WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to try and settle my account with XXXX XXXX or Santander. They have failed to try and work with me. I have sent them Goodwill Letters to settle for what I knew I was behind prior to ME surrendering my vehicle. They did not initially want the vehicle back, they were trying everything to get me to keep the vehicle. At the time when the vehicle was purchased I was in need of a vehicle and they were just about the only place I could get a vehicle from without a high down payment. I thought I was able to manage a {$470.00} car payment, and I kept asking the sales rep, could I get the vehicle refinanced after 6mths or so t lower the payments or interest on the loan of the car. I was told yes, but after contacting XXXX XXXX I finally realized that I would need to keep the vehicle a complete year before I could think about refinancing. So that's when I realized it was either me lose my place or lose the car. I decided to call them and surrender the vehicle. They stated they would sell the vehicle at an auction. I believe it was sold for $ 10,000-11,000. According to a my credit report. But after that they never contacted me to work anything out. Now here a year plus later, they are damaging my credit ratings to the point I can't get loans or anything because it s sitting there reporting derogatory things. Every month the balance goes up and a comment is posted to my credit. This company would rather damage your credit rating than work with you on settling the account. And then another thing, they never tried to contact me anytime after the sell of that vehicle. I never received any mail from them, no phone calls or anything with settling the account. I also was not informed that XXXX XXXX was now owned by Santander until some recent post popped up on the internet. But they want to be know as a good and honest company who works hard for their customers. That is a lie, they work hard for themselves and no one else. Long as they getting your money and your credit rating that's all that matters. My advice to anyone who is the market to buy a car, DO NOT GO TO SANTANDER OR XXXX XXXX. They are nothing but the XXXX, and they do not care about you.
I have written 3 letters regarding Unverified accounts reporting XXXX times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX  transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
I recently sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES, LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES, LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES, LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS
ON THURSDAY X/XX/2017 I RECEIVED A DISPUTE RESULTS LETTER IN THE MAIL FROM EQUIFAX. I CONTACTED THE COMPANY BECAUSE OF THE CONFUSION THAT THEY HAD ON THE PAPER IT LISTED TWO ACCOUNTS WITH THE SAME ACCOUNT NUMBER ONE OF THE WAS DELETED BUT THE OTHER WAS NOT. I ALSO HAD TO HAVE A CONVERSATION WITH A REP BY THE NAME OF XXXX, A SUPERVISOR BY THE NAME OF XXXX AND A REP FROM THE " OFFICE OF CONSUMER AFFAIRS '' NAMED XXXX. I BEGAN TO ASK ABOUT THE VERIFICATIO PROCESS OF DISPUTES AND THIS IS WHAT I WAS TOLD. " THAT INFORMATION IS SENT ELECTRONCALLY AND WHATEVER THE CREDITOR SAYS THEY PUT T ON THE CREDIT REPORT '' I BEGAN TO ASK XXXX " SO EVEN IF THE ACCOUNT IF FRAUDULENT AND THAT CREDITOR SAYS ADD IT TO THEIR ACCOUNT YOU ALL JUST DO IT '' HER RESPONSE WAS YES!! SO I ASKED HER TO PLEASE TRANSFER ME TO A SUPERVISOR BECAUSE THIS INFORMATION COULD NOT BE RIGHT. WELL XXXX THE SUPERVISOR CONFIRMED THIS TO BE TRUE. THE DIFFERENCE S THAT XXXX WAS VERY APOLOGETIC AS IF SHE KNEW THAT WHAT THEY WERE DOING WAS WRONG BUT THAT SHE WAS JUST FOLLOWING THE RULES SET BEFORE THEM. THIS LADY KEPT APOLOGIZING TO ME. I FELT SORRY FOR HER SO I HUNG UP WITH HER AND CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND I WAS AND I SPOKE TO A GUY NAMED XXXX. HIS REPSONSE WAS " IT WILL VERIFY AS ACCURATE EVEN IF IT IS NOT ACCURATE '' THIS IS DISTURBING. FAST FORWARD TO ME HAVING TO CALL THEM AGAIN AND I GAVE THE REP MY CONFIRMATION NUMBER AND SHE LOOKED UP THE INFORMATION AND I ASKED HER IF A CERTAIN ACCOUNT WAS DELETED BECAUSE ACCORDING TO THE ACCOUNT NUMBERS IT SHOULD HAVE BEEN DELETED SO SHEWAS SNAPPY AND I ASKED HER TO TRANSFER ME TO HER SUPERVISOR AND SHE JUST LEFT ME ON HOLD. SO I CALLED BACK AND ASKED TO BE TRANSFERRED TO THE OFFICE OF CONSUMER AFFAIRS AND A GUY NAMED XXXX ANSWERED. I BEGAN TO TELL HIM HOW XXXX XXXX XXXX  SHOULD NOT STILL BE LISTED ON MY ACCOUNT BECAUSE THEY SENT OUT THE INFORMATION TO ME AND THEM TELLING ME THAT THEY HAD SENT THE CREDIT BUREAUS THE INFORMATIO TO DELETE THE FRAUDULENT ACCOUNT. SO I ASKED HIM ABOUT ANOTHER ACCOUNT THAT THEY SAY THEY " RESEARCHED AND SAID WAS MINE AND I ASKED HM WHAT WAS THE PROCESS AND HE TOLD ME THAT HE COULD NOT DISCLOSE THAT INFORMATION TO ME!!! NOW ON THE LETTER THAT EQUIFAX SENT ME IT SAYS THAT IF I REQUEST I WILL BE TOLD THE PROCEDURE OF VERIFICATION BUT CAL DENIED IT ALSO IT SAYS IN THE FCRA THAT I HAVE A RIGHT TO ASK AND RECEIVE NFORMATION ABOUT THE VERIFICATION METHOD. EQUIFAX HAS CONTINUED TO DENY MY RIGHTS AS WELL AS BREAK THE LAWS OF THE FCRA. I AM CONSIDERING MY LEGAL RIGHTS AT THIS TIME BECAUSE THINGS ARE NOT LINING UP AND SURELY NO AMOUNT OF MONEY IS WORTH EQUIFAX GOING AGAINST WHAT THE FCRA LAWS SAY. I WILL NOT CONTACT THIS COMPANY AGAIN BECAUSE I AM TIRED OF HEARING ALL OF THE THINGS THAT THEY ARE NOT DOING. THIS HAS GONE TO FAR. FCRA 611 GIVES ME THE RIGHT TO ASK AND KNOW ABOUT THE VERIFICATION. AND THE ONLY REASON I CAN THINK THAT THEY WILL NOT GIVE ME SUCH INFORMATION IS BECAUSE THEY REALLY DO NOT DO AN INVESTIGATION.
keep getting calls from XXXX asking for someone else. 
They will not stop calling at all hours or they do not believe that person is n't there/
The dates displayed in the open columns on the XXXX  & XXXX credit reports do not reflect the actual opening dates. Additionally, the 2 accounts listed under XXXX XXXX XXXX are listed as joint accounts when they are in fact individual accounts. The actual opening dates are much older than what is reflected on the reports. Despite disputing the dates previously with the credit bureaus, the only change has been newer opening dates. This is incorrect reporting. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Regarding Experian credit report, the data recorded is both vague and confusing. Accounts are listed as closed with no payments or further status updates, accounts are also listed as closed with unknown payment status, and missing dates & balances. The dates listed are incorrect and many are listed as more than seven years old. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately. 

Overall, all three bureaus are reporting accounts closed that are well over 7 years old,  with inaccurate balances or payment information missing. According to the Fair Credit Reporting Act of 1970, these items should be removed immediately.
Since XXXX XXXX, 2017, I have been disputing a fraudulent account on my credit report with Central Financial Control ( a.k.a. Syndicated Office Systems ). Syndicated Office Systems continues to ignore my correspondence and instead states the account is in there " Disputes Department '' the same response I have received for the last 3 months. The Customer Service department refuses to transfer me to speak to them directly and instead states that I must send all correspondence via US mail which I have on several occasions. Today I have sent over 6 letters only to receive a computer generated response stating they are unable to clearly read my Drivers License ; this is incorrect I have sent clear copies of my drivers license on several occasions. I have a police report on file regarding this account and have also filled out a Identity Theft Report with the Federal Trade Commission. All documents have been sent via certified mail and fax on several occasions. Syndicated Office Systems is illegally reporting this account on my credit file and is doing everything they can to avoid removing the account. This is illegal! I will attached all copies here as verification of what was sent to Sydicated Office Systems.
I originally had service with XXXX XXXX  for my business. When the alarm broke in XX/XX/XXXX, they sent a sales guy out who signed me up for XXXX XXXX. Apparently the two companies were merging. XXXX continued charging for services they were no longer providing from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX began billing for services in XX/XX/XXXX. 

Since XXXX was already set-up from before, it continued to auto-pay against my credit card. I immediately called both XXXX and XXXX  XXXX on XX/XX/XXXX to point out the overlap and request a credit from XXXX - which I would then use to pay XXXX XXXX. The credit that XXXX agreed to was {$270.00}. 

I have been waiting since XX/XX/XXXX for this alleged check that they have issued to arrive. Since then I have called XXXX  and XXXX XXXX again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update them of the situation. 

The entire time that I have been doing that, XXXX XXXX has reassured me that they were fine with the delay in payment and understood the situation. 

I have been receiving repeated calls since XX/XX/XXXX from a collection agency named Virtuoso Sourcing Group, XXXX. I finally found out that they were actually calling on behalf of XXXX XXXX. I explained to the gentleman on XX/XX/XXXX after they called twice in a row what the situation was and to stop calling me. He agreed. I have since gotten two more calls from them, this time from an agent named XXXX. When I explained the situation to her and that I was upset they were not stopping, she asked for written evidence of the situation. I agreed to email it to her but she refused to give me her email address and ended up hanging up on me. When I called the number back to talk to a supervisor and sort this out, the recording said that I was calling during business hours. It is unfair and shady that they can call me but I can't call them back after they hang up on me, or that I was unable to send written evidence of the situation when she refused to provide her contact information.
On Monday, XXXX XXXX, my XXXX XXXX XXXX XXXX was towed by XXXX XXXX from my place of work. This is the third time this has happened and I have NEVER gotten a phone call, email, or snail mail warning me of any late or missed charges. Thinking that this was my fault, my wife and I called XXXX XXXX as soon as possible to settle the charges. We paid {$2000.00} on one transaction ( confirmation # XXXX ) and {$970.00} on the second transaction ( confirmation # XXXX ). We completed these transactions with XXXX on Monday evening, who told us that she would email our information over immediately so that we could get the car the next day. We were promised email confirmations, and we received no such confirmations. We also spoke with XXXX XXXX, who sympathized with our situation and offered to pay for the tow payment on behalf of the company. He claimed he put this as a note on our account. The next day, I called at XXXX PST as instructed to learn where my car had been towed. I was told that the paperwork was never emailed over and that I would have to wait. I called later that day and was told it was at three possible tow yards and could take up to 48 hours to be released. How is it that the company that took the car does not know where the car is? Finally, I discovered where it was. Upset with the situation, my wife called XXXX XXXX again, explained the situation to the customer service rep, and got transferred to a manager, XXXX. XXXX told her that the payments had not been made and that my money was now theirs, fees included. She asked him multiple times if our account would be cleared after this fiasco and he danced around the subject and refused to give her a straight answer. Again, how is it that the company will not tell me when my account will be balanced? I do not want this to happen again. XXXX then continued to tell her that they call me every day telling me that I am late, but, looking through our phone records, there are no such calls. We have never been warned of late payments. Finally, when I got my car back an hour ago at a tow lot in XXXX XXXX, I noticed the " check engine '' light is on, the shift makes noise, and my center console is broken. None of this was off before the car was towed. Also, when I got to the tow yard, I had to pay to have my car released, which is not what XXXX XXXX promised us on Monday. When I called to inquire as to why they did not do as promised, I spoke with another supervisor who told me that XXXX does not have the clearance to waive fees like that and that we were responsible for all payments. We feel cheated and lied to. We are responsible people ; my wife is a XXXX and I am a XXXX XXXX XXXX XXXX XXXX. We have steady incomes and are able to make our payments. We are not asking for much. We just want the fees removed since this was obviously not our fault and we want a warning before such serious consequences happen. This has absolutely ruined our holiday and has put our lives on hold. ( Note : as of XXXX PST on Wednesday, XXXX XXXX, we have still not received ANY emails from XXXX XXXX nor any phone calls or any other communication with the company other than the phone calls we have made ).
XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. 

These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!
After submitting an complaint with  North American Credit Service-Mail  on  XXXX / XXXX / 17  regarding collections being placed on my credit with no proof of  VALIDATION  they responded in  XXXX / XXXX / 17  with a letter agreeing to removed the for  XXXX  but not the  one  for  XXXX . I contacted them via phone regarding this issue twice. They told me that because  XXXX   XXXX  is my daughter and her paternal grandmother took her to the doctor in another state that they would not removed from my credit and they would send me the agreement her grandmother signed. Well when I had not received the paperwork I called the company back they tried to make me give them all of my personal information I then advised them they needed to read the information that they have in their systems and I will let them know if its correct or not. THEY HAD ABSOLUTELY NOTHING correct Address phone etc. I then told them that since they did not have the correct information they could not Verify nor Validate the debt before they submitted it to the credit bureau. The gentleman then gets upset and tells me let HIM TALK AND DO NOT TALK OVER HIM because I refused to provide him with anything other than my name because his company should already have it if they Validated these collections. I then asked to be transferred to someone that will have this removed d ue to 1 ) Her father   XXXX   XXXX   XXXX  and his mother  XXXX   XXXX  signed those for ms 2 ) I do not have a contract with them nor the hospital 3 ) T hey were NEVER able to validate and verify the debt. and that it is against the law for them to place that collection on my credit. The guy told me to hold and hung up the phone.
I am a rush card memberOn XXXX XXXX, 2015 funds that were on my rush card disappeared! Due to a system issue with rush card my funds havent been available to me for close to a month now! Everytime I call rush cards customer service and ask about my money and where it is they hang up on me! I just want my money the money that I worked hard for and because of rush cards unprofessional business my gas and lights were shut off! Im not planning to file a lawsuit against this company because they will not release my money!
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have been trying to arrange an income based repayment plan since XXXX of this year yet nothing is processed. I continue to get delinquency letters, my interest is piling up, when I call I talk to different people who see that I have applied but no action has been taken. My last contact indicated that I should wait about 3 weeks for a bill to arrive for {$5.00} which I should pay, then my program will start. Nothing is arriving except multiple delinquency notices. I tried to set up direct debit so I could make automatic payments and a notice arrived that the entire past due payment will be taken out of my account! I had to go to my bank to set up an alert so the payment will not be processed.
XXXX XXXX was told repeatedly at peerless credit to not call my work number. He proceeded to contact my work 2 more times after asked not to. I am not allowed to receive personal calls at work and this is a violation of my employment. My wife asked him to leave a message with her and she would forward it to me because of the work policy and he told her that he was not allowed to leave messages, even though he left two messages with the secretary at my work. Giving his name and who he was trying to contact. Also threatened us after we questioned him about policies in Pennsylvania about the debt and history of it ... he told us we owed the full amount in 10 days or we were going to be sued for it. 

He called my wife twice at XXXX XXXX and again at XXXX. No messages left. He called me on my cell twice the same times XXXX, XXXX, and XXXX. He also called my employer between those times twice and left messages.
I have a XXXX Credit Card that I use once, maybe twice a year. I recently learned that although I had paid my account balance in full after my last purchase, I had several late charges on my account and my account was past due. 

The reason for my delinquent account was that, without any notification, XXXX had been charging me a monthly " minimum interest charge '' of {$2.00} ( their defacto interest charge on a XXXX balance ). Each month I was not aware of this {$2.00} balance, they were charging me an additional {$27.00} late fee on top of the {$2.00} balance. My account is now 3 months past due and I 'm afraid that this nonsense will negatively impact my credit score. 

To me, this is an extremely devious trick and practices like these should result in a company being fined or punished. The entire concept of an " interest rate '' is dependent on a principle balance. Without a principle, THERE 'S NO INTEREST! Completely unacceptable business practice. 

Thank you for taking the time to read my complaint. 

XXXX XXXX XXXX XXXXXXXXXXXX