WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint against SUNTRUST MORTGAGE in regards to the posting of my monthly payments since taking over my loan servicing on XX/XX/2018. My monthly statements are consistently reflecting 2 months of payments due. I have contacted the mortgage company every month to better understand why this is occurring, as I am submitting my monthly payments well before the XXXX of each month. Initially i received a statement for XXXX reflecting 2 months due for my mortgage ( XXXX & XXXX ). I noted a correspondence that stated my loan was sold at the end of XXXX, but no account information provided by new service provider SUNTRUST. I reached out to SUNTRUST to make an online payment prior to XX/XX/XXXX to maintain my account current. In the XXXX billing statement I understood why system generated the dual payment due as the conversion time being noted. However for the XXXX Billing statement did not understand why still showing 2 payments being due. I contacted SUNTRUST on XX/XX/XXXX and was told my billing cycle was occurring every XXXX of the month, as this was automatically set-up by the system. Additionally I had mailed hard-copy checks this month, as needed to make up an escrow shortage. Understanding this billing cycle I sent my XXXX payment on XX/XX/18 via epay for XXXX XXXX account. I visited the website again on XX/XX/18 only to see my payment not yet posted. XXXX XXXX show funds withdrawn from my account on XX/XX/2018. I spoke to XXXX with customer service and she explained my payment may show deducted from account, but it was probably mailed by XXXX XXXX so has not yet been processed. My XXXX statement has been generated already and is showing 2 payments due! Why is SUNTRUST system deliberating trying to access me with late payment statements?
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!
Debt for {$860.00} placed on all 3 credit Bureaus. I did not receive notice of debt.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see United revenue corp received it but nothing has changed. See supporting documents. even the USPS tracking. I sent it to the bureaus and they ignored it. Please help if you can thank you. 

XXXXXXXXXXXX
A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.
Thousands of dollars went missing shortly after opening a checking account with Wells Fargo national bank XX/XX/XXXX. on XX/XX/XXXX I received a notice for collection because my account was closed with Wells Fargo and I was indebted to them for {$310.00}. I am unable to open a checking account with any bank because of this. 

I noticed several issues when I opened my checking account. 
1- I was pressured to open a savings account as well at the time of opening my checking account. I never wanted a savings account, yet the employee opened one anyways. 
2- I was unable to access my account for at least a week after I opened it. When I inquired - the response I received was that the online system is down and I would not have access to my account. 
3- During the period my account was open, I noticed my address listed on the account was an old address when I used to live in Ohio XXXX However, I opened this account in Florida and have n't moved back since. 
I believe there was grave mismanagement of my account by Wells Fargo and I am requesting an investigation. This mismanagement has caused my account to incur overdraft fees because of bounced checks, late fees, and overdraft fees. 
My repeated requests to Wells Fargo went unanswered.
I went to my online account to initiate a funds transfer to my son 's account as I have done many times before. The screen said there were no accounts available for me to transfer to. After XXXX minutes of useless telephone menu, I gave up and hit XXXX continuously until I got a person. She had me log on again. same problem. She checked. when she finally returned she said the bank is updating its systems and has no idea when they will be available. My only recourse is to go to a branch ( I am currently too ill to drive ) and initiate a transfer from there. I do not have my son 's account number and will have to try to reach him. He needs the money for a trip. It is XXXX on a weekday. The bank should not be incommunicado at this time. I do n't know how I will be able to get this money to my son.
XXXX XXXX XXXX is reporting 4 Late Payments ( XXXX, XXXX, XXXX, and XXXX when I was never late or even with that company. This was fixed but has reappeared on my XXXX report.
I 've credited with bank of America. I lost my credit cards and also report to the bank and requested a new cards but never receive a new cards in mail. Recently I check my bank using online mobile app and it shown unnoticed balance as well with tremendous interest charge which I have no clue about.
EXPERIAN AND XXXX  ARE BIAS AND SHOWING FAVORITISM TO XXXX XXXX XXXX XXXX. I AM A SERVICE MEMEBER AND ARE DEMANDING THIS BE REMOVED AT ONCE OR BE SUED.
I am trying to settle the estate but the mortgage company will only communicate with the attorney. I have not received a statement in two years. I have called and written many letters.
This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.
I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX  verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is XXXX
I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/XXXX XXXX XXXX and compass bank to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not included on my credit report.
In XXXX of 2018 I re-enrolled in college. I have been, and continue to be current with all monthly student loan payments. On XXXX XXXX I received a notification via email from Navient that my accounts have been placed in deferment as a result of information received from myself or my school. The notification states that I am responsible for any interest that accrues during the deferment period. 

I did not request a deferment on my student loans as I intend to continue with my regularly scheduled payment plan while I attend school. 

I have contacted Navient to reinstate my regularly scheduled payments. I have also contacted my school to see what information they may have relayed to Navient. 

I feel that this is an unfair business practice. Placing repayments into deferred status and gaining from additionally accrued interest without consent from the account holder should be illegal. Navient has a long history of manipulating payment options to the detriment of the consumer. Their organization makes it very difficult to make additional payments and pay off loans early. Early payment is allowable under the legally binding agreement that is signed when applying for federal student loans. I have personally experienced this which is consistent with the overwhelmingly negative reviews left on their App. I encourage you to read the reviews for their app and organization on XXXX XXXX. 

This practice should be ended immediately. In addition, account holders should not be responsible for any interest accrued as a result of unsolicited and unauthorized deferments on their accounts.
I took out a personal loan from XXXX XXXX XXXX and paid it off in full onXX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Mortgage company is PennyMac. They failed to pay the XXXX, XXXX school tax bill, although it appears they paid the prior and also subsequent school tax bills. I discovered this a few weeks ago when I received notification from the XXXX, NY County Treasurer ( which included a threat of taking my home if this is not paid ). I contacted the school district after I was able to learn that was the unpaid bill ( the County Treasurer letter only indicated there were unpaid taxes ), who were very nice and informed me the XXXX, XXXX bill had not been paid. 

I have contacted PennyMac several times, by phone and through their website messaging center ( for which I log in to my account on the PennyMac website ). The initial written complaint to PennyMac was XXXX/XXXX/XXXX. The most recent attempt to get a result in writing from PennyMac was XXXX/XXXX/XXXX, in writing through their website again. I also called PennyMac today, XXXX/XXXX/XXXX. 

I have, as of a couple of minutes ago, had no response to the XXXX/XXXX/XXXX written message to PennyMac insisting on an immediate response and written resolution. In that same message I indicated I would pursue action through Federal legal AHJ if I did not receive a response and written resolution. 

Since I have not, herein I am initiating action through your Agency vs. PennyMac.
I have going through financial hardship and was unable to make my monthly American Express credit card payment. I contacted American Express and explained my situation. They told me they had programs available to assist with my certain situation but that I wasn't able to access those programs until I paid my account was current. I told them I didn't have enough money to get my account current and they still responded they could only help me if I was current. I reluctantly paid the minimum due, which meant I couldn't pay other bills that I owed, and then they said " Oh, I'm sorry, we don't have programs right now that can help you. '' Then, about one week later, they withdrew money from my bank account without my permission. I called them 3-4 times to get an explanation as to why and how they did this and they said they couldn't talk to me until my account was current. I again told them my financial situation and again they told me they couldn't help me unless my account was current. I wouldn't pay because, one, I didn't have any money to pay, and second, I wasn't going to let them do to me what they did to me the prior month. I want them to remove their finances charges and late fees and work with me to get this paid off. Now they have hired a collection agency to collect this money.
The Annual Credit Report site works well, Equifax always has a problem it seems. 

I did XXXX and XXXX, worked perfect. Equifax always wants you to spend money with them before they will give up the report, so they just make it hard. I can see the information from XXXX, attached screen and all I was going to do is add my employer. They ask really stupid " identity '' questions, I know I have answered all them correctly and even consulted XXXX and XXXX reports to cross reference their questions. There database is incorrect and then they want me to mail them a bunch of things, which they know I wo n't. If there database is such a mess, why not have a selection " We are having trouble identifying you and will mail a copy to your address on file '' Attached is screen shot of XXXX XXXX, both reflecting access to Equifax, then no employer reported. Hey Maybe you could get the to correct it since they do n't do their job. I have been at XXXX XXXX XXXX to present, XXXX also attached the screen shots from Equifax identity questions and then all the hoops they want me to jump through to fix their database.Please ask them to send me a copy of the address on file since XX/XX/XXXX, I would appreciate that
I disputed an account from XXXX XXXX XXXX saying it should be deleted .... the reporting agency updated account as oppose to deletion
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore the debt has not been validated, it must be deleted from all credit reporting agencies immediately.
Attention : Customer Service for PennyMac Loans Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because you have not applied my mortgage payment properly since XXXX XXXX. I made all payments timely ; however, my loan was reported adversely in XXXX XXXX. Second, my loan payment has increased over {$150.00} dollars without any explanation. As such, I am requesting a full accounting of my loan payment as I feel like Penny Mac is engaging in predatory practices while servicing my loan account. On XXXX XXXX, XXXX, I contacted your loan department and no account explain why my loan payment increased. A supervisor in XXXX lied to me and stated he would follow back up with me regarding my account. He never did and now I am being forced to make a payment I ca n't afford. Taxes and insurance are included in my loan payment and Penny Mac is not properly paying and/or accessing the proper taxes.I am requesting a full accounting of my loan account, all loan documentation to explain credit reporting and escrow payment increases. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within 30 business days. 

Sincerely, XXXX XXXX, XXXX
I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.
I filed for either Chapter XXXX, XXXX, or XXXX in 2011. I ca n't remember exactly which XXXX. However, I cancelled and the case was dismissed. I notice that it was on my credit reporting that I had filed for Bankruptcy. I called the credit reporting bureaus and was told to contact the Bankruptcy Department. I did and Bankruptcy stated they had nothing to do with what was on my credit report because they did not put it there and for me to call the credit bureau back, but they would send me a letter stating that the case was dismissed. 
XXXX and XXXX removed the Bankruptcy. TransUnion stated for me to fax/send the letter to them a again and they would remove it. I mailed the letter because their fax stayed busy. TransUnion received the paper work and now they are saying they ca n't remove it because whoever put it on there has to remove it. I told them THEY put it on there. I am requesting that TransUnion remove this from my Credit File. 
Thank You Very Much!!!
Credit alerts from Citibank keep appearing my XXXX  - XXXX account. The reason is mysterious and Citi refuses to provide useful information or any correction or removal. My inquiries and complaints by phone got nowhere ; both XXXX and Citi blame the other and neither knew what a " New Tradeline '' was. 

A postal letter to the department Citi advised ( attachment ~1 ) got a reply that essentially said " we're right, you're wrong, gripe all you like. '' ( Duplicate replies on XX/XX/XXXX [ attached ] and XX/XX/XXXX [ not attached as redundant ] ) ( attachment ~2 ) ./ A further inquiry asking for specific information got an irrelevant reply with no answers ( attachments ~3 and ~5 ). 

The attachments should be self explanatory. Please read in order of ~1, ~2, ... .. 

NOTE : The latest " New Tradeline '' in attachment ~6 appears to be my latest payment with the cents dropped, but the " Affected by natural or declared disaster '' is a mystery as applied to my area, but may apply to Citi 's offices. It's still a mystery why it would generate a " New Tradeline,  '' especially after the bill was paid.
OnXX/XX/XXXX, I sent a certified letter to Experian to dispute accounts on my credit report. In the letter, I requested documentation that they used to verify the accuracy of the accounts or unverified accounts be deleted promptly. Thirty or less days later, Experian sent a dispute result letter stating that the accounts on my credit report have been verified. However, they failed to send the requested documentation to verify the accounts. On XX/XX/XXXX, I sent Experian a second certified letter, again requesting documentation to verify the accounts or promptly delete all information that can not be verified. On XX/XX/XXXX, I received a dispute results letter, which yielded no new results.
I had a Court name change on XX/XX/2016. On XX/XX/2016 I tried to get a car loan and was informed that my credit was locked by EQUIFAX. I made a call to Equifax, the reason was my name did not match my XXXX. I faxed the required Documents requested, and was told XXXX to XXXX hours. on XX/XX/2016 credit still locked, refaxed. Finally on XX/XX/2016 I called again ( XXXX call ) They had received my documents, and updated my new name as I waited on the phone. THEN IWAS TOLD IT MAY TAKE UP TO XXXX DAY TO UPDATE IN THE SYSTEM. In this age this is not right. 
I am now XXXX week with out a car, and still waiting, because of Equifax. 
NOTE : XXXX and Experian already show my name change.
Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS