WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint about Synchrony Financial 's payment rules. I have an account with them for with no interest for a year. I 've been paying my bill 2-3 weeks early. Specifically, my bill is due on the XXXX of every month and I send the payments on the XXXX. However, I noticed that my balance was always more than what I expected. I called and was told that my payments were recognized as a general payment but not as my monthly payment because I was essentially paying too early. For example, I have a bill due on XX/XX/XXXX. I sent a payment onXX/XX/XXXX They 've accepted the payment. However, I still owe a balance for the XX/XX/XXXX. They returned 3 of the late fees but not all of them. In addition, the supervisor was rude.
Santander consumer USA sold their contract to XXXX XXXX XXXX  on XX/XX/XXXX, which makes Santander Consumer no longer the owner of the contract. Santander consumer USA is still reporting that I owe them {$25000.00} which is a fraudulent amount the car was sold at the auction and I never owed {$25000.00}!! they sold the debt and the debt was written off, they are reporting this fraudulent account as open then closed the account is charged off and sold. I sent Santander consumer USA a certified letter on XX/XX/XXXX asking their company to verify the debt and if they no longer own the contract to stop all collection activities! Santander consumer USA never responded to the letter even though they received it! What Santander is doing is illegal and they have violate federal law! I have filed a complaint with the attorneys general office
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information
Called Capital One on XXXX XX/XX/2018 to negotiate payment arrangements on a collection account showing up on my credit report. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX ( Supervisor ) and XXXX ( Supervisor ). I was told that the only payment option that would be accepted is a settlement amount paid in full and that payment arrangements could not be made. The account was in transition to be sold, but not sold yet. I am unable to make any payment arrangements with any collection agency because the account is still with Capital One. I spoke with several people. Finally, XXXX ( XXXX ) stated that he can only accept one payment for full/settled amount but could not accept payment arrangements. Payment arrangements would have to be made to the collection agency but the account was not sold to a collection agency yet. Capital one would not accept my offer of payment arrangements even though the account is still with their company.
I attempted to make my XXXX mortgage payment on XX/XX/XXXX only to discover my mortgage payment was increased without any notification. I contacted XXXX XXXX XXXX XXXX and was informed that I failed to pay my taxes for XXXX. I explained I had a receipt for the XXXX taxes that I paid in XX/XX/XXXX. I was told on teo different phone calls on XX/XX/XXXX and XX/XX/XXXX that the correction would be made. As of today they are still escrowing for taxes. I have a not escrow account as I approval from previous lender to pay my taxes and insurance. I feel Rushmore has violated my rights as a consumer as they did not contact me by phone, e-mail or mail advising or asking about the taxes. I believe i was to be given notice of the payment change at least 15 days or more before the effective change as if this date that still has not happened. I have made the payment at the higher amount because I can't afford to ruin my credit just because Rushmore will not fix the payment to principal and interest only. Rushmore has been very uncooperative and has given me the run around.
It seems unfair that I need to pay to freeze my credit and protect myself when I should be able to trust the big bureaus with my information ( leaked SSN in Equifax breach ). Frustrated to say the least. This seems like something that should be changed in the future.
XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.
i applied for a credit card and i got rejected beacause i have no credit historyif i dont have a credit card then how would i build up my credit history
The account XXXX XXXX XXXX was included in Bankruptcy Ch. XXXX in XXXX XXXX, and was properly discharged in XXXX XXXX through the bankruptcy plan. It has been over 7 years since the account was first reported " charged off '' in XXXX XXXX to Experian. The account was suppose to be removed in XXXX XXXX. However, it still remains on my credit report and states that it will not be removed until XXXX XXXX. I tried to upload additional documents proving that this account was included in Bankruptcy and was properly discharged. However, Experian failed my upload process ( I have tried several times ), and I was unable to upload the documents. Experian also denied me my right to dispute this account again with additional documents. Attached are the proof that the account was included in bankruptcy plan and the bankruptcy discharge order signed by the federal judge. Also I am submitting here a copy of my credit report from Experian from XXXX, stating the correct date when the account was to be removed from my credit report. As of right now, the Experian incorrectly reflects the date of XXXX XXXX as the date when XXXX account was included in Bankruptcy. I would like for Experian to remove this account as soon as possible from my credit history because it has been over 7 years since the first time the account was reported delinquent. Experian actions are detrimental to my ability to obtain new credit on the favorable terms. I will have no choice but to resort to legal actions, if Experian does not remove this XXXX account from my credit report immediately.
in XXXX XXXX I took out a loan for the sole purpose of increasing my XXXX XXXX. XXXX XXXX reported that my transunion score was XXXX. I received my loan, and made all payments early and have currently paid back over 80 %. I have 0 derogatory marks on my credit and a payment history on my home loan that is XXXX yrs and paid 78 % of the loan. in XXXX Transunion reduced my score XXXX points to XXXX reported on XXXX XXXX with no explanation why. It is commonly known that a score will drop when getting a new loan but this customarily well known to be similar to 10 points. I only had 1 inquiry, related to this loan, and is the only inquiry on record in many years. I have since paid this loan to over 80 % paid, but have only seen an increase of 7 points. I contacted the company on 2 occasions a few weeks ago for an explanation, even contacted the BBB and filed a complaint. The company response gave no answer as why the large decline and only offered every generic explanation that no one individual could possibly explain why the decline. The BBB closed the case. I might add that during this same time XXXX increased my credit score in XXXX by XXXX points with no decline. By taking out a loan to improve my score, Transunion has reduced my score by XXXX points bringing me from a good rating to a mid fair rating.
So Im told because XXXX did not receive my " recertification '' letter weeks after they told me to submit it, I 'm being penalized and my payment went up from {$150.00} to {$950.00}. I have paid XXXX a total of {$10000.00} since inception and my balance has not moved but instead went up to {$68000.00}. These people are loan sharks. As a veteran of the United States XXXX I 'm appalled and disillusioned at how this nation handles student loans. Im 43 days and in risk of being reported to the bureaus. I have sent them a check via registered mail this past week for {$160.00}. I plan to make the rest soon but Im afraid that they will report me making my situation worse than it is. I have worked for XXXX XXXX XXXX until recently but can not any longer especially after just finding out the program might phase out. XXXX is very unforgiving and preys upon the military. I want to ask you for help before I seek legal assistance. We are given five days to submit recertification documents which will never get processed on time due to staff shortages. So in essence people will default and the excuse will be " we never received your recertification letter on time. '' Im urging YOU to please help, this can be your son or daughter in the same predicament. XXXX is thriving hoping that students will keep their mouth shut and continue making payments. I will take this as far as I can to my legislators and senators and bring proof to them in form of payment receipts that what they 're doing is illegal.
We have had a car loan with PNC Bank for 7 years. We did XXXX extensions during the life of the loan. During this time period my husband lost part of his pay. We have been playing catch-up for a few years now. With the last payment that we had with PNC, the amount of the XXXX extensions was added in. We were sent a bill of {$2600.00}. We paid the {$640.00} on XXXX XXXX, the payment was due on XXXX XXXX, which left an amount of {$2000.00}, I talked with them because we did not have {$2000.00} to give them. On XXXX XXXX, we received a late notice on the {$2000.00} for the amount of {$200.00}. We were able to pay them {$600.00} on the XXXX. I have called them to ask them why such a large late payment. The answer was that it was late, I asked if there could be a reduction to that late charge but I was told that there was nothing that could be done. I then asked for the payoff as of XXXX XXXX and for them to send me the contract. I know that a profit will be made but {$200.00} on {$2000.00} is robbery. It is my hope that this will start a class action suit against such horrible practices.
I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX XXXX, XXXX   XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response
On XX/XX/XXXX, I purchased a XXXX queen-sized mattress from Macy 's in the XXXX in XXXX, VA for {$1500.00}. This purchase was part of a special promotion that was interest-free for 24 months. However, in my XX/XX/XXXX statement, Macy 's charged me {$31.00} in interest. I contacted Macy 's consumer line ( XXXX ) to bring this to their attention, and was informed that this was an error and that it would be corrected and the {$31.00} would be credited to my account. I received a letter from Macy 's dated XX/XX/XXXX also noting this. 

Unfortunately, when I received the statement for the XX/XX/XXXX payment, I noticed that not only had the {$31.00} not been credited, but I was still being charged interest, this time in the amount of {$28.00}. On XX/XX/XXXX, I again contacted Macy 's on the phone and was told that this would be corrected. I spoke with " XXXX '' ( id # XXXX ) and was again assured that the wrongly charged interest, now in the amount of {$60.00}, would be credited to my account and that interest would no longer be charged. 

I am now contacting you in the hope that you can help with this matter, and I do not have confidence in Macy 's accurately fixing my account and refunding me the money it has erroneously charged me.
I opened a personal loan with  One Main Financial  in early  2017 . I reviewed my credit reports earlier and noticed tha t One Main lis ted   XXXX  s eparate accounts on my  XXXX  and   XXXX   credit report s. One  of the account listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wa nt  XXXX   accounts listed on my credit report.
There is a item on my credit report that i have been disputing since XX/XX/2017. Creditor is XXXX. I paid this account in full on XX/XX/2017. I have called equifax on several occasions trying to get this information updated. I have also submitted proof of payment to equifax and the creditor still can come back and tell equifax that account verified and the balance is still XXXX which is the amount i paid in full. I am getting nowhere with this issue. I need for equifax to update my credit file to the correct balance which is XXXX.
I was threatened that they would take service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took legal action and was forced into a Bankruptcy..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket.
Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, Experian, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Public record State tax lien and Bankruptcy ( yr XX/XX/XXXX ), was disputed and previously deleted, and now on XX/XX/XXXX, a reinserted public record for the same state tax lien and banruptcy has been added to my credit report FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification
I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.
Chase Bank is engaging in fraud and negligence. They are refusing to open an investigation in a check fraud matter. After several months of complaints with them, they claim the check was cashed at XXXX Bank and is now telling me to call all XXXX Banks in search of who cashed my check. I contacted XXXX Bank headquarters and they said, they will NOT give me any information concerning the check until Chase Bank opens a fraud investigation. Chase Bank refuses to open a fraud investigation because they know it will prove that the check was cashed by an unauthorized party. XXXX Bank is willing to cooperate, but Chase Bank is unwilling to do the same. Chase Bank is angry with me for pulling the bulk of my money out of their bank. I did so because they are completely negligent. Chase Bank is engaging in retaliation and is breaching their fiduciary duty. Chase Bank habitually fails to protect clients, Even if I wanted to sue the party who cashed the check, I ca n't because without the investigation, I ca n't confirm who the party is. Chase should be forced by the banking industry to open an investigation. Chase is engaging and encouraging fraud, because they are aware that the person who cashed the check ca n't be verified. This is a banking industry issue because Chase Bank is engaging in numerous violations of banking laws. Chase has refused several times to respond to my complaints, and are probably NOT READING THE COMPLAINTS. This is not about a XXXX dollar banking refusing to refund a couple of XXXX dollars. This is about Chase Bank bullying their customers without repercussions. They should be sanctioned for failing to cooperate, and acting in concert with fraudulent activities. I want a full refund from Chase Bank because the culpability is on them for refusing to cooperate and open an investigation with XXXX Bank ( or the correct bank ) who is also involved in this matter.
I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the XXXX week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last XXXX emails in the last 10 days. I want my lower rate now!!
I have paid my installment loan of {$660.00} to Avant two weeks before my due date of the first of the month. I clearly note on my payment check indicating the due date which the payment is to applied. It has been Avant policy to not accept my payment for due date indicated on my check. Avant insist that the payment it receives is extra payment. Therefore, my account is past due which incurs monthly late payment charge. The Avant response that I received is there account system does n't recognize my early payment. I should call there office monthly to notify there customer service representative that I have mailed my payment early. I strong feel that Avant penalize me make early payments on my account.
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, Equifax and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.
I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. 
When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. 
I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. 
Please help me Sincerely XXXX
On XX/XX/2018 I transfer {$450.00} via XXXX ( ref. # XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX ( XXXX ) XXXX, XXXX passport number XXXX to buy flight tickets, after I paid her I wasnt able to contact her anymore. I contact my bank Wells Fargo and they said theres nothing they can do about it once I paid via XXXX and it can not be cancelled.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Mississippi speeding ticket was paid for and needs to be taken off my driving record!!! 
I dont live in LA! Failed to appear in LA for trail/court, this one I have no idea about. I called Louisiana Sherrif department and they have no knowledge of why this would be on my record.