WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of. 
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.
i became XXXX with a XXXX told synchrony bank to activate d XXXX insuramce they did n't answer me! instead they sold the acct to a collection agency this fraud
I received the letter I have submitted today from a company called XXXX. It says the original creditor is Beneficial ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
SKIP TRACING TRYING TO LOCATE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, KEEPS CALLING XXXX, XXXX, XXXX, ETC. IGNORED CEASE AND DESIST LETTER AND DO N'T CALL REQUESTS IN VIOLATION OF FDCPA AND TCPA. HAVE PHONE RECORDS AND WELL DOCUMENTED FILE.
Please know this is a formal complaint. I am writing you because of my sheer disgust in how I am being cheated by XXXX  XXXX. It is my hope that someone here in the US can get this matter under control now. When I purchased the car In XX/XX/XXXX I was supposed to begin payments in XX/XX/XXXX, statements attached. However, I started to pay in XX/XX/XXXX. My payments are due on the XXXX of each month and late payment charges are which are only about XXXX are not to begin until the XXXX day after the due date. I have paid more than the amount I was supposed to pay each month but, yet I keep getting charged a XXXX late fee. I dont owe a late fee and the late charges are not XXXX per month. I need someone to straighten this out before I make another payment. I called to complain over and over finally, a XXXX in your escalation department somehow got the late chare taken off for XXXX only to be placed on my account for the XX/XX/XXXX due date. This is ridiculous. Also, I dont know what country your representatives are in, but I can tell you they are liars and they are rude. Again, with the escalation department I spoke to a woman who said her name was XXXX on XX/XX/XXXX, she just kept repeating that I owe a XXXX late charge and I kept telling her I did not. When I asked to speak to someone in the US she told me that the US office did not have the power she had, but that she would put me through to the US office. She placed me on hold and never came back. I am not paying a XXXX late charge I dont owe. Before I report this to the XXXX, please have this straightened out and the funds I have paid to your company appropriately placed to my account.
In XXXX/XXXX I was asked to make large payments of over {$450.00} per month. At that time I made less than {$12.00} per hour and I was the sole supporter of XXXX kids. I asked for a income sensitive or hardship payment plan and they said they do n't offer those and my only choice was ; pay the large bill, default, or go into forbearance. So, I took the forbearance and interest kept building. I went into Chapter XXXX and stayed in it to protect me from the collection that would happen if I did not. I begged for Hardship forgiveness but was told it was not possible. I have paid off my ch XXXX and they immediately started demanding a large payment again. Navient says I am in default, which is not possible since I just got my XXXX discharged. I asked again for lower payments and they put me into forbearance without ever discussing that with me. I complained about their billing and I was told they were going to place a hold on my account and return my call with the results of their investigation. That 's when I received a letter informing me I had been put into forbearance. I was also then directed me to a website outside of their company to request a lower payment. I received another notice 7 days later saying I will now owe an additional {$30000.00} in interest! This must be a mistake, but why is this happening? They say I now owe more than triple my original loan amount. All I wanted was a reasonable payment but I still do not have answers and they are reporting me as default when I am not. They are reporting negatively on my credit even after I was told they were working on my account. It 's affecting my credit.
I had a few collections on my credit report and after I looked into them, to find out what they were about, (  XXXX   XXXX  ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor (   XXXX   XXXX   ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around  XXXX   XXXX  ). I called the collection agency  ( Transworld Systems ) and told then  what I was told by  XXXX    XXXX   billing dept and they sad " sure if they (   XXXX   ) agreed to remove it we can ''. On  XXXX   XXXX  I paid Transworld for both of the collections  ( One  for {$70.00} and the other for {$230.00 } ).  I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from   XXXX   the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?
XXXX has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX
I recently received a copy of my TransUnion credit report and saw some inquiries I did not authorize. Following advice from TransUnion, I wrote letters to each of the creditors on the account requesting they provide me with verifiable proof the inquiries were mine and are legal. It is my understanding that the Fair Credit Reporting Act, 15 U.S.C. 1681g gives me the right to review all documents in my account at the time of request that is being reported on my credit report. I also understand if they accounts can not be verified, they should be removed immediately from my report as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Unfortunately, the letters to the creditors are unsuccessful, as have the multiple phone calls I have made to them. None of the creditors replied or provided me with verifiable proof of the inquiries as required by law. I have now asked TransUnion to remove the inquiries, but the TransUnion reps have been very rude to me during my attempts to resolve this matter, including yelling, hanging up, and failing to respond to my questions ( they merely repeat what was previously said ). The failure on their part to protect my credit report has me deeply concerned as to the other information they are not protecting. All I am asking is for them to contact the creditors that initiated the inquiries and have them removed if they can not provide verifiable proof. Since the creditors are not responding to me, I feel TransUnion should do their part in protecting my information and reach out to them. My husband and I are trying to purchase our first home, and the unverified inquiries on my TransUnion reports are affecting my creditworthiness. The following inquiries are unverified and I have provided the dates in question : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX via XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX/XXXX/XXXX Please contact TransUnion to get this matter resolved quickly. If you have any questions regarding this claim, please do not hesitate to contact me via email or USPS mail. I look forward to hearing from you with the matter resolved.
I PAID MY ACCOUNT OVER 8 MONTHS AGO, AFTER BEING TREATED IN A HARMFUL MANNER BY THE STAFF. THEY WERE PRACTICING UNLAWFUL DEBT COLLECTION ACTS. I DO NOT EVEN BELIVE THAT MY ORIGINAL BALANCE AWAS ACTUALLY OWED. THEY WOULD NOT TELL ME OR PROVIDE ME WITH ANY PROOF THAT I ACTUALLY OWED THE DEBT AND THE ACCURATE AMOUNT. I BELIEVE THAT I WAS OVERCHARGED AND IN REULT OVERPAID! THE REPRESENTATIVES WOULD OFTEN GET VERY RUDE AND EITHER HANG UP ON YOU FOR ASKING REASONABLE QUESTIONS OR TRANSFER YOU TO A VOICEMAIL NO ONE WOULD ANSWER. THEY THREATENED ME WITH TAKING THINGS FROM ME FOR NOT PAYING AND THAT I COULD GO TO JAIL FOR IT. THIS ACCOUNT STILL HAS NOT BEEN REMOVED FOR MY CREDIT, ALTHOUGH I HAVE BEEN TOLD BY AT LEAST 3 PEOPLE THAT IT WOULD BE! I HAVE CALLED AND COMPLAINED NUMEROUS TIMES! I HAVE BEEN LIED TO BY THE STAFF ABOUT THE PROCESS! I HAVE NOT EVEN RECEIVED MY REQUESTED PROOF OF PAYMENT! THIS ACCOUNT SHOULD HAVE BEEN OFF MY CREDIT & I SHOULD HAVE HAD A RECEIPT OF PAYMENT BY NOW. THIS IS A VERY SHADY COMPANY. THEY SHOULD NOT BE ALLOWED TO DENY OR FAIL TO PROVIDE A RECEIPT THAT THE CUSTOMER ASKED FOR OVER 8 MONTHS AGO - NOR FAIL TO PROVIDE ANY PROOF OF DEBT OWED. THIS COMPANY IS TELLING LIES OVER A RECORDED PHONE LINE AND THAT IS ILLEGAL. OVER THIS RECODED PHONE LINE, THEIR STAFF OPENLY STATES THAT THEY DID NOT DO THEIR JOB PROPERLY IN RESOLVING THIS.
hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks.
I have a mortgage with Wells Fargo Home Mortgage, I wrote my check for payment in XXXX 2017, An unknown person changed the amount on my check from {$2000.00} dollars to {$3000.00}. XXXX dollars without my approval. The check was processed for the changed amount on XXXX17.
Reference Complaint # XXXX. 

XXXX has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

XXXX is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?
OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.
I recently pulled my credit report and have found errors on the report. I have contacted the company several times through letters and phone calls to no avail. The FCRA states that the only permissible purpose for pulling credit is a ) a firm offer of credit b ) insurance c ) eployment d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. I have also requested that they update my address to my current address and they have not complied.
I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.
The company called me at work asking for resolution. Obviously I am not in a position to do so or I would not be in collections. I explained my circumstances and today see they had attached additional fees. I cant help anyone in my debt situation unless they are willing to work with me. My husband passed unexpectedly and I am inundated, Im doing my best, would they rather I filed bankruptcy and no one gets anything?
I was informed in early XXXX that my loans would go into repayment soon because my school notified the clearinghouse that I went below part time when I in fact did not. I have been enrolled part time since 2014. I called my school 's financial aid department and filled out an enrollment verification and the clearinghouse should have been updated of my part time status. I was provided with a copy of the verification. I received an email last week stating my AES account was still delinquent. They informed me that they were never made aware of my part time status and that to their knowledge I was still attending under part time. I spoke with a woman on the phone who said that my account could be deferred and that I would have to sign a paper coming in the mail. AES proceeded to deduct {$300.00} from my account the following day. I expressed to them in prior conversations that I am enrolled in school and am currently unemployed and can not afford to pay my loans at the moment and they still deducted money anyway. I was told by AES that I signed an authorization a few years ago allowing them to auto debit my account. My other qualm with this whole issue is that I was under the impression that I go into repayment 6 months after classes end, if they were made aware that I was no longer part time ( even though I am ), why was I not afforded that 6 month grace period? My checking account was overdrawn leaving me in a precarious situation with XXXX children to care for and living on XXXX income.
ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.
Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.
I contacted them about a Fair Credit Report Act matter. Instead of addressing the concerns, I received a letter stating that my account is no longer being services. I attach a letter with more details.
On or about XXXX/XXXX/2017, Chase bank unexpectedly closed my checking account after being a good standing customer of theirs for nearly 15 years. For over a month they have been holding my funds of {$6800.00} in my checking account and not releasing it to me. These funds include deposits I made in my account as well as my salary from my employer. 

There is no kind of levy, seizure, garnishment, etc. on my account and the only explanation they 've provided me so far is that they are looking into it. I initially spoke with a XXXX XXXX at XXXX and he did not provide me an explanation as to why my funds have not been released back to me. It has been over a month that they are holding my funds and I have not been able to pay my rent or any of my bills. I find it utterly appalling that this could even be legal or allowed for a national bank to do. I am hoping I have not be defrauded as I have read several similar complaints online against Chase bank. Any help you would be able to provide me regarding this matter would be greatly appreciated. 

Regards, XXXX XXXX XXXX
I 've contacted XXXX, XXXX, Transunion, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, XXXX, Transunion & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Leading up to XXXX 2017, I received communication from Navient Corp, that I would need to start making payments on my student loan for which I have absolutely no problem with. Included in the email correspondence was a link to their website, for which I took time to navigate and become familiar. Their website offers interest rate reductions if you enroll in their auto pay program. Accordingly, I signed up for that online in XXXX 2017. Furthermore, to ensure I was properly enrolling in the auto pay program, in order to receive the interest rate reduction, I scheduled an appointment with a Navient Corp representative, for which occurred on XXXX XXXX, 2017 at XXXX. The representative confirmed that I was enrolled in the auto pay plan, and that I should receive the interest rate reduction. On XXXX XXXX, 2017 I noticed I still had not received the interest rate reduction promised on their web site and verbally by the customer service representative, even though I have been making my payments as promised. I contacted Navient Corp by email on XXXX XXXX, 2017 explaining the aforementioned. The response I received was from a Navient Customer service rep telling me " You must be enrolled in auto pay to receive the interest rate reduction ''. I responded on XX/XX/XXXX and XXXX XXXX, 2017 explaining that I had indeed enrolled in the auto payment program, which I confirmed with a representative over the phone. I checked again on XXXX/XXXX/17 to see if they reduced my interest rates, which they still have not, and my balances are still accumulating at the higher rate. I am very upset and feel like they are doing this deliberately.
Furthermore, I asked the Navient Representative if I could apply for an overall interest rate reduction on the balances that I 'm being charged close to 7 %. She told me " No, our hands are tied and the rates are set by the Federal Government ''. I told her I could n't afford these high rates to please reduce them all to the 3.6 % rate I have on one of my loans. Again, her response was " No, we ca n't do that ''.
My name is XXXX XXXX. Phone number XXXX.