BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
1. I had a HELOC from XXXX XXXX XXXX that reached it's end of drawdown period on XX/XX/XXXX. The XXXX account number is XXXX 2. I owe approximately {$20000.00} on the HELOC. 


3. The HELOC was subsequently sold to Specialized Loan Servicing. The account number is XXXX. 


4. The payment amount due after the drawdown period ended ( the Second Payment Stream ) according to the signed Loan Agreement, dated XX/XX/XXXX, and the Transfer Letter from XXXX, dated XX/XX/XXXX, was to be 1.5 % of the outstanding amount per month which includes principal and interest. 


5. I confirmed that the monthly payment of 1.5 % would include principal and interest with a loan servicer at XXXX named XXXX on or about XX/XX/XXXX. She, in turn, confirmed that with XXXX XXXX XXXX 's legal department. 


6. The loan servicer at XXXX XXXX Mortgage also said that XXXX has historically and always calculated the monthly payment due after the drawdown period ends for interest and principal as 1.5 % of the outstanding amount. 


7. Interest on this HELOC is pegged to the prime rate, currently 5.5 % per annum. On the outstanding balance of {$20000.00} that comes to {$3.00} per diem, or {$96.00} on a 31 day month. 


8. At 1.5 %, the monthly payment on {$20000.00} would total {$300.00}. The interest breakout would be {$96.00} and the principal amount would be {$210.00}. 


9. Specialized Loan Servicing, the new owner of the loan, unilaterally changed the terms of the Agreement. 


10. Specialized Loan Servicing is now demanding that I pay 1.5 % of the principal due each month PLUS interest. 


11. Thus, the monthly payment according to Specialized Loan Servicing would be {$300.00} PLUS interest of {$96.00} for a total payment due of {$400.00}. 


12. This would be {$96.00} more per month due, creating an onerous additional payment and abrogating the original signed contract ( the Agreement ) and Transfer Letter.

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 2022-10-26
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unfortunately, the collection Agency ConServe XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Sent me into collection, which I believe was unfair, with all due respect, allow me explain what happened : I was registered in XXXX XXXX XXXX from XXXX  online classes during the pandemic time in XXXX, but I never actually got to attend any of the classes at XXXX XXXX and decided to go to XXXX XXXX XXXX instead because it was closer to my house. I felt XXXX XXXX was a better fit for me. In this time I was living in XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX XXXX sent a laptop and I called the college because I wanted to return the laptop but they didnt accept it. They told me I have to pay for the laptop. 


In this time my single mother had financial hardships, with her being a XXXX XXXX and her XXXX  was closed for COVID-19, also with reduced hours and myself not working also. We absolutely didnt refuse to pay the laptop It was just the circumstances, those times were uncertain and fearful. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. schools closed, businesses closed, many people losing their jobs, houses and their loved ones, The pandemic was a very difficult time. My mom did not stop paying the rent, electricity, water and food. quarantine was two months and it lasted much longer. We don't know how we have survived those difficult times we had during the pandemic. 

I started working last year of XXXX in XXXX and I was finally able to pay the laptop. The laptop is now paid for in full at this moment. My mom called the collection agency and told them that we were going to pay the full amount, with the condition that they remove my name from the 3 agencies ( XXXX, XXXX and XXXX ) and they accepted, but my name still there. My mother and I, are extremely responsible people, and we know the importance of making payments on time, my mother has achieved a good credit score.

Please, I beg you, if you would be willing to make a goodwill gesture and remove the Collection from my credit report. Because it is affecting me, having a better line of credit, applying to rent an apartment and car.

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with any company.

Thank you for your consideration and time,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently noticed that large payments were being taken from my checking account the last few months from a " MR COOPER '' and thought it I had identity theft. After further research I found out what Mr Cooper is. My normal monthly mortgage payment with XXXX Bank was {$590.00}. I found that beginning XX/XX/XXXX Mr. Cooper began withdrawing {$590.00} then in XXXX they began withdrawing {$790.00}. The only reason I noticed this was thru my bank statement as I have always paid my mortgage paperless with monthly auto draft thru my checking account. 
I called XXXX XXXX company 4 times to get this resolved & supplied them with proof of insurance and continuous coverage. Most recently XX/XX/XXXX speaking to a XXXX XXXX in the escrow department. I explained my concern and he told me my case has gone thru the research department and the decision remains and I can contact whoever I want but it wont be overturned nor will I receive any refund. He also told me that 4 CERTIFIED pieces of mail have been sent to me. I have NEVER received a certified piece of mail nor signed for anything from Mr Cooper. He didnt want to give me his supervisor name, saying that I wouldnt reach him anyway, as he was out of office and they dont have voice mail. 
The letter I received dated XX/XX/XXXX states our records indicate a lapse in coverage between XXXX and XXXX. This is absolutely incorrect and I have provided proof that I made a payment for the entire year! Payment of {$1000.00} was received XX/XX/XXXX which paid for the 1 year renewal thru XX/XX/XXXX! I also have renewed since this time and provided them proof of continuous coverage and declaration pages of my insurance thru XX/XX/XXXX. 
I am requesting a refund for the overpayments. My insurance company has provided proof of payment and continuous coverage however Mr Cooper refuses to fix this and continues to draft out an additional {$190.00} monthly. This is DUPLICATE coverage!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX have reported incorrect information on my credit report for account XXXX XXXX. it is affecting my credit to the point I can not get a job or purchase a home Account details about worst payment status of XXXX days late is inaccurate on my XXXX report XXXX Equifax report is reflecting the same thing which is derogatory and affecting my credit as well. I have mailed in custody papers showing I have custody of my child. I have requested validation of the account. I have requested a copy with my signature on it showing where there is a signed agreement between me and this company. I have requested documentation that I gave permission for this account to be reported to the credit bureaus. 

I have also disputed inquiries on both reports ( XXXX and Equifax ) that I do not even have active accounts for that were done fraudently in my name and Equifax and XXXX refused to remove them from my credit reports They have refused every single request and have not provided me with anything I have put in writing sent to them certified along with my identifications to verify I am who I say I am as well. 

Due to them violating my rights, I have ben refused jobs and now I am being refused purchasing of a home because of this. I am attaching my current XXXX report because it is not on my report and the other two credit reports should reflect the same as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: I.C. System, Inc.
State: CA
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 was never notified of this alleged debt, this collection agency I C SYSTEM INC Original Creditor XXXX XXXX XXXX Date Opened XX/XX/2021 is illegally reporting an unsubstantiated debt and never provided proper notice before reporting

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 2022-03-30
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a complaint against my mortgage company : Nationstar ( Mr. Cooper ) XXXX. # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. # XXXX. 
My former mortgage company, XXXX XXXX transferred my loan as of XXXX. of XX/XX/XXXX to Mr. Cooper. My last payment of {$840.00} ( principal {$350.00} & interest of {$490.00} ) was made on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX I made my first payment of same amount to Mr. Cooper for the month of XX/XX/XXXX. My next payment for the same amount was made on XX/XX/XXXX for the month of XX/XX/XXXX. All of these transaction was made through my XXXX XXXX XXXX, I have the monthly bank statements. 
At the end of XXXX we decided to payoff the mortgage, a wire transfer was made on XX/XX/XXXX to Mr. Cooper for the amount of {$190000.00}. I noticed that they have added a full month of interest to the payoff amount. I questioned this added interest and I was told that their accounting people will sort through and I will be reimbursed. 
The only reimbursed amount I received is {$110.00}, I think they owe me the balance of {$370.00}. I have paid fully ( P & I ) for the months of XXXX and XX/XX/XXXX. 
I have contacted Mr. Cooper 's office with no result. 
I greatly appreciate your help in this matter. 
The Loan # is XXXX My address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX My Tel. # XXXX My email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB

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 2022-09-23
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2022 I mailed letters to Experian, XXXX and XXXX. Here is my tracking : Experian : XXXX XXXX : XXXX XXXX : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the XXXX data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-26
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my Third complaint : please reference XXXX & XXXX. 

Chase closed my checking account because of failure to validate the validity of 2 out of 3 checks Deposited.

I was told by Chase support that the Issuer of the checks needs to place a stop payment. I am being told by XXXX XXXX  & XXXX XXXX XXXX XXXX that they can not place a stop payment on a check for which the funds have been transferred. The checks cleared the issuing bank so i am being told its out of there hands. 

This nightmare started in XXXX. I have not been able to get any help from chase. 
I wait for 20/30 mins every time i call the support number only to be told the same Information. I walked into a chase branch and was told by the branch manager that this is a common occurrence and I should save my self the time and aggravation and consider it a loss and move On. 

I am suffering considerably as this Drags on. I was late with my rent for XXXX, I used my XXXX checks to catch up with my rent. Tomorrow is XXXX and i dont have my rent money at all. I will be fined XXXX dollars for everyday it is late after the first 5 days. 
I may not be able to pay my rent until the third week of XXXX which means i will have to pay an extra XXXX dollars. I have put XXXX XXXX  i had planned on hold because now that i lost what inessentially totals 3 weeks of my labor things are just going down hill. I am being charged late fee, My credit score is going to be effected.

i have not made my child support payments, If i am more then 90 days in the rears they may suspend my drivers license if that happens i will lose my Job.

I dont know what else to do or to say. I desperately need assistant in having my money returned to me. Chase is ruining my Life and the worse part is Chase does this with impunity to Thousands of middle class and poor people. There are stories online about chase doing the same thing. The branch manager i spoke to admitted he has people come in on a regular basis and all he can do is refer them to the same support number that does not help at all. 

Please i know XXXX dollars is not a large sum of money but i need it so terribly bad. 
I didnt realize how quickly things spiral out of control. I have heard stories of 1 emergency destroying a persons life because of a small debt. Now im living it and i cant find anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-10-26
Company: SYNCHRONY FINANCIAL
State: VA
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:
3 months ago contacted PayPal and they said there was nothing negative on my account for it to show up on credit score

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 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a payment on XX/XX/XXXX in the amount of {$200.00} to settle the account. The confirmation e-mail I received clearly states that the amount settles my balance. Yet, Capital One is reporting I still have a balance of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also contacted the furnisher and they agreed to REPAIR the account in my file. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX

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