WillisBack/dataset-financial-user-claim huggingface dataset:
Santander has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. Santander as also removed this account 3 times without notification of it being reported back. Santander also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} on XX/XX/XXXX. The vehicle was in the impound which is where Santander got the vehicle from. It was never repossed for non payment.
I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this time.
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( Equifax, XXXX and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.
I tried to get my credit report from Equifax.com and in order to do so, I had to answer some security questions. None of them pertained to me. It said I had a mortgage in 2012 that I have never had, And also retail credit cards such as XXXX.. I 've never had any of the above. So I 'm not sure if someone has gotten these items in my name or what the issue is, Because I can not get in touch with anyone, There is only an automated system when you care Equifax. I 've issued a fraud alert.
I have had an account with US Bank but was never told that they put ch ecks through 24 h r/day. I asked for this policy in writing but they do n't have it in writing and never did. I had a check go through at  XXXX   XXXX , which I did not know was possible. I have had a number of overdrafts and have now realized its because the check went through in the middle of the night and I wake up with an overdraft posted, when I had looked at my account the eve before and it was positive. Ive asked what the business hours are at my bank and I 'm told they are  XXXX  to  XXXX . I assumed that that 's when business is conducted and not the middle of the night. Now I realize that checks can go thro ugh 24/7. No one told me that and it is not in any of the bank brocheres they have given me. It is not printed anywhere. I checked with the banker. This is deceptive practice.
I purchased a couple of items through Conns Home Plus and since has been a nightmare. I fell behind midway through the loan and had contacted them for additional help which they refused. After they refused on an average I have been getting 7 to 8 calls a day including weekends and many are hang ups. When I do take the calls they continue to harass me, belittle me, interrogate me, and refused to work with me until recently. Last week around XXXX/XXXX/16 they contacted me and offered to defer payments toward the end of my contract if I paid {$180.00} which I did. Each day since I get multiple calls claiming that I still owe and that their rep was mistaken and should not have offered such a deal. I asked them to listen to recording as they said they have on file but instead they are calling me a liar, and continued to try and push me. I eventually terminated the call. I know of several people that have experienced the same treatment and enough is enough. I am XXXX, not sleeping, not eating, and feel sick to my stomach over it all. What does a company feel that they need to mislead consumers into paying additional money that I said I did n't have and get away with not honoring the agreement once they take my money? I am aware that I owe the money and have spoken with them several times and apologized and explained that they would get their money and I still get this outrageous, unprofessional, unethical treatment. They tell me that they will report this information to the credit reporting agencies if I do not continue the plan even after they refuse to honor my restructure that they offered. They also are charging additional fees on payments which was not explained of agreed too. If you listen to recording of my calls you will see that I have been professional, willing to pay, and appreciative of the products. I have guaranteed payment and explained that it would get paid once I receive my funds. Instead, they pushed me into paying more than what I could afford on a deal they structured then failed to honor their own plan. Why will my credit be affected when they failed to honor what we all agreed. Please have them provide you with copies of my calls and listen for yourself. I would start with XXXX/XXXX/16 through today. I have contacted an attorney locally and he said to start with you. Please help me resolve this matter and put a stop to the madness. I am begging you to help me stop them from further harassment.
I recently went though a divorce and was awarded the home. I called Bank of America to see what process I should take to remove my ex spouse from the home loan. I was informed that because I had no equity in the home that the only way to remove his name was do a home loan modification. I informed the representative that I am financial able to handle the note and did n't need to modify the payment. After talking to several representives they infirmed me that after the modification my ex name would be removed. While going through the process of modifing the loan. I was working with XXXX XXXX, who also informed me thay after modifying the loan my ex name would be removed. She also informed me to do a Quit Claim Deed.The following day I went down to court house and was informed that my ex had to file the Quit Claim Deed. I informed her of what I was told my the courts and she infirmed me to do the modification and his name would be removed. I did the modification to only find out that his name was not removed. I spoke with XXXX on several occations about this and she informed me to wait one year and do an assumption. I waited the year it and apply for the assumption and was denied. I called Bank of America and spoke to XXXX, XXXXr in the assumptions department. He apologized for the information that was relayed to me and informed that that under normal circumstances it will take one year for and assumption to take place ; but because of my situation I have to wait 2-4 years because I should 've assumed the loan and not modified it. I informed him that I did wait Bank of America representive told me to do to remove my ex name. Still it was n't anything that he could do to help.
I have been working full time in public service since XX/XX/XXXX. During this time I have been paying my loans on automatically, on time, and under income drive repayment plans. I applied for PSLF in XX/XX/XXXX and was denied with only 108 payments accepted towards PSLF ( out of 120 needed for  forgiveness ). No one at XXXX XXXX has been able to explain why all 120 payments were not accepted despite my many phone call and email requests. 

I then asked to be considered for TEPSLF on XX/XX/XXXX. I  was denied forgiveness under that program on XX/XX/ and  the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. 
We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. 
The monthly income-driven payment amount calculated using your information on file was {$350.00}. 
A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This denial does not make sense since my last payment was {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
I have received late fee charges from Bank of America that are not legitimate. I 'm not say all fees from the life time of my account but there has been many of times where Bank of America has changed the order of my withdrawals to have me have 2-3 late fees instead of one late fee. example my first few charges will be for XXXX and XXXX dollar charges. then a charge for XXXX will come after. Instead of paying the first 3 charges in the order they come out the bank account Bank of America will change the order of the withdrawals to make more late fees. The last three fees I had in one day. I did speak to two supervisors and the second one took off one fee and I asked to have a manager to call me and he stated he would not take off the other fees. I asked to speak to the higher manager who was suppose to call me within 24-48 hours who never called .I do have alerts on my account that do not always work which Bank of America has given me late fees back in the past.
I went into a Wells Fargo branch in XXXX, KS yesterday XX/XX/2018. It was the location at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. 

I showed my drivers license and the personal banker called you guys and was put on hold. Now that I am verified, please unlock the account and allow me to have access to the account in its entirety. Thank you
Mortgage company ( US Bank ) did not make real estate tax payment for XX/XX/XXXX on time, event though I have made escrow payments. It will now be late and unable to claim on XX/XX/XXXX race return. This is a considerable amount of difference of refund, almost {$2000.00}. They have informed that I now have to wait until XX/XX/XXXX to claim the real estate taxes on the XXXX, putting it a year behind.
The company provides me with misinformation every time I call regarding my account. My account information is never correct and I receive a different inaccurate reason for the failure of the account to be correct each time. Every time I am advised that the account will be corrected, but it has yet to be correct when I follow up. I was recently advised that I needed to make a physical payment since my direct debit was requested to be changed and that no direct debit would be withdrawn. However, both the physical payment ( {$820.00} ) and a direct debit ( {$630.00} ) were withdrawn. Furthermore, when I made the change to my direct debit amount, I did not authorize the direct debit amount that they withdrew but had made a request for the amount of my monthly installment to be withdrawn ( my monthly installment is supposed to be {$820.00} but on XXXX/XXXX/16 it stated my monthly installment was {$1.00} and yet {$630.00} was withdrawn ). I can not get accurate information regarding my account any time that I call to inquire. Further. when Fedloan servicing took over my account from XXXX, they did not transfer my loans as a full consolidation like XXXX had previously completed for me. Therefore an additional consolidation had to be created in order for them to be included in the public service loan forgiveness repayment option and the repayment plan is therefore extended on those particular loans. Accurate information is vital to being able to manage student loan repayments and this company lacks the resources and tact to do so. I will be escalating this as far as I need to to ensure that others do not have to endure this lack of professionalism in the future and to ensure that my issues have been rectified. 

The University XXXX XXXX XXXX XXXX XXXX, TN
My name is XXXX XXXX ; in XXXX my husband acquired a loan from XXXX.using multiple properties XXXX as collateral. He passed away in XXXX with no insurance on a debt of XXXX. XXXX XXXX changed to XXXX XXXX XXXX XXXX XXXX acquired the loan. XXXX Bayview Loan Servicer took the loan with no record of all pieces of property only XXXX piece. My problem is who the holder of the other property and where is the tax escrow that I paid to XXXX and XXXX because my local tax office is threatening foreclosure for nonpayment of taxes.
Bank of America is the biggest hypocrite in the banking industry. I had a {$500.00} card with bank of America for 6 years, I was never late nor was ever over the limit. in XX/XX/XXXX, Bank of America gave me an additional card with a limit of {$2000.00}. in XX/XX/XXXX, my nephew died and his family could not pay for the funeral, so in XX/XX/XXXX I took an advance ( s ) from the newer card to help my family defray the cost. immediately in XX/XX/XXXX, Bank of America closed both of my accounts without any notice or alternative. My payment history on all of my accounts, including these closed BOA accounts, for the last 5 years are 100 % on time. on XX/XX/XXXX I called the bank to see if my balance transfer from another institution paying of the remain balance, had posted. the representative told me that she would look into seeing if the credit card could be reopened. After review, she stated that she could not reopen the card on her end and THERE WOULD NOT BE AN INQUIRY ON MY CREDIT. after I hung up the phone with bank of America, I Immediately received an alert from XXXX, XXXX and XXXX  that Bank of America conducted a hard inquiry on my credit, although the representative XXXX, said there would not be an inquiry. Immediately Bank of America does not care about the individuals it serves, it only cares about its bottom line and ROA. They do n't deserve to have the name America in it 's title. I had the card for more than five years and was one of the older trade lines on my credit and when they closed it without notice or alternative it cause me a great financial harm. I feel they suckered me in to taking the additional card
We have several accounts at KeyBank. Someone did an online transaction and took a total of {$1000.00} from XXXX of our accounts and created a new account and put the {$1000.00} in the account that they made up and then took the money. We contacted the bank immediately. We were told that it looked like someone within the bank was internally moving money and it should be just fine. It never was fine. We have spoke to the Branch Manager and the Fraud Management in New York and we have been told that the fraud department investigated and it could not help us with anymore assistance. The letter stated that we would not be getting a return of our {$1000.00}. Please help us. This money is to pay for my real estate taxes and home owners insurance.
Hi Team, I opened Citi bank account with promotion of {$400.00} bonus. The requirement was to maintain {$15000.00} total combined balance in accounts for 60days and bonus will credit within 90days for meeting requirement. 

Account Open date : XX/XX/2018 Amount {$15000.00} deposit date : XX/XX/2018 Requirement met on : XX/XX/2018 Bonus Expected date : XX/XX/2018 Contacted bank several times they did confirm account meets bonus requirement but no bonus credited yet. 

Thanks
First of all this is not about an issued card as far as I know but a fraudulent application for a card. For the last several months, I have received a letter from Chase Bank telling me that they have not been able to issue a credit card in my name since I have frozen my credit. The letters asks me to lift my credit freeze. The problem is I have NEVER applied for a Chase Bank Credit Card or the Amazon.comVisaSignature card they refer to. Each month, I call Chase Bank to tell them the application is fraudulent yet the letters keep coming. Today, I called and the representative told me that he would mark the application as fraudulent but that he could not mark future applications as fraudulent. He said someone is reapplying each month in my name. The odd thing is that they are using my correct name and address which means the credit card would come to me. The only other person living in my home with me is my husband of 51 years and he has not applied for the cards either. Please help me stop Chase Bank from sending these letters.
Every month since this new company bought our loan from a different company they have been reporting as 30 or more days late. We have called Carrington several times to find out way they are reporting this and they state that we are not late and up to date. They still report as late. They took over at the end of last year. So we call every month and they state we are in good standing. Worst company ever.
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and Equifax several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
I checked my credit report and saw a debt that didnt belong to me I have reached out to XXXX but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.
I am a former Amazon.com ( GE Capital/Synchrony ) credit card holder. When I received the credit card, I was signed up for the Card Security protection program. After several months of having the card and making timely payments, I was laid off and unable to make substantial or timely payments after exhausting my unemployment benefits. Thus, the card was sold to a 3rd party collection agency despite me having this credit card security protection program in place. I am now being sued by a collection firm for the outstanding balance and legal fees. Is there any sort out of assistance for someone in my situation? I know about 2 years ago the CFPB found GE Capital Retail Bank/Synchrony Bank, Case XXXX, in violation of certain consumer protection acts. Any advice?
Have sent certified letters and also have called to request that inquiries that I did n't authorize be removed from my credit report. I am always told to contact the creditors to request that they remove the inquiries. The creditors state that because I do n't have an open account with them that they do n't have any information on any inquiry being placed on my account due to them running my credit. I have been given the run around for the past few months no one seems to want to willingly help me resolve this matter.