WillisBack/dataset-financial-user-claim huggingface dataset:
After being told I had to provide ACH authorization to get a loan, I was told I was unable to revoke it.

The FDIC and CFPB both state you should be able to revoke an authorization.

This company uses a loophole in Ohio law under a mortgage act to use these deceptive tactics and predatory lending practices. Their interest rates are in excess of what Sate of Ohio lending laws are supposed to provide.

Their true nature is not revealed until after you can not get out of the loan.
I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. ". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week, I found an employee who left her office and looked over my deposit. She said " did you endorse these checks? '' I told her " yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that, I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore, I just wanted a record of how thoughtlessly I was treated that day.
CHASE BANK CLOSED ABOUT MY ACCOUNT B/C I REPORTED TO CFPB THEY HAVE VIOLATED ALL MY CONSUMER RIGHTS NOT LETTING ME HAVE AN ACCOUNT. XXXX I REPORTED THEM ' FROZE MY ACCT
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX.
I have the Rushcard. I 'm sure you are aware to the current issues. I was unable to use my card for transactions since they updated their system over 12 days ago. I was unable to pay for my mail order medication so I was without for 5 days. I was unable to pay an emergency room co-pay because I could n't use my card. I was forced to go the the emergency room because I was unable to get my medicine because I could not use my Rushcard. I called Rushcard was on hold for over an to only be told we do n't know when our system will be working. Then today I received a email from Rushcard telling me they can not locate my account. This is unacceptable
Phoenix Financial Services is attempting to collect a debt not owed. The information as to where the debt is from is false, and the incessant phone calls from different numbers and verbal abuse from collecting agents has bordered on harassment.
On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.
Hi there, it really frustrates me that the credit bureaus report information on our creditbut they are unwilling to take responsibility and accountability for theiractions. I just called Experian and spoke with a rep named XXXX atXXXX. I am a victim of Id theft. Originally Experian list XXXX different socialsecurity numbers on my credit, addresses and a host of collection accounts. 
They ( Experian ) had XXXX collection accounts from a company calledXXXX XXXX XXXX XXXX on my credit. I supplied them with a valid police reportand the accounts were removed then a totally different account from this company appeared witha new account number. I have tried to have the fraudulent/unknownaccount removed and I felt as if I was being ignored so I called and spoke toXXXX today. I am not sure where they found XXXX or what type of trainingshe has but she seems to be very incompetent. 
She advised me that Experian just stores information on our credit and is not responsible for the information being reported the creditor is. She further advised me thatthe original creditor advised Experian to keep the fraudulent account on mycredit. I asked XXXX to provide me with the information of the person orpersons that they spoke to at XXXX XXXX. She said she did not have thatinformation. She said that the information on my credit is being reportedcorrectly. I asked her if that was the case why were there still incorrectspellings of my name on my credit. She said oh those spellings havebeen on your credit since 2007!!! 
She also told me that the fax number I used has not worked in over 2years when that is the same number I used to send over my informationthat she said they had received in XXXX!!! 
XXXX XXXX XXXX XXXX XXXX
tsi a debt collector compay sent me a bill showing that I owe XXXX   dollars regarding unpaid toll fee with XXXX  on XX/XX/2017 ( XXXX  for toll fee and XXXX dollars for debt collector fee ).

I was disagree with this action because I remember I paid the toll fee in cash at that time and I travel to New York once a year and even if this is true that I may owe to XXXX   the amount of XXXX us , I did not reveive anything by mail from.

The debt collector company is trying to make me pay the total amount of XXXX us $ which I dont accept.
North eastern Recovery Services is a Debt Collector they are saying that I owe money from A creditor That is not True They keep calling my Job & Harassing me The person who keeps calling me from XXXX XXXX their phone number XXXX they do owe me money please investigate these scammers thank you for your help
I have spoken with Navient on several occasions. The first time I spoke with a guy and I am assuming he pulled a TLO because he knew who lived in my household. He then told me  Navient will g o after mother and my sister because they are co-signers and they are n't. I have explained to them that I can not afford to pay them {$1100.00} only {$200.00} will go to the principal ... so they did an income expense they see that I barley have {$100.00} left over and they still want me to pay {$350.00}. They call me all the time today they called me twice in the same hour. They want me to pay {$150.00} to refinance the loan and my payments will start over in  XXXX  and I will be back in the {$1100.00} boat. I ca n't afford to prolong the situation.
I have been able to have this fixed by XXXX and XXXX but Equifax refuses to remove it and all they say is the card belongs to me. It does not belong to me. 
I applied for a credit card from XXXX I was turned down. The letter said I had a delinquent account and my credit score dropped XXXX points. I looked at my credit report and saw that an account for a credit card from XXXX XX/XX/2016 had been opened and the max amount had been taken out, but no payments had been made. The account was closed XX/XX/2016. I did not open this account. When I called the credit card company, I was told that the person had my name and Social Security number but a different address I was not told what the address was.
XXXX XXXX {$1900.00} ... this collection Agency has no contract, no valid claim, debt was settled with original creditor which is XXXX ... it is against the F.C.R.A. law ; you can not collect a debt twice ... and XXXX verification is faulty and outdated creditor stated ... litigation will follow for erroneous account and claim ; please remove and do not re-insert ...
I am a single,  XXXX   XXXX -year-old woman. I have lived in my home for 32 years. In  XXXX , I took out a conventional mortgage loan with  XXXX . The loan was supposed to be 5.5 % APR. At closing, I was charged 7.75 % APR and an additional {$18000.00} in fees. In  XXXX  due to a medical condition, I was unable make these much higher payments.   XXXX   XXXX   XXXX   took over the mortgage without my consent or knowledge and began foreclosure. The foreclosure documents I received only included 1/2 of the house on the Deed of Trust and Title, but included a building parcel I own free and clear, instead of the parcel with the other 1/2 of the house. I brought this to   XXXX   XXXX   XXXX   XXXX   attention.   XXXX   XXXX   XXXX   agreed to modify and re-do the loan as a short sale for {$330000.00}. However, they never completed this process and sold the mortgage again without my consent or knowledge to GreenTree. GreenTree began foreclosure without correcting the Deed of Trust or Title. They simply ignored the problem and went to foreclose anyway on the wrong parcel and only half a house. I paid for and completed two loan modifications, first in   XXXX   and again in  XXXX  only to be ignored by GreenTree. Since then I have made payments to the chapter   XXXX   Trustees for several years with the assistance of my attorney   XXXX   XXXX   XXXX  . In  XXXX , I had to file Chapter   XXXX   bankruptcy to stop the foreclosure process, ruining my credit and preventing me from doing business. Can you please help me? The fees and interest accumulated due to this dragging on for years is beyond the reasonable market value of the home. However, we are at a stalemate on who will address and correct the legal problems on the loan.
My credit report included fraudulent student loans that were unpaid. I filed a police report and sent a letter to equifax. ( My information was included in the equifax breach in XX/XX/2017 ) They sent a letter back that says they have investigated and found the loans to be mine. That is ridiculous as the person who took out the loans did not have my current address, my current email or my current phone number. They only had my social security number and old addresses - I found this out when I called each university. I am working to discharge all 3 loans with the universities but equifax should be able to remove these from my credit report in the interim.
THE INFORMATION I AM GETTING FROM MY BILLING STATEMENTS, STATE I AM BEING OVERCHARGE FOR INTEREST ON THE CAR LOAN. ON XX/XX/2017, I BOUGHT A VEHICLE WITH A BALANCE OF {$20000.00}. AT AN INTEREST RATE OF 4.8 PERCENT. I HAVE OWNED THE CAR A TOTAL OF 28 DAYS AND HAVE MADE 2 PAYMENTS OF {$16000.00}. CLEARING IN 19 DAYS AND {$400.00}. IN 6 DAYS. MY INTEREST SHOULD BE AROUND 53.00. NISSAN FIGURES {$16000.00}. {$400.00}. AND {$3600.00}. TO PAY OFF VEHICLE. {$20000.00} - {$20000.00}. = {$72.00}
I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. This check is not in either of my accounts and the funds were not returned to XXXX. I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. call me at XXXX for questions
XXXX and Equifax is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. Equifax was not giving me credit for my mortgage XXXX that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX these credit bureaus are out of hand with this. Please help.
In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. 

I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.
I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever.
the lease with american honda finance was discharged by chapter XXXX on XXXX and they were reporting to XXXX correctly theu XXXX but on XXXX they removed the chapter XXXX discharge and started reporting current late or missed payments, i have disputed with XXXX but they only answer that american honda finance claims that they are reporting correctly and only america honda can make the change no matter what documents i provide such as the chapter XXXX discharge of american finance. i have sent letters to american honda and they never respond. i am in the process of purchasing a home and this is causing a problem
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
A proposed modification agreement offered is not acceptable to us as terms and conditions are not in accordance with the government 's guidelines and parameters in modifying loans. Clauses and terms are vaque and entail more financial troubles forus in the future. Proposal offered was retroactively dated 2014.
I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!
3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone.
I am a XXXX and in XX/XX/XXXX, I applied for and received an American Express Gold Card with no annual fee. In XX/XX/XXXX, I incorporated a second business and spoke to Amex who assured me that if I apply for and receive a second Gold Card, that only the new card will be charged the annual {$170.00} fee, while the original Gold Card will continue with no annual fee. So I have had the XXXX cards, XXXX for each business all these years. On this month 's statement ( XX/XX/XXXX ) for the original card, there now appears a {$170.00} fee. To my knowledge, I did not receive notification nor an alert that this annual fee of {$170.00} would now be charged and that Amex would no longer be honoring the original program I have had for the past 15 years. I called Customer Service and spoke to an agent, XXXX, for over 20 minutes who was not helpful at all, kept repeating over and over that I had been paying a {$95.00} annual fee ( which I had not ) and now I would have to pay {$170.00} and there was absolutely nothing she could do to change that, nor was there any supervisor or another dept. that I could speak to. XXXX said she could not look up any annual fee history for this card. Today I invested another hour, calling customer service, asked for a supervisor, put on hold again, spoke to XXXX the supervisor of customer service who said he would transfer me to their Membership Consulting Services, put on hold until XXXX answered, went through the whole story for a third time only to find out that she was in customer service & would transfer me to their Consulting Svrs, held again until XXXX came on. Explained the whole story again and learned that XXXX can only look back on 10 months of history & insisted that I had been paying a {$120.00} annual fee ( which I had not ). She also was not offering any assistance to the resolution of this problem. While she was speaking to me like I was a new business owner and did not understand my arrangements with Amex, the phone disconnected and she did not call me back, even though she knew she was the fourth person I had explained my story to and had my full account profile visible to her including my phone number. To make any customer invest so much time, be transferred to one person after another, and dodge any business solution with integrity is disrespectful and truly reflects that they do not appreciate customer loyalty, nor acknowledges their accountability when they make an error.