WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second complaint that I 'm filing about ECSI, the loan service provider for my Perkins Loans. I have to reapply every 6 months for financial hardship/forbearance, since my student loan debt burden is in excess of {$300000.00}. My Stafford loans are under an income based repayment plan, with a fixed amount due each month. The Perkins loans, however, have to be dealt with separately. Every 6 months I resubmit my financial information, asking for a forbearance or partial forbearance. Every time they email back, telling me that I missed something, knowing full well that I included everything they needed. Then, I have to resubmit all of my paperwork, and usually have to spend several minutes on the phone following up with the paperwork every week, until finally I get it approved. As usual, I recently mailed all of my paperwork for a partial forbearance request, and received an email stating ( erroneously ) that they did n't receive all of the paperwork. Recently, I obtained someone 's email address, who told me to scan my documents and email them to him, and he would process my forbearance request immediately. I also did this, and have n't heard anything back. 
I have done everything that I can to apply for a partial forbearance, using both mail and email as well as addressing it to a specific person who told me that he would help me. All of these efforts have resulted in nothing, and all that I want is my partial forbearance request to be applied. 

Thank you
XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to XXXX?
I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.
I am currently a student at XXXX XXXX XXXX XXXX still taking classes at least half time. This was the requirement presented to me when I left XXXX. XXXX XXXX in order to defer my loans. As of XX/XX/2017, Navient has told me that they do not offer this option on their private loans and that I have gone past the allowed amount of time in school or not, therefore I must start paying my loans now. Initially they wanted over {$900.00} a month which I do not have access to. After many conversations with them and finally having them call my father they lowered the price to {$290.00} per month, but only for the next 15 months, despite the fact that I was and, again, still am in college and still working to graduate. 

My initial loans for XXXX. XXXX XXXX were given by XXXX through XXXX XXXX as XXXX XXXX did not offer loans for the school directly. Without my knowledge or consent they were sold/transferred to Navient and I have had nothing but problems with them since. At first they would tell me I wasn't in school, even though I was, then they changed their story to I must pay the private loans regardless of my school status. 

As of today I have paid {$1700.00} and next week they i will pay another {$290.00} bring my new total to {$2000.00}. This month I also need to purchase all my supplies for my spring semester and hope I have enough money when all is said and done to still pay bills and feed myself.
Last month, I had informed them that their billing procedures violate the Federal CARD Act, to which they replied that they are following all procedures and they credited my account for the overcharged interest. This was fine. 

Now, I 'm guessing in retaliation, they added nearly {$1000.00} in " purchases '' at an extremely high APR, while I made less than {$100.00} in purchases. 

On top of that, they used nearly everything I paid was allocated to the lowest APR on the card, while barely touching any of the higher APR, and not a single penny towards the highest APR, which is a complete and direct violation of XXXX : Allocation of Payments, exactly what I had informed them of previously. 

I have communicated this with them yet again that they are blatantly disregarding the CARD Act that was implemented on X/XX/2010 and gave precise examples, but this time I was ignored. I 'm sure I am not the only one they are taking advantage of, but I 'm not going to sit there and continue to pay them for breaking the law.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to credence resource management I sent it to the bureaus and they ignored it. Please help if you can thank you.
WF has started reporting our VA mortgage as a installment loan and told us they told this at closing which we a lie as witness by our realtor which was an attorney and will verify, our WF loan office who left the company. They have a history of fraudulent behavior as late as last week in a suit filed by State of CA oaying a huge fine for fraudulent behavior in excess of {$200.00} M, previous they were fined for opening customer account without their knowledge switching money and all sorts of other behavior with our VA loan which was property with a permanent foundation making it unmovable. The WF bank filed a XXXX XXXX XXXX XXXX making it part of the real property and required us to set up escrow account to pay taxes and insurance and filed a trust deed making is real property. From XXXX to XXXX including the previous owners it was reported as a VA mortgage, they they started reporting as a installment fixed loan on the modular home Each and every time we filed the paperwork with credit agencies they would agree, and immediately WF would change to a mobile home loan or modular home installment loan. I have talked to many people who have the same permanent mounted home on property they own that is still reported correctly but when I found out they called me a liar, harassed us, dared us to file suit and numerous other threats and told us we could not beat them, the VA had us have our congressman look into it and they filed back they had the right to do whatever they wanted to do, filed with the XXXX where I found many complaints and the only -F XXXX rating, they then told me that they were following CIDA guidelines but when I called CIDA they denied this was correct and are filing a formal complaint I have documents to prove all of this including letters from the bank that they could do anything they wanted and nobody could stop them, guess that may be right as they are the most fraudulent proven bank iin America paying more in fines than anyother bank in history including a {$200.00} XXXX fine filed by State of CA where they paid but denied liability although who is the proof was not there would pay {$200.00} M They are so big they think treat people who fight them anyway and no one will bother to continue but I will keep fight all the way to filing a class action suit. 
They have stated they can can do whatever they want. 
Anyone wanting to join my class action suit please contact me
On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with Equifax and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling Equifax XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.
Recently, Lincoln Tech started reporting a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of federal collection law.
Complaint against Wells Fargo Credit Card services Credit card # XXXX  Primary card holder : XXXX XXXX XXXX ; Authorized user : XXXX XXXX XXXX  We were impacted by the FEMA declared Natural Disasters that struck XXXX, CA. My wife and I both work for schools and were unable to work for 7 weeks because of fires and then the debris flow closed US highway XXXX. I spoke with XXXX XXXX in the Wells Fargo Executive Office on XX/XX/XXXX and begged him for a 3-month temporary hardship deferment so that we could recover from the devastating wild fire and debris flow that crippled XXXX and XXXX XXXX, CA. XXXX XXXX promised me that he would waive the late fees and interest charges for 3 months ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Wells Fargo claim # XXXX  ).

Wells Fargo LIED AGAIN! They DID charge us late fees and interest charges.
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX Dear Sir or Madam : In XX/XX/XXXX Out of the blue JP Morgan Chase arbitrarily closed my account. This was after my mother is a XXXX survivor who is over XXXX years old and for whom I have a general power of attorney and take care of her bill paying was questioned about a transaction. She is also XXXX  XXXX. 

I have reason to belief that a mentally disturbed family member for whom I have an order of protection initiated this situation. This individual has ben harassing me and other members of my family for a considerable amount of time. 

The bank initially was satisfied with her response. However within 2 days they closed the account of a XXXX year old XXXX XXXX person. 

Soon after for no reason my account was closed as well. I tried to reach out to the corporate offices of Chase and make great effort to find out what happened and to restore my account as well as my mothers but I was unsuccessful. In addition the people I spoke to were not only unhelpful bu exceedingly rude. 

I should add that I have had an account with Chase since XX/XX/XXXX and took care of my ailing father before he passed away for over 25 years as well. I am now taking care of my mother for over 28 years. 

I went so far as contacting a prominent Television reporter who was interested in doing a report on what happened. 

I have since managed to open an account at another bank but this week I had reason to go to a branch of Chase regarding another issue and a manager using my That is a very serious unsubstantiated accusation and given this information I have no choice but to submit this complaint. 

I have no interest in having an account again at a disreputable bank like Chase but I can not and will not accept or tolerate a derogatory accusation be associated with my name. 

I hope that my complaint will hAve the desired effect of removing this derogatory unsubstantiated accusation be removed from my name. However. I will not let this unfair matter stand and Chase ought to know that I have already retained an attorney and will if necessary hold Chase responsible and liable all damage i have incurred now And in the future Enclosed, please find the letter from Chase stating that they were closing my mothers account and a similar letter was received by me too. 

Also please find a letter from her Doctor stating that she is XXXX  XXXX. 

Thank you. 

XXXX XXXX
I sent certified letter to  XXXX , experian and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also hav e for two  years have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.
I fell 3 years behind in payments due to severe XXXX injury & hospitalization from the XXXX war while on XXXX XXXX in the XXXX XXXX. 

I paid only XXXX for the home in XX/XX/2007. This date and the original purchase amount is also reflected on ALL of the original financial documents ( deed, etc ). 
M & T bank took over the loan and literally ADDED each and every payment ( plus interest ) that I fell behind on to the XXXX original purchase price. They, as a result, fraudulently ballooned the Home loan to almost {$590000.00}! 

M & T bank then put my payments from XXXX/month to almost $ XXXX/month and literally erased all 8 years of equity ( on time payments ) that I made on the loan. 

M & T bank then claimed that I must sign the agreement to pay almost $ 4000/month or face absolute & certain foreclosure. 

M & T bank ALSO INCREASED the number of years to pay the loan back to 30 years! 

I could not keep up with these payments and M & T filed foreclosure. This is fraudulent predatory lending. 

The length of the 30 year loan should have been extended by only 3 years in order to keep the monthly note the same, $ XXXX/month. The 8 years of equity ( 8 years of house note payments ) should be credited towards this loan in full. The original purchase price of XXXX for this Home should not have been changed.
On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.
XXXX, XXXX and exsperion have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX colected by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX bill is up to date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX
I obtained cellular service from XXXX in 2014 ( Account XXXX. XXXX ) ; however, it did not work at my location. We spoke with XXXX employees that told us we could get a refund ( see attached ). We were then sent notices ( and continue to do so ) from various collection agencies ( XXXX and XXXX and most recently Diversified Consultants. XXXX XXXX XXXX ). We have sent the first XXXX copies of all correspondence and never heard from them again. Now we get the same notice form Diversified Consultants , Inc .
On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( roadloans.com ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX   and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.
I've been signed up for a {$19.00} service from TransUnion. It started on XX/XX/2017, and I've since been charged on XX/XX/2017, XX/XX/2017, and XX/XX/2017. I never contacted TransUnion to set this service up. The only way I even discovered what it was is because the bank statement says " TU *TRANSUNION XXXX CA '' and on their website it looks like their monitoring service is the same {$19.00} price.
Hi, I was recently on credit karma reviewing my information and I noticed XXXX hard inquiries, as well as a credit card opened apparently in my name with {$950.00} tacked onto it. Until today, I have never heard of the bank nor opened any new accounts, seeing as I am deployed XXXX at the moment. 
Please help me resolve this. 
Thank you
On XX/XX/2018, I contracted Chase via phone. I was attempting to buy tickets from a seller and was provided with a name and email address. As a way of due diligence I spoke to a Chase representative regarding XXXX and to ensure the name and email belonged to a legitimate account. The email was confirmed to have an account with Chase or one its partner banks. I went ahead and submitted a transaction for {$480.00} to XXXX XXXX at XXXX I did not receive the digital tickets within 10 minutes and the person stopped responding to my calls/texts. I immediately contcted Chase to stop the transaction but was told the person had already accepted the money and they could not retrieve the money. They informed me they would file a claim to contact the persons bank and try to get my money back. I was told I would hear back within 5 business days.

I contacted Chase again on XX/XX/2018, since I had not received any information. The representative told me there was no update but provided me with a case number and XXXX   number and told me to call to get an update. After being in the phone for over 20 minutes, XXXX informed me they dont handle claims and that this issue needed to be resolved directly with my bank. 

I called Chase again and was told my claim had been rejected by Chase and that they had submitted a claim to the persons bank. I was told I needed to wait and see if their bank would reimburse me. Needless to say, I did not receive the customer service or assistance I needed from the bank where I have been a loyal client for 7 years. I requested the name of the bank of the other party so I could attempt to follow up on my own, but was told I could not have this information. I was told to just call back periodically to see if the other bank had responded. I have yet to receive any information and no refund has been provided.
US BANK -- In regards to case Case # XXXX -- US BANK I think the point here has been missed. US Bank freely admits that they stopped sending me monthly statements on an account that has a different amount due every month as well as revoking access to the account so that I could not make payments. They are clearly at fault here for the only missed payment I have every made. During the time that this account was in their " Lien Monitor '' status I was also unable to make any payments. I spent hours each month in my local branch trying to sort this out, even the branch manager did NOT know how to make a payment on this account. I have multiple hours of calls recorded where US Bank associates repeatedly tell me that I CAN NOT make a payment on this account. <P/>The delinquent taxes were from before I owned the property and before this HELOC was opened but I paid them as soon as I found out about them. which was last XXXX. The response letter also states that I made payments for XXXX through XXXX, but my credit report shows no payments from XX/XX/XXXX until XXXX of XXXX, which their letter clearly shows in not the case I am not sure how US Bank can just say, yes we did that and no, we are n't going to fix that, messing up my life for the next 10 years. What 's even more egregious is how the original case would be closed with that as an acceptable answer. It seems to be more of a Bank protection bureau not a consumer protection bureau. <P/>US Bank fully admits revoking access to the account as well as the ability for me to even make a payment. I have 2 of US Bank 's own branch managers that are just as shocked and confused by this as I am and fully agree with me that this should not be reported as a late payment since even they could not figure out how to make payments to this account, Each month took a minimum of 2 hours in a branch to make payments which was time off of work as well and I have about 6 hours of recorded phone calls with US Bank repeatedly telling me that they CAN NOT take a payment from me.
I check my credit score about 3 times a year. 
After checking my score this tax season, I noticed that my intuit " mint '' account shows a new account open under my name that I did not open. Below is how it shows under my open account details. 

**I have never heard of this company or made any payments to them. This is not an account that I opened nor have I opened any new accounts. I am afraid this is fraud. 


Company : " AFFILIATED '' Account type : Installment Sales Contract Opened : XXXX XXXX, 2017 Status : Open Limit : {$0.00} Term Monthly ( due every month ) Monthly payment {$27.00} Responsibility : Individual Account Balance : {$160.00} Highest balance : {$320.00} Payment status : Pays account as agreed Worst payment status - Date of last payment - Amount past due $ XXXX Times 30/60/90 dates late 0/0/0 Remarks - PAYMENT HISTORY **Currently shows that I have made payments for XXXX, XXXX, XXXX XXXX, XXXX XXXX am 100 % certain that I did not open this account and have no connection to it. 
Looking at my credit history/ payments, I have never made a late payment and am very aware of all outstanding debts. 
I currently do not have any credit cards.
This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).
Owed 4000 on a car loan had horrible family issues they refused to work with me I begged for more time due to my sitiuation they refused demanded I pay them or they would destroy my credit they took my car and resold it for triple the amount owed but they still call and harass me and my family even call my job and friends the company name is coastal credit