WillisBack/dataset-financial-user-claim huggingface dataset:
We applied to re-finance my wife 's student loans with me as a cosigner, because she is unemployed. SoFi requested employment verification. For employment verification, my employer sends a password protected PDF to the entity, and sends me the password for the PDF. It is my responsibility to provide that password to the entity. I requested through my employer on XXXX/XXXX/16 that they send employment verification to " XXXXXXXXXXXX ''. I received the password from my employer and sent it to SoFi at XXXX XXXX, XXXX/XXXX/16. On Tuesday, XXXX/XXXX/16, I received word from SoFi that the employment verification was only good for a short period of time in their system, and they requested a new employment verification. I again requested employment verification from my employer be sent to " XXXXXXXXXXXX ''. I received the password and sent the password to SoFi at XXXX XXXX, on XXXX/XXXX/16. I called SoFi after sending the password to confirm they had received both the verification document and the password. The phone representative allegedly spoke with the Reviewer for our application, and they confirmed they had both the document and the password. About XXXX CDT, on XXXX/XXXX/16, I checked the SoFi online portal, and it still showed my employment verification was missing. It had an option in the portal to upload an employment verification document. In the interest of thoroughness and redundancy, I requested a third employment verification from my employer, but this time I requested the document be sent directly to me. I received the document and the password, un-encrypted the document, and re-saved it. I then uploaded the un-encrypted document to the SoFi portal about XXXX XXXX, on XXXX/XXXX/16. Since that time, SoFi apparently has no record of receiving the previous two employment verification documents directly from my employer, nor a record of the SoFi employee I spoke with who verified the second employment verification. They have stated the document I provided is not sufficient because it did not come from my employer, and have requested yet another employment verification from my employer. Seeing as I have had my employer send two previous employment verification documents directly to them, I have refused to have my employer send them an employment verification a third time. SoFi 's lack of record-keeping and document accountability is alarming to me. I have provided them a lot of personally identifiable information ( PII ). How secure is the rest of that information if they ca n't locate the previous two employment verification documents my employer sent them? I suspect there must be a standard financial institutions are required to adhere to in maintaining customer 's PII. I am concerned that SoFi does not have a practice of adhering to those standards. We have withdrawn our application from SoFi due to their poor record-keeping practices and insistence that I have my employer send them a third employment verification, but felt it prudent to file a complaint in the interest of all of their clients PII.
Credit Protection Association, LP is attempting to collect on a disputed bill from XXXX XXXX. I have been in contact with XXXX and the FCC regarding this matter for several months. Nonetheless, in spite of the amount being disputed XXXX placed the account with this agency. The agency was previously notified that the amount is disputed.
In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied.
I took out a loan with Big Picture Loan on XX/XX/17 for {$470.00}. The interest rate is 544 % which is way over Oregon 's legal limit. I have already paid {$650.00} on this loan. When I checked my account details it says I still owe {$450.00}. I was not aware that almost all the money I have paid so far has only gone to interest on the loan. I have already paid what I borrowed, plus more in interest. I will never be able to pay off this loan at this rate.
Chase bank puts holds on all of my purchases, debit and credit. I always go to the same gas station and the debit purchase is ALWAYS on hold for at least 2 days. They have a policy of not charging overdraft fees for under {$5.00} -- yesterday was the day before payday, so I was going to put {$4.00} in the tank like I have to do sometimes but the pump was stuck and ended up giving me {$5.00} - I went to the bank branch nearby ( they are always very nice ) and they looked at the history and said that yes it should take a few days to go through and since I got paid today, there should be no overdraft fee. 
I have noticed that WHEN they can charge a fee for a purchase, they will have that purchase go through that same day instead of pending it for a few days. I was charged a {$35.00} overdraft fee because they did n't hold this purchase like they normally do - I realize it was my fault technically for going over the {$5.00} mark by XXXX cents, but it is these overdraft fees that make it very hard to pay my student loans and other bills and lead to further overdraft fees because I am always playing catch up ... It seems like they are not playing fair by choosing what purchases to " pend '' and what ones to rush through just so they can charge a fee. Because I try my hardest to pay all my student loans and rent, etc on time, I live paycheck to paycheck and often have to rely on that & lt ; {$5.00} rule - but I still have paid Chase over {$200.00} in overdraft fees since XX/XX/XXXX ... It is a HUGE burden on XXXX people, on people struggling with masive amounts of student debt.
I have been making payments on this student loan from Navient ( originally taken out from Sallie Mae ) since 2010, every payment on time and for the correct amount. I have been enrolling in a Rate Reduction Plan as long as I have been able to, since I have almost always made under {$13.00} an hour and can not afford the ridiculous amount of money they expect a person to pay. I also have other student loans that are not private from other companies. I am a XXXX year old adult, who works full time, sometimes two jobs, in order to live. I have rent and other bills like any other person does. Navient had sent me an e-mail in XX/XX/XXXX that my rate reduction plan was ending and to contact them. I called and gave someone all my information, and I was told the computer would not accept it, because it was too soon and I still had scheduled payments, and to call back closer to XX/XX/XXXX. So I called again in XX/XX/XXXX, and was told the same thing, the computer would not allow her to do it, but she didn't know why, and to call in XX/XX/XXXX. I spoke to someone else today, XX/XX/XXXX, and I was told I could not enroll in this plan any longer, they did not know why, but I can not do it. He said they look at my credit history and other things, and I can use my 4 months of forbearance, or temporarily do interest only payments, but both options are only temporary and since I am not experiencing a specific hardship there is nothing they can do to help me. I however make only {$12.00} an hour, and work full time, and make under XXXX a year. I always pay my bills on time, and am financially responsible with the money that I do make, and it's seeming to get me into more trouble rather than helping me in this instance. I don't know what other options I have if I just do not have the extra {$400.00} dollars a month to pay them. That could be rent for an entire second apartment. I also have other student loans that equal around {$100.00}. I would like to be able to make payments on this loan, however they are not willing to work with my financial ability. I don't know what else to do. I am not able to get ahead, save up any money, or do anything for my own future. Please help me!
On XX/XX/2015 Citibank Credit Card closed my account with reason that they have the right to close my account at their discretion anytime without any prior notice. I have a credit balance on the account amounting to {$7700.00}. I asked them to direct deposit my funds but they said they are going to review my payments. If they had only contacted me and gave me a way to know that they are closing my account then i would not have paid my account.
I experienced a foreclosure. The loan that I took out in XXXX foreclosed in XX/XX/XXXX. XXXX was the highest bidder and purchased the home for the price of {$200000.00}. The Deed of Trust that was foreclosed on was only for {$170000.00}. Fannie Mae actually made money on this transaction as the XXXX mortgage had been cancelled. There was no deficiency that they could come back and charge me for. A new homeowner has been living in the house and paying taxes since XX/XX/XXXX. I applied for VA loan for a new home recently and discovered that Ditech Mortgage is reporting on my credit report and to XXXX that I still owe them over {$160000.00} for the remaining balance of the loan. They have been paid in full and want to collect from me and are blocking the purchase of my new home. I have lost {$750.00} in due diligence money that I gave in good faith and {$370.00} for the inspection fee and {$500.00} for the appraisal. All because they have not removed a foreclosure from their books. I am a XXXX Veteran and this entire experience has been beyond discouraging. I feel confident that these types of practices is why the Consumer Financial Protection Bureau was set up.
Dear officer, I made a purchase of a really small amount on my credit card XX/XX/XXXX. The bank failed to send the monthly statement by mail and so I was not aware of the balance on the credit card. I did not make any other purchase on that card since then. The credit card company never contacted me about the past due until XXXX months later when I was warned by the credit score change ( 800+ to 620 ) from another credit card company. The bank have all my contact information on file including email address and phone number but obviously they did not try to let me know about the problem. I think the bank should be responsible for providing the account information to me and warn me about past due. Thanks!
On XXXX/XXXX/XXXX an account was opened at a SunTrust Bank branch in Florida using my Social Security number and someone else 's name. I do not and have not ever had any accounts at SunTrust Bank. 

XXXX monitoring service provided an alert prompting me to call the bank to determine the nature of the alert. 

XXXX I called SunTrust bank noting that I had received an alert and that fraud was suspected. They opened a Fraud claim and they were unable to provide me with additional information other than I need to wait for an investigator to contact me. I was told I would be contacted in XXXX hours. 

( After XXXX/XXXX/XXXX with all of the additional documentation and proof of identity that is needed to open a bank account, I do NOT understand how they could use my social and another name. Is there no validation of the social and name in any banking or federal database? ) XXXX called SunTrust bank again for follow up. Was told they are still waiting for the investigator and that I would be contacted in XXXX hours. They are unwilling and/or unable to provide me the contact information for an investigator or information to adequately protect my credit and identity. If the person committing the fraud is using my social security number, I should be provided the information/address of the account or relevant information to protect my interests
Ocwen Mortgage - they were over charging me for escrow on property tax. Overcharging me in excess of XXXX a year. I contacted them and they promised to correct it and send me a refund. I was told it was handled. So I started paying what I thought was the proper/adjusted mortgage payment. As a result they charged me with " late payment '' with fees and it showed up on my credit report. This has been a negative mark on my credit. Finally after repeated calling they did take care of it and issued me a refund for overpayment. They never removed the credit errors of " late payment ''
I signed a contract as a condition of employment with a commercial trucking company. In the contract it states " Promise to Pay. By signing this agreement, you promise to repay to XXXX the value of the XXXX if you do not complete XXXX paid solo miles. You are responsible for repayment if you voluntarily terminate your employment or you fail to maintain your driving qualifications other than your physical qualifications '' I was terminated by the company after having a small accident. I did not voluntarily terminate and was still qualified to drive. I did not break the contract and was acting in good faith with the company. The company did not tell me at the time of my termination that they expected me to pay this money. They withheld a small portion of my last pay and this is how I found out about their intentions. I called the company 's HR department and they refused to discuss the issue of owing a debt and said that a collection agency would contact me. The collection agency that contacted me was sent XXXX registered letters explaining that I did not owe the money. I have contacted an attorney two times to receive guidance on this issue. The collection agency has called me six times after receiving the letters. My former employer does not have a right to seek this money by the nature of the wording in the contract. I wish to have this resolved without having to seek legal action in a court of law.
My XXXX old mother received a phone call from this agency less than a week after my father was buried. The company representative scared my mother mentioning liens against her farm, credit reports, etc. My mother shared that this man 's tone and approach scared her and was very disturbing to her. I called the company and found this individual to be very callous. His lack of basic human decency is beyond pale. Trying to scare an XXXX XXXX XXXX widow out of {$500.00} ( contested debt that my father cleared with the company and yet could not get them to clear in " their systems '' ) is abhorrent. Our father and mother have always paid what they have owed- my father has only contested XXXX things in his life and stood on principle regarding companies trying to collect what is not fairly owed to them.
On the XXXX XXXX, 2017. I applied for a credit card in Santander bank, but i was denied because my credit score shows XXXX ( XXXX ). I am confused because I banked with santander bank and there is no way I can build a credit if i do not have a credit card.
I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
I receive at a minimum XXXX phone calls a day from them. They never leave a message.
I tried calling Discover Credit Card services to find out how they calculated my monthly interest rate. I know that it is now calculated based off 2 factors : your daily periodic rate and your average daily balance. I could not find out how they came up with the amount they provided for my average daily balance and called customer service for assistance. They could not provide how they came up with the number and I asked to file a claim. She said she would express my issue with someone higher up, but I still dont know how they came up with the amount and it was never explained. I will be looking further into my other credit card companies as well to see if it possibly exists beyond Discover. I just got off the phone with Discover as soon as I began writing this complaint. I believe millions of customers are being get XXXX XXXX by credit card companies and have been for longer than Id like to think. When they charge you an interest rate, it should be clearly explained on how that number was calculated. And I fee that you use be able to use the same formula, plug the same numbers they used, and get the exact same amount they did. If you cant, somethings wrong ; which could possibly mean they are overcharging interest.
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} Fidelity Credit Acct # XXXX Bal {$2900.00}
I always kept my account in perfect standing, always making payments on time & had just paid my account off. I kept expecting that they would give me a credit increase. But I applied for an upgrade to a Visa card through this chain before XXXX & was turned down. That was my first shock. Then a few weeks ago I went into the store to make a purchase & it declined. I called immediately from my car & they told me they had closed my account. I was totally shocked & in tears. Then about a week later I got a letter in the mail from them about it! They told me my account was in excellent standing. I have had XXXX XXXX this past year & a few things fell through the cracks that my husband was paying. He had also applied for some refinancing on our car & the hard checks brought my credit down. All no fault of my own. I think this is totally unfair that they closed my account when it was in excellent standing. And it wasnt like I had a huge credit limit. Only {$300.00}! I had been working on building my credit back up prior to getting XXXX XXXX. I had done really well getting my scores up. I had gotten up to almost 700. My account should not have been closed! How can anyone ever build their credit if banks treat people this way?! It should be illegal. Thank you for your assistance!!
i am having calls 24 theathing me to arrest me and pay full amout go to court XXXX me to incrint to XXXX
I cancelled my Bank of America credit card. They sent me a new one I didn't ask for. 
I never activated the card they sent, charges appeared on the card I DID NOT ACTIVATE B of A cancelled the charges and said they would cancel the card. But the account is still open and contacting them is incredibly difficult. I DO NOT WANT THIS CARD OR ANY OTHER B OF A PRODUCT. I want them out of my life.
My co-signer for a private student loan received a single phone call from a collection company, Credit Control. My co-signer explained that I was not available at that time but would pass the message on - the rep insisted that I knew of the debt as they have sent several letters and made several attempts to reach me by phone. No letters have been received, and no phone calls other than this single call have been made. A few hours later, I returned the call and offered to pay regular monthly payments starting in a few weeks time as I did not have a lump sum and could not at that time make a down payment. The rep told me that without immediate payment, " further collective action would be taken '' and he refused to set up regular payments on the account without a payment then and there, even after explaining that I did not have the money to make a payment at that time and that doing so would put me in a worse off financial position. I explained again that I was happy to make regular payments that I could afford starting in about 2 weeks time, and he again refused and fell silent. I felt harassed and bullied into making a payment which I could not afford at that time.
Please note I have contacted the company regarding this and they passed the blame back to XXXX. Please see case # XXXX against XXXX. Please also note that i would have also filed a dispute on my credit file had i known what to dispute as you will find attached i have a copy of my transunion credit report and there is no information on it that suggests I have an installment loan so I really have no way to file a dispute with transunion. I have found that these reason codes are in fact generated by transunion. All I want to know is what installment loan are you referring to with reason code XXXX " lack of recent installment loan information '' but nobody seems to want to tell me what non existent installment loan I have. Do I really need to take you and XXXX to small claims court for hiding information and sharing false information thereby fraudulently affecting my credit which in turn could cause any number of negative affects over years, just because you guys refuse to tell me what " lack of recent installment loan information '' means when I do n't in fact have an installment loan
Please, be advised that Navy Credit Union bak, withdrew a money from my checking account to cover a charged off credit card, where we had not such a an agreement when I went to your local branch in XXXX XXXX. Bank teller, specifically, said that I can not tranfer money from on line banking to cover credit card payment, instead I have to go in the branch and make a payment. I do n't know how bank collection department got a liberty to transfered money without my consent, beacuse of that my check returned to merchandise for insufficent fund and also got charge a {$35.00} fee on top of bank a fee of XXXX . 
It was not a specefic date that I had to make a payment in the branch '' just once a month. A nay federal bank should refuded me a XXXX $ fee plus a XXXX $ that charged by merchandise, the totale of XXXX $ should be credit it back into my checking accoun.
I was charged for a transaction that of {$740.00} on  XXXX / XXXX /  XXXX   from  XXXX   XXXX   XXXX . I disputed this transaction as unauthorized to my credit card company  Chase . In their dispute process I have provided them documentation that states the charges where charged to another credit card from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card. I have been reapplied the unauthorized charges. I find th at Chase has  done very little to protect me as a consumer. I have a valued client for over 25 years and a  XXXX  senior citizen.