WillisBack/dataset-financial-user-claim huggingface dataset:
Santander has overcharged me fees on my loan. Charged me fees to pay for my loan online. When I filed a motion to the court under bankruptcy protection they provided a contract that did not belong to me and tila disclosure I did not sign. When we were to go to the hearing to object on the issue they repossessed my vehicle illegally with unlicensed agent in an unmarked vehicle the night before the hearing so I could not show up to the hearing. A violation of any law no matter how minimal eliminates the right to self-help repossession. I believe GAP coverage was added without my consent and authorization. Santander charged me a high-interest loan over what is allowed by law. Several states have already settled lawsuits on the same matters I have mentioned here. I am requesting that the matter be settled here and my vehicle returned my outstanding loan paid off as part of a mutual agreement. The vehicle has already been charged off. I will seek a class action and contact the attorney general to further address these issues and write a formal complaint if my situation is not rectified immediately. I will contact any and all state and federal regulators to further investigate the facts I have presented here.
Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.
Talk with bank of america, why my monthly payment since ( XX/XX/XXXX ) not reported to credit agency.Did file bankurpt chapter XXXX .Six years ago .late mo.found all this was happen when trying to refinance loan, No credit history.The bank said no reaffiartion agreement, But send a copy of it to bank ( XX/XX/XXXX ) since then bank said will take 10-12business days.Now bank said not file with county.working on it no time limit.All my paper work on file .Its like nothing is being done
In the time that I attended the XXXX program I was pressured to take out high interest private loans through Genesis Lending. During my time at XXXX I was pulled from class and not allowed to return until financial arrangements were set up. The loan officers would pull me out of class to go down to the financial aid office and fill out the electronic form for Genesis Lending to be sure that I was approved for additional funding before I was allowed to return to class.
I am writing this letter to inform Experian to remove all information pertaining to XXXX account # 's XXXX, XXXX, and XXXX. I would also like to have this company blocked from ever being able to report any information about me in the future. Although XXXX agreed to delete account # XXXX on XXXX XXXX, XXXX ( letter enclosed ), XXXX simply created another account number ( XXXX ) by rearranging the previous account numbers, and used my social security number to open another account with them on XXXX/XXXX/XXXX. XXXX alleges that I used a car for collateral to open this personal loan account on XXXX/XXXX/XXXX ( collateral letter that was notarized, is enclosed ). This information is completely false and illegal and should not appear on my credit report. I have been disputing XXXX since XXXX with Experian. For some reason my dispute letters were ignore and unnoticed. I constantly asked for verification of the account ( disputes information that was sent certified mail with return receipt or uploaded for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are enclosed. ) XXXX did not verify the account with me, after the dispute on XXXX/XXXX/XXXX, until XXXX/XXXX/XXXX! Even though the information that I requested was not received from XXXX, nor did Experian provide me with any information that they recovered. Experian continued to report that the information XXXX are reporting is accurate. Because of this negative information, I have been denied credit and have had high interest rates. It was my understanding that the company and Credit Bureaus had 30 days to verify the account information with the customer. I feel that my rights as a consumer have been violated with XXXX and Experian. At this point I have enclosed all letters indicating that no accounts should be reporting to Experian at all. I ask that Experian do not allow XXXX to report anything on my Experian report due to illegal credit reporting activity and to block XXXX from any reporting activity on my Experian report. This information has been sent to XXXX and Consumer Financial Protection Bureau. 
Please do not continue to allow XXXX to damage my credit with false and illegal activity.
On XXXX XXXX XXXX I contacted PNC bank in reference to a payment for my rent submitted XXXX/XXXX/XXXX electronically though a XXXX app. on the day of XXXX around XXXX in the morning I called customer service to inquire about the payment that was submitted because online it was indicating that the payment was not paid & it looked as if it was returned due to insufficient funds. I spoke to XXXX who reassured me that the payment had not been returned & it was either paid or still in the process of being paid. XXXX/XXXX/XXXX I received a letter from my rental property manager that they received the returned check and I was to pay not only the rent but a return fee for {$100.00} and a late payment fee of {$100.00}. Due to the wrong information that was provided XXXX/XXXX/XXXX Myself or my partner were unable to make the proper arrangements to avoid the fee that was accessed XXXX/XXXX/XXXX by the property manager. On several occasions have we spoken to the bank to get informed information on how to properly use our account & on several occasion has the wrong information been provided. The difference between the past & now is due to the lack of knowledge the rep ( s ) & as well as the local branches have it has caused us financial hardship.
The complaint is about Wrongful Reporting of XXXX Resulted in More Taxes and Suffering. 
Mr Cooper had given wrong numbers on my XXXX ( Box 5, MIP ) for the years XXXX and XXXX, which resulted in more taxes to be paid. They ended up correcting the XXXX for both years, but that was not proactive on their end and took me several attempts to convince them that they gave me wrong numbers. During the conversation over the phone, some employees referred me to some bogus, not-real IRS laws that don't exist, and when I asked for a reference to those laws, they backed out and tried to change the subject, and ended up connecting me to a manager. I have been trying to amend my XXXX tax return, but the allowance I wanted to use for XXXX MIP deduction has expired and no longer available, which resulted in me overpaying taxes to the IRS that I can't recoup due to their delay in correcting my XXXX 's. I asked to be reimbursed, but they declined my request. I had to send too much time researching and trying to amend my tax return, but it ended up time and money consuming, and worthless due to expiration of MIP deduction allowance. They denied responsibility and refused to help even though it was their mistake. I think that might have happened to many people most of which don't know. They did tell me that they updated the IRS on my corrected XXXX 's and that was all they had to to. 
The main issue is that I had my closing around XX/XX/XXXX, where Closing Costs included advanced payments of MIP and else that I agreed to pay at the time. I got my XXXX for XXXX in XX/XX/XXXX and they included only about {$120.00} of MIP paid which I thought was accurate, then I got my XXXX for XXXX in XX/XX/XXXX, which had about {$1300.00}. By reviewing Closing documents from XX/XX/XXXX, I noticed that what Mr. Cooper reported for my MIP in XXXX XXXX was wrong. I had contacted them several time via email and even phone calls, but they denied my claims since they were sure their numbers were accurate. I had to ask to talk several people to over the numbers and insisted that the numbers were wrong, which they started to question but started referring me to IRS law that did not exist to justify their wrong reporting.I ended up asking for verification and references for those laws, and that's when they panicked because they were in violations of some laws. They asked me to allow more time to investigate AGAIN and ended up sending me an updated XXXX for year XXXX with MIP ( box 5 ) amount of {$3300.00}. I am not sure if they did that to others, but the way they received my claim and lack of seriousness caused me lots of frustration and over payments of taxes. They declined responsibility and want me to take the burden of their wrong doing, including my time, money and frustration. 

I can provide more documents upon request.
I had just paid {$1500.00} XX/XX/XXXX, Santander Consumer USA Bank called on XX/XX/XXXX, robocalling me starting all day. When I called back the first service agent said I owed almost {$900.00}. When I asked how this could be when I was told that I was paid through XX/XX/XXXX, had just paid for all tow bills and that the rest of the fees were promised to be waived for me. There was no explanation as to the extra charges other than it was the repossession fees to which I replied, they were already paid and the rest were waived and that I had documentation as to who I spoke with to confirm this. I asked for a supervisor and was put on an indefinite hold. I called back, same scenario. I called back again, asked for a supervisor immediately, it was all one big joke to them apparently, because I could hear people laughing and partying in the background. Put on another hold. I called several times back more with no response whatsoever. The last recorded balance showed {$1200.00} owing, not the original {$800.00}, and not $ XXXX/month for the monthly payment which should not have even been due until XX/XX/XXXX anyway. They continue to call and harrass me starting at XXXX. I have been in the hospital due to this harrassment and it 's affects on my health. I just want it to stop. They have made no attempt to help me clear this debt only to harrass me endlessly calling from different phone numbers, etc.
We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up.
Good evening, I 'm making a class complaint i n behalf of many who have shared similar issues with Wells Fargo. I will provide a routine scenario : Customer has XXXX in their checking account. Customer attempts to purchase with their debit card a XXXX dollar item and the transaction is declined. Customer calls the bank and inquires. Banker at Wells Fargo states that their daily limit is XXXX dollars. Customer request a temporary increase. Banker attempts but comes back with an answer " Sorry sir, the computer will not allow me '' customer effectively can not access his money from his account. There are many people in this class that Wells Fargo has barred access from using their debit card even after full verification to make purchase. The debit card is the new electronic check but with restrictions that preclude good people from accessiing their accounts. Please investigate this issue.
Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.
I had an account back in 2015 that i used to cash checks. One day I learned that they manually canceled a check i wrote online to the copyright office without my consent so I immediately closed the account for that was a very personal act. A few months later I went into a location on the better side of town to discover it was never closed. I went through the closing process a second time after informing XXXX location what occurred. I later went into another location where the teller began to act funny when i told her my issue. This was the location near the university i attended. I believe it is a network of university students doing this to other students they observe on campus for politically motivated reasons.
I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012.
Multiple hard credit inquiries that have negatively impacted credit scoring. Credit accounts fraudulently being opened. Lack of process or procedure to safeguard against future reoccurrence.
In XX/XX/2016 I sold my home as a result of a divorce. My Ex wife and myself cancelled and paid all bills related to the home. XXXX ( Perfection Collection, LLC ) just placed a collection on my credit two years later stating that I owe {$950.00} when I have not owned the home for over two years and fulfilled all contractual obligations and payments beyond what I owed. How can it be possible to penalize someone for 9 months of service when I didn't even own the home? It is not a penalty for early termination, because we had the service for almost 4 years.
None of the categories provided by the CFPB for initial input of my complaint suited the particular facts of my complaint. The specifics are : I was sued by law firm for Plaintiff to collect on debt incurred by my ex-husband. They obtained judgment against me in the amount of {$1800.00} plus interest and costs. I have been making payments at {$100.00} per month beginning in XXXX, 2016. Nearing the end of payments I reached out to pay the balance by credit card calling numbers provided on pleadings related to the judgment and on their website ( XXXX XXXX XXXX ) over multiple days. I also left several messages but never received a call back to this date. I sent a letter with 2 months worth of payments ( {$200.00} - which still has not cleared the bank ) and a letter requesting they provide me with the balance owing so I could pay it in full. I calculate I owed about {$280.00} at that time. People who owe them money are going to have difficulty paying their debt if there is no way to contact them but by snail mail and there is no way to pay the debt other than check and the resources they references they provided on their website are not functioning. I am concerned that they are trying to extend or expand the amount I owe by not accepting final payment.
there are accounts and inquiries that dont belong to me they said they were to be removed due to fraud and they put a fraud alert on my file but these accounts are still on my file
I am getting repeated calls from a company call ed CMRE Financial ser vices saying they are trying to collect on a debt which does n't exist
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XX/XX/XXXX/XX/XX/XXXX ) it is over 3 years old.
I was in need of emergency dental work but did n't have the means to do so at the time.I went into my dentist office and was asked to apply for the care credit card/synchrony bank.I was told that it was an internet free card.As time went on and after making multiple payments I often noticed that my balance did n't decrease much over the years.They often applied late charges to my account even when I paid on time.They often sent my account to the credit bureaus after a week 's time or before the 30 day reporting period.I always disputed them with the credit bureaus and they removed them from my account.I was never told when signing up for the credit card that the interest was being deffered and that my {$1800.00} balance would now increase to {$2800.00}! I paid my bill on XXXX, 2015 in the amount of {$94.00} as stated on my bill.When I called to check the balance it stated that I still had a balance of {$2800.00} even after the payment which was paid on the due date.I then asked for a representative and he told me that my balance will never decrease because I am only making minimum payment due.I then asked for a supervisor and she repeated the same nonsense.She went further to say, '' if you continue to pay the minimum amount due you will pay off your debt in 15 yrs and will end up paying a total of {$7700.00}! She then said if you pay at least {$110.00} a month you will pay it off in 3yrs and will be paying {$4100.00} ''! Are you kidding me.I could n't believe that an {$1800.00} credit card limit would increase {$1000.00}! I had to research this company 's business practices after looking at the scam that was going on and saw that I was n't the only one feeling this way and saw that CFPB filed a lawsuit against them for these predatory lending practices.They are worse then the payday loan places! I hung up from the call after no resolve.I then took a moment and called them back to ask for the reimbursement form mentioned in the lawsuit because I never heard or received information regarding the lawsuit.They said my account did not qualify for the reimbursement in the lawsuit.I find it hard to believe when I got the card during that time period.I 'm fed up with being taken advantage of by these people and the injustice of it all.It is sad that they are taking advantage of people in need of immediate healthcare.Please help me get to the bottom of this issue.They dance around the questions each time I call.
On XX/XX/2016 we made a deposit to our checking account through the ATM that should have covered another check we knew we would be writing later that day. Our deposit slip from the local ATM branch DOES NOT state funds will be withheld or not immediately available at the bottom. The following day, I have an overdraft fee on my account that I can not understand. Online banking register shows the deposit being made several line items BELOW where the other check was processed, yet I am charged. Both transaction dates state XX/XX/2016 online and deposits are considered before withdrawals. In speaking with a bank rep over the phone, I am informed that online banking will display deposits on the date they are initiated and NOT necessarily when they are available. He offered to mail me a pamphlet explaining PNC deposit policy. My complaint? If PNC would instead make it crystal clear to their customers by displaying these deposit transactions by the processing or availability date instead of the initiation date ( most people know when they make deposits anyway ) many customers would then be able to correct these issues or modify their deposit methods. They could also consider displaying the " These funds are not immediately available '' clause at the bottom of ALL printed receipts instead of a select few further confusing the customer ... of course, PNC would lose money ... so ...
Scammed out of $ 9.000+ between XX/XX/XXXX & XX/XX/XXXX Discovered the extent of the scam upon my return from XXXX XXXX on XXXX XXXX XXXXScam began on XXXX website where I 'met ' XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXHe later asked for money for his daughter who was in SC in the care of his nanny XXXX XXXX. the funds were sent XXXX/XXXX/XXXX {$2200.00} & XXXX/XXXX/XXXX {$2800.00} via wire transfer from my bank Chase located in XXXX, WV to her bank XXXX XXXX in XXXX SC. 
Once I knew for sure that I had been scammed, I searched the internet to find out how to report this fraud.I contacted my Bank, filed reports with ICCC & the XXXX County Sheriff 's office. 
As of XXXX XXXX, Chase will not allow me to bank with them. 
On XXXX XXXX, XXXX Chase sent me my bank statement for XXXX XXXX. 
Today, XXXX XXXX, XXXX I am sending a consumer complaint to the WV Attorney General 's Office Attn XXXX XXXX XXXX, Mediator asking that my funds and banking privileges be restored as resolution.