WillisBack/dataset-financial-user-claim huggingface dataset:
I am making monthly payments of {$490.00} on a XXXX XXXX XXXX to Summit  Finance. In XX/XX/2016, the original loan amount was XXXX. I tried to re-finance through this lender but was denied. Then I tried to re-finance through my bank but was also declined. I found out that for over two years I have been paying only XXXX towards the principle. The car is only worth XXXX and the pay-off amount is XXXX. The dealership told me they were charging me 24 % INTEREST. THIS IS CRIMINAL! IHAVE BEEN UNDER EXTREME FINANCIAL HARDSHIP for the past two years and at a rate such as this I may not live that long to ever pay it off! I also did some nvestigating of 'Summit Financial Corp. and they recently declaRED BANKRUPTCY. I AM CURRENTLY WORKING WITH XXXX XXXX TO REPAIR MY CREDIT-but in the meantime I continue to be financially XXXX by this company. aLL i AM TRYING TO DO IS GET A LOWER MONTHLY PAYMENT. i AM A XXXX VETERAN AND LIVE ON A FIXED INCOME 100 % SERVICE CONNECTED.
I checked my TransUnion credit report in XXXX XX/XX/2016 and i had only XXXX hard inquiries. When i checked my credir report after 2weeks, there 's XXXX hard inquiries.. I tried to call TransUnion several times since XXXX XXXX, 2016 but the customer service are not helpful and keep on saying I need to call each creditor one-by-one to remove it.. Im affected with the transUnion glitch and transunion should be willing to resolve these.
Hello : I am a US Bank customer and use online bill payments and recurring bill payments for most of my expenses. I have a mortgage with XXXX XXXX for which I have an established recurring bill payment set up with US Bank.In XX/XX/XXXX I received a notice from XXXX XXXX that my monthly payment would be changing beginning in XX/XX/XXXX. I went online to my US Bank Bill Pay to adjust the payment amount from {$3400.00} to {$3500.00}. I also transferred funds from a savings account to my personal checking account to cover anticipated expenses including the monthly XXXX XXXX payment. Believing all was fixed for future payments I paid no attention to the bill pay service until I received a notice from XXXX XXXX that my XX/XX/XXXX payment had not been received. I immediately went online and issued a onetime payment to XXXX XXXX including late fees, verified funds were not the issue and contacted US Bank to complain about the cancelling of my payment vs the editing of the amount for future payments. US Bank has repeatedly promised to look into the matter and let me know in three business days the outcome, yet far more than three days will pass with no follow up. Today on an extended call and being passed around to multiple customer service reps and managers, I was told that bank logs indicate I cancelled the payment and that no documentation of same would be provided to me, nor would a letter explaining what actions I and US bank had undertaken to address the issue would be issued. My credit has been damaged by the failed payment, I am in need of documents to show a mortgage broker that I protest the resulting fees and ding on my credit, but I get nowhere with US Bank. I am going back to a branch today as directed by online banking to ask for a letter of explanation which I have little hope of getting.
I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.
XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX has apparently sold my " debt '' of {$640.00} ( we have never been billed for this amount by XXXX XXXX XXXX! ) to 2 ( as of this date ) collection agencies, Sunrise Credit Services and XXXX XXXX, with the account # XXXX which is not even an account of ours. They state it was for my wife 's cell phone ( which was already out of contract with XXXX XXXX XXXX ; their representative at our local store said we could n't return a used phone out of contract and even gave her several suggestions on websites to sell it herself ). They call daily while I am at work, as well as late into the evening ( XXXX  CDT being the most recent ). They have been told it was n't a valid debt and to stop calling, to no avail. I sent Cease & Desist Letters to both collection agencies today with backup showing I paid my account off to XXXX XXXX XXXX, with an agreed amount for ALL accounts to be XXXX out, and the check was cashed by XXXX XXXX XXXX, thus agreeing to our arrangement. I have attached copies of my pay agreement with XXXX, copy of the check and letters sent to the collection agencies. I am complaining against XXXX XXXX XXXX XXXX, as well as Sunrise Credit Svcs and XXXX XXXX.
The debt, a payday loan, was discharged in XX/XX/XXXX in a chapter XXXX bankruptcy filing. The lady on the phone said that she was trying to head off the company filing a suit for collection in court. She called at XXXX on Friday, XX/XX/XXXX from XXXX and said she was with EZ Corp. This is approximately the 3rd collection call from since discharge in XX/XX/XXXX that I have answered the phone and the person said they were from EZ Corp. Each time this has happened they were reminded of the XX/XX/XXXX Bankruptcy filing, so they are not ignorant that they should not be contacting me about this ever. They are illegally operating outside of the bankruptcy law and bringing up debts that they can not legally collect on. They are stalking me, and collecting my personal information to harass me. I have changed my cell phone number since XX/XX/XXXX and although the number is registered on the Federal DO NOT CALL list, they apparently ignore those laws too and call. This makes me feel very unsafe and I feel like they would try to physically harm me by trying to continually locate me. Please STOP these people.
Ocwen Loan Servicing failed to resolve unfair deceptive issues before they transferred or sold my mortgage to XXXX XXXX XXXX. I requested loan remodification under the Harp Program when I took very ill and missed 2 payments. Instead Ocwen inaccurately adjusted my mortgage to a higher amount ( initially XXXX XXXX-payment {$300.00} for 240 months at 9.90 % interest rate ; in XX/XX/XXXX-balance of {$36000.00} was modified by Ocwen ),  did their own modification, and did not apply my previous payments of over 10 years prior. After months of inquiries and unresolved complaints, Ocwen transferred my mortgage. My mortgage suppose to be {$0.00} this year. After I inquired to my current mortgager, XXXX XXXX XXXX of final payment, I was informed they had to investigate and review file as mortgage info was confusing and not accurate in file. Now again, XXXX is transferring mortgage to another company also. I never missed but 2 payments which was in XX/XX/XXXXwhen I became ill ( was on XXXX ) and those payments were brought current in XX/XX/XXXX.
XX/XX/XXXX I received a call from Diversified consulatants inc. for a XXXX account claiming that I owe them {$3900.00}. Ive never had a XXXX account. So i began to explain to them I had identity theft with my SSDN, name and address. They told me they would send me a letter with information required for fraud. While on the phone I heard cheering and partying in the background. The guy on the phone instantly muted the phone while telling his crew to be quiet. I knew at that moment it was a scam. 
In XX/XX/XXXX when i learned that my identity was stolen i had my credit report ran by XXXX ( the credit agency that was hacked ) and XXXX  came up as one of the companies they tried to open a account with. We called XXXX and they told us there was no account open. I continued to call XXXX again right after receiving this call and they told me again there is no account. 
its weird too because all of the credit agencies that i have been turned over to because of identity theft have told me that i have to contact the company directly and deal with their fraud company. this is the first collection agency that claims they do it themselves. 
XX/XX/XXXX i receive a letter in the mail asking for all my information SSDN, name and address, police report to make a claim. the letter looks unprofessional and is a copy not a actual printed letter.
I disputed a bankruptcy on my credit report. I have sent in 2 letters asking for verification of this account. I also spoke with XXXX in Texas on XX/XX/2017, and he informed me that they completed the investigation but he could n't tell me who did it he said it was done electronic and it was not his job to verify if it was valid or not. He also informed me that they will not reinvestigate this ever again.
XXXX XXXX ; XXXX ; XXXX ; USAA issued me a credit card 13 years ago. On the anniversary of the card USAA sent me a bill for the renewal annual fee ( {$29.00} ). I had n't used the card in years ; it had a zero balance ; and I called the company and cancelled the card. The rep acknowledged that the card would be cancelled but that I had to pay the annual fee. The fee was prospective, not retroactive, and I objected to paying a fee for a card I no longer would have or use. They threatened to adversely affect my credit rating if I did n't pay. I think it 's an illegal fee.
On XX/XX/XXXX a company charged {$44.00} on a Barclays credit card I had not used for a few months. XXXX must have changed me to paperless because I never received a statement. In XX/XX/XXXX, I saw a drop on my credit report because of late fee and interest charges. I talked to Barclays and they did waive all the late fees and payment charge fees. However, they said it was too late for them to tell the credit agencies and I would have to dispute the charges myself. This policy is crazy, because I have to dispute the charges myself and then it takes 30 days to investigate the charges. During this time my credit score has dropped over 100 points because Barclays wouldn't contact the credit agencies directly.
My Brother died in 2014. Mountain land collection is suing me for his medical debts.
XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX criminal trespassing XXXX  XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX . Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was XXXX XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. Weve enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX , IXXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.
On XX/XX/XXXX I purchased a Western Union money order from XXXX ' grocery store in the amount of {$320.00} to mail to XXXX XXXX XXXX XXXX. I filled the money order out completely on its face and mailed it through the U.S post office. On or about XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX that, they had not received my payment. After investigating the information I learned that my money order had been frauduently cashed on XX/XX/XXXX at an unknown location. I contacted Western Union again and requested to file a fraud report. I was told that I had to complete a fraud request in writing and send {$15.00}. On XX/XX/XXXX I completed a written request and sent the {$15.00}. As of XX/XX/XXXX I have yet to receive any information as to the status of my claim. I have called Western Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To get an update or to request additional information to provide to the local Detective whose been assigned to the case. I've attempted to get either the name of the person who cashed the money order or the bank name and branch where the money order was cashed at on XX/XX/XXXX. Western Union has disregarded my request by doing the following ; place me on hold for long periods of time 52 mins., or state you will receive a letter in the mail with the name of the bank soon, or I can not provide you any information at this time, or they just hang the phone up in my ear. I would like Western Union full cooperation in assisting me with information to move forward with this fraud case and provide me a full refund plus interest on my money order within 30 days of my complaint.Also, Western Union should be required to handled money order thefts that consist of fraud within a reasonable amount of time, and should be required by law to provide the victim of fraud access to the necessary documents so that the victim can proceed with making timely police reports.
I had paid all my debts off in 2015 and have never received a bill from these people since so I 'm sure it was paid and they called me and I have asked for them to send messages bill and they gave me my address and I still to this day have never received a bill so I believe they are trying to double collect on this beings out the blue I get calls from these people and this was put on here after several years and no bills and knowing I payed everything off that I was billed for they went back and trying to collect again
Money was transferred from my account using Google Wallet. Filed a complaint and request for a refund and was told they will not refund the money. Have not used the service prior to this transaction. Case ID ( XXXX )
I do not know if the debt is actually mine. My ex-husband obtained credit over the internet in my name. I was told by the debt collector it was my debt. I do not have any verification if this is mine. What should I do?
Your case ID for this reason is XXXX. My account was limited XXXX XXXX2017 and its been over 180 days that my money has been held. I have {$230.00} USD in my account. Please release my money for withdrawal.
As a favor to a friend, I setup a Chase Quick Pay account linked to my credit union checking account. This person 's relatives would send money through Chase Quick Pay where I would get an email to login and to accept this money. I would do so and after 1-2 days, the money would show up in my checking account. I would then proceed to withdraw that money for the person it was intended for. The last transfer for {$170.00} was deposited to my checking account on XX/XX/2016. I noticed today however, that the money was reversed by Chase and taking from my account on XX/XX/2016. I would assume that once the money was transferred and deposited, that the other party could not cancel the payment. Further, I would assume that once Chase makes the transfer, the money being transferred has been verified and is available. I do not understand how Chase can come back a week later and remove that money from my checking account without me agreeing to it. Also, if that money was not available, why is Chase even making the transfer to begin with. I feel I was scammed both by the person making the transfer and Chase.
The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
I placed an online application with Regional Finance, Immediately after I called the business to stop application process. I spoke to associate at the branch in XXXX NC and they told me to contact home office. They assisted me with correct phone number and then I spoke with the associate in the underwriting department. The associate in that department told me he would void my application and my credit would not be pulled. Two days later I received an alert on my report that they did in fact run my report. That 's when I filed a report with XXXX and I did not get a resolution to my complaint. They referred me to this site.
XX/XX/XXXX FOR THE LAST TWO YEARS I HAVE SENT SEVERAL LETTERS TO XXXX XXXX/AD ASTRA RECOVERY SERVICES AND XXXX DEMANDING A COPY OF APPLICATION ON FILE WITH MY SIGNATURE, IDENTIFICATION CARD AND SOCIAL SECURITY NUMBER. I HAVE A NEGATIVE DEBT OPENED XX/XX/XXXX, TOTALING {$740.00} ON MY CREDIT REPORT, THAT I AM UNAWARE OF. I HAVE NOT RECEIVED ANY OF THE INFORMATION I REQUESTED AND THE AMOUNT IS UPDATED MONTHLY. 
I HAVE NEVER RECEIVED ANY WRITTEN VERIFICATION OF LOAN DOCUMENTS FROM AD ASTRA/XXXX XXXX OR XXXX. AS A CONSUMER I FIND IT UNACCEPTABLE AND UNFAIR TO PLACE THIS ITEM ON MY CREDIT REPORT WITHOUT ANY PROOF OR JUSTIFICATION. 
UNTIL ANY DOCUMENTATION IS SUBMITTED AND RECEIVED BY ME IN WRITING, I WOULD LIKE IT REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY.
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, transunion drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.
I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.
I am selling my home in a short sale. We have been approved and unfortunately an old loan from the previous owner has come up on the title. We have contacted Chase which seems to be the lien holder in regards to the lien release so that we may close. They were originally contacted In mid XXXX and to this day they have made us send them the title binder, mortgage, assignment of mortgage to them to multiple e-mail which include : '' XXXX, XXXX XXXX XXXXXXXXXXXX, " XXXX, XXXX '' XXXXXXXXXXXX, XXXXXXXXXXXX, and to their manager at XXXXXXXXXXXX. As of today they are forwarding documents to be submitted to processing after weeks of phone calls and emails/ I have tried to speak to a manger and have escalated the request on multiple occasions but NOT EVEN ONE representative is able to give me an update on this request. We are past my short sale approval date and have yet to receive a concrete response from Chase except to resend the documents again.
On  XXXX   XXXX ,    2017,  the borrowers executed a permanent modification agreement. On  XXXX   XXXX ,    2017, Ocwen  executed this modification agreement. The borrowers timely made each payment under their trial modification plan and continued to make timely monthly payments after their loan was permanently modified. However, the first mortgage statement they received  after Ocwen  executed the permanent modification agreement, which is dated  XXXX   XXXX ,    2017, f alsely states that there is a past due payment amount of {$1100.00}.     Furthermore, the only mortgage statement the borrowers received in  2017 is  the mortgage statement dated  XXXX   XXXX ,  2017, w hich is for the payment that came due on  XXXX   XXXX ,  2017. T his failure to send the borrowers a periodic statement each billing cycle constitutes a violation of   XXXX   XXXX   XXXX       On  XXXX   XXXX ,    2017, t he borrowers mail ed Ocwen  a qualified written request, in which they explained that their account is in error because  Ocwen falsely claims that the account is past due and Ocwen  has failed to send mortgage statements each billing cycle.
I have tried several times and ways to have the AZ XXXX child support payments history corrected with the bureaus. Account was never late or with arrears. I have submitted court documents from the collecting state confirming on time payments and a overpayment. The CRB wo n't update and shows 35 missed pay, nets of 120+ days. There is also a loan showing wrong/false information not once but twice both with different data. It 's from XXXX XXXX in South Dakota and states I entered into some loan I have no idea about. I have been trying to get a home but it 's been months with incorrect information reporting.
All my accounts are included in the bankruptcy. These accounts need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Portfolio Recovery keeps calling and attempting to collect on money that I have disputed this the company. They are also calling and harrassing me and my family and friends stating they have a lawsuit against me and call them and myself at all hours of the day and night. I have yet to recieve anything in regards to a lawsuit or any paperwork from them period. They have been calling family members and telling them about my personal business and that they have a lawsuit against me and I dont even speak to these family on a daily basis. I would like for them to stop harrassing me and my family.