WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is being filed as TransUnion continues to list an error in my TransUnion credit report. This is my 3rd time disputing this account with TransUnion. However, despite what court documents that I send them, TransUnion will not correct my credit report. Here is identifying information about me : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Credit Report Number : XXXX Errorenous Account on Credit Report : XXXX ( Account # XXXX ) Transunion is listing XXXX ( Account # XXXX ) as an account that was " included in Chapter XXXX bankruptcy ''. I have never had proceedings for a Chapter XXXX bankruptcy. The XXXX account was sold to XXXX and, as you can see from the attached forms from the Trustee regarding my Chapter XXXX bankruptcy, that account is currently being paid in my Chapter XXXX bankruptcy. It has been paid on since XX/XX/XXXX ( when I filed Chapter XXXX bankruptcy ). Citing the Fair Credit Reporting Act, I am asking that Transunion removes this erroneous information from my TransUnion Credit Report.
I have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those months  as 30-59 days  late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.
my complaint is with XXXX XXXX XXXX company I made a loan one time and encountered an abuse.It wasXX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to jack up the score.Then on XX/XX/XXXX I wrote them a letter how we can solve the situation and never received an answer.
My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.
I finance a new 2017 Nissan XXXX through Nissan motor acceptance company and was sold gap insurance at the time. Upon the totaling of this car, Nissan approved me for a new loan for another car and the dealership told me that Nissan Motor Acceptance was approving my new loan only because I provided the proof that my insurance was totaling the first car. I financed a second XXXX and my insurance paid the claim. However, this transpired in XXXX and I have yet to have this other loan removed and am receiving derogatory impacts upon my credit report. You and NissanUSA try pushing the responsibility upon dealerships and gap companies and I have also contacted my Senator in regards to failures from this department to help me.

I know have confirmed that Nissan Motor Acceptance is at the center of all of these delays and is destroying their own paying customer 's credit with apathy. They have failed to provide me, the customer with any documents on file with this company proving the pay off of a refunded warranty package, which was required by XXXX XXXX XXXX ( Gap Company ) Nissan responded to many inquiries by myself by saying they sent the documents to me and the gap insurance company ; however, as of today, the gap insurance company confirmed they have never received any correspondence since the claim was initiated. This refusal to help the customer has come to great harm to my credit, my ability to find safe housing in XXXX California where I am attending University and caused me great emotional and financial harm. I was never provided with the documents as a customer that I required regarding the Gap insurance sold to me by Nissan and refused any acknowledgment of my pains or their responsibility in any of this. They have lied to me about what I was buying twice and treated me poorly from the beginning of our business dealings. I will also be sitting Down with my XXXX XXXX XXXX XXXX in hopes of getting help filing suit against this unfeeling company.
In XX/XX/XXXX I fell on difficult times financially with my employment and my XXXX XXXX XXXX   was overdrawn. XXXX reported me to Early Warning Services , LLC ( EWS ) for mishandling the checking account. Since I was succumbed with debt, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This bankruptcy was discharged on XX/XX/XXXX. XXXX and EWS were both notified. The account was XXXX out on XX/XX/XXXX as a result of my initial dispute with both companies. However, EWS is still reporting negatively. This is hindering me from opening an account so I disputed once again advising that the debt was discharged by the US Bankruptcy Court and should be removed in XX/XX/XXXX. I was informed that the report is accurate and would remain on file for seven years. I disputed again in XX/XX/XXXX with same outcome. This company is not cooperative and providing inaccurate information about myself.
I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made.
My deceased wife passed away in 2011. I then found out I was a victim of identity theft. I went to the police and was cleared of all the fraudulent activity as well as criminal activity. I went to court when the banks were claiming that I might have used an alias and proved that I did not. TeleCheck is breaking the law by reporting information from a bank that is reporting to TeleCheck an account that 's already been proven by the police to be fraud and not belonging to me. When TeleCheck refused two remove this reporting hi then had my attorney send a letter to them. TeleCheck said that they could not discuss this with my attorney without a power of attorney even though that I gave permission for the attorney to talk to Telecheck to Telecheck in writing and on the phone. TeleCheck is breaking the law and trying to say that because the bank is reporting it to them they have a right to report it even though I prove to Telecheck that it was fraudulent. I 've given TeleCheck all four parts of 605b of the Fair Credit Reporting Act to show that they should remove that reporting of that fraudulent account. TeleCheck is acting Above the Law and claiming their policies overwrite the law and give them or right to break the law. My claim to them is that they have to follow the law and their policies have to abide by the law.
On XX/XX/XXXX I checked my credit score and come to find out I had a water bill that was paid. I never once received any notice to my residence, nor did I ever receive a phone call. I called The Financial Network asking questions regarding the collection and they were rude. Did explain anything to me and did not want to give me any information. I called once on theXX/XX/XXXXand also theXX/XX/XXXX and they didn't want to help me both times. She was abrupt and only cared how I was going to pay. I explained that I paid in XX/XX/XXXXand she mentioned we would not have it in collections if it was paid. Also, when I spoke to the individual within the company, she asked me if I recieved anything written in the mail and she didn't say anything after I asked her why wasn't I notified and given a chance to dispute the validity.
Wells Fargo was the servicing provider for our mortgage loan for property XXXX XXXX XXXX XXXX, XXXX, Maryalnd XXXX ( Loan # XXXX ) when the loan was sold to them from the lender we obtain the mortgage/home loan from. They claimed to have approved a modification for us several years ago. But failed to file the paperwork with the XXXX XXXX court. After 4 months receiving the approval from them claiming to be under a modification they sent us a letter stating we were not under a modification and will be foreclosed on unless the loan to update. When we called to confirm the modification after receiving the conflicting notifications a few representatives stated we did n't have a modification and when we would call again other representatives would state we did. When we received the notification from Wells Fargo that our loan is in default and we needed to call them to receive a modification soon because they would foreclosed on our house. We went through the modification process again and they sent us a denial stating we had a modification. When we discuss the particulars of the modification with another department they claimed we did not have a modification and needed to apply. Several months later after trying to get this straighten out we hired an attorney to assist with the modification. We then received several letters from them asking us to sign documentation they should have filed several years ago regarding the modification with XXXX XXXX XXXX. The documents stated that we could not sue them or take any legal actions against them. The forms would back date the modification loan to correct the loan which would allow us an opportunity to apply for a new modification. We called them regarding the documents and they stated we needed to sign the documents first and then we could reply for the modification to correct the loan and they would not consider a modification until the documents were signed and filed with the court. We signed the documents to be considered for a modification/correct the modification per our discussion with them. They made us wait 4 to 5 weeks until this process was completed. Once they verified everything was signed and filed with the court they sent us a letter stating they would not approve us a modification and would proceed with the foreclosure. They foreclosed on the house on XX/XX/XXXX and then purchased the property at the auction for {$100000.00} less than our mortgage loan balance. They sold the property through an on-line bid to someone on XX/XX/XXXX and extended the bid date to XX/XX/XXXX when they were able to get us to move out on XX/XX/XXXX because they had a female representative that kept coming by the house while we were at work that asked my children under the age of XXXX years old questions about living at the home and placed several notices on the door that we will be evicted and to call them ASAP. We contacted them and they offered us the cash for keys to leave on XX/XX/XXXX. When we spoke with Wells Fargo several times about getting a modification and to stop the foreclosure they stated it was a better business decision for them to foreclosure on the property.
My home at XXXX XXXX XXXX, XXXX Pa is schedule for Sheriff Sales on XXXX XXXX, 2015. Presently, I 'm in the middle of a refinance modification with " XXXX ''. 
In the past, since Citibank bought my mortgage company XXXX XXXX XXXX XXXX, Citibank has never attempted to work with me. Citibank Foreclosed on me when they had about a year of my mortgage payment that they processed in their possession but Foreclosed on me. I hired and was represented by the law office XXXX XXXX. XXXX XXXX was able to obtain the cashed check from the bank, but his office had to file a XXXX because of a foreclosure sale that was pending with the sheriff. 
I contacted the Pennsylvania Attorney General Office with a certified complaint concerning this matter via certified letter, but to date I have never received a reply from that office. 
In hind sight, I requested a copy of my deed from Citibank and a " '' QWR '', but to date the bank has never acted on my request nor did the bank replied me at any time. During a court hearing in XXXX, pa ( Federal Court ), the lawyers of Citibank were asked by the judge why my request for my " Deed '' / '' QWR '' was not attended to? The Bank Attorney 's replied, " All these documents are being computerized '' physical document are difficult to obtain. 
This on the part of the bank is a justice denied, not only delayed. This action on the part of Citibank also violates purely procedural rules to a level of State law. 
Because of the many constraints that was place on my financial condition among which was nature disaster, with no help in sight, I was encouraged to contact the Justice Department. I contacted the U.S Justice Department. In keeping with the Justice Department recommendations, I 'm contacting your office to kindly ask that you please use the services of your good offices to help me resolve the mortgage matter with Citibank. Citibank is XXXX of the banks that received tax payers like myself tax dollars as bid out money when they claimed to be " needed ''. in addition, Citibank claimed to be a community partner in rebuilding family and community through it 's many loans/ modifications and government program. Yet, I 'm a perfect example among many in my condition of a false publicity.
A short sale contract/offer was submitted to Ocwen on XXXX/XXXX/XXXX. Though a file manager was assigned on XXXX/XXXX/XXXX, and though I spoke and exchanged email with escalations, and though the file was identified as requiring a loan modification offer and denial in XXXX, the file has still not been deemed complete.
I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.
On XX/XX/XXXX I was served at my home at XXXX. Upon opening the summons, I received my first notice that a medical account I had been making regular payments on, was sent to XXXX XXXX XXXX and they were suing me for judgment for {$1000.00} plus attorneys fees and costs. Prior to this, I had still been making payments to XXXX XXXX and had no reason to believe my account had even been sent to collections, neither had I ever received written notice from XXXX XXXX showing a balanace owed for this account. When I called XXXX XXXX  XX/XX/XXXX at XXXX, I spoke to two different people and was told by the manager that this is what happens when you put a blind eye to your mail. Never have I ever received a statement of this account or any other notice prior to a summons. I tried to set up payment arrangements for even double what I have been paying to XXXX XXXX, but was told by the manager that if the amount wasnt paid by the court date the judgement would be entered anyway, so my efforts to resolve the issue out of court were unsuccessful. I have also filed a case with usps in complaint that I am not receiving mail, as was advised by XXXX XXXX to do. That case number is XXXX, filed XX/XX/XXXX at XXXX and is pending investigation.
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) continued to automatically bill our XXXX XXXX XXXX XXXX card ending in XXXX, even though we had cancelled our contract. When the attempts to fraudulently debit funds were denied by our credit card, the charges went to collections ( Affiliated Acceptance Corporation, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX ).
The company does not listen to repeated request to not contact me at work. They will call me on my cell phone and on my work line just to keep forcing the issue. This has been happening for about 2-3 months.
My complaint is about Nationstar Mortgage, which holds the mortgage on my primary residence. I recently set up for online autopay of my monthly mortgage. On XXXX XXXX, I noticed, upon checking my Nationstar online account, that the company charged me twice for my XXXX payment. I notified them promptly via the online correspondence form provided on the website. A few days later, I got a response saying I need to send them a faxed copy of my account statement showing that they charged me twice. I emailed them back and asked if they can just transfer that overcharge to my XXXX payment. Instead, they gave me a generic response saying a customer service specialist will contact me in 5 days. At this point, it 's already the end of the month and my XXXX payment will be due. I believe they are intentionally making it difficult for their customers to receive their refund and they are hoping that they can discourage their customers from demanding them to rectify these mistakes so they are inherently making customers pay extra for the loan interest. If it takes them a split second to charge me twice on my account, and this is their error, it is unethical business practice to delay refunding their customers. They should not be allowed to benefit from using online bill pay service if they are abusing this and victimizing their customers. While this is supposed to be a benefit for their customers, they have used it to steal money from their customers.
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Student Loans with stipends have not been dispersed, but we are being charged interest. We are not being provided any information about where our money is, other than we are in " receivership. '' The receiver does not have our money, but evidently it has been distributed by the Department of Education, but it has not been filtered down to the students. Students are being evicted from homes, cars are being repossessed, credit cards are not being paid ( meaning credit is being hurt ), people can not afford food or electricity. We need answers and help now!
XX/XX/XXXX, Closed on home and 1 acre of property. At the time of closing, the closing docs show yearly XXXX County, TX taxes at {$2000.00}. In XX/XX/XXXX, original loan was purchased by Amerihome mortgage company. Monthly payments were {$1200.00}, which included loan plus taxes, and insurances, projected for XX/XX/XXXX. In XX/XX/XXXX, Amerihome issued an over payment from the escrow account in the amount of {$1300.00}. Immediately called Amerihome, and they stated that all taxes and insurance were paid and that their records indicated our XXXX Co taxes are lower and this over payment was due to property owner. In XX/XX/XXXX, early XX/XX/XXXX, we were contacted by XXXX Co Tax Office via letter that our taxes for XX/XX/XXXX were not fully paid and they were going to put a lien on property if not paid in full immediately. The amount paid was only half to XXXX Co in XX/XX/XXXX. Immediately contacted Amerihome who initiated an investigation and determined that from XX/XX/XXXX ( upon buying the mortgage ), that they admittedly were not withholding the proper county taxes throughout the entire XX/XX/XXXX year. Their records indicated that property taxes were only half of the original amount, despite the closing documents reflecting, the annual taxes were {$2000.00}. We received a letter from Amerihome, dated XX/XX/XXXX after investigation completed, stating " escrow account is short {$2400.00} and must immediately be paid or monthly mortgage payment would increase to {$1500.00}. After several phone calls and emails to supervisors, no logical conclusion on why Amerihome 's failure to properly withhold the correct tax amount from the time they purchased the mortgage in XX/XX/XXXX, was reached. Amerihome has concluded that this is 100 % our fault and has offered no logical resolution, except, paying the entire {$2400.00} immediately, or spreading out the loss in the escrow account over a 24-month period, which has raised the monthly payment to {$1400.00}. Amerihomes failure to properly review and verify original closing docs, has now placed a significant financial burden on us, and the fact they have expressed no concern or remorse for their failure, has us now looking for a logical conclusion and resolution.
Debt acquired XX/XX/XXXX. Original Creditor ( GE Capital ) apparently is now known as Synchrony Bank. Either the OC or Synchrony Bank sold the debt in XX/XX/XXXX. Synchrony Bank XXXX who no longer owns the debt ) has contacted the credit bureaus requesting to review my file on the following dates in XXXX : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have no business inquiring about this debt any further. I have not authorized them to continue to harass me. I want them to cease and desist. There 's no valid reason for these actions.