WillisBack/dataset-financial-user-claim huggingface dataset:
2004 I been scammed into having multiple loans under one cant get payments down currently at {$16000.00}. XXXX XXXX has loans from Sallie Mae which I believe are not safe to deal with because there a rip off. I want to get this off my report. I keep getting the deferment that doesnt work for me because its still messing with my credit
Approximately on or about XX/XX/2018, I called my mortgage company and explained that I would be out of work for a few months and requested to be set up on their financial hardship plan. They offered me the " Forbearance Plan '' option which would consist of No late fees or penalties, no negative effect on credit or reporting to bureaus, and in I would be able to " skip '' my XXXX mortgage payment of {$800.00} and instead make three payments of {$1000.00} in XXXX, XXXX and XXXX. I agreed to these terms, and upheld my end, but I was not only charged tons of fees, I was threatened with foreclosure, reported to all credit bureaus, called at all hours of the day. I explained to them that had I known that this " help '' they offer was really going to hurt more both financially and mentally, I would have never agreed. Then to add insult to injury, after finally getting tired of losing time at work trying to straighten this all out, I just coughed up all the money for fees and I get a call saying that my mortgage company is charging me for mortgage insurance ( at an outrageous rate ) ( stating I dont have it ) that I have continuously carried since day one without fail. Upon further investigation, I have found that My home was double insured ( I carrying my own, and them sneaking one in ) since spring 2018. When I brought that to their attention, they said they would look into it and remedy, and after a couple weeks, I called back, and they claim to know nothing about it. Rough calculating, I have been charged over {$3000.00} in forced insurance, late fees, and interest at minimum.
I purchased what was marketed and presented to me as new vehicle on XX/XX/XXXX from XXXX XXXX XXXX located in XXXX, OH. I signed a finance agreement for a new vehicle. On XX/XX/XXXX I went in for routine maintenance for the vehicle and was told that my warranty was expiring in 44 days. I asked how this could be when I was told that the new vehicle has a XXXX month XXXX mile warranty on the vehicle and that my vehicle was a certified preowned vehicle and not listed as a new vehicle. I reviewed this with the salesman who brushed it off. I contacted XXXX Customer Service and was informed that my vehicle was indeed a certified preowned vehicle. I brought up my concerns to capital one auto finance dealer complaints department. I was contacted by a representative today XX/XX/XXXX I was informed that she ran the XXXX report on my vehicle and it also shows the vehicle as certified pre owned vehicle. The Capital One Auto Finance representative then advised me that she reached out to the dealership and was told by the dealership that the vehicle was a demo car and not a new car and that they do not require the dealer to disclose this information unless it is a requirement by state law. I advised that in the state of Ohio they are required to disclose if the vehicle is a demo and the capital one rep explained that it was nothing that they could do because the vehicle would meet new vehicle guidelines per the company policy because it has under XXXX miles on it at the time of the sale. I asked for some proof that she was told that the vehicle was a demo vehicle and the rep at Capital One Informed me I have it already if the information that I have is showing that the vehicle is preowned and if I needed anything for a lawsuit that is the only time they are willing to help. Capital One allows this type of deceptive business practice. I should not have paid new car prices for a pre owned demo vehicle that was not disclosed to me. This is affecting the value of my vehicle and it not what I agreed to and am paying for. I attempted to reach out the dealership who assures me that the vehicle that I purchased was a new vehicle and not a certified pre owned as listed in the XXXX systems and on XXXX reports. When I asked why XXXX and XXXX are saying otherwise he was not able to offer me any explanation and could only say the vehicle was a brand new vehicle and that is why I received a tax rebate. I asked why would a new car have a certified preowned warranty? The only response I received was I do n't know. When I asked if the vehicle was a demo he said that you can call it that and maybe it was used by the dealership employees or some customers may have driven it. The General Manager offered no solution to the problem. I am stuck with paying new car price for a certified pre-owned demo. What I agreed to finance is not what I received and have been paying for.
I am disappointed that because of a negative $ XXXX on my SunTrust Checking and savings account were closed. 
I understand that account in the minus longer then 60 days have the account closed. I love SunTrust and wish to remain a customer by having my federal tax refund direct deposited into the reopened account which can repay your company for the loss. Your bank is the best I have ever had. I wish to resolve this. 

Unfortunately I have called and called your support lines and been given multiple answers. I wish to know which one is correct. 


Can I re-open my previous account Please? I wish to repay the {$13.00} debt. 
I will have my Federal tax return direct deposited into my account. 
If so ill need a new debit card sent to me as I have lost the other. 

If the same account can not be reopened can I create another checking account and resolve the debt still? 

I didn't receive any notice when my account was closed. No email when it was in the negative. 
I have tried responding to the secured emails that I have but I do not get a response. 

Thanks
Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the  collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).
XXXX  Disputed {$1000.00} collection on my  XXXX  and Experian reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX   XXXX  sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the  XXXX  removal to Experian  XXXX  Checked my credit reports and both   XXXX    and Experian had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX   XXXX  reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidenc e to   XXXX  and Experian to dispute again
Called in XX/XX/XXXX to get payoff of loan a guy told me i had ten days to mail in check to M & T Bank in XXXX XXXX XXXX. I did that and shows transaction date of XX/XX/18 payed the {$13000.00} which the guy told me. then on XX/XX/XXXX, got a bill saying that I owed {$160.00}. Called up again waited 20 minutes on hold and the woman that answered she said that they had no record of me asking to pay it off. I asked to talked to supervision and waited over ten minutes and a guy came on said his name was XXXX at XXXX what ever that means, he said that it wasn't called in for payoff so i would have to pay {$89.00}. I as why it was that cost when i owed over {$13000.00} the interested was only {$88.00}. But i sent a check that day to get rid of that bank. Monday XX/XX/XXXX i got a letter from XXXX XXXX i called the bank again and they couldn't explain what this letter meant and would would have XXXX call me if i gave my phone number. No calls so I called back again talked to a XXXX, she said she didn't know anybody by that name and couldn't help me. I told her i wanted to talk to a supervisor or someone that knows what going on. She put me on hold for over 10 minutes and that guy XXXX came on. Said that was a letter stating that they would begin the pay work ten days after the loan was payed in full but would not let me talk to this XXXX, and showed the extra money was payed XX/XX/XXXX and that they have up till ten working days to start this process and could take a while to do. So i wanted to make this know of this and asked how could there be {$89.00} interest on a loan that sent all the money in.
Monday, XX/XX/2018 To whom it may concern, I have a mortgage with Summit Funding Servicing. My loan was transferred to Summit Funding Servicing in XX/XX/2018. I have had to contact them at least one time per month, beginning in XX/XX/2018. To encapsulate, for three of the five months that my loan has been with Summit Funding Servicing, I have had to call them to point out that they had made the error of withdrawing double escrow payments. I am reporting Summit Funding Servicing because per customer service the error will be made monthly and will not be corrected unless I call monthly. Also, I truly believe that other consumers may not be aware of this error or the need to contact Summit Funding Servicing monthly to ensure that the error is rectified.

My monthly mortgage payment totals {$1400.00} out of that {$410.00} goes toward escrow. Monthly, the Department of HUD Mortgage Insurance receives {$140.00} from escrow leaving a remaining balance of {$270.00} to go into my escrow account to pay for my taxes and homeowners insurance. However, Summit Funding Servicing is taking the Department of HUD Mortgage Insurance payment of {$140.00} from both my initial payment for the month, which is always documented in the payment history, and an additional {$140.00}. There is never a formal record/documentation of the second {$140.00} that was removed, just missing money from my escrow account that is meant for my taxes and homeowners insurance. Meaning Summit Funding Servicing takes {$280.00} until I call and review my account with one of the customer service employees. When I called, on XX/XX/2018 I told a Summit Funding Servicing customer service representative and her supervisor that I would be reporting them and on XX/XX/2018 my account was updated to state that the additional escrow payment was withdrawn on XX/XX/2018 ; although, I had not made XXXX 's payment, yet. 
I want you all to not only rectify my situation, but to do a full investigation to ensure that other consumers are not being cheated. I should not have to call my mortgage company monthly to have my account corrected. I should be able to go online and obtain an up-to-date, accurate copy of my payment history that includes any additional funds, or withdrawals ( i.e. tax and/or homeowners insurance payments ).  Also, most months I pay extra money towards my escrow, and principal as well. However, it is never reflected in the month that I paid it, my account reflects the additional funds in the following month instead.
I closed on my house back in XXXX of XXXX. In early XXXX our note was sold to a new mortgage company, named XXXXXXXX XXXX XXXXXXXX. I bought my home for {$150000.00}, with a down payment for {$4200.00}. I financed {$140000.00} for XXXX years at {$1000.00} per month. When XXXX took over my loan they first raised my monthly payment to {$1100.00}. I was told this was due in part to my homeowners insurance going up. I was told I that I only had to pay this for XXXX months and then my payment would return to normal. When the XXXX months came and went, I was then told that this was my new payment. In XXXX XXXX we received considerable damage from hurricane XXXX. I had made arrangements with XXXX for me to do all the repairs. I am a licensed XXXX XXXX and own my own construction company at the time. In XXXX of XXXX XXXX called me and talked to me about putting me in a new program they had, to help people with problems from hurricane XXXX. This program, as explained by XXXX is to help me by not charging and fees or penalties and have no affect on my credit. In XXXX of XXXX XXXX raised my payment to {$1900.00}. XXXX I was told it was because of my property taxes had gone up. I went to XXXX XXXX court house. I found out that my property taxes had not gone up. I brought this to XXXX. I talked to so many different people there. none of them were willing to truly help me. Then in XXXX of XXXX, I was told by XXXX that the real reason they raised my payment was that, the original company who created my loan, had made some major mistakes. That this will be my payment til the end. I did my research and was told by XXXX, XXXX XXXX and a company who specializes in checking the paperwork from the mortgage companies. That there was no mistakes made. Not when you have all of these protocols in place. XXXX refuses to help me. even when I do get someone there who tells me they will look into the matter for me, plus call me back. They never do. Now they tell me I am XXXX  months behind, which is not true at all. I was told of their Loan Modification, which states I now owe more than when I purchased the house. I am a XXXX XXXX, XXXX because of an XXXX I had to XXXX early from contracting. I am on a fixed income. I can not pay their payment. I am also a XXXX father of a XXXX son. I will lose my home to a foreclosure. I need someone to help me.
These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score
I submitted a request to investigate and remove credit inquiries on my Equifax Creit Report that I didn't authorize. Equifax sent me a written response stating that credit inquiries are a factual record and must remain on my credit file for two years.
Pleas be advised, I am requesting that Midland Credit Management INC reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] Midland Credit Management Inc has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )
I leased a XXXX through Ally Financial with XXXX miles per year ( XXXX total miles ) that was left in immaculate condition on return with about XXXX miles on the vehicle when returned in XXXX. I had previously taken the vehicle to XXXX to review the tires wherein I was informed that there was plenty of tire tread to meet typical safety standards and was advised by XXXX that I should not need to replace the tires, etc. as the tread was in excess of XXXX '' tread remained above the tire safety line. In addition on return I paid a {$0.00} per mile overage charge on the vehicle to Ally. Ally claims their lease contract requires XXXX '' tread and are wanting to charge {$830.00}, or {$200.00} per tire. On returning to XXXX I learned of XXXX things, 1 ) the tire cost at XXXX is {$110.00} per tire, or {$450.00} total and 2 ) the XXXX '' tread requirement is impossible to achieve on a XXXX mile lease and in fact, in XXXX 's professional opinion, that tread depth could not even in all likelihood be achieved on XXXX miles per year ( XXXX ). I feel that Ally is misleading consumers with the tire XXXX '' tread lease requirement, as well are overcharging for tire replacement costs versus the market and finally are double dipping by adding both the {$0.00} mileage overcharge and replacement tire charge.
( 1 ) My problem is with XXXX XXXX, whom I have used for over ten years as my lender for my personal and business car leases. 

( 2 ) On XX/XX/XXXX, I used the online bill payment system at the XXXX XXXX website to make a payment, but using a different account. I set up the new account, including the routing # and account #, and made the payment. 

( 3 ) I received an email immediately indicating CONFIRMATION of the payment ( please see attachments showing this exact screenshot with confirmation numbers ) ( 4 ). About 3 weeks later, on XX/XX/XXXX, I get a call from XXXX XXXX alerting me that the payment never went through, that the routing number I had provided was not in their system and to please resubmit the payment with a new routing number. 

( 5 ) I made the payment immediately using the original bank account I had always been using, the payment went through, at least according to the confirmation email I again received. 

( 6 ) Fast forward to XX/XX/XXXX. I now find out XXXX XXXX has marked me as over 30 days with a " late payment '' due to this. 

( 7 ) I called their company repeatedly, talking to whomever I could, escalating the call each time. In each instance, they claim they were not at fault, even though I had received NO phone calls or emails alerting me of the failed payment until the account was over 30 days due. And I had their email giving me confirmation of the payment from XX/XX/XXXX, which they still claim was not sufficient evidence of anything. My last call into XXXX XXXX was XX/XX/XXXX, where I talked to someone who promised me a manager would call me back, to which I 've never received that call. 

( 8 ) Normally I would not make such a fuss over an issue like this, but this 30 day late penalty happened right in the middle of a personal loan I am trying to apply for. Now, all of the banks are turning me down because of this " blemish ''. I am suffering heavy damages because of this incident and feel like there 's nobody I can turn to for help. 

( 9 ) Trying to call anybody over at XXXX XXXX right now is impossible. The phones do not work, and their website says they are going through some type of upgrade. I feel like I 've done everything possible at this point but now I have no way to even communicate with them. 

( 10 ) I am ready to hire a lawyer to work with me to resolve this, if necessary. as I did nothing wrong, and XXXX XXXX should not even be hesitating to remove this " mistake '' as I 've been a loyal and good customer of theirs for almost a decade. After this incident, I can conclusively report I will never go through XXXX XXXX again, and I feel others should be aware of how harsh and non-communicative this company is.
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.
I would like some help/information. I have a credit card with Chase. My payment is due today. This morning I made a {$200.00} payment. When I got home from work XXXX XXXX and I knew my paycheck had cleared, I went to make another payment to complete the amount owed. The online process would not allow me to make another payment, so I called. The representative would n't allow me to, so I asked to speak to a supervisor. XXXX, the supervisor, also informed me I could not make another payment for 3 days from the same checking account. I asked where it stated that I could n't make a second payment. He could not find anything, but refused to take a XXXX payment, which means I will be paying interest on the balance XXXX {$1100.00} XXXX. What can I do? Thank you, XXXX XXXX
I have a very old account from XXXX XXXX that keeps reporting the same account information over and over to Equifax, they then report it over and over. The last date real information was reported was XX/XX/XXXX which was paid as agreed, they then keep reporting it over and over, then it stays on my report. Equifax just old me in a phone conversation it would stay on there now until XX/XX/XXXX. Equifax Confirmation Number : XXXX
I 've been requesting a payoff quote from Seterus since XXXX XXXX, 2015 and I 'm still not in receipt of the quote, even after consistent follow up and follow through with Seterus. Please see attached for specifics on follow up and communication with Seterus.
AES has been servicing my loan since inception. This company has COMPLETELY mishandled my loan and repayment process. They have required payments while my account should legally and rightfully be in deferment status ( I am still in school pursuing a XXXX XXXX degree ). I have made said payments in order to keep my account out of delinquent status. On a yearly basis they boot my account out of deferment status and make me provide documentation THAT THEY ALREADY HAVE to prove I am still in school and have not graduated from a program. During this time payments must be made to keep the account current. At one point they illegally reported a late payment on my credit that was never late because the account was in deferment status at the time. This process has been not only daunting and time consuming but also out of compliance. I requested ALL loan documentation as well as correspondence so I could begin the lawsuit process and was denied access to this information. I also requested to be put in touch with someone in the compliance department and was also denied. I receive little to no correspondence ( other than BILLS ) from this company regarding my requests and general follow-up. Every time I call I request to speak to the supervisor I spoke to previously and I am denied. This company 's practices are ILLEGAL and non-compliant. They currently have a lawsuit pending in federal court for the same issues.
This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.