BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX after putting my complaint referring to this account, which in different occasion, expressed that did not belong to me, Pinnacle Credit Service LLC sent me a correspondence signed by an executive named XXXX XXXX ( complience division ) Which determinated that after an internal investigation, had decided to removed it from their systems whithout basis or livelihoods to keep it in my reports, according to clearly stated the letter, he asked the XXXX major bureaus remove the same, today XX/XX/XXXX, checking my information at XXXX I find the account again in question, which appears paid off completely, never made any payment since they do not recognize this debt as mine, I made the correct procedures under my rights validation according to the FDCPA 15 USC 1692 Sec 809, whithout ever receiving a response from the company, is illegal under FCRA force report unverifiable and inaccurate consumer data, if determinated to give it as paid, it was an action itself Pinnacle Credit Service LLC as I said not paid off this I note that is not mine, remove this information inmediately from my credit reports, first case with CFPB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Exeter Finance Corp.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Exeter Finance received an insurance check to be applied to the principal balance of my loan XX/XX/XXXX. The check was cashed on XXXX XXXX 2016 and as of today XXXX XXXX 2016, has yet to be applied to the principal balance of my loan and everyone claimed the check is not able to be located and payment denied. The company continues to charge my account interest based on the former principal balance. I have attempted to resolve this for several weeks, spoken to supervisors and sent a copy of the paid check to Exeter Finance for review and confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Immediate Credit Recovery
State: CA
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:
Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Immediate Credit Recovery
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Contacted for the first time in XXXX XXXX about a loan from XXXX 's that supposed remained unpaid. Live in XXXX. Wrote an XXXX chq as XXXX draft not possible ( too old fashioned ) and explained problem in letter. Chq returned and XXXX draft requested. Started to question paperwork and asked for proof of debt and method of payment other than XXXX draft. Only received unsigned form letter answering questions I did not ask and escalating the debt amount. Thought it was a scam due to time lag in invoicing, clock not stopped when validation of debt requested, debt not validated, no alternative payment method offered, IRC website says they are XXXX XXXX but actual XXXX XXXX site says they are not, lack of contact information on correspondence ie return address, no names or signatures, slow mailing to XXXX ( about a month ). I have copies of all correspondence including registered post and fax transmissions to XXXX. Complaint to XXXX ombudsman XXXX XXXX XXXX, no receipt acknowledged and followed up 5 times. XXXX XXXX letter received and email from XXXX XXXX Escalated Issues advising complaint to be lodged with FSA Feedback System and copy of a loan document provided. Issue lodged with XXXX Feedback System XXXX XXXX XXXX ( XXXX date XXXX XXXX XXXX. Information package from XXXX Feedback System received XXXX XXXX XXXX dated XXXX XXXX XXXX again unsigned, no contact information and no name. Claims much of my correspondence unable to be found ... ..and that even though I ca n't remember the loan does n't mean I am not responsible. However I finally received documentation about the loans but no explanation as to why it took so long to invoice me in XXXX as I have held a XXXX passport since XXXX and drawn XXXX Social Security since XXXX. The package also contains reference materials to an erroneous loan at XXXX XXXX XXXX in XXXX. A place I was never at. I was living in XXXX in XXXX. The only institution I ever attended was XXXX. Again it said to contact Immediate Recovery Inc to arrange payment so we are back to the spinning wheel again. XXXX provided no payment method and IRC have not answered my emails this week. I believe at the very least the interest should have ceased in XXXX XXXX, anything related to XXXX is not me and if they can not provide a swift code for direct deposit or credit card facility to clear the XXXX debt then Social Security is the only option. The debit is supposedly {$2100.00} as at XXXX XXXX XXXX. I hope you can help. Otherwise I will have to go back to the XXXX Ombudsman or just wait for the Social Security option as there appears to be gross incompetence or a scam going on. Note : I ca n't talk on the phone due to XXXX ( service related ) and the time difference between XXXX and XXXX also adds to the difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2015-07-24
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX of 2011, my mortgage loan was modified under the " Make Home affordable '' Government plan with XXXX and subsequently transferred to a servicer called SLS. 
Shortly after the transfer, SLS increased my mortgage payments from {$2000.00} to {$2200.00} without any notice. An increase of XXXX in which I believe is was an error for what I have been financially burdened. I am looking for restitution for those monies I have overpaid over the time of the loan. 
I am attaching a copy of my original modification documents in support of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have tried several time to get this removed from my credit report IT IS NOT MINE, IT IS NOT MY NAME. XXXX XXXX XXXX ACCOUNT # XXXX, XXXX REFUSES TO REMOVE. 
XXXX XXXX AND XXXX XXXX XXXX IS not my name, so remove from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX Loan Servicing has repeatedly failed to mail mortgage bills to my correct address. I have lived at the same address for the past 2 years and XXXX has failed to send me monthly mortgage bills and then they report my account as past due. This is now the XXXX time this has happened and the last time it happened my account went 60 days late and my credit has been adversely affected due to XXXX 's failure to send the bills in the timely manner to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
Due to Covid and unfortunate family circumstances, we held the car past the lease term ending XX/XX/2020, but continued to make monthly payments to show good faith that we were extending the lease. Never once was my payment rejected or returned for the next several months. GM issued an order of repossession in XX/XX/2020 to get the car back, but this repossession had nothing to do with a financial obligation. Our credit report indicates we owe a balance. As this was a lease with no payout due at the end of the lease term, there is no balance due, merely the car was to be returned and that is why GM supposedly " repossessed '' the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I received unemployment on US BANK RELIA CARD. My account was hacked so I filed a dispute on XX/XX/2020. They had me do the online verification. I did that 10 different times. I also faxed over my social security card and my identification card. I have received a eviction due to not paying my rent and all my bills are late with fees. They still have my account restricted and were going into 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 2020-12-30
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
On XX/XX/2020 the balance of the debt was paid in full. As of XX/XX/2020 I called the institution with an attempt to update my credit report and have the collections removed from my credit profile, but the very polite customer service agent made me aware that this type of issue is beyond her scope of business. As a result, I am now asking that the account be removed from my credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the middle of a process of loss mitigation. On XXXX, the Bank asked for some documents. On XXXX XXXX, 2015, I sent ALL the documents requested through email, and the Bank officer replied " Received. Thank You ''. On XXXX, I got a letter closing my loss mitigation case because " I did n't send the requested documents '', and the Bank immediately referred my case to Executions. I reacted and proved that I had sent all the information requested. They apologized and continued with the case. They asked for more documents which I updated and provided. My case was open and ongoing when, to my surprise, I was notified with a Foreclosure Summary Claim! The Court has even set my case for trial. And I never got an answer from Loss Mitigation or alternatives I could use to prevent this. The Bank even lied openly on the Claim, affirming that they had a new appraisal of my house, when no appraiser has come to my house. The same Bank has even offered mortgage loans in my area for values under what I owe, provoking a legal discrepancy that affects older mortgages, like mine, that in 20 years, owes more than the value the Bank is attributing my neighbor 's houses.

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 2020-12-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a " VISA Debit card '' in the mail today ( XX/XX/20 ) that I did not request or apply for from US bank ( ReliaCard on the front ).

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 2020-12-30
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXXXXXX XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2016-11-22
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
submitted a mod review package XX/XX/<YYYY> Since then I 've submitted multiple pages of documentation as they have requested without question. Today I reached out to the lender to get clarification on a letter the borrower received requesting documents. I submit documents electronically via email. The lender claims that they do n't have the XXXX but it was submitted with the original package. They are also requesting the homeowners association statement which has also been submitted in XX/XX/XXXX. I have tried to communicate directly with the point of contact who is named XXXX but have never EVER spoken to him. Also tried to request to speak with XXXX 's supervisor and of course there were no supervisors available. The lender has continuously been unorganized. When I called for an update XX/XX/2016 I was told that the review was denied due to the XXXX being incomplete. The rep I spoke to reviewed the XXXX I sent in most recently and confirmed that it was complete and accurate and said she would send an email to reopen the review.

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 2015-09-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CONRAD CREDIT CORPORATION
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I obtained services from XXXX in which Conrad acceptance was who I was to pay for the services of XXXX. Due to the misrepresentation by the Company of XXXX I attempted several times to reach out to the office to cancel this contract within 3 hours of signing and several months thereafter. I refused to pay because I felt the company was breach of contract undergrounds misrepresentation. I have sent several faxes and letters to this company explaining my dissatisfaction with the service with no replies from mail, phone or faxes. Conrad continues to send various attorneys in attempt to collect this debt, a debt I feel and have expressed several times I do not owe. Although the contract I signed, unknowingly states I waive my 3 day " cooling off period '' all circumstances become null and void when services you are paying for are never received. No one could ever be reached to schedule appointments, no one would ever call me back. How is there to be a contractual agreement between XXXX entities when the company you hired is no where to be reached to obtain said services. They took my money and ran. Conrad continues to harass me through attorneys and collection services to obtain funds, I do not owe and I should not have to pay. I have been fighting this since 2009. The contractual obligations were never met by the company and there were no intentions of the company meeting those obligations therefore the contract, once again, is null and void and no money should be due to Conrad Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: American Recovery Service Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted regarding a debt that is not mine. I have no knowledge of this debt or of this company. I request immediate cease and desist of all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Performant Financial Corporation
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Performant Recovery XXXX Inc. has been collecting on my student debt from XXXX for over a year with a set amount of {$63.00} that is automatically taken out of my checking account each month. They have not taking out a payment since XX/XX/2016. So my complaint is that since they have not been taking any money out to pay on my debt it is not getting taken care of. My current amount that is left is {$3800.00}

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 2020-12-30
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I notified the lender of an error of what was being billed in my escrow account. The lender estimated my taxes at twice the amount. Also stated a payment was due to the tax company that did not exist. And also raised my monthly payment. I have spoken with several agents, and members of leadership to work to get this resolved. I also contacted my states county regarding the tax bill and it has been almost 30 days since my request was submitted to the mortgage company and the request has not been completed. When I call the company they feed me different stories and ultimately hang up without resolution.

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 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been in contact with Transunion several times now but there are still accounts that do not belong to me on my report. I called them a few days ago and was told to file a report with the FTC. I am hopeful that this time we can finally resolve this matter.

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