WillisBack/dataset-financial-user-claim huggingface dataset:
I have applied to PNC to re-do my loan mod as it adjusted and I can not afford the payment. I originally faxed it and they said they did not get it, however, i had fax status. I then faxed and overnight mail, they still said they did not get and asked again. I have been sending things each time and they waut until after the due date and send me letter saying the did not get. they now sent me to foreclosure atty and I called them. they now say since its past the XXXX of XXXX i need to send tax returns for 2014. I called again and got a girl on phone and she was very rude and made me feel like trash for needing help. She compared my cell bill to hers saying mine should not be what it is because hers was not that much and I should be able to pay as I make good money and she told me how to manage my money and so on. My mtg pmt takes up XXXX whole check and I only get XXXX per month. Sometimes it takes more than XXXX check. They keep giving me the run around meanwhile I am getting ready to get foreclosure papers served on me and I ma doing everything they tell me to do. Each time I call i get a different person telling me different things and I really need help. I am in hopes that you guys will be able to help me. Thank you
The issue here is with Chase financial. The loan was originally placed in bankruptcy chapter XXXX which was dismissed XX/XX/XXXX and then I was told that they remodified the account and to pay x amount. I paid the account for 11 months and called the company for a payoff amount. I was told by Chase that the payoff amount was {$2500.00} in XX/XX/XXXX and that the account was charged off and that they do not collect on the charge off amounts and that the vehicle wouldn't be repossessed. Now that i have moved on and want to get the title & lien released they are stating that it was never charged off and if it was then they re-instated it without my signature or acknowledgement and therefore they have that I am behind {$1100.00} behind and that it was a payoff amount of {$3800.00}. I spoke with a supervisor XXXX tonight who stated that they will repossess and etc if payments were not made. I have received the run around on this account since the dismissal of the chapter XXXX bankruptcy. One department doesn't know what another department is doing and that they will repossess the vehicle and/or i can make payments. Also they stated that although i had paid {$360.00} from XX/XX/XXXX to XX/XX/XXXX there were no payments accounted for and no record of them until suddenly on XX/XX/XXXX. Also they didn't report to the credit bureau to my benefit when I was making all these payments either in fact ; the credit bureau didn't show that the car even existed. I contacted them today XX/XX/XXXX to settle with them on the {$2500.00} for 40 % ( which i would have paid another {$1000.00} just to get my lien & title released ) and was told that I was never quoted this amount and etc. It is frustrating when the right hand doesn't know what the left hand is doing in a company and all this consumer wants is what is due her ( the lien release & title ). Thank you for your assistance in advance.
Tried reaching out to equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent.I was unable to get this resolved after multiple attempts to dispute. The inquiries in dispute are as follows : 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
Citibank said they would not run my credit when asking for a credit line increase and they did.
I have consolidated some of my " XXXX XXXX XXXX student loans '' as of XXXX XXXX 2017.
I make my payments as per the contractual schedule ( CONSTANT PAYMENTS OVER 30 YEARS ), using automatic payment, despite all the problems that they cause along the way ( ie deactivating my automatic payments without notice ) Navient charges the integrality of my payments to interests, nothing to principal. This increases my interest rate by more than 30 %, is not in agreement with my contract, and the BALANCE REMAINS SAME SINCE FOUR MONTHS DESPITE THE PAYMENTS.
The detail of the allocation of payments, fully available online, confirms that Navient fraudulently ( on purpose ) applies all and any of my payments to interests and fees, breaching the loan contract and misappropriating the portion of the funds that should be applied to the reimbursement of the loan to the XXXX XXXX XXXX.
I have contacted the customer service more than ten times, spoke with the customer advocate and wrote to her several times, and addressed a complaint to the audit committee of the board of directors of Navient. The customer service answered to me that they had reviewed my account and refused to escalate my complaint ; the Audit Committee, in charge with internal controls compliance, did not answer.
The customer advocate told me that she had sooo hard time understanding why I was complaining about how Navient handled my payments, after all, " all they did was collecting the monthly payments almost for the amount agreed ''.
The next day, I found that the CFPB had started in 2017 a lawsuit against Navient for exactly that. How unexpected was my complaint for misappropriation of my payments?! ...
I am writing to you because the trail of my case shows that Navient is in the business of breaching the contracts by modifying the systems, telling to customers that all is fine, and refusing to correct the very obvious fraud when it is reported. I am trapped with Navient. If I reimburse my student loan, they will apply my payment in full to interests, as usual.
The abuse is so systematic and the absence of internal control so total, that it s not possible to believe that this is " just a material weakness in internal controls over fiduciary duties ''. Let 's note that if it was " just lack of controls '', per XXXX it is enough to send the top management of Navient to prison.
Navient appears to be in the organized business of taking down as many US graduates as they can, while also depleting the ability of the XXXX XXXX XXXX to extend loans to new US students. An anti American purpose.
My suggestion to the victims : let 's charge them with our own " assessed fees '' and subsequent " late fees '' if they do n't pay us our own assessed fees. We need to make the idea of stealing from student loans way more expensive than the efforts to service the loan with the highest standards of customer service.
a tax lien for {$1200.00} is reporting on my credit, it does n't belong to me
I attempted to purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX, XXXX, CO. back in XX/XX/XXXX ( XX/XX/XXXX ). I traded in a vehicle fro the new purchase that was financed through ALLY Financial. My approval for the new purchase was Ally as well. End of XX/XX/XXXX I attempted to make my new and first vehicle payment with Ally and I was told no record of my new vehicle was in their system. I was told I needed to make my old vehicle payment ( trade-in ) now that it was late. I explained to Ally that the vehicle was traded-in and that they needed to contact XXXX XXXX XXXX. The new year XX/XX/XXXX came in and I still was unable to make a payment. I contacted and visited the dealership in person and was told I am unable to get financing for my new purchase. I explained to them, of course I can't, because you ( XXXX XXXX XXXX ) never submitted my payoff for the trade-in and now no one will finance me for active late payments. I entered a Civil litigation, submitted a complaint with the Auto Industry Division ( DOR ). I was granted in favor for the litigation. I myself, my attorney, and XXXX XXXX XXXX submitted disputes to Ally Financial as well as all three credit bureaus explaining the circumstances. No to fast forward, I obtained my original car back that was traded in and paid it off. Ally is still reporting the late payments due to this incident on all three credit bureaus.
It came to my attention recently that an ex-girlfriend had fraudulently used my Chase credit cards. One had a limit of $ XXXX and the other $ XXXX. I notified Chase and filed a police report. The fraud included a gentleman facilitating phone calls and posing as me. Both parties have been charged. Immediately Chase told me that they would close the account, reverse the charge and issue a new card. I closed my bank account, and Chase told me to not only do that but go to my bank and request a return of payments that were connected to my account. About three days later, Chase called and said that since i had been a beneficiary of the fraud, even though it was unknowingly, they could not substantiate it as fraud. I agreed to handle the process through the courts to seek the return of property acquired and restitution. In the interim, I attached a new bank account and returned the funds that they had returned to my bank, as well as made another payment. Though the fraud was only on the Sapphire card, I found that both cards said " account closed '' when I logged on. The specialist I talked to promised me that I would be issued new accounts, and I need only continue with my payments. When I called to speak with Chase about the accounts being closed, they offered that they had done a random credit check, and though no other accounts on my credit report had changed, they cited " a rapid increase in balance '' which was the fraud on the Sapphire card, and ( 2 ) a returned payment, which they informed me to pursue. I have never made a late payment with them, even with the fraud occurring. Further the balance of the other card that was not affected was $ XXXX of $ XXXX, which I was logging on to pay. I had previously opted out of pre-screening offers, so their rationale that this was a random credit check was bogus and an outright act of deceit. The other card is at $ XXXX of $ XXXX with the fraud. The fraud included one major purchase that the woman and her accomplice made, so I am unsure of how a rapid increase of spending is justified. I believe that this is unfair and deceptive business practice, as all of the actions taken were under the advisement of Chase. As well, the specialist was dishonest with me regarding next steps regarding the status of my account. Again, the Marriott Rewards card had no bearing on the other account, nor did I allege any fraud. I was able to retrieve items from the authorities and return them for credits to that card.
Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.
After the recent news from Wells Fargo I decided to contact them about my experience. I was XXXX, looking for a simple account to put money in from an after school job. Some how I ended up with XXXX bank accounts and a credit card. I did not want these additional services and incurred additional fees because of this. I do not believe I should have ever qualified for a credit card, especially with the limit I had. I was told on the phone with Wells Fargo that unless I was contacted then I was n't part of the affected group. They additionally told me that I would be receiving a letter in the mail to follow up which I never received. The phone representatives acted like they had no clue about what I was calling about and like this was the first time they had heard about this.
This complaint is about XXXX government benefits card, issued by Comerica bank. I had such a card in XX/XX/XXXX, and I stopped using it for my XXXX XXXX XXXX direct deposit, as I switched to XXXX XXXX. In XX/XX/XXXX I closed my XXXX XXXX account, and contacted XXXX to start again. My previous XXXX   account had a balance of XXXX cents, so rather that re-sign me up, they issued a new card. The representative told me they could ship it for free, or charge me {$13.00} for expedited shipping. Since I had already called Social Security and I knew my XX/XX/XXXX XXXX  payment was going to be by mail, and paper check, I told her No, I do not need or want expedited shipping. She sent it that way anyway, and my XXXX  balance is now -XXXX ( negative, which is the {$13.00} fee minus the XXXX  cents that wase in the account. ). I have called Social Security, The U.S. Treasury, XXXX   at least 8 times. XXXX submitted a claim, but eventually told me they saw no evidence that I did not ask for expedited shipping. I recorded the call, and have offered that recording to every agency I contacted, and I get NO response. I even went to a local branch of Comerica Bank, on XXXX XXXX in XXXX XXXX, and they advised me to close the card. BUT I AM NOT allowed to close the card, since it has a negative balance!!! I WANT MY {$13.00} back!!! I want someone to listen to this phone call, and hear me explicitly decline expedited shipping!!! I even explained to the representative that there was no point, since I was expecting a paper check in XX/XX/XXXX!!! Please help me!!
This is in addendum to the other complaint on file. I have asked over and over for a copy of the mpn on said private loan. I finally received it after two weeks. When I received it -- the signature page was so smudged-all important portions were blocked out so i ca n't tell the signatures or phone numbers. I was referred to a bank that supposedly had the loan and they found no records. also, the school that was tied to the loan ( XXXX ) is on the mpn as being XX/XX/XXXX and on the aes website it reflects XX/XX/XXXX. I am getting so tired of these numerous factors which my be incorrect or fraudelent. Pay history does n't match -- all banks or companies do n't have any information to reflect i owe this debt. what gives?????????????
On XX/XX/18, I sent Midland Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. The original creditor account number is XXXX. As is required by the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, i had not received a response from Midland Funding, and sent a follow up letter to them notifying them of the same. It has now been more than 30 days since my second request, and Midland Funding has still failed to respond to my request. Pursuant to the FDCPA and the FCRA, Midland Funding must now cease collection activity on the account in question, and delete the entry from my credit report. I am requesting written confirmation from Midland Funding that my request has been honored, and that the item has been deleted.
To : XXXXXXXXXXXX ; I called in to put a STOP Payment on an ACH authorized payment and told the XXXX Customer Service representative exactly why. He replied the fee would be XXXX XXXX for the bank to STOP and reverse payment. I told him since I am calling in advance to STOP it ahead of time so that it would not have to be reversed. He then agreed to waive the XXXX and STOP the ACH from taking from my checking account. Then today XXXX/XXXX/XXXX I called to check my balance and it said XXXX. I called in at XXXX a.m. Another Spanish customer Service representative told me my account would be credited the fees from the overdraft and XXXX and quickly transferred me to the claims department to cover up their mistake. They made me submit a claim after they never reversed it and charged extra fees. The claim number they gave me was # XXXX. 
They were supposed to STOP payment ahead of time.. Days ahead of time. Why they are making me submit a claim for their mistake does not seem like proper bank protocol.
Hi Today out of the blue, I received a notification from a supposedly a bank called " XXXX XXXX ''. I did not apply for a card or knew about this company until recently. Notification that I have in front of me today, states that they mailed a welcome package, which I did not receive. When I called the customer service number today at XXXX, they are unable to locate by the account number on their letter. My daughter who is in a college received the same letter to her dorm address. She also did not apply for the card. I think this company is creating bogus accounts or letting fraudsters create account with stolen information. Please investigate. I have attached the letter that I received today. If it turns out to be fraud company, then I want them to be appropriately handled and published on your website. If it does create a valid accounts, then they need better customer letter approach as it is very deceiving and reading online, many folks have received this type of letter in the past. XXXX : XXXX Address of XXXX XXXX XXXX on the letter that I received is : XXXX XXXX XXXX, XXXX XXXX FL XXXX .
I hired a reputable company to help " clean up '' my credit report in XXXX 2016. A collection account was disputed and was taken off my credit reports. It has now been reinserted with a new open date of XXXX 2016 when this certain collection was over 6years old. The collection company being used is now called Convergent Outsourcing Inc . It 's a collection account through a XXXX. This was never verified in a timely manner according to Fair Credit Reporting Act so legally, it was deleted from all XXXX reports.
I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX  are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
I was recently notified that I was denied for a HAMP loan modification. I was denied by ocwen XXXX per FHA guidelines. Per the Treasury guidelines for HAMP I have the right to have an explanation of what factors used to make the decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, because you stated you reviewed for all workout assistance and I received a denial way before thirty days. It seems to me you rushed your decision because not once did you reach out to me for copies of rental income and lease. The renters in my home are not seasonal they are very consistent in paying rent and have never missed. I can not you sleep at night, after this denial, my husband was diagnosed with XXXX and he is now XXXX. After working for 18 years at XXXX he was fired. I had to care for him during his year of XXXX. We were denied due to renters are seasonal. I would like to be able to show you that my renters are not seasonal. I would like to fax bank statements of rental income and a current lease. Unbelievable we showed you my husband XXXX award letter for the time he started getting his XXXX check after a year and half. Ocwen make FHA sound like so sorry for your bad luck. But after all of we do n't care. I believe this underwriter did not follow the occs guideline, please research this for me. I can be reached at XXXX.
Really dont know who is this bank, is. And if this was my account and don't remember it's very old and want it off my credit report, over 20 years old
I have submitted multiple letters to XXXX and Experian about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.
In XXXX of 2015 I had a large charge of {$2400.00}. from a vendor who I contacted to get a refund in XXXX. Since the charge was on my XXXX Barclaycard statement, I contacted their dispute department regarding this charge which they said do not pay until dispute is resolved.XXXX statement reflected no credit. Then XXXX received a letter from Barclaycard 's dispute dept that {$2400.00}. credit was issued twice therefore I owe them this money. My previous bill was {$520.00}. now amount due by XXXX of XXXX is {$4600.00}. My complaint is I think Barclays mishandled the funds in order to make a very large amount due so they could collect 25 % interest which I believe is grossly unfair when charges should have just cancelled out. Now they make it impossible for me to pay this huge amount in full and they gouge me for XXXX & interest on the balance.
My name is XXXX XXXX, I've reached out to Sears Master Card services, to resolve a promotional balance program. I didn't sign up for this protional program and I requested that Sears show me proof of signature or evidence to my involvement in a promotional balance. I went on a cruise during The month of XX/XX/2017. I consumed a XXXX during that trip and Sears Master Card placed me in a promotional balance program that I didn't sign up for. I've been with this company for about 5 years and I've never missed a payment. I'm being charged outrageous high interest rates that's additionally added to my monthly note. I have audio proof of contact with Sears discussing my concerns. They can't show any signatures of me signing up for this program. I'm struggling to pay this, Sears is trying to charge me XXXX month plus, this amount is basically XXXX additional to my monthly note. My automatic payment went from XXXX to XXXX. I need proof I sign up for this program I wasn't aware of.
XXXX XXXX XXXX reported on my account 3 times for the same information
I attempted to have my student loans consolidated back in XX/XX/2009. When I did consolidate them, A new loan appeared on my credit report. When I consulted to new loan company, they did not see the loan that I was speaking of. I then called the department of education and they told me the loan that was added was paid in full and should not be collected from anyone. Well, Navient is refusing to adhere to that and are collecting on this very loan as I type this. I paid on it again today. I have produced the evidence from The Dept of Education and they have still refused to delete this loan or repay my funds. I need help. The dept of Education has proven that this loan is a XXXX balance.
Purchased home in XXXX. Wells Fargo Home Mortgage is the loan services. Experienced episodes of unemployment and health challenges XXXX-XXXX. Approved for loan modifications during this period. Currently in process of paying loan off after selling the property. No late payments since XXXX. However, after paying approx $ 1680/month, the principal has only reduced by $ XXXX in 3 years. Something is not calculating correctly.
For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated.