WillisBack/dataset-financial-user-claim huggingface dataset:
As a   XXXX   that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over  a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.
This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a XXXX party would try to reach her about a legitimate business matter. 

However, after the first time they said that, I suspected that it was not, in fact, a business matter. It sounded too scripted. Further, I realized that they had not identified themselves. At that point I suspected that they might be a collections agency. To better understand why I was receiving these calls, I asked the person who had called if they represented a collections agency. Not only did they not identify themselves, but they also lied to me about this and stated that they were not. I refused to give them any information and researched the number they called me on online, which is when my suspicions were confirmed. If I had engaged with them in a conversation believing that they have a business relationship with the debtor, they could have extracted far more information than they are legally allowed to collect. When I called them back and asked to speak to a supervisor, they initially refused to let me. I told them it was a private matter, but still they would n't, so finally I resorted to saying, at this point rather emotionally, that I had concerns about the professionalism of an employee. They then transferred me, but all I got was a voicemail box.
Synchrony Bank maliciously reduced the credit limit on my TJMaxx credit card in XXXX from {$1800.00} to the balance owed, {$1100.00}. Synchrony sent me a letter claiming they did this because they pulled my credit report and decided that they needed to reduce my limit. 

I have always paid Synchrony/TJMaxx on time, so there is no reason for them to 1 ) lower my credit score by cavalierly pulling my credit report. And 2 ) by then lowering my credit limit to EQUAL the outstanding balance, they 've further piled on the damage that they initially caused to my credit score -- by even pulling my credit report to begin with. I contacted them and requested that my credit limit be restored to at least its original amount of {$1800.00}. On XXXX XXXX, Synchrony sent me a letter denying my request for a string of vapid reasons. 

Synchrony 's actions are just more of a bank getting away with XXXX chance to ever get out from under a hefty credit card and interest cost debt. Please let Synchrony know that they need to stop this hateful and greedy beating up of us little guys.
I contacted the LoanCare customer service today regarding my Escrow refund because my account has been updated to reflect the correct information. However, I have yet to receive the Escrow refund as of today 's date, XX/XX/2017 The customer service representative told me that it was mailed to my address on XX/XX/2017 and they could not send another check until the previous one has been in circulation for 30 days. I asked her for the tracking number and she indicated that there was none. I told her that this could not be since the check was of a large amount. I requested to have someone from the Escrow Department to contact me and the customer service representative told me that they did not take phone calls. This is is not good business or customer service in my opinion. Although my account is showing that it is updated I have yet to receive my Escrow refund. This is still fraudulent business. I am asking for an immediate refund of my Escrow overage. This is the first time I have ever experienced this kind of treatment from a mortgage company and I have had XXXX homes in my lifetime.
LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.
Equifax attributes this account to me ( XXXX XXXX ). This account is NOT my account. This impacts my credit score seriously. 


XXXX XXXX XXXX, XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Date Opened XX/XX/XXXX Account Status Closed Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Usage - Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$770.00} Highest Balance - Terms M 1M Responsibility Individual Account Your Statement CHARGED OFF ACCOUNTFIXED RATE Comments CHARGED OFF ACCOUNTFIXED RATE Contact Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
I paid My Credit in full twice and they reported it to the credit company as paid in full. They then placed the account back on my account and double charging me for the count and I now have a high credit utilization for both of my accounts, mines and the one I paid off as a authorized user on my Husband account.
My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.
There was a public record on my report that was inaccurate so I disputed the accuracy of the report. XXXX confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to XXXX and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to XXXX and they still have not removed the inaccurate information.
This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.
WEST ASSET MANAGMENT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WEST ASSET MANAGMENT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WEST ASSET MANAGMENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I did not receive the XXXX-month grace period, after talking with Nelnet, they counted my XXXX-month grace period in chunks during summer semesters that I was n't enrolled. I was under the impression that it was XXXX months after you GRADUATE, not during your summer breaks. I took classes during XXXX summer semesters, but not during every summer. By the time I was notified that my payment was overdue, I had thousands of dollars in interest that had accumulated the entire time I was in school. YEARS of interest while at the same time they were telling me I did n't need to make a payment because I was enrolled in college. It makes no sense. My loans are all broken up with letters of the alphabet, 2 As, 2 Bs, then letters C-G. I 've paid off C, but it cost me {$900.00} for a {$200.00} initial loan. Right now I 'm focusing on the higher interest loans, but after my payments so far, I owe XXXX on my Group D which was for XXXX. Ridiculous. I was getting a mortgage when I found out that my XXXX month grace period was over years ago, I called Nelnet, they had me mixed up with a different person. So they sent me an entire loan information package, all in XXXX, with student loans belonging to someone else. I called back, and they could n't tell me how much I owe, or how long the payments would go on for. 
Right now I 'm trying to pay them off as fast as I can, and I send extra every month. XXXX of my loan groups I do n't technically owe a payment on until XXXX of 2018. I pay every group. And then pay extra on certain accounts, and now I 'm sitting with an email from them saying I 'm {$5.00} short, and that {$5.00} payment is overdue. HOW? I do n't see it anywhere. I never pay less. It makes no sense. But it feels like they are just milking me for every dollar they can get. It 's ridiculous. 
I have a XXXX kids with a XXXX on the way, I was working while in school, the last thing on my mind was babysitting Nelnet when they made the terms of the loan very simple with the grace period and repayment arrangement. They are taking advantage of students, and I do n't think it 's right, fair, legal or just. 
I attended XXXX, as well as XXXX. 
Thanks-
My mortgage servicer was accepting payments from me up until XX/XX/2015. I was also trying to catch up on my late balance from when I was working and had no other income. They sent me XXXX checks back and said my mortgage is in default and they have stated foreclosure proceedings. Why ca n't I continue to make payments to try and resolve this issue? I do not want to lose my house. If I had the {$6500.00}. plus to give them immediately, I would. I am searching for other options, such as retirement money or a loan from somewhere. I want to pay them. Can you help me, please???
They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX    XXXX    XXXX   XXXX   XXXX  maryland  XXXX and my phone number is  XXXX
On XX/XX/2018, credit card payment of {$10000.00} was made and posted on XX/XX/2018. 

On XX/XX/2018, {$10000.00} payment made was posted on XXXX XXXX where funds were withdrawn. XXXX Bank received {$10000.00} from XXXX XXXX, and it was also verified by XXXX XXXX that funds were released to US Bank. US Bank would not apply {$10000.00} payment made to available credit, even after funds were released ( by XXXX XXXX and received ( by US Bank ) for 2 days, but put a hold on payment for 7 days without valid justification. At XXXX, I spoke to XXXX , representative from US Bank , and advised me to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. All the conversations were being recorded by US Bank. 

On XX/XX/2018 around XXXX, I spoke to XXXX, representative at US Bank in Missouri, advised me again to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. At XXXX, XXXX XXXX sent a fax to US Bank of what they requested. I called US Bank at XXXX, spoke to XXXX , representative at US Bank ( phone recording confirmation # : XXXX ) to check the status of the fax sent, it was received but they still would not release a hold, once again XXXX at US Bank could not provide valid justification. To XXXX, I requested supervisor call back, but never received a call, XXXX never put a request. I decided to go on a trip with trusting what they have advised me ( to release the hold ) on XX/XX/2018, but could not use my credit card because of their deliberate lie. 

This is unacceptable and abusive business practice to American people and this incident should be reviewed by CFPB carefully and also by other government agency who has enforcement capability.
I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Today is XXXX2017 Based on Equifax 's online tool, they believe my information was compromised in the recent hack. I believe my personal information is now insecure and I am susceptible to personality theft.
After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also Experian had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.
A short sale was commenced on my property with SPS ( Select Portfolio Servicing ). On XXXX XXXX, 2015, ON XXXX XXXX, the bank come back with a counter for the amount of {$270000.00} because the XXXX came back for this amount I tell her that is ridicules because this property is in bad condition. Also, the principal balance + extra charge is {$210000.00} was ridicules because the bank request a height offer them the payoff for this account. 
. 
My hardship is due to a financial hardship being that I 'm currently unemployed and do n't received unemployment benefits. I just have a baby so I now have XXXX kids to take care of. I has very difficult to live this way. I have made every attempt to salvage my home. I ask that you help to resolve our situation. The bank reviewed my file for a short sale and give to us an " Approval letter on XXXX/XXXX/15 we received the 1st Approval for a XXXX Short sale with the same offer of {$220000.00} then they give XXXX extension, but we can closing the property for a Problems with our bankruptcy and then the bank request submit again the file on XXXX/XXXX/15 because they can not give an XXXX extension on the Approval letter. 

Now the bank Request a higher Counter offer for the amount of $ XXXX.This property is in bed condition, please see attached Home inspection need a lot of repairs.
Loan was for {$2500.00} balance is showing {$4200.00} because they included all the interest i would pay for the term of the loan. Furthermore, it makes it look as though i have more credit than i truly do. I contacted XXXX and they claimed this is how they report. I question if its even legal??
I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, XXXX, Transunion ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
I received a 0 % interest offer for a 15 month period. I applied requesting several balance transfers equating to over {$10000.00}. It was denied but I was given a {$1000.00}. credit card line of credit. 

I thought that was the end of it but then received a letter from Wells Fargo stating they had initiated a {$650.00} transfer. This is not what I requested and is not helpful. The intent with the balance transfers was to reduce my payments each month, not add another. By completing a partial balance transfer it has resulted in another payment and has only reduced a balance slightly. I did not approve nor do I want this transaction. Partial balance transfers are not helpful. 

In addition they charged a {$19.00} fee to conduct the transfer. 

My attempt to resolve their error was refuted stating it is complete. 

I did not approve a partial transfer. They are unwilling to correct their error so I am seeking outside arbitration for resolution. 

Thank you
Experian continues to charge me for services I 've already cancelled more than once. I 've tried calling but due to extended wait times I can no longer get through to talk to anyone
The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX
ACSI is reporting incorrect information about me to all 3 credit bureaus, as of XX/2017. On XXXX XXXX,2017 ACSI sends me a letter indicating I owe money for a student loan the following day I replied that I do not any 'student loan ' because a ) I am a XXXX XXXX XXXX b ) I have not gone to school since XXXX grade, c ) I am completely/fully retired. But they still reported me to the credit bureaus prior to contacting me first which is a violation of the Fair Credit Reporting Act. Subsequent to their illegal reporting my credit score went from a XXXX fico score to a XXXX fico score and I am currently buying a house which will directly affect my interest rate. What ACSI is illegal and they need to be hold accountable.
A XXXX XXXX contacted our office and asked for ( head attorney ). I asked what is was in reference to, he said ( name of decedent ). ( Our office was indeed the law firm of record for the named decedent. ) I told him the attorney was unavailable and he left an ext. of XXXX and reference # XXXX. I identified myself and he pressed me for confidential details of the decedent : SSN, DoB, DoD etc. I told him I would not divulge any of that information and he became angry and combative. I told him to have a nice day and hung up. 

Abusive and intentionally vague to the point of being disingenuous ( and I'm being polite ). Someone not working in a law firm may not be familiar enough with their rights and be bullied into providing these cretins with confidential information. Worse, they could be forced into settlement with a creditor to the detriment of the probate estate and, quite possibly, unintentionally breach their fiduciary duty to the beneficiaries of the decedent.
Debt collection company EOS CCA called my work line hundreds of times over the course of the past several months at all hours of the day. Each time a robo coller with no person on the line would call then hang up from dozens of different numbers. When I called to tell them to stop they would not respond. When I blocked their phone number they would use a different phone number, This effected my business and has cost me thousands of dollars in damages. ( Since I won't answer unrecognized numbers we have lost many prospective sales as a result. )
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.