WillisBack/dataset-financial-user-claim huggingface dataset:
Our loan was purchased by Santander Consumer from XXXX and they are saying we opted to skip a whole year worth of payments during the time the loan was with XXXX. We never authorized payments to be skipped and Santander can not provide me with documentation proving we made the authorization. The loan matured in XXXX and continues to accrue late fees and interest. I have making payments but recently lost my job and the remaining balance of {$1500.00} is being deemed due immediately or they will pick up the 2005 XXXX XXXX with no option to work out the remaining {$1500.00} balance. In reality we should have paid the loan in full in XXXX and need proof from Santander that we in fact approved the payments to be skipped.
I AM RECIEVING PHONE CALLS AND EMAILS ABOUT ME OWING A DEBT AND WHICH I DISCOVERED THAT IT TO BE A FRAUD EVENT TO GET MONEY FROM MEFROM ME. THEY ARE GETTING MOST OF THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE THEY KNOW MY BANKING NAME, MY PAST EMPLOYER AND MY SOCIAL SECURITY NUMBER AND I WOULD LIKEFRO ALL THIS TO STOP.
Synchrony Bank, hereinafter  ( " Synchrony '' or " Furhisher '' ) co ntinues to report a " phantom debt '' on my credit reports.  Synchrony admitted  both A ) It has no consumer-signed application for credit on file, an d B ) It has no consumer-signed contract for debt on file. Being that Synchrony failed to respond to Consumer 's Fair Credit Reporting Act ( " FCRA '' ) 623 request with the documentation ( it admits it does not have ). Synchrony can not claim to have sold, transferred, or assigned such phantom debt, because it does not legally exist. The party Synchony claims to have sold said alleged debt to ended up deleting its trade line due to the lack of the same documents requested in the above-identified request. *DIRECT THIS COMPLAINT TO SYNCHRONY BANK ONLY*
My credit was used in a fraudulent transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The date was XX/XX/2019 and the application number is XXXX. The car was XXXX XXXX XXXX. I did not make this purchase.
XXXX XXXX, and XXXX XXXX XXXX continue to report a fraudlent account on my credit files and continue to make threatening phone calls to my mothers home. I have requested for validation and verification but to know avail This is not my debt and they will not even send me any informaiton showing my signuatre ;
My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.
EQUIFAX and Dispute Process Equifax Confirmation # XXXX, I have recently pulled my credit report and identified an unauthorized request to pull my credit which is considered hard hits to my credit report. Needless to say, these hits have reduced my credit score. XXXX XXXX XXXX XXXX XXXX within a six month period pulled my credit report XXXX times without my authorization and then the credit union was sold to XXXX XXXX XXXX XXXX who also pulled my credit report without my permission. I disputed these items with Equifax, and they have stated the records are factual and will not be removed. I inquired as to how they are factual because I did not authorize the pulling of my credit report for either agency. They stated because they have my credit information they can pull my credit report at any time. I questioned this because that means they are saying anyone who has my information can pull my credit and become a hard hit without my authorization and it counts against me. The statement made no sense. I then asked in their re-investigation did they ask the credit union to provide authorization by me to pull my credit report and provide proof from the consumer of this request, should n't I have been notified. Equifax response is they have no control on what is reported, so I asked then what are your investigation if " I '' the consumer is saying it 's authorized and fraudulent. The action seems to be an improper business practice by the credit union and lack of investigation into that accuracy of data from the credit reporting agency Equifax. I have seen marketing soft pulls for my credit which do not affect my credit score, but these multiple requests of my credit report from this agency seem fraudulent and is an attempt to draw to my score even further. I wish to have these unauthorized request removed from my credit report, and the reporting agency revises their investigation practices and further train their employees. Simply stating they have my information causes enough to pull my credit is not a reason to pull it without my signature or authorization or notification to the consumer of such a request.
I called to put extra security on my bank account since someone had all my personal information. Weeks later I called in to see why they had not resent my debit card. Come to find out they had my address wrong ( I have had them resend it a few times and still do n't have it and they have not corrected my address even though I have requested them to every times ). They never put any security on my account that I requested even after asking for it more than a couple times. Every time I call they just say. I 'm sorry. We have no record of that! I have unable to access my account for months
A representative called stating that I have a {$1700.00} balance with them, when in fact that is not true. I have proof that I have been paying my bill on a monthly basis with an agency on behalf of XXXX. I frustrated because they have misleading information about me, and have access to my credit record.
On XXXX XXXX, XXXX, I was the victim of an identity theft. A personal unsecured loan was issued to an unknown individual by Wells Fargo Bank. I notified Wells Fargo Bank of the fraud, and I placed security freezes on my credit report. Wells Fargo failed to properly investigate and they have refused to remove the credit inquiry and trade line from my credit report. I have provided my FTC Identity Theft Report to Wells Fargo, and I have provided additional documentation. However, they have not taken appropriate action nor have they complied with the Fair Credit Reporting Act.
I recently filed a complaint with your organization and received a response from my mortgage company. I do not agree with their findings. In their response letter, they stated in the section titled, Deed In Lieu Denial, " A letter ( copy enclosed ) mailed to you on XXXX XXXX, 2015 advised that you could accept the offer to pursue a Deed in Lieu. '' My letter dated XXXX XXXX, 2015 states, " Based on a review of the information you provided, you have been approved for a Mortgage Release ( Deed in Lieu ). I have contacted XXXX offices for guidance.
ON XX/XX/XXXX FOUND OUT COMPANY WAS REPORTING ME LATE FOR XX/XX/2018 PAYMENT - INACCURATE AND I CALLED AND THEY CONFIRMED. THEY SAID THEY WOULD GET THIS HANDLED. AND I WANTED A LETTER CONFIRMING THIS AND THAT THEY WOULD FIX. I STILL HAVE YET TO RECEIVE THIS LETTER EVEN THOUGH I HAVE CALLED 10 TIMES AND DONE ONLINE CHATS. PROMISING 24-48 HOURS FOR A LETTER. THE LETTER IN WHICH I WOULD USE TO GIVE TO MY MORTGAGE LENDER AS I AM TRYING TO REFINANCE AND THIS IS HOLDING UP THE REFINANCE. I CALLED ON WED AGAIN XXXX AND THEY SAID 24-48 HOURS WHICH IS TODAY AND NOTHING. I NEED THIS FIXED. AS A COURTESY THEY ALSO PROMISED THEY WOULD REMOVE XXXX 'S ( XX/XX/2018 ) LATE.
With the recent news of XXXX XXXX XXXX, I am one out of millions of students that were misrepresented and violated by the school I attended in XXXX, Illinois and on-line. This is is FRAUD!! When XXXX XXXX opened a credit union account in my name without authorization from me, that is unacceptable, on top of all the other things they did. My credit is now shot and over XXXX in debt from this school!
I was contacted by a debt owed. I paid the amount they stated after written notice was recieve in the mail. The representative stated it would not be reported tot he credit bureaus if I made immediate payment, so I made payment as soon as I received an official notice in the mail. After checking my credit statement, I have found they did in face report to all three credit bureaus and even left the mark " Settle from less than owed ''. The original debt is marked as XX/XX/XXXX and I was contacted by them in XXX of XX/XX/XXXX
They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.
SoFi sends monthly mailings to potential customers telling them they are pre-chosen for loans at enticingly low rates ( 8.95 % ) based on their credit history. The word " preapproved '' is all over their emails and website when you begin to apply. Those mailings fraudulently suggest that the customer has merit advantaging them in being actually approved for loans at those rates, and instead SoFi uses an unusual, highly-selective review process that cherry-picks from those preapproved customers who apply based on the advertising of those mailings. 

This practice hurts consumers like myself who are trying to improve their credit. Potential borrowers like myself receive these mailings are enticed to apply because the offer is *apparently* too good to be true, and instead we waste a hard inquiry on our credit report. The substance of my financial position has actually improved since I first started receiving these mailings a year ago, but that had no impact on application. 
Most importantly, when I asked why my loan was denied, I was told by SoFi that it was because I had a missed payment on my credit history. However, I know the date that SoFi made the hard credit inquiry ( once I had submitted my application ), and they came back to me AFTER that Inquiry and asked me to supply more financial documentation not originally asked for in my initial application. I did so. And then they denied my application. So they already knew my Credit History had a blemish and continued to process the application. SoFi 's rep XXXX told me having a missed payment on my credit history automatically precluded me from being approved, but if that was the case, they would n't have asked me to supply additional financial documentation after SoFi was in posession of my full credit history. SoFi 's explanation does not hold up against the evidence and timeline of my application process. 

This leads me to believe SoFi has built a website to automate lending that is falsely advertising and defrauding consumers like myself. 

Received Mailings : XXXX, monthly Reviewed, Began Application : XXXX/XXXX/XXXX Received email from SoFi reaffirming I was " preapproved '' and encouraging me to complete my application : XXXX/XXXX/XXXX Submitted Application : XXXX/XXXX/XXXX Hard Credit Inquiry : XXXX/XXXX/XXXX Asked to submit additional documents to support my application : XXXX/XXXX/XXXX Application denied : XXXX/XXXX/XXXX
Hello, I had a mortgage with Ocwen from XXXX. I filed bankruptcy in XXXX but reaffirmed the mortgage. I was never more than a week or two late on my payments. Ocwen for some reason, by what seems to be mistake, wrote it off of their books as a Charge Back. I continued making payments on time and then sold my home in XXXX. Now I am trying to buy a new home and am having troubles as they are seeing the charge back which should have never took place. I believe I was unfairly treated so they could write it off on their books.
XXXX   XXXX   XXXX   XXXX   continues  to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my   XXXX   report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
I have told XXXX Bank since XXXX XXXX to not call me. In XXXX XXXX they started to call my parents and my husband. They too have also told them to stop calling and in the past week XXXX XXXX > XXXX XXXX XXXX, we have all gotten multiple calls. I do n't know what else to do and was advised by my attorney to file a complaint.
I took a {$550.00} credit builder loan from selflender, in the form of the loan going into a CD, then I recevie the funds when the loan is paid off and the CD matures. When I signed up, it was advertized have access to your money when the loan is paid off, and the CD matures. Well my loan was paid off early, and my CD matured XX/XX/XXXX. I have yet to receive my funds and it is now XX/XX/XXXX.  Ive tried calling and im given the excuse that it takes time to make sure everything has been paid as agreed. Well when I made my last payment on my selflender account online, it told me right away i was paid off, why so much extra time? Problem is, I planned a vehicle purchase around the return of this money to pay my tags on my new car. They come to {$540.00}, I am supposed to receive via ACH direct deposite XXXX.. More than enough to pay my tags. To me, 10 days is more than enough time to receive my funds. But because selflender is playing with my my money like its a game, I am now going to have penalty late fees on my tags, along with having to park my brand new vehicle that I'm making payments on because it can not be legally driven after XX/XX/XXXX, tomorrow.. So now my money I am suppose to receive is not going to be enough to cover tags and penalty fees together, along with not being able to drive a brand new vehicle being paid for by me. I'm loosing money at all angles here because selflender is playing with my money.. Im being told a total of 14days to receive my money. For an ACH direct deposit? Ridiculous. Who is compensating me for this loss? I can take take further legal action if needed.
I have reached out to XXXX XXXX to validate this debt and I was told that there is not any debt owed to them in the amount of {$1100.00}, I have requested that National Credit Systems validates this debt and they have not done so. I am requesting that collection ceases for a debt that is not owed and removed from all three credit buearu 's.
I established an online retail credit account through XXXX XXXX 's website on XXXX/XXXX/XXXX. This was regarding a treadmill purchase. I was financed through XXXX XXXXXXXX XXXX and it was not under the terms advertised under the XXXX XXXX website. I have called XXXX XXXXXXXX XXXX on XXXX recent occasions in XXXX XXXX since receiving my statement. I also followed-up through email directly to XXXX XXXXXXXX XXXX on XXXX/XXXX/XXXX. So far no action has been taken by XXXX or XXXX XXXX. The account that I set-up on the XXXX XXXX website was for 18 months, with no interest. My XXXX  XXXX XXXX account is not showing a 0 % interest rate- as advertised and agreed to. My current APR is showing as 29.99 % which is incorrect. Please see the terms below on the XXXX  XXXX Website. 
" No interest if Paid in Full within 18 Months : To avoid interest, you must pay the full promo balance before the promo period ends. If you do not, we will charge interest from the purchase date at the standard Purchase APR. After the promo period ends, the standard APR also applies to the remaining balance and the charged interest. You are required to make minimum payments, but minimum payments will not pay off the balance on time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum monthly payment and excludes taxes, delivery, or other charges. Limited Time Offer. Regular account terms apply to non-promo purchases. Minimum interest charge : {$1.00}. Standard Purchase APR : 29.99 %. Prior purchases excluded.Account must be in good standing. Subject to credit approval. ''
Two purchases were made with my Bank of America debit card in XX/XX/XXXX totaling {$360.00}. The first, on XX/XX/XXXX, totaled {$160.00} and the second, on XX/XX/XXXX totaled {$200.00}. Both charges were to XXXX. I submitted a claim to Bank of America on XX/XX/XXXX and was initially credited the money back. However when the claim was resolved on XX/XX/XXXX Bank of America determined that I was at fault and took the money back out of my account. I suspect my information was skimmed online off of one of the sites I use for shopping, and Bank of America essentially said that because it did not occur at an ATM, they did not believe me ( and because the amount was not high enough ). They did no original research, including contacting XXXX. 

I called XXXX myself and was able to determine that the address both purchases were shipped to was the same P.O. box in XXXX, Florida, and the representative expressed shock that XXXX 's system would not have flagged the order due to the " sketchy '' address. I have lived only in XXXX and XXXX XXXX within the last 10 years, and have not even visited Florida in many years. I was not able to get this information in writing, however, XXXX said they could release it if I came back with a subpoena. 

I submitted a dispute that same week in XX/XX/XXXX with Bank of America, outlining the new information I had received from XXXX. I was told I would receive an answer within 60 days. Well over 60 days later, on XX/XX/XXXX, I still had not heard any new information from the bank, so I called their fraud department to check in. The only information they were able to give me was that the claim had not been processed yet, but that they would put a note in my file and I could expect to hear again in 60 days. Needless to say, my confidence in their process is low. 

{$360.00} may not sound like a lot of money to some, however I am a full-time graduate student reliant on federal loans and low-paying part-time employment, and it would make a huge difference in my ability to pay rent this month. All else aside, I did not make those purchases, and Bank of America is responsible for protecting me from fraud.
I went to PNC bank on XX/XX/2018 to withdrawal {$500.00} the teller was busy at the time with other things..then she told me there was only {$44.00} left. I said that was impossible. and she told me to move on. checking with my XXXX XXXX account it shows PNC bank is " pending '' to take out {$500.00} thrus showing only a {$44.00} balance. when I went back to the bank on friday the same teller told me to leave. I tried to speak to a Manager and they were to busy.. 
I would like my {$500.00} released asap thank you
Calls made to our home looking for someone who does not live here despite repeated attempts to ask them to stop.
I have federal and private loans with Navient. Never been late in my entire history except for one other date ( aproximently 1 year ago ) and it is because of the very same reason. I pay both loans separately as always. My two XXXX payments were ALL applied to one loan and the other was left unpaid. I changed absolutely nothing in my payment process and was surprised when I got notice of a late fee notice near the end of XXXX. At first I thought it may have been an error on my part, but upon checking with my bank and confirming with Navient this was not the case. Upon my first call on Thursday XXXX XXXX I was told this was going to be taken care of in 24 to 48 hours and they understood the issue. Saturday XXXX XXXX I received a treating call that I was late on my payments. Again I explained the situation and was again told 24 to 48 hours. Next day I called back and was told completely different time frame of XXXX XXXX for the late fee and payment to be corrected. I asked them again to confirm my repayment address and was told contrary information as to the previous. I demanded to speak with a supervisor. He told me my repayment addresses and account # 's etc were correct the vary same way I had originally been doing it. Today is XXXX XXXX and nothing has changed. Who will hold them accountable if they want to do this again next month? and the month after? I work very hard to make my payments even when i was out of work. Upon further inspection it appears they have been taking my extra payments and applying them where ever they see fit and not to where I post them. They pay have to principal and have to interest, is this even legal? I admit this is my fault for not paying closer attention. I feel there is no where to turn to for help. Please watch your loans carefully so that the same does n't happen to you. My loan was initially supposed to be paid off in XXXX after being sold to Navient it is now pushed back to XXXX per all the fees and wrongly applied payments.
JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging report.
Successive communications have inflated balances, higher than original debt. Multiple phone calls after written request not to.
I had filed a previous complaint and listed it as wrong original creditor they werent Speedy Cash but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about Speedy Cash. I attempted to clear this matter with them by filing a dispute through Transunion and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
The original debt was a judgement from XX/XX/XXXX. It was assigned to XXXX XXXX XXXX a year later. During my home purchase in XX/XX/XXXX, escrow reached an agreement with XXXX XXXX XXXX for {$4000.00} and paid the agreed balance as part of escrow. However, they have refused to close out the debt. We recently, XX/XX/XXXX, requested a validation of debt. They validated the debt and showed an increased balance due to interest. They refuse to remove the debt even though it is over seven years old. In addition, they have updated my credit report to show the discharge date in the year XX/XX/XXXX. Lastly, in XX/XX/XXXX we sent court documents verifying the debt is satisfied with the courts and have not received a response.
I extensively researched different credit cards back in XX/XX/XXXX and  finally decided to apply for the Discover It card because everywhere I looked said there was 0 % interest on purchases and balance transfers for something like 18 months, maybe 14. This was written clear as day in all the articles I read, as well as the terms on the actual Discover website. I applied and was so excited to be approved ... In XX/XX/XXXX I put a large purchase on my card and they are now charging me interest. I called the company multiple times and they argued with me saying that you only get the special interest on purchases IF you're approved for that, not when you're approved for the card. I've never experienced something like this and I totally feel like they lied to get me into a credit card with them but never gave me the promotional interest rate as advertised. I read all the fine print and couldn't find anything that says you may not be approved for the 0 % APR on purchases, they're claiming I only was allowed that on balance transfers and I know that's incorrect. I'm currently working on getting a new card to transfer the Discover balance into so I can give my business to somewhere that honors their word. Every card I've ever applied for has given me the intro rate that shows on the application and I thought Discover would be no different. Sorry I was so wrong.
I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.