fraud it is time to act, because we are not The only ones with this problem with SLS, just go online and search how many people are dealing with SLS and they are crooks, that somebody must stop to ripe people off that are working honestly to make their house payment. 
WE DEMAND OUR MONTHLY MORTGAGE STATEMENT THAT IS OUR RIGHT, Nobody will keep Sending monthly payment for 20 ( twenty ) years without knowing where the money is going, and with no monthly statements that you can check where your money is posted. 
Beside all above now they are saying that we have shortage of escrow with no statement We hope that as a Commission that was created to avoid MORTGAGE FRAUD, you will take action and stop SLS, and what to do since this is an ongoing situation with no resolution whatsoever. I am enclosing complaints from other customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: United Student Aid (USA) Funds
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX has committed fraud, predatory lending, and has ripped me and XXXX other young students off. XXXX XXXX has completely ruined my financial futures with lies and deceit. They pulled the XXXX degree program out of the school after I had already started attending to obtain my XXXX XXXX degree. Then they placed me into a different XXXX degree program without ever having the proper prerequisite courses to prepare me for the XXXX program. They have completely set me up for failure and have lied to me every step of the way. My campus in XXXX XXXX, FL is now closed down and I have absolutely no recourse. I have been paying these fraudulent loans for close to 10 years and I still have a long way to go. Everything they have promised me has been a complete lie and I am seeing absolutely no benefits from attending this school. I had to do many months of research to find out where these loans even come from and who is backing them. USA Funds Inc are backing these fraudulent loans and they have done everything they can to hide this fact. The Department of Education has given XXXX us, who have filled out Defense to Repayment applications, the complete run-around and are trying to sweep us under the rug. They are profiteering on the hopes and dreams of young people and are crushing them with unmanageable debt. XXXX XXXX is a complete scam and if you do a simple XXXX search of XXXX XXXX you will see thousands upon thousands of negative opinions of the school and the myriad of lawsuits filed against them from attorney 's general, The SEC, The CFPB and many others. These toxic, fraudulent and predatory loans are backed by USA Funds , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a DELINQUENT TAX NOTICE dated XXXX/XXXX/XXXX concerning parcel # XXXX, which is in XXXX XXXX, Idaho. ( I do n't own any land in that county and never have. ) I made a copy of the notice and sent it to the mortgage company asking for an explanation. No reply was made. 
A Escrow Account Disclosure Statement, dated XXXX/XXXX/XXXX, was sent to me indicating a much higher mortgage payment will begin in XXXX XXXX, as a result of failure of me to pay taxes on the property in XXXX County that I do n't own. 
I 'm trying to get the mortgage company to recognize their mistake, but do n't seem to be having success.

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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone had submitted multiple fraudulent applications with multiple banking institutions, including 5 inquires ( of both hard and soft ) which are XXXX XXXX XXXX XXXX, XXXX and 2 COMENITY/VICTORIA SECRET inquiries ( all were reported to the credit bureaus around XX/XX/XXXX to XXXX XXXX 2021 ), and of the 5 applications, 1 was able to go through and be approved, and a fraudulent COMENITY/VICTORIA SECRET store credit card was fraudulently created underneath my name. ( reported to the credit bureaus around XXXX XXXX, 2021 ) I have contacted all the creditors and banks listed above and they had all started an investigation ( except forXX/XX/XXXX, as they indicated they can not find any record of an application underneath my name and SSN that was filed with them, when I can see that on my credit report ) and had closed the account that has been fraudulently opened ( the VICTORIA SECRET store card ). However, all of the information listed above has already been reported to all 3 of the credit bureaus and has already begun to have a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Ability Recovery Services, LLC
State: TX
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:
A creditor had a charge off XXXX XXXX  and they sold my information to ability recovery services. Now they have put this debt on my credit for again until XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX I received a letter from SLS Mortgage Company, Specialized Loan Servicing LLC, stating that my account was transfered to them from XXXX XXXX XXXX, at that time I was a month behind and my monthly payments was {$680.00}, a few days later I received another letter from SLS Mortgage stating I was two months behind, which I made several attempts to contact them to dispute the amount owed, which was only one month. My wife made a double payment to catch up. On XX/XX/XXXX we received another statement which was for {$2700.00} the double payment was not applied to the account again. In XXXX of XXXX I received another letter stating my monthly payments were going from {$680.00} to XXXX I called SLS and no one would give me any answers, the woman told me in her system my payments were {$680.00} and to continue to pay that amount. The next statement I received was for {$3100.00} dated XXXX XXXX, the other payments were no applied again. My wife made a payment of {$1400.00} via money order, which has not been applied.I had also filed for a loan modification in XXXX, I filled out the modification papers five times because SLS claimed they did n't receive it and it was XXXX it to them each time. On saturday XXXX XXXX, XXXX I received the modification letters and SLS wanted me to pay them {$1000.00} a month, that not a loan modification, that is almost double of what my monthly mortgage is, considering I lost my job. I went through all my paper work I received from SLS Mortgage and found a letter dated XXXX XXXX, XXXX stating I owed XXXX XXXX from XXXX {$990.00}. advances of {$1200.00} and outstanding fees of {$29.00}, this was from XXXX and was included in my bankruptcy. This company is trying to collect on an Bankruptcy account that 's not even theirs.This company has really stressed me with the harassing letters of foreclosure threats, and wo n't post my payments correctly.

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 2015-10-12
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I filed and received a chapter XXXX bankruptcy in XXXX XXXX. We continued to pay Specialized Loan Servicing outside of the bankruptcy, however they refused to send monthly statements and they removed my ability to see my account on-line. In XXXX XXXX, we apparently failed to make the monthly payment, a complete oversight on our behalf. SLS then began showing that we were 30 days late, we were completely unaware, and they continued this until the discharge of the bankruptcy. They also, during this entire time, reported to the credit bureaus that we were paying on time, again making us believe everything was OK. Then suddenly when the discharge took place in XXXX XXXX, they updated all the credit bureaus to reflect that we had been 30 days late every month XXXX 48 months XXXX. We should have been shown 30 days late XXXX time in XXXX of XXXX ... XXXX time, but instead they decided to punish us and show us late for four years. In my opinion this was a willful act to blemish our credit and reputation. When we were notified of the oversight ( missing payment ) we made it good, along with fees, but this was not good enough for SLS. To me it is an unfair practice to not supply a statement to a customer and not allow them access to their account, but then you want to smear their credit when you do not receive a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation