WillisBack/dataset-financial-user-claim huggingface dataset:
My loan servicer is AES and XXXX. This debt has caused many problems for me and my family. My father cosigned for me on the loan, because I was young at the time. My father did not speak English, and still to this day does not speak English, does not comprehend, nor can read or write English. I was XXXX at the time this loan was signed. We both did not understand the terms of this loan. I had just graduated high school. Only been living in United States for six years. Neither of us understand the term of the loan. At the time we were in the understanding that we would pay back the amount borrowed after I graduated from college.
However when I graduated college, I noticed the amount of the loan has almost doubled. We owe more now than when we borrowed the loan. We borrowed {$29000.00}, we have paid back {$24000.00} and now looking at the balance of the loan, we still owe you {$33000.00}. I was making payments during my college years as well as after gratuating.
This contract is invalid due to The Deceptive Trade Practices Act ( DTPA ), because my father and I did not understand what we signed at the time of the contract, and I believe the worker was aware of the communication problems, but did not properly address it, or try to make us aware of what we were getting ourselves into.
Everytime I try to contact the loan servicers I get the run around, with out a real answer of how come I owe more than I borrowed after paying so much.
A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.
I have noticed unauthorized charges on my account statement from XXXX different companys.i I have never received goods or services from them.one from XXXX for the amount of XXXX and change and other from XXXX for XXXX and change.i tried to dispute it with the credit card company they ended up rebillling those charges.i am not going to pay for those unauthorized purchases.
I was pretty surprised to see a late payment reporting for me from XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement never got to me.
X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
I have submitted multiple disputes through the credit reporting agency and associated with unauthorized inquiries reporting on my credit report. I have been advised that the only way to have the fraudulent inquiries removed. I was advised that my only option was to contact the parties directly and request that THEY remove the inquiries. I contacted each of them and and was advised that they would need all of my confidential information ( name, SSN, DOB, address ) to 'research ' the reporting. While I was comfortable with providing my name and address - given my documented ( with the credit report ) history of identity fraud, I was unwilling to provide further details of my identity that would leave me once again vulnerable to identity theft. 

Equifax continuously refuses to correctly report information and further victimizes me by failing to remove the fraudulent inquiries.
Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.
Target Visa was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted Target, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.
XXXX did a hard pull on my credit without my authorization or knowledge on XX/XX/17.
Hi, I have been a serve member for a little bit, then early XXXX I recieve an email saying my account was suspended saying I violated the user agreement but did n't give any notice of what I did. Ok fine, that XXXX but if they do n't want me as a member fine. I called and was told I would receive a check for the balance within 10 business days I think it was. But it never came, I called again a few times and was told different things each time. I was told it was being reviewed and to wait 3 business days and call back and then one time was told there was 24 hours left in the review period and to call back afterwards .... anyways fast forward to now, they no longer give me any details just that the account is under review and that I might not get my money back. Wait, what? This has been going on for almost 3 months and now they wo n't tell me anything, I 'm hoping they will work with you guys.
My issue is with Transunion & some incorrect information that they are reporting in my file. They are reporting XXXX out of XXXX of my XXXX student loan accounts negative, when they all should reflect a positive status without any late payments. XXXX contacted each of the bureaus to correct my file on or around XXXX XXXX, 2017 stating that the late payments were an error due to me being in deferment. Transunion only updated XXXX of the XXXX accounts. Furthermore they are reporting a XXXX XXXX account that does n't belong to me. Transunion cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 'm attaching the letter from XXXX that I received which shows the information on all XXXX accounts should have been corrected & updated.
NCO Financial Services is robo calling my home at least 4 times a week including weekends. The phone number they are calling from is XXXX. I do not have any debt. These calls are annoying and I consider them harrassment.
We leased a car from XXXXXXXX XXXX of XXXX. At the end of the lease term we turned it in. The lady looked over the car and said we owed nothing. Subsequently, we got a bill from XXXX XXXX XXXX saying we owed {$430.00}. We called the customer " service '' line and asked for documentation showing we owed that amount. They never sent us any documentation. So we looked on XXXX XXXX XXXX  website and it showed that THEY owed US {$220.00}. [ This was 3 weeks AFTER they sent us the demand. ] We thought the matter was over. 

In XX/XX/2017, we received a letter from a debt collector saying we owed {$440.00}. We wrote to them and contested it, asking them to send us documentation showing we owed the amount. They sent us the same invoice that Hyundai had sent us in XX/XX/XXXX, which explained nothing. Subsequently, we find that they placed a negative item on our credit report. This almost cost us financing for a new furnace for our house and caused the state bar of Colorado to ask the co-leasee for an explanation of this negative credit report. 

Hyundais business practice was outrageous. They refused to show any documentation, other than an alleged invoice, to explain why while Hyundais website system shows they owe us {$220.00}, they still insist that we owe them {$430.00} AND placed a negative item on our credit reports. We do not like to owe anyone money, so we have always make payments on time. However, we also refuse to be the victims of paying any alleged unproven debt that comes out of thin air. 

All the documents we have are attached with this complaint.
annualcreditreport.com says it can not supply my free annual report by email " for security reasons ''. It had no trouble asking me to input all my personal information online, so why should it balk at sending me my own personal information online, via email? It does offer to send the report via regular mail but that appears to take two weeks and it requires the provision of even more personal information. We all know that this is just another invasion of what little is left of our privacy. Please do something to stop it.
American Express offered promotional financing on their website. I went to accept the terms, however, their website did apparently not accept those terms and I was never granted the financing I was offered and had accepted. I called American Express to address the situation and they acknowledged that I did accept the financing, but refused to fulfill their offer.
I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.
I downloaded check images because online messaging ( in XXXX or earlier last year ) said you 'd stop having check images available from switching to the new system. I downloaded everything at that time, but it looks like you had a trial period that lasted another month and the images were n't moved over to the rest of the month. I have images from late XXXX to XXXX missing. Basically all checks from number XXXX to whatever is now showing ( # XXXX ), is not available to download. Further, I/we ( with help from family ) requested help from online support and they tried to say it should be there, which is not helpful.
I bought a house XX/XX/XXXX using BBVA compass for the mortgage. Since that time I have been utterly amazed at how difficult they make it to make additional principle payments. I had my XXXX mortgage through XXXX and it was as easy as you would expect, I was able to adjust my monthly auto-pay to whatever amount I want and make additional principle payments as I desired. BBVA has policies that only allow the auto payments to be the base payment/amount owed, thus limiting the amount of principle paid. When I tried to make a XXXX from my outside account, it showed up as " unapplied payment '' when I called to ask about it I was told it would switch to " principle payment '' after the next cycle, it did n't. Now I have talked with them and the only way to pay additional principle ( that is even mildly convenient ) is to cancel auto-pay and mail them checks. They told me that if I set up a checking account through them it would be easy to make payments. What they did n't tell me in that conversation was that setting up a checking account would come with it 's own headaches. So, just to simplify the issue, I think the practices/policies of BBVA compass for mortgages auto-pay are designed to dissuade costumers from making additional principle payments and I view this as an unethical policy.
Our compliant is that Wells Fargo forced us into a loan modification and then denied our application AND our appeal to the denial of the modification. 

XXXX XXXX, Executive Resolution Specialist began the audit process against our home mortgage account, during this time he instructed us not to make a mortgage payment during his process. At that time, XXXX stated that our mortgage was 5 months in the arrears, when we were not ; when we were in conference XXXX XXXX XXXX XXXX - yes we admitted that we were 2 full months delinquent yet we continue to refute that we were never 5 months delinquent since the modification in XXXX XXXX. NOW after listening to XXXX we ARE 5 months delinquent AND we were just DENIED a modification and DENIED a modification through APPEAL. 

Our family home means everything to us and we are willing to do everything humanly possible to live here for the next 30yrs. Wells Fargo representatives has caused us into this spiral of hopelessness due to their inefficient handling of our mortgage file and cash payments. 

By the time XXXX finished his audit Wells Fargo should 've have allowed us to make payments toward our loan once XXXX returned his decision. 
We know that the following payments had been made until XXXX instructed us NOT to make a payment and FORCED us into applying for a MODIFICATION after notification from Wells Fargo came in stating that we were being FORECLOSED - we even received mailings from a Wells Fargo appointed Law Office : XXXX/XXXX/XXXX {$1400.00}, ORIGINAL MODIFICATION BEGAN XXXX no payment due - No payment was due this month XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00}, XXXX/XXXX/XXXX {$2800.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$5600.00} ; XXXX/XXXX/XXXX {$2900.00} ; XXXX/XXXX/XXXX {$2800.00} Total payments we made to Wells Fargo by XXXX/XXXX/XXXX were {$29000.00} ; which is almost 2 months shy of a full yearly payment of {$33000.00}. 
On XXXX XXXX, we were 2 months delinquent in payment. In addition, Wells Fargo shut down our ability to make any further payments to the bank in XXXX ALSO Wells Fargo Executive Resolution Specialist, Customer Care and XXXX XXXX, XXXX XXXX instructed us NOT to make any more payments until he finished the audit and instructed us to SIMULTANEOUSLY fill out a request for a loan modification ; even though our actual arrears were totaled at {$4000.00}. 

Lastly, we are NOT interested in a deed-in-lieu, short sale or the foreclosure sale of home, collectively without any doubt want to live in our family home for the next 30 years or more.
I was told by a XXXX XXXX representative, I was enrolled in a payment protection plan, I dis not requested in which I had been charged {$12.00} every month since I had my account. 
She ga bff e me a number to contact the program under the XXXX Bank at XXXX, I requested not to be enrolled in such plan, to receive my money back. The representative told me she did and that I will receive a letter and decision of reinsbursement in 30 days after my complaint, which was on XX/XX/2018 I had never receive such letter, I called back on XXXX XXXX, and the representative told me, because I did not received any response, the complaint will be submit again as a new one and now I have to be additional 30 days.

I asked her if they will keep doing this to discourage me, and her answer was, : '' You need to wait ''.

The number of complaint if there's really one, is XXXX
On  XXXX   XXXX ,  XXXX  I received a letter from lender,   XXXX   XXXX   that the ownership of my loan was being transferred to   XXXX   XXXX  , but that they would continue to service my loan.   On  XXXX   XXXX ,  XXXX  I received a letter from  XXXX  that the service of my loan was being transferred from  Fifth Third Ba nk effective  XXXX ,  XXXX ,  XXXX . This letter did give me an address to send in payments, but no  Fifth Third Loan  number.   It is now  XXXX   XXXX ,  XXXX  and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the  XXXX  payment and it did not recognize the loan number I was given.   Today I will get in my car  and drive   XXXX  miles each way to try and make the loan payment in person all because  Fifth Third  did not do their job of servicing my loan in a timely fashion.   Clearly, I and other members of the  American p ublic have other ways to spend my time then to deal with failure of  Fifth Third  Bank to do what    XXXX   XXXX     pays them to do.
Debtor is trying to collect a debt which I have no contract with this creditor. 
XXXX XXXX XXXX. XX/XX/2015 -- - {$350.00}
XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. 

I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX  year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. 

I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.
I have requested that the company cease and desist telephone calls XXXX times and that has been acknowledged by the company XXXX, but they continue to call. When I asked via email that they stop calls, they continue collection attempts but do not address the telephone issue.
Last week i was surpose to get my money in my rushcard account but my money was not in it. I called some many times. I would look on my account. To see if it posted and it is not. Now it the last week of XXXX and i still did not received my last week pay. What is going on. I need my money now. I know i have my money in the account but with the glitch and cant access my account i have no money now.
The agency ( J & L Teamworks in XXXX, CA ) I feel is practicing unfair practices in regards to collecting payment. They allow me to send in a check to pay amount due for free, but they charge me a " processing fee '' in the amount of {$12.00} dollars if I wanted to use my debit card, or {$3.00} to use a check over the phone, each time I pay. I just recently got married and so I have a new account meaning if I wanted to not be charged then I would have to order a whole new box of checks specifically for J & L. I do not usually use checks so I should not have to order them for the XXXX agency. J & L mentioned that I could write in my card information on the monthly statement, however they will not provide space to write it in. I am only able to pay {$25.00} a month, so the " processing fee '' is about half of what I pay each month. Your website mentioned that they are not allowed to charge interest ( which they are at 10 % annually ), nor are they allowed to charge any other fees unless specified in via a contract. I called to request a copy of a contract in writing, the agency however refused to supply one. I thought this was very odd, as well as unfair. If they continue to charge the {$12.00} dollar fee than I will be paying almost double of what I owe. This is ridiculous as my debit card is the most convienent way for my to pay. If I were using a credit card, then I would understand the fee, as credit card companies often charge surplus fees to the companes, but debit cards however are free, so they are making much more profit at my expense. I owe roughly XXXX dollars on the account, if I pay XXXX dollars a month, it should take 28 months to pay off. I If I were to let let them charge my {$12.00} per payment that would cost me an extra XXXX dollars putting my balance a little over a thousand dollars. That in turn would take me 45 months to pay off. That is an extra 14 months, that is an extra year, soley because of the ridiculous fees.
I recently was transferred from XXXX XXXX to Rushmore loan management. I have been trying to complete a loan mod with XXXX  for several months without success. They continue to ask for additional documents that were not required during the loan review process. It isn't until I call in that I find out that additional documents are needed to " complete my file ''. My escrow payment increased in 8 months after my loan was originated due to an increase in escrow was not accounted for at origination. I have worked to lower my escrow by decreasing my insurance payment and filing homestead. I asked XXXX XXXX to run another analysis but was advised that I needed to complete the loan mod process as my payment has increase again. I called Rushmore today to find out that my loan was not even coded that I am in the Loan Mod process nor do they have any documents received from XXXX. I was advised that I can resend the package sent to XXXX XXXX or fill out a new package. I also attempted to make a payment and Rushmore refused to accept a payment. Advising that I would need to bring the loan current or they would not take payment. I am trying my very best to make payment and try to get my loan mod and they will not accept payment. Rushmore does not seem to be interested in helping the customer but wants to take homes. I asked the associate if this was an investor guideline. He stated no that it was Rushmore and that I need to complete the Loan Mod process. How about if I do not quality, then Rushmore will have placed me further in default because they just do not want to take a payment? This is ridiculous and needs to be resolved asap.
I use an app called XXXX. It allows me to receive paycheck funds early by tracking my location to tell when I 'm at work or not and can get my estimated pay for the shift I worked that same day. When my direct deposit goes into my Simple bank checking account, they automatically debit my account for what I withdrew and allow me to take more out. They 've sent me several notifications saying that Simple bank is not updating and reporting transactions to businesses and services I have my account linked with as often as financial institutions are supposed to send them. This is causing delayed balance updates and proof that I received my direct deposit
I have submitted a copy of the returned letter to all  XXXX  Credit Bureaus via certified mail on  XXXX   XXXX ,  XXXX  ; regarding an incorrect address to a creditor named  XXXX , opened on  XXXX   XXXX ,  XXXX , asking for immediate removal due to invalid information on my credit report.