WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017, I contacted Quicken Loans to understand if I could do a cash-out refinance on my primary residence, which at that time I had owned for eight months. I wanted to get a quote from them, given that I had already gotten a quote from a local lender in the state of Washington. 

I initially talked to XXXX XXXX on the phone, Senior Mortgage Banker, and told them that I had already done my research about cash out refi Jumbo Loans. Specifically, I told him that other lenders that I had previously contacted wouldn't offer me that product since I had to have ownership of the property for at least one year. Apparently, this was not a black and white rule, and different lenders had different policies. 

XXXX XXXX XXXX told me that I was perfectly eligible for a Jumbo Loan cash out refinance, and the fact that I had lived in the property for eight months was not a problem. Once he said that, I decided to proceed and move forward. Long story short, this ended up being a nightmare and a waste of time. About three weeks after I applied, another employee from Quicken Loans told me that I wasn't eligible for the cash out Jumbo loan refinance. 

I ended up getting my refund for the application fee and the appraisal. However, I still have at least three hard inquiries on my credit report ( see list below ) that I would like to be removed since this company 's practices were deceptive at best. 

XXXX XXXX : XX/XX/2017 XXXX XXXX : XX/XX/2017 XXXX XXXX XXXX : XX/XX/2017
I have complained about this issue before but it falls on deaf ears. I am attempting to pay down a balance transfer on my credit card but the payments that I am making are not being allocated to my account and are " disappearing ''. I was told that I could pay off the balance transfer fee at any time so I have sent in XXXX seperate payments just in XXXX alone to try to pay off all my interest bearing purchases and the balance transfer fee so that all that remained was the zero interest balance transfer. When I send in the payment amount that I am told to pay to pay off those purchases and transfer fee, the payments never get applied. I want everyone who reads this that this offer is nothing but a scam and that anyone who attempts to pay down their balance transfer will never get it paid off since payments mysteriously disappear and are not applied to the account. I have a friend who works in the banking industry and has put me in contact with the Securities and Exchange Commission as well as the Federal Reserve. They as well as my attorney are very interested in this illegal activity.
In XX/XX/XXXX I cosigned a loan with Lloyd 's Plan in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.
I have submitted paperwork several times and keep getting asked for the same things. Attached is a name affidavit, the letter for the name, hud-1, and the utility bill with correct name and address. Please let me know what else is missing the Buyer is getting impatient and this is taking forever to get an approval letter.
I sold an XXXX XXXX on eBay to a buyer in XXXX. I used eBay 's recommended shipping method of USPS first class mail. The funds were transferred to my PayPal account from the buyer. PayPal then released the funds to me after 3 weeks, but before the package had been listed as delivered. The phone was said to have arrived in XXXX, XXXX 5 days after I sent it from XXXX and there is no other tracking information available. The buyer then claimed to have never gotten the phone and filed a complaint with eBay and PayPal. I contacted eBay about the complaint and they granted an additional 15 days before hearing the case. 8 days after that, PayPal went ahead with the case and ruled in favor of the buyer. They refunded him the {$190.00} he paid and now I owe them that because the released funds had already been transferred to my bank. I contacted the very rude customer service reps at PayPal and they said it 's their standard policy to side with the buyer, but lots of scammers come from that area of the world. After talking a supervisor with customer service he said " sorry, that sucks '' when I asked for my money to be refunded since they allowed it to be effectively stolen from me. I also called eBay who told me there was nothing they could do besides investigate the account but it was " probably created for this purpose. '' I now owe PayPal {$190.00} and do not have the phone because they allowed funds to be transferred to the bank before delivery had been completed.
Continue attempts to collect on debt that i never made.. i told them it was not mine and they persist on attempts and add more charges.. that are also not mine ... they keep bringing my credit score down and attempt to bully me in yo paying this debt i do not owe..
This is mostly FYI, so something can be done to force changes that will fix a bigger issue with this company. 

Chase Credit Cards have a " leak '' in their email system which causes emails for a credit card to go to an email different than the one on file. 

This is an issue I have dealt with since Chase took over XXXX XXXX accounts. That is almost 10 years! 

The latest issue involves two different credit cards [ both business cards ], one is a brand new card we had to apply for after a year and a half of no resolution from Chase for the same issue. 

Issue : Brand new card, went online, setup new login for new card, set up new alerts for new card. Not getting alerts. Went digging, found all the card alerts in a COMPLETELY DIFFERENT email account. Called Chase, verified the email on file for alerts, told them the alerts are not going there. Told them to remove any other emails associated with that card and that card 's alerts. They are working on. 

Had the same problem with previous business credit card from Chase. After a year and a half of trying to get resolved, we finally had to just close the credit card and apply for a new card. 

Have the same problem with another credit card for a different business. This week had to call to cleanup the information I was seeing on line but could not edit. They had to edit from their end [ for items I should have been able to edit myself ]. They had to completely remove an old credit card that had been a XXXX XXXX card that had been closed for years and should not have even still been in the system. Then they had to update emails, phone numbers, etc. Then they said it would take 24 hours for the system to update and to call them back if still problems. A few days later I went back in, setup the alerts with the correct email and got " Alert Activation '' emails to THREE different emails. I only used ONE! Had to call back to have them explain why their system is sending to three different emails when TWO of those emails are not even in their system any more. Still waiting for a resolution. 

I would have hoped that with new cards, this issue would be resolved. Nope! 

Someone needs to go into Chase and make them cleanup their systems to resolve this problem. Surely I am not the only one that has email notifications going to the wrong emails, and I have had this issue on at least 5 different cards. At one point, we made an email change online and received an email verification with a DIFFERENT BUSINESS name than ours. There is a huge association error inside Chase credit card systems.
I have consulted with attorney regarding medical hardship. Submitted several court XXXX documents and letter. Company is fully aware. XXXX treatments failed. Can no longer pay debts. Have no collateral, etc. Attorney directed me to send documents so options are available for company to write off debt due to medical hardship. Company still showing late payments. Never was late, always paid my debts. No one asks for XXXX. Asking for info be removed from credit report.
Around XXXX, I received XXXX credit card offers under my company name XXXX XXXX XXXX from Chase Financial Services. As I was president of the corporation, the cards was in my name as well as the corporations name. All purchases on the cards were company related purchases. No purchases were ever made by me for anything personal. As a result of the financial crises beginning in XXXX, my company, which had been in business for XXXX years ( XXXX ) went bankrupt. Chapter XXXX was granted in XXXX and company was taken over by the trustee. All creditors were notified and released me of debts except for Chase. Chase claims I am personally responsible for the corporate debt even though I never signed any personal guarantees. I have requested over the past several years for them to provide me something, anything, indicating that I have agreed to personal liability. They have refused. What they have done is ruin my credit, increased my borrowing costs and limited my financing options. Please help
from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector.

2. You respond to the summons and show up in court. You demand proof that you owe the debt.

3. The collection agency requests time to come up with proof.

4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX
for the past 4 months this caller has been calling me to collect a debt, we agreed upon a monthly payment plan and i have continued to do so. This caller keeps harassing me during work hours and at nights requesting that the debt be paid in full. I received a letter from them and agreed with the written monthly repayment plan, i shouldn't continuously be called and harassed to make a payment in full when i am on a balance repayment plan.
On XXXX XXXX, I sent a request to Trans Union asking them to investigate errors on my credit report. Over 30 days have passed, and I have not received a response from their organization.
This bank charged me 3 overdraft fees when I only should've been charged one for the {$80.00} ATM withdrawal. I had two pending transactions totaling less than {$4.00}, the money had already been removed from my account it just hadn't been posted but they charged me overdraft fees for both transactions when they posted. How were there insufficient funds when the money was already removed from the account? No other bank does this. They also reorder transactions to trigger as many fees as possible. I've seen numerous complaints about this bank doing that. I've tried to resolve it 3 times now and they won't do anything it's ridiculous.
The following is a summary of actions between me and WINN LAW GROUP , APC.     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.
On XXXX XXXX, 2016 I submitted a letter to Experian Credit Bureau as to why they were not releasing my credit information to prospective lenders that use their bureau. No reply other than they sent me my credit report. Unfortunately, for some unknown reasons I am unable to get them to remove the credit reporting freeze they have on my account unless I am a member. I feel their actions has created an unjust situation and my credit report should not be held hostage! There should be no need for them to hold this report hostage. 

I even went on their web site in hopes of resolving this as well as calling their landline telephone number by unable to communicate with a human -- only get robotic messages!
Attn : Consumer Financial Protection Bureau Re : Big Picture Loans I am an XXXX XXXX at our local XXXX XXXX. I am writing to complain about Big Picture Loans a payday loan company. My mistake was that I took a loan of {$1500.00} from the company ( in XX/XX/XXXX ), which I planned to pay off within a month. Unfortunately, I was hit by a severe financial set back - some of the XXXX I was scheduled to XXXX this semester were cancelled and my income slumped significantly. 

My intention was to pay back the loan within one month using half of the income I would make from XXXX these XXXX. But because these XXXX were cancelled, I could no longer afford the minimum payment that Big Picture Loans charges me every two weeks. I immediately contacted Big Picture Loans customer service via both email and phone and explained my situation to them. I then requested for a payment plan of {$50.00} a month till my loan with them is paid off. I also implored them to discontinue charging further interest to my loan since I could hardly afford to pay the interest I can afford to pay {$50.00} per month but if they continue to charge interest on it, my monthly {$50.00} payment will not make a dent on the loan, which means that it can balloon to a high level that I will never be able to pay off. The person I spoke to when I called Big Picture Loan emailed me a hardship form to complete. I completed the form, explaining my financial situation to the company. They responded but told me that my request is denied. Heres a copy of their response to me : Bigpictureloans Support <XXXX> XX/XX/XXXX at XXXX XXXX Dear XXX Thank you for your communication. At this time, we are unable to provide a payment plan. However, you can make your next scheduled payment for a lower amount. 
There are few things you should keep in mind before we proceed with your request. 
The finance charges of your loan are accrued daily. When you pay less than the scheduled payment, you will pay additional finance charges because the unpaid principal amount remains the same for a longer period than the one in the Payment Schedule of your loan agreement and you may also incur late fees. 
Paying a lower amount will not alter your original scheduled payment amounts or dates as set forth in your loan agreement. Your final payment will include the additional finance charges accrued since those are applied to the end of your loan agreement. Your following payments will first be applied to any past due balance, then to any fees and finally to the current due amount. 
To bring your account current, you will have to make additional payments which can be done at any time. 

*Your next payment is due on XX/XX/XXXX for {$260.00}. 

The address to send your payments is as follows : Big Picture Loans XXXX. XXXX XXXX XXXX, MI XXXX Thank you, Customer Support Big Picture Loans XXXX At the moment I can hardly afford to pay my rent and other bills. Please, I need your help in this matter. Is there a way you can convince Big Picture Loans to approve my request? I am eagerly awaiting your response. 

Sincerely,
XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX  and Equifax and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX XXXX XXXX.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY LEG WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
My with Aurora Loan XXXX was scheduled to be service released to Nationstar on XXXX/XXXX/12. Instead, my home sold ( closed escrow ) on XXXX/XXXX/12. Despite this, Nationstar continues to report that I had a loan with them ( even though the Aurora Loan XXXX record is still reflected on my credit ), and they reported that my account began with them on XXXX/XXXX/12 and was derogatory. They continue to show this on all credit bureaus despite the fact that I 've contested it and shown them that they did not even have servicing at any time.
o Payments are not posted or frequently not posted in a timely manner. Examples : Payment for XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX, XX/XX/XXXX post marked XX/XX/XXXX was not deposited and had not cleared XXXX by XX/XX/XXXX. 
Billing statement dated XX/XX/XXXX with due date XX/XX/XXXX indicated {$4000.00} due. 
Late fees were added on the billing statement dated XX/XX/XXXX with due date of XX/XX/XXXX. 

o Sent a Compliant letter dated XXXX XX/XX/XXXX. Rec 'd a response & printout. Payments posted on the printout do not commensurate with billing statements received. Some months had multiple payments posted. Multiple payments were not made. 

o Receives multiple monthly billing statements : Example : billing statements dated XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; and XX/XX/XXXX with payment due XX/XX/XXXX. 

o Ditech Mortgage sent a representative to my home on two different occasions.
Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result '' .Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
On XXXX XXXX 2017 I recieved an alert from my experian credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!
onXX/XX/I sent experian through certified mail ( see attached file ) my complaint regarding unverified accounts on my credit report ( see attached file ) there response did not address the issue instead they ignored my request and responded with an a erroneous reply ( See attached file ) I am filing this complaint because they have purposefully made it impossible to reach anyone on the phone and ignore written complaints that clearly on the face of the document can not be ignored or misunderstood. I would like the accounts to be verified or removed from my credit as stated in the complaint.
We purchased a vehicle from a local XXXX dealer and the finance manager arranged for financing through Wells Fargo ( we were not given an option as to who would carry the financing, we were just told that the deal was done through Wells Fargo ). When we received our first statement, I noticed that some information was missing from the statement because I have been purchasing cars for several decades and I am familiar with what is normally included on a car loan statement. Specifically, the interest rate and application of payments ( e.g. how much of each payment is applied to interest and how much to principal ). With this information missing from each statement, we feel that we are being set up for future fraud. We have had numerous instances in the past where we have been defrauded by Wells Fargo but just never filed a claim but because of the size of the car loan being greater than {$20000.00} we are afraid that we are being set up. Calls to Wells Fargo, your organization ( CFPB ), the New Jersey Division of Consumer Affairs, and the Federal Trade Commission have been received with nothing but resistance, incompetence, and/or ambivalence. As a result, there 's no question in my mind why Wells Fargo feels they can break the law with abandon. This used to be a country that was ruled by law. Today it seems it has become a country that is ruled by whoever has the most money. That 's not a political opinion, that 's a statement based on nothing but fact.
THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; XXXX PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP )
After reviewing my credit report I found out some old inquiries and acct been added please review this issue this is against the law my credit score drop after been working on this and ready to buy a house.