WillisBack/dataset-financial-user-claim huggingface dataset:
Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running
I paid off my mortgage on XX/XX/XXXX to XXXX XXXX. The company has not released the lien on my mortgage. According to the Internet ( XXXX XXXX ), XXXX XXXX became Bank of America Mortgage in XX/XX/XXXX. I contacted Bank of America Mortgage, but they were not helpful. 
The lien on my property still needs to be released showing satisfaction of the loan.
XXXX XXXX i lived in the XXXX area of XXXX XXXX with XXXX XXXX in residence. i moved to the XXXX area and did my due diligence in contacting and and verifying the move and XXXX XXXX is working in new home. Everything was verified and XXXX was able to provide service. the day of re-install i was informed they can not provide service, when i call them i was told that service is available in my area but few condos have backward facing patios and are blocking reception. XXXX XXXX suggested that i pay for remaining 6 months and i owe this due to my contract. I have contacted them twice to install and same answer that they can not provide service. I tried to get my contract nulled base on the fact i should not pay for services that i will receive. i spoke with many rep and finally i asked for a manger i may speak with and was told " you will go no higher than me '' they have sold my debt multiple times on my credit, where some credit collecters were abusive some understood my issue and the following month i was sold to another collecter. currently i am under AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX {$270.00} i feel my contract is nulled when no services are provided. Under my contract i am responsible prior to a move to setup re-install and insure that service are available in the new home. I did all i was required. if i followed the [ policy and was told under their reprensatives yes, and i shouldnt be responsible to fulfill my contract if XXXX Can not provide services.
Wells Fargo strongly suggested that I open a business credit card account in order to maintain some features I had. I never requested they connect it to my consumer checking/savings. Why would you do that since the IRS frowns ( rightly so ) on co-mingling funds. Historically I kept enough of a balance in my saving in order to cover any overdrafts from checking. This happened and Wells Fargo covered the overdraft from the business card-a set up I never requested. It should have been easy to fix. Remove the charge from the credit card. Make a transfer from savings to checking to cover the amount. Why link a business card to a consumer account? For years I covered any overdrafts from savings. 
The txt files attached are text sent by WF secure email. I can only copy text before sending.
My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america.
I have a secured credit card with Capitol One, I had activity charged to my account in the amount of over XXXX dollars, and they closed acct, and issued new card, however the amount removed from bill ... they also did not re-install available credit amount that exceeds XXXX dollars
Transunion is still reporting a loan I have from the XXXX with 16 missed payments. I never had a single missed payment.
account # XXXX I have never been contacted by this company and they are reporting to credit bureaus I received notification from a credit monitoring service that this firm is posting a collection to my credit report in the amount of {$330.00}. I have never been contacted by them prior to this nor have any documentation from them supporting there claim, I had contact Florida XXXX and I don't owe any money to them
I have had auto debit set up with payments to this account through the lenders website for several years. However, the first 5 months of 2018 the lender has reported the payments where late. But the the lends payment history info I was provided from their website shows different, then what was reported on the credit report. I have documents from the website showing my account history and the payments being reported to my account on the lender website showing payments made. After seeing the late payments reported on my credit report by the lender, I contacted the lender ( XXXX ) about the reporting of my payments. When I called XXXX the conversation between the XXXX customer service representative and myself was conducted over a recorded phone conversation. After review and discussing my account, it was determend that the payments did not process. However, I was never notified the of the payments not processing. The XXXX rep said notices where mailed out and I should have received one in the mail. But I did not. After reviewing my information she asked to verify my address. At that time the rep told me sir I see here where the issue is. XXXX had a mistake on our system and we mistyped your street address, which caused the payments did not process for 5 consecutive month, and for you not to receive our statements we mailed. I will make those changes now. She then asked if I could make a payment for the amount of the payments not made, and if I did so the late payments reported on my credit would be removed rightaway, because of the mistyped info on XXXX. I then paid the full payment amount of the 5 payment not processed. I then asked her again very clearly if XXXX would removed all late payments reported on my credit. I asked the rep very clear again over the recorded phone call. The date this took place was XX/XX/18. The late payments are still on my report even with the full amount paid, as agreed. I contacted XXXX again and was told the late payments would not be removed and XXXX was not removing them. I filed a complaint to XXXX about this not getting removed and about the very very rude and disrespectful XXXX rep name XXXX I was talking to. I requested a XXXX supervisor call me. I then received a call from a XXXX supervisor who was all extremely rude and unprofessinal. She also told me that even though it was a mistake on Nelnets end and even though I was told by the XXXX rep when the payment was made, I requested to XXXX that she listen to the phone call I had with the rep when I paid the amount needed the payment made. XXXX did review the call and call me back, but told me XXXX had decked this was not going to change what they had reported as late payment on my credit. XXXX is without a doubt the rudest, and most unprofessional customer service reps Ive EVER spoke to. I would like to fail a complaint about fails advertisement, unprofessional customer reps and falsely reporting of credit. I have closed my XXXX account and moved to a different loan company, because of the level of rude and unprofessional reps at XXXX & failsly credit reporting and because of me being lied to by the reps at XXXX.
My home suffered damage in a recent flood. The insurance adjuster came out and filed a report on the damage. Checks were issued, but the bank that holds the mortgage, Penny Mac, was also listed on the checks so we had to send the checks in to Penny Mac for endorsement before we could access the money. We sent in all information that was requested by Penny Mac, but the money was not released. When we called to find out what the problem was, we were told that because the loss department had changed locations, our documents could n't be found so we would have to resend in the information. We were also told that there was another form that needed to be completed ( it was not in the original packet ) and would be faxed out to us since they could not email it. It would take 3 days for an approval on the fax. The fax never came. There was no record of the fax even being sent out and our money is still sitting in Penny Mac 's hands with no work being able to be done on the house. When asked to email information initially we were told that this could not be done, but after requesting a supervisor, we were told that it would be done. At this moment, we are still waiting for our money.
Loan servicer is Bayview. I 've been in my home for 12 yeasts, & Bayview has been the servicer for several of those years. I have had a modification done, but my loan balance is just as much as it was when I purchased the loan. When they received the loan, the balance was almost {$10000.00} less than it is today. The interest rate is still 3.00 %.
Hello, I am currently traveling out of the country in XXXX & kept my Chase Sapphire Preferred Card for this trip specifically given it doesnt charge any foreign transaction fees. However, doesnt seem to be a true statement as the math doesnt add up unless they build the fee into the transaction! For example, I charged an {$11.00} AUD transaction at approximately XXXX this morning, which after 5 minutes/upon arrival of the email confirmation ( set up for all international charges on this card ), I checked the conversion rate & it said the transaction should total {$8.00}, but the charge on my account reflected {$8.00}.  HIGHER than what it should have been, and although not by much, seeing as how Im making several purchases each day for the 3 weeks I am here, and the transactions leading up to this trip, it is a material amount! I was told no foreign transaction fees which I felt the potential annual fee might then be worth it, only to be deceived and them tack it on behind the curtain! Extremely unfair and extremely misleading when the math is not matching and no explanation is given. I reached out to chase support and they only gave a vague explanation and when I gave this exact/specific detail, all communication went silent!
For the past XXXX years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
In XXXX Chase Auto Loans reported to all three credit bureaus that they had charged off a loan with me and the loan now carried a zero balance. It remained so for 5 years, until in XXXX I disputed the validity of the chargeoff still being on my credit report because the original chargeoff date was actually in XXXX. In retaliation they changed the status of the loan to REPO/CHARGEOFF with a balance of {$15000.00}, which is more than was ever owed at the close of the loan. 

The loan had a protection clause ( which I paid extra for ) which was an insurance of sorts that ensured in the event I was involved in an accident that caused me to lose my employment the loan would be " paid in full ''. While I filed numerous papers with both Chase and the dealership ( XXXX XXXX ) to ensure this protection was invoked, Chase and I in the end came to the agreement that I would return the vehicle to them and they would charge off the remaining balance of the loan. This is why in XXXX the balance was charged off to a zero balance. However, the loan agreement actually came to anend in XXXX when I turned the vehicle back over to Chase. This is why I disputed the entry still being on my credit report in XXXX XXXX.
I have been trying to fix my credit report information with XXXX and TransUnion all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information
Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.
Creedence Resource Management whomever this may be is blowing up mine and relatives phones  non-stop up to 6 times daily after previous cease and desist request made and acknowledged by this company. Using multiple fake or spoofed phone numbers one being XXXX with no messages left.
Experian credit reporting agency did not remove 2 inquiries off my report that are now over 2 years old. The removal date was supposed to be XX/XX/2018. I just viewed my current report and both of them are still on there. I tried to call experian today but was unsuccessful in reaching an agent.
I have been consistently given false and misleading information/instructions from Seterus regarding my attempt at a loan modification over the past several months which has resulted in a potential foreclosure of my home, escalating late fees and severe emotional distress. I have literally spent the equivalent of DAYS on the phone with countless Seterus representatives. I need to waste time explaining the facts to them over and over while also being asked to submit the same documentation over and over again. Most recently, I followed the exact advice received from a Seterus representative on submitting my divorce decree as part of my modification packet. Following 8 months of review and further mistakes in handling of the documents by Seterus, I was informed by one of their supervisors that I should not have listened to their representatives 8 months previousand that the same documentation was required that I was told would not be required. Their pattern of blatant misrepresentation has caused me to lose sleep on most nights as I worry about whether I can stay in my home. I made all necessary trial payments for the modification and only waited to sign/execute the final papers last week when I learned of the newest swerve from Seterus. There is a foreclosure sale date of XXXX XXXX, 2016 and I am seeking immediate resolution in the form of the modification agreement that was originally agreed to. I have never formally complained about a company before in my entire life but I feel compelled to say that Seterus has by far the worst customer service I have ever experienced. They are either just inept or fraudulently malicious and I am shocked that regulators continue to allow them to be in business given the sheer number of others who obviously have had similar experiences.
I recently checked my credit report and noticed that this company has reported a debt that I have paid to another collection agency. It was paid to XXXX XXXX
I submitted a payment yesterday XXXX XXXX, 2016 to Loancare from my XXXX and XXXX online banking account ( XXXX ) in the amount of {$2200.00}. My loan number is XXXX. The confirmation number for the payment is XXXX. I checked today both online and on the phone with Loancare and they have no record of having received this payment, and thus the money seems to have disappeared. Under normal circumstances, I would be more patient and wait, but XXXX ) my loan is being transferred from Loancare to XXXX effective tomorrow, XXXX XXXX, 2016 and XXXX ) Loancare has failed to issue a statement reflecting my XXXX XXXX, 2016 payment for {$2200.00} ( see co-pending case # XXXX ). Therefore, I fear that something bad could happen and am very concerned about the whereabouts of the {$2200.00} paid on yesterday XXXX XXXX, 2016.
Last year I called to have the delinquent status removed from my credit report since my student loans were consolidated to another lender but Sallie Mae is still reporting it on my credit as being delinquent, and this was an account from 2005 that I have consolidated. Can you please help me to remove this delinquent status off of my credit because Im in the purchase of trying to purchase a house and different lender that check my credit for a home mortgage or credit increase are stating that I have serious delinquency on my credit but that was from then that is closed.
This is about XXXX and XXXX reps for cnac aka jd byrider. They call after and before collection hours are rude use foul lange and threaten me. They call text and email myself and the co buyer on the loan. They have even taken an unauthorized payment from an accou t that was not mine and then reversed it because it was not authorized. This company sold me a car that gas no air needs to be jumped everytime and then continue to harass me.
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX and XXXX XXXX we obtained sometime in XX/XX/XXXX.  Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Portfolio Recovery calls XXXX of times per month from unique phone numbers attempting to collect a debt. They refuse to provide proof of debt or divulge any information about the origin of the debt. There is also XXXX record of any potential debt on any of the XXXX credit agencies. This " debt collector '' is a scammer attempting to collect debt that is either so outdated that it is past any statue of limitations, or not actually the person that they 're attempting to collect from. 

I am an extremely detailed watcher of my credit reports, so I am 100 % confident this is not a valid debt whatsoever.
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him. 
After a few months he left the apartment and defaulted on the lease. 
Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month. 
I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
I have been called on my cell phone daily fromby an organization identifying themselves as CBE collections. They have asked for my husband XXXX and said they are collecting a debt and want extensive identifying information regarding him. I have asked each time for information on the alleged debt : Amount, Merchant. etc. Each time I have asked for more information the caller hangs up on me. The calls have originated from the following three numbers : XXXX, XXXX, XXXX. 
My husband and I have no outstanding debt. No collection notices. Nothing late and unpaid. 
Please do not share my mailing address with this organization. I was told I could submit this complaint without my mailing address. I am concerned this is an attempt to harass us or steal identity and I do not want to facilitate either.
Transunion has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX XXXX and XXXX and XXXX show me owing them money but they have refused all forms of requests fro validation that I have sent them and it is safe to assume that they probabaly dont have it right? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX, XXXX XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? Also XXXX is reporting a late date in XX/XX/XXXX that should have been removed by now.