WillisBack/dataset-financial-user-claim huggingface dataset:
All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, Experian, XXXX and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.
TRANSUNION REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE REPORT
Selene Finance LP is the service company for FHA mortgage originally produced by XXXX XXXX XXXX XXXX XXXX  XXXX. I am the third party purchaser, assigned by a court order on XX/XX/2018 in XXXX County Florida. 
After properly service Selene Finance with proper court order, deed and original loan documents, I have made several calls in order to obtain payoff amount and to make a payment. I understand this property is in default, but as a third party purchaser ( and a finance company on its on ) we had nothing to do with the default on the loan and now trying to correct it. Selene Financial keeps ignoring the documents provided to them and will not give any information regarding this mortgage or allow us to make a payment towards the account. Their claim that they did not received the documents is false and can be easily proven. Selene Finance is not motivated to assist in resolving this mortgage for obvious reasons, the property was sold right under them while they still has interest in it. However, there is no reason why now, they could not provide the proper information is outlined by federal law. I have advised the agent at Selene Financial on every phone call that " This call is on a recorded line '' they acknowledged that the call may be recorded and yet kept providing extremely hostile response.
In spite of the fact that month by month I 've been lowering the balance on a particular credit card, the credit-card company charges me ( minimum paymen t ) more  and more each month. I tried calling them to ask them to reduce the minimum payments per month, but I got a run around and was told " It 's because the interest charged goes up each month. '' Yes, that 's true, but that along with any charges on my card is covered by each month 's minimum payment. They wo n't listen to me. Now, I am on a very low fixed income, and though some months I have had some extra earned income, the last few months that income has dropped to nearly  XXXX , thanks to the economy. My last payment to this card, on  XXXX / XXXX / 2017 , was {$200.00}. After paying that and other bills on  XXXX / XXXX / 2017 , I have almost nothing left to cover my food, medications, and other necessary expenses for  XXXX . I desperately need help in holding those payments to no more than $  XXXX /month for a while, less if possible. Can you act as an intermediate or ombudsman to help in this matter?
I got a pre-approved home equity letter from Freedom Mortgage Company ( XXXX XXXX ) of NJ. They made this offer because " I am a XXXX and a home owner. But I 'm not a XXXX. I worry they soliciting people under the guise of " thanking a XXXX. '' I have the letter if you wish to see it. Thank you.
I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that XXXX will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if XXXX does not honor the terms of the loan.
I have had my student loan payments set on direct withdrawl since XX/XX/XXXX. Payments have been being deducted from my account every month since then.On my bank statement the descriptions for the payments are " Direct Withdrawl, Deparment Education Student Ln. '' Nelnet has been trying to contact me for months. They would call and leave vague messages " Hello this is XXXX from Nelnet please give us a call back at .... '' Knowing I was making payments via auto deduct and noticing it comes out of my bank account I never thought anything of it. Finally I awnsered and they told me my account was past due and to make a payment. I got on the phone with customer service and they had me check and see if I had any other loans and if another loan servicer who may be getting the payments. Went on the department of education website and verified that my only loan servicer is NelNet. For the past 6 months ive been going back and forth with NelNet giving them every piece of information I can give them to try and reslove this issue. They seem to believe the mistake is on myend somehow. Ive given them my bank statments, banking info, and transaction ID # 's trying to track where the money is going, I believe I have undeniable proof that it is some error in thier system. 
1. ) Last payment recieved by NelNet from me ( according to them ) is on XX/XX/XXXX. On my bank statement for this transaction it says Direct Withdrawl, Department Education Student Ln.  Same as all the other payments that they " arent '' receiving. 

2. ) Even to this day if I call the NelNet customer service line the voice prompt will do an account overview while youre on hold and the voice promt will say " We recieved your last payment of {$100.00} on XX/XX/XXXX '' But on NelNets website and according to everyone ive spoken to on the phone they say my last payment was on XX/XX/XXXX. 

3. ) When logged in to the NelNet website I can click " Payment Profiles '' once I click payment profiles my checking account pops up and below that it says " Manage Auto Debit '' Not knowing if that popsup for everyone I asked someone in NelNet customer servie to see if this was a standard icon and he verified that it should only say that for people enrolled in auto debit but he also said im not enrolled so why would it says manage auto debit on my end if I wasnt enrolled? 

I dont see how so many things arent adding up on thier end and they keep making me try and prove myself when they have so many red flags within thier system. Ive shared all this infromation with customer service at Nelnet and they have forwarded to other departments trying to solve this issue and ive given them all the infromation I can give them and this issue and it hasnt been resolved for over 6 months. During this whole debacle theyve been reporting me to the credit bureau and it has tanked my credit score. I got married in XX/XX/XXXX and my wife and myself wanted to start house hunting and havent been able to because my credit score tanked bacause of this and im not getting anywhere after months and months of back and forth with Nelnet. Please help I dont know what other action to take. Thank You.
On XX/XX/XXXX and XX/XX/XXXX I applied for two separate credit products ( XXXX XXXX and XXXX ). Both were denied due to " not being able to access Equifax credit report/no data returned ). 

This is the fifth time I have experienced this issue. Equifax has eventually resolved it in the past, but it has happened yet again. I have no security or fraud freezes on my reports.
I had Hail damage Summer 2016 in Colorado XXXX. I have turned every XXXX of the insurance checks over to my Mortgage Company. I have submitted all the required notarized Lien Waiver 's from the contractors. The Mortgage company has subcontracted the Loss Draft portion to another company, which have been very rude and difficult to work with. The mortgage company acknowledged that their subcontractor was not cooperating and appointed a person at their Corporate office to help, to date this person has tried to help, although the subcontractor is not working with her either. I had an inspection from their inspector and he said 95 percent of my work was complete. I have outstanding bills to be paid and they are not releasing the funds because they are saying 5 percent of the work has to be completed. The 5 percent outstanding are the XXXX, which may not happen until the weather in Colorado warms up. Several of the bills are over 30 days late to be paid. I hope you can help.
My account was sent to an attorney for past due assessments while i was trying to obtain a loan modification with the bank. It is still in collections but its now a collection agency thats charging me fees and interest every month even though I am making payments every month. I believe that the fees are excessive. Ive complained and they say its the HOA thats charging. I believe that there collection fees are too excessive and Im being threatened with foreclosure by the agency if Im late. I was sent a copy of all the fees and Ive already paid almost {$XXXX} in fees my past due assessments are {$XXXX} and the collection cost and interest and late fees are {$XXXX} at this rate Im never going to pay it off.. please help
I fell behind on the mortgage payments because there was no more overtime at my time between the years of XX/XX/XXXX and XX/XX/XXXX. Since this I have lost my job as my job was relocated. I am seeking employment. I have tried for numerous modifications from the mortgage company ( Chase JP Morgan ) and they have denied me with no options. I have lived in my home since XX/XX/XXXX. I do not want to loose my home.
SPS is violating California State Law and Federal Law in the handling of my short sale for my property. 

Complaint # 1 - Denied Access to Relationship Manager. 
1. ) When I call SPS I have been repeatedly denied the ability to speak with my assigned relationship manager XXXX XXXX at XXXX. When I request to be transferred to her by the automated system I am sent to the Customer Service department. When I request the Customer Service representative to speak with XXXX XXXX I am told that she is not available. When I ask to leave her a message I am informed she does n't have voicemail and there is no way to reach her other than for the Customer Service representative to send her a task. Most Recently XXXX XXXX at XXXX denied me access to my Assigned Relationship Manager. 

Complaint # 2 - Violation of HAFA short sale timelines and intentional delays to defeat my rights to short sale my property. 
1. ) On XXXX XXXX I called for an update and was told that the short sale was on hold pending documentation clarifying the names between the listing agreement and the settlement statement. 
2. ) On XXXX XXXX I emailed the documentation to SPS which included an updated Settlement Statement, a copy of the Trust Documents clarifying the trustees and the grant deed showing the transfer from our personal names to our trust. 
3. ) On XXXX XXXX I called to make sure the documents were received and was told they had been received but not processed. 
4. ) At the end of the week of XXXX XXXX I called again and was told the Settlement Statement was reviewed but the other documents were not reviewed. 
5. ) On XXXX XXXX I called and was told that all documents had been reviewed and the file was complete and being reviewed by underwriting. 
6. ) On XXXX XXXX I called and was told that the short sale was denied on XXXX XXXX since the buyer had been changed and a new file would need to be created. The new buyer contract had been sent more than a month ago yet on none of the calls that I had placed in XXXX did anyone from SPS mention that I would need to create a new file. 
7. ) On XXXX XXXX I called SPS again and opened a new short sale file by speaking with XXXX XXXX. He also said that XXXX XXXX is going to call me back within XXXX hours. 

At this point after more than a month of SPS delays I am about to loose my XXXX buyer on this property. My XXXX buyer walked away after waiting 45 days for short sale approval.
My Name is XXXX XXXX and I have a mortgage with chase my loan is XXXX and I lost my job and I fell behind on the mortgage. I am request assistance.
I am been working/attempting to work with Citi Mortgage on loan modification, now short sale since XX/XX/XXXX. In summary, Citi has denied any loan modification, put me in foreclosure 2 times, denied my appeals, denied an options at a court appeals hearing. I retained a lawyer to help with no outcome. I retained a company to facilitate the short sale process since XX/XX/XXXX to current. Citi Mortgage keeps asking for the same nonesense paperwork month after month to delay the process. They say confliciting information, They keep my file in one department ( retention ) for 6 months saying they want me to keep my home yet they put me into foreclusre 2 times during this process and I am forced out of my home. In 6 months of this year ( XX/XX/XXXX ) we started the short sale process, I found a buyer and the file still till this date sits at Citi mortgage. They refuse to move to the short sale department. Citi gives every excuse, keeps asking for trivial paperwork, and keeps me in the dark during the process. As of today, XX/XX/XXXX, Citi now has refused me to speak to my single pointn of contact saying they are switiching account reps and will get back with me. Citi refuses to give me names of supervisors, of phone numbers and excellation department information. I obtained a short sale approval from my Junior Lender, XXXX XXXX XXXX in 3 weeks start to finish. We submitted the approval letter to Citi and they are not working it. I have attatched copies of emails over the past 1.5 years that I have been seeking help thru Citi. You can see the pattern of repeat questions, saying they never received my documention when they did, putting me in foreclosure while they state my file is in retention and they want me to stay in my home. I have been unable to get my file escalated to a short sale in 6 months. Mu point of contact until he refused to answer my questions as of today and told me He will no longer be my contact and my account is being reassigned yet aggain ... .XXXX XXXX , XXXX. XXXX ext XXXX. I worked with XXXX XXXX on a rentention program in XX/XX/XXXX for 1 year and was denied, and they denied my appeal. XXXX. The law group handeling the foreclosure is XXXX XXXX XXXX XXXX. The lawyer I hired to help me originally obtain a retention program was XXXX XXXX. I have now obtained XXXX XXXX with XXXX XXXX XXXX who has been trying to work with Citi daily ince XX/XX/XXXX to obtain a short sale on my behalf. They /citi now refuse to access my file and answer all/any questions about my account effective today. I am asking for help. I want a short sale of my property. Citi will not facilitate. Total time workingn with Citie is now 1.5 years. All documented with my attatched documents and emails.
I have my credit frozen at all three credit reporting bureaus. On XX/XX/XXXX, I received " XXXX XXXX XXXX XXXX XXXX '' credit card issued by the XXXX XXXX XXXX. The card is administered by XXXX ( who appears to be the primary problem as all correspondence and billing is completed by XXXX, not XXXX XXXX XXXX ). I did not order or apply for this card. I contacted the company and inquired as to what this was and they indicated it was the credit card that I applied for. I never applied for this card. They asked if I had made purchases at XXXX XXXX on XX/XX/XXXX in XXXX, Illinois. I indicated that I did not and that I was out of Illinois travelling for work all day. I requested that the card be closed and a reported as fraudulent. They closed the account. On XX/XX/XXXX, I spoke with the XXXX Fraud department and reported the card as fraudulent and inquired as to how they could issue a credit card to someone with frozen credit. They indicated that they did a " soft pull '' and that allowed them to issue the card. I am not sure what a " soft pull '' is or how that would be adequate to open a credit card with a {$7500.00} limit in someone's name with frozen credit. On XX/XX/XXXX, I received a bill for {$6200.00} for purchases at three separate XXXX XXXX stores. Fraud affidavit filed on XX/XX/XXXX - awaiting response.
Back in XXXX of 2013, I came in to contact with a company called XXXX XXXX talked with several people. I do n't remember all their names but XXXX was the last one I spoke with. The bottom line was that I could quickly be found on the first page by XXXX Search, that I could finance the costs and make money to pay off the finance chargers. They asked me how much I wanted to make per month and I said {$4000.00} to {$5000.00}. They said that would be no problem. After signing the contract, I became very disappointed in the first coach : XXXX ( XXXX & lt ; XXXXXXXXXXXX & gt ; ) It just did n't seem like he knew what he was doing and it became obvious that he did n't have a successful online business. I was switched to XXXX ( XXXXXXXXXXXX ). He was better but was really grouchy. I offered my complaints about XXXX XXXX and a few other issues. He did n't want to hear about them. The start with him slow but we finally got to a point where he started on the website. He and some helper made a first pass and then asked for changes. I provided a list but there was no action. Once then all of a sudden he was gone and the XXXX was shut down. I had a partially built website that was incorrect in many ways. I contacted XXXX and with their help built the website myself. To date, the entire operation is a loss. I feel taken advantage by this company which is in cahoots with several other online businesses scammers, they prey on unsuspecting consumers these career criminals even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I feel that this falls under the claims and defense guidelines that state that you have anywhere from 365 to 540 days to respond, if services were not rendered as described. I have tried to reach out to the merchant on several occasions, but it was to no avail. I really need my credit card company to look into remedying this situation. I need this to be taken care ASAP.
I keep getting cash net sending me invoices on a loan never got I think my information was hijacked and attached to false loan
I attempted a purchase with a merchant for XXXX. The merchant denied my purchase because there were XXXX numbers in the CVV instead of XXXX. The merchant attempted to run the payment XXXX times which put a hold on my account for a total of XXXX. I called the institution ( Amex Serve ) and was told it would be 8 days unless I contacted the merchant and had them get ahold of them to authorize a release. Well I then made a conference call with the merchant and Amex. I was told that because they spoke to the merchant that my funds would be released within 48 hours. Well the 2 days passed, and my money was not released. I called Amex back, and was told that that was not the case. I was told that the tech I had previously talked to lied to me and that no matter what it would be 8 days no matter what. I asked them why I had been told so many different things by so many different techs, and they could n't give me a straightforward answer. Friday will be the XXXX day, and now I fear that my funds still wo n't be released at that time.
XX/XX/XXXX I made a transaction from my RushCard a bill pay transfer to my XXXX XXXX count of XXXX XXXX dollars I received a confirmation with said that it will be processed and deposit into my XXXX XXXX count on XX/XX/XXXX as of today my XXXX dollars has not been received at the actions that I have taken was I had to conference call with RushCard and even sent emails and reference to this was a sure that within 24 hours I should received an update or refund on my account I have not received either
Today ( XX/XX/XXXX ) received a letter from XXXX XXXX stating that my XXXX XXXX account had been sold to XXXX XXXX XXXX with a balance of {$930.00}. The number for XXXX XXXX XXXX does not provide a contact. Synchrony admits that the number provide is incorrect. XXXX XXXX refuses to provide any information on why there is an account balance. XXXX at XXXX XXXX advised that the only option was to talk to the collection agency ( XXXX XXXX XXXX ). At that point XXXX also advised that there was no supervisor/manager/director available to talk to and repeated that the only option would be to talk with the collection agency. 

The last bill received was in XX/XX/XXXX for {$230.00} which was paid by XXXX XXXX Bill Pay - sent on XX/XX/XXXX with confirmation number of XXXX. No subsequent usage of the credit card was made nor were any subsequent bills received. During today 's call XXXX XXXX   confirmed that they had the correct mailing address for my account. As there has been no usage of the account and no bills received there should be no balance. Regardless of that without a bill showing the balance there has been no opportunity to challenge any invalid charges. 

I have also found that the card is blocked and online access to the account is also blocked.
I am an XXXX XXXX veteran. I have been considered XXXX XXXX XXXX XXXX by the Department of Veteran Affairs ( VA ) due to my XXXX XXXX XXXX, effective XX/XX/XXXX. On XX/XX/XXXX, the U.S. Department of Education and XXXX ( XXXX Discharge ) approved my XXXX XXXX XXXX XXXX ( XXXX  ) discharge application of my federal student loans on the basis of my XXXX XXXX XXXX XXXX. Copies of the aboved documentation were sent to Navient and XXXX XXXX via certified mail on XX/XX/XXXX. Thereafter, numerous telephone requests to cancel the remaining outstanding balance of my student loans indebtedness due to my XXXX XXXX XXXX were made to Navient. I also sent an email to XXXX, to no avail. On XX/XX/XXXX, I sent a second certified mail to Navient requesting that they discharge my student loans and to report to the three ( 3 ) credit bureaus that my accounts have been paid in full. To this date Navient has not taken action on my requests. As of today, XX/XX/XXXX, Navient website shows that I owe a total balance of {$22000.00} ( Account # XXXX ). Further, the loans balance continue to show on my credit report.
Military Star has reported with negative remarks of 7 missed payments and current deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30/60/90 days reported on last reported date XXXX 2014. This account is reporting as open. THIS ACCOUNT IS CLOSED AND WAS FILED UNDER BANKRUPTCY which was discharged in XXXX 2014. I attempted to contact Military Star in regards to this matter with no resolution.. Please remove this negative information.
I recently filed a complaint  Caine and Weiner. They responded that they sent a letter. I did not recieve such letter or I would of asked for a validation/verification and then in turn, pay if the debt was validated. This is a violation of my rights. How can they lie and get away with it. I will exercise my rights and then they will owe me.
I, like many others, had my personal information compromised as a result of the Equifax security breach that occurred sometime around XX/XX/XXXX or XXXX of 2017.