WillisBack/dataset-financial-user-claim huggingface dataset:
Hi I am a co-signer on XXXX of my daughter 's student loans which is 'managed ' by American Educations Services of XXXX , PA ( XXXX ). Her loan became delinquent and, as a cosigner, they began collection proceedings on the account including phone calls and letters directed toward myself. That is fine, however the problem is they somehow entered an erroneous social security number for me in their system. In order to create an account and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social security number is required. Thus I am in a strange and very unfair predicament where they are taking collection actions against me, including a threat to report the delinquent status to the major credit bureaus, but I have no access to the loan details! As far as I know there are laws against collection activity without full disclosure concerning the debt in question! I 've called multiple times and was told I have to send a photocopy of my social security card in order for them to update their records. They will not simply update it with information provided via phone call despite a lengthy identity verification Q & A - as if, in the age of digital photo editing, an image is any more secure?? So XXXX I sent a photocopy to the email address they provided, but they claim never having received it. Every time I call they place me on hold for XXXX min while 'researching ' the problem. I asked if they could simply supply an email address where I could send the photocopy, while on the phone with them, so I would know if they received it. they indicate for some reason they ca n't receive e-mail directly or something to that effect, and that request too is denied. so here again I 'm placed in an impossible situation! they ask me to send the photocopy to an email address, but refuse to provide me any confirmation they 've received it! Attempts to work with American Educational Services and resolve this problem have proven very time consuming. During that time, the loan status is continually ageing but I do n't have access to the necessary information in order to check the loan status, see when payments are due, for what amount, etc. I 've tried working with them to resolve the issue for approaching two months but the situation still drags on. I do n't have any recourse other than maybe hiring a lawyer but it is financially prohibitive.
XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.
Unauthorized ATM withdrawals were made on my account starting XX/XX/XXXX-XX/XX/XXXX. 20 total unauthorized transactions were made in the total of {$2000.00}. My debit card was never lost or stolen, and was always in my possession. On XX/XX/XXXX I received an alert on the chase app that someone withdrew {$200.00} from my account. I immediately got on the app to find 19 similar transactions, which were under {$120.00} so i didn't get any alerts ( default settings ). I also got an email from chase because they suspected fraud on my account because the person got declined twice. I then called Chase and opened a fraud claim, and cancelled the card. Chase gave me a temporary credit and informed me they would do more investigation. A few weeks later they reversed the credit. I called the claims department, and the claims department lead began to tell me that they couldn't prove that it was or wasn't me, therefore they will not reimburse me. Not only will they not reimburse me but they wouldn't even tell me the product of their investigation. The person who made the transactions made them in XXXX  XXXX, I've never used the these ATM 's. 

Since then I have filed a police report, reported identity theft with the FTC and I am in the process of trying to get the video evidence from the ATMs they used to prove it wasn't me. 

I am a Vet and hold a Veterans account with chase and have been with chase for about 7-8 years. This is completely unethical and should be against the law.
First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.
My name is XXXX XXXX, I live in XXXX, AZ and I have XXXX XXXX. 
I was awarded Social Security in XXXX and backpay of check dated XXXX XXXX for {XXXX, XXXX which was mailed to a wrong address and then was cashed by a thief that had no access or authority to cash my check. I filed a police report, called US Bank Fraud line and they refused to help me since the person that stole my check which is in my name only, opened a bank account with US Bank with me as a NON Signor and her as only access. She would have to open an account with my name since its the only name on it. I filed a report with XXXX XXXX office and they contacted Social Security which directed me right back to US Bank since they cashed the check without proper approval. She never should of been able to cash a XXXX, XXXX check that is NOT in her name. 
I am going to the media, online, every platform I can until my money is rightfully returned to me. I am the and I am treated as the accuser. This is downright ILLEGAL and UNJUST. Someone will help me one way or another. XXXX XXXX is the theif that stole and cashed my check. I filed a police report against her.
From Capital One credit card, I received XXXX XXXX statement with due date of XXXX XXXX, XXXX, with total amount {$1200.00}. 

I made {$1000.00} payment on XXXX XXXX, XXXX. I made a {$500.00} payment on XXXX XXXX, XXXX, the due date. 

I was charged {$13.00} internet on next billing cycle. I called three times and no resolution yet. There are two problems in there system that needs to be audited. 

1. Time of due date - I got a response that my remaining payment of {$220.00} was made after XXXX XXXX cut off time that made that payment reflect on next day, which is considered late payment. The cut off time is arbitrary, it should be midnight customers time. 

2. Even if {$220.00} was paid late, the interest on this at 23 % APR for a month should be not more than {$5.00}. Their interest calculation mechanism has error that calculated it to be {$13.00}
I spoke to this company on XXXX XXXX XXXX, XXXX and informed them that this debt is almost XXXX XXXX XXXX. I was in my early XXXX 's at the time of this debt and am now almost XXXX years old. 

He agreed it was uncollectable and I asked him to stop calling and to not hurt my credit. 

He assured me he would not. 

The next day he calls my parents asking for me at XXXX XXXX XXXX obviously trying to embarrass me into paying a XXXX XXXX XXXX debt. 

He was told not to call on XXXX yet called my parents anyway the next day.
During the time of my marriage, I decided to get a TJ Maxx credit card which is through synchrony bank. Unfortunately, my husband left me and took the clothes that I purchased. I am now going through a lawsuit with synchrony bank. I have never hard of retail stores suing and winning lawsuits. I saw that synchrony bank with to another law firm in order to get me to pay. I fell on hard times really bad, got evicted from my apartment, hourly job that doesn't pay much, and they are a very hard to reach company to work out options. I am never getting another retail card again and of course, I haven't shopped in TJ Maxx in ages every since this happened.
I HAVE BEEN THE VICTIM OF ON GOING ID THEFT AND HAVE A FRAUD ACCOUNT THAT IS REPORTING ON MY EXPERIAN CREDIT FILE. I HAVE DISPUTED IT ONCE AND IT WAS RESLOVED BUT NOW IT IS REPORTING AGAIN AND EXPERIAN WILL NOT BLOCK THIS.
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my Equifax nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.
I called my mortgage loan servicer ( XXXX XXXX  XXXX ) on XX/XX/2019 to request an adjustment to my escrow analysis. They asked me to mail them my homestead exemption form so that they could revisit my projected taxes for XX/XX/2019. I mailed that form on XX/XX/19 and they confirmed receipt on XX/XX/19. I subsequently have made 6 phone calls to XXXX to request that they expedite my escrow analysis because my next mortgage payment is due on XX/XX/19 and I don't want to overpay, after an escrow analysis is completed my monthly payment will change. Each time I have called, they insist that my mortgage payment will be lowered to the correct amount, however they still have not corrected the amount due in their payment. I'm requesting assistance in getting this issues resolved because they refuse to correct my monthly payments. ( XXXX ) as of today, XX/XX/2019. I can be contacted at XXXX, XXXX XXXX XXXX
XXXX of Pioneer Credit Recovery is totally unprofessional and abusive. Calling me a liar, saying I did not send my financial verification records, i.e. XX/XX/XXXX tax return and XXXX, when requested 2 yrs. ago. Searching my computer, I found, scan and send communications, with Pioneer on BOTH XX/XX/XXXX and XX/XX/XXXX. Had to send twice because Pioneer could not open a word document. I made monthly arrangements and did not miss a payment, for the 9 or 10 months agreed upon. Pioneer cancelled my payments and then put wage garnishments on me. Without notification! I have no problem repaying my student loans, but to be belittled by XXXX and called a liar are beyond me. I reached out to Pioneer to resolve the wage garnishments and was told the only way to cease garnishment was to make payments on top of monthly wage garnishments. Well, if that is the case, I 'll just allow the garnishments to continue until the debt is paid. But I will not tolerate abusive communication from XXXX. Thank you, and Happy St. Patrick 's Day!
My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.
I previously requested a modification on my home loan with  Wells Fargo. While the modification was pending..payments  were made, but not applied to my loan. I was advised that the loan must first be in default before the loan can be reviewed for the modification. This resulted in my loan showing more delinquent than the loan actually was on my credit. The lender then appraised the home for more than the value of the home and did not provide a copy of the value obtained when requested. The principal balance was then increased excluding the payments made and not applied at the time of the modification.  Wells Fargo  excluded the payments and based the monthly payment on now a more significant appraised value and raised the monthly payment by several   XXXX   XXXX  . I was forced to accept the terms in order to save my home and was now severely delinquent. At the time of the modification the principal balance was increased to more than the value of the home at that time and the previous payments made were now misapplied. I followed up with the mortgage company in regards to the misapplied payments made during my modification review and they in turn researched it and after several phone calls and months, reversed them but indicated the payments could not be applied to the mortgage payments, but had to be put on the principal balance, in putting the payments on the principal balance, no restructure took place to lower the principal to reflect the funds applied. So.. to me if felt as if there was no resolution. I fell behind on m y HOA f ees trying to regroup from the now increased payments that caused an additional hardship.     To make matter worse, I am in a community property state and from what I am being told, the modification was recorded incorrectly.
Trying to refinance my loan to lower rate with J P M Chase already have existing loan, they have gone from {$7.00} to closing the loan to {$10000.00}
On XX/XX/2016 I called TD Bank and it was told me that my auto-pay has been removed by a manager.
ALERT we, us, my wife and i received, in our mailbox manufactured electric utility bill statement that we were required to send in upon our several modifications in XXXX ( pg 23/60 ) has been manufactured somebody at Nationstar physically changed the names on the bill.This statement is false, she has never had our electric bill in her name. This also ties in with the manufactured hardship letter as well, tax documents and, cut-copy-pasted dates and signatures.We do not agree with fraud.This is clearly illegal. Possible marital status discrimination? Please explain how her name got onto my bill? Well done i might add it looks very professionally done.We have several other significant issues HUD-1 errors, credit reporting errors, insurance errors.XX/XX/XXXX
I have been making regular monthly payments on an account I co-signed for on behalf of my daughter for the past five years. Private loan was with XXXX even though I always made payments to AES. I was given an account number and have used this same account number to pay on this loan. In XXXX of 2015, there was a transition between XXXX and AES and AES took over the full servicing of these loans. I continued making monthly payments as usual. My daughter also had another student loan with a different co signer. When this transition took place in XXXX, the payments that I was making were being applied to her other account and a portion was being applied to the account I was paying on. However, it appeared neither XXXX of us was making the full payment on either loan. AES reported late/missed payments to the credit companies which has severely affected my credit and that of my daughter 's. I provided proof of payment to them on the loan I co-signed for and have been making regular payments on for several years. AES said they switched account numbers and I was using the wrong account number. I was never informed they changed my account number. My daughter was not informed either. They claim they can not fix this. I have my house up for sale and want to purchase another home and because of their administration of their handling of these loans, I may not be able to get a new home loan. The customer service staff at AES will not help and if you talk to a different person, each time you get a different story. They are affecting the lives of people and have been rude and do not seem to care about their mistake. Please help.
Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..
I 'm writing because I am veteran with a VA home loan from New American Funding and I am on my second attempt to get a loan modification to keep my home. I fell into a financial situation where I can not keep up with my mortgage payment. I contacted my lender for help and was advised to do a loan modification. During this process, I was also advised to not make any full or partial mortgage payments. We were also lead to believe that we were going to get the loan modification. After months of submitting papers and documents requested and almost XXXX XXXX XXXX in the hole, we were denied and our home was put in foreclosure. Had we been able to make full or partial mortgage payments, we would not be almost XXXX XXXX XXXX in the hole. We were very fortunate to get help from Keep Your Home California, they were able to help us reinstate our mortgage. I was also told by my lender to make a second attempt at the loan modification. Again, I have cooperated and submitted everything that has been asked of my wife & I. Here we are months later and I have not heard anything. We feel like our lender set us up for failure and had or has no intentions of helping us out at this point. We have tried to get our home refinanced through another lender, but no one will touch us because our credit scores have plummeted through this whole process. We are very unhappy with our lender, New American Funding, because of the lack of help and advice they have provided. We have XXXX kids and XXXX on the way and we do not want to lose our home. We do not want to sale our home and have to look for another one. As stated earlier, we would not qualify do to our credit scores to buy another home either. My wife and I just want our lender to help us and give us positive options so that we can stay in our home. We are not asking to cut our mortgage payment in half or to be excused from making payments, we just need some help by getting a lower mortgage payment.
Repeated robot calls for a different person of my last name only. They are using me for there fishing expedition.
I went for a loan from XXXX mortgage company, was underwriting for XXXX XXXX. I was unaware of all scams and tricks that were being done at the time, they seemed like trustworthy people. I later found out that my closing documents were forged and initals put in places for an adjustable rate that I never agreed to. My initial mortgage payment was XXXX dollars inc. taxes that went up to XXXX a month. They transferred my mortgage to several banks and finally ended up with Wells Fargo as a servicing company and XXXX XXXX XXXX XXXX XXXX as the creditor. I had this mortgage for ten years. The balance started out as XXXX now it 's more than XXXX and still going up. They notified me that they were going to foreclose on the property because they are unwilling to do a modification and balance reduction that is affordable. They promised me during XXXX that after the moratorium was over they would modify the loan. All empty promises. They have all phony foreged documents, robo signatures they are using to take my home from me, when they ca n't even prove they legally own the note let alone foreclose. pls help and investigate this pack of lies, and foreged documents intered into there mers system. They never even filed with the XXXX county clerks office they are the owners of the note. they ca n't produce the originals and hide behind lawyers who lie for them and employees that just signed lies for a living. sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX.
I paid off my loan with XXXX XXXX XXXX on XXXX/XXXX/XXXX and requested on XXXX for the GAP insurance to be cancelled via email. They sent an email back requesting I fill out a form and return it, which I did the same day ( XXXX/XXXX/XXXX ). XXXX XXXX, an employee of XXXX XXXX XXXX, confirmed receipt of the requested document on XXXX/XXXX/XXXX. That same day I also sent the cancellation form to Santander and they confirmed it was cancelled on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I emailed them asking about my refund from the cancellation of the GAP insurance. They responded on XXXX saying the cancellation has been received and process and that I needed to follow up with the dealership to get my refund of {$800.00}. I have made numerous phone calls to XXXX XXXX XXXX asking about my refund and many times will tell me the person who handles is n't in that day and will call me back. I never receive a call back. I have again called today and was told they will call me tomorrow. On XXXX/XXXX/XXXX, when I initially called to cancel, they told me it would take XXXX weeks to receive my refund and have since not been given any reason why I have not received it in the quoted timeframe.
I lost my job due to an motor vehicle accident that was not my fault. This made the loan fall behind. They refuse to to work with my husband on the loan. He is the only one working. They just called 6 times in less than 10 minutes. Even after he talks to them and make a payment arrangement, they call back 2-3 times the next day. They are threatening to sue. We are barely holding on to our home and keeping the cellphones on so they can even call us. The guy tried to basically force my husband to have us redo the loan. They even called and harassed us about that because we were close to paying off. Once when we thought about it, the young man wanted a vehicle title we did n't tell him about or offer for a {$12000.00} vehicle title for a {$500.00} loan he said our {$1200.00} lawn mower was n't enough along with a laptop. At that point we got up and walked out. We did not redo the loan. I have XXXX in a few days and my husband is under XXXX for XXXX himself trying to get our belongings from the wrecked vehicle. I need this resolved.
Wells Fargo assisted me in a loss mitigation last year in XXXX 2014, However, in XXXX 2014 that 's when I was notified to make my payment in which I was behind XXXX month to start they said home preservation assistant no longer was working in this dept or for the company and I would have to catch up on my own I thought as though this was too hard, I felt as though this was unfair my loan modification was approved XXXX XXXX, 2014 however, I was not notified until early XXXX when I questioned this they informed me that my loan modification worker never sent out the paperwork nor informed me that my loan was even modified I then spoke to several supervisors and they were no help so when I made my payment in XXXX they applies it to XXXX then each month I was XXXX payment behind I feel as though this was too hard to catch up and then after XXXX months they raised my payment they said my escrow was short then raised the payment from XXXX to XXXX which now is another increase so now they are saying since my home is in active foreclosure due to some home repairs and unexpected auto repairs that I need to come up with the whole reinstatement fee and they cant offer no assistance for XXXX months. I want to know how a consumer gets into a new loan modification and the loan due to Wells fargo untrained loan representatives my loan is again in default.