WillisBack/dataset-financial-user-claim huggingface dataset:
I am having issues with SLS Specialized Loan Servicing Company. When the mortgage was turned over to them from a previous mortgage holder a couple years ago THINGS GOT REAL BAD. Since then the posting of payments made have been inaccurate and misfiled, even so to have me put into foreclosure that went all the way to a Law firm XXXX XXXX XXXX firm that SLS later found the mistake and corrected it this was in XX/XX/XXXX. I was shown as XXXX behind. They were going to take my house. SLS ended up fixing the foreclosure with the Law firm. Only saying they misplaced the money. They mailed me a statement that shows not past due, current amount and payment amount due etc. XXXX XXXX XXXX XXXX emailed me a copy of the dismissal letter and said your not in foreclosure. I now have damaged credit showing 19 plus late payments and another amount of XXXX on my credit from them! They are crooks. I have called them asking for proof of their mistake of putting me into foreclosure then them fixing it and they told me the money just got misplaced. I called SLS XX/XX/XXXX just to ask when they received my last payment and when is the next one due because i do not trust them SLS told me they have not received anything since XX/XX/XXXX!! I have the proof XX/XX/XXXX was made last week. They are ruining my credit with 19 plus late payments stating 150+ days late! This is now on my credit. I used to have them draft my house payment from my account. I had that finally come to a stop last month after a long time of getting someone to help set it up. They have horrible reviews and need to be stopped. This was my first home i purchased when i got out of the XXXX years ago. I now rent it out as its too small for my family. We were going to purchase a new home this year and the loan officer told us this was on our credit! This company is recording false payments and as my phone call the other day they still are not recording my payments. This must be stopped. Please help. Thank you
My debt is from XXXX which is almost 17 years ago. I was told by both of the original debt collectors they would write off the XXXX dollars because I became ill and could not work due to my illness in the year of XXXX. Out of no where Midland Credit Management , INC . took money out of my checking account and threatened to keep it and sue me if I did not give them XXXX of dollars. I had to go to court and they gave me a card to call MCM. I called them immediately and explained my current my financial status that was in the area of poverty and if my money was not returned I was going to be homeless. I told them that I had not been contacted by them and they agreed to return my money only under the conditions that I I setup a payment plan with them to pay off thousands of dollars. I agreed to pay XXXX a month until it gets down and then they will make an offer to pay it off. Well, I been paying faithfully every month for 8 months. This past XXXX ( XXXX ) I got a letter that said I needed to set up a new payment plan. I called them and paid them XXXX and they never told me it was for a different collection they picked up on me in the year of XXXX during the same time of my illness. I went through a divorce due to my illness and he left me with all the bills. I am not a dishonest person I just did not have it and have not been able to recover from my illness is the reason for my low socioeconomic status. By this company not telling me there was a new bill I was paying on the bill got me behind a month so i tried to call and tell them what they did and they acted like they did not know what I was talking about. I gave them XXXX for both months. I called the other number to try and get to the bottom of this issue and they hung up on me several times and they gave me false numbers and I was only connected to the credit managers in XXXX. They would not connect me to an English speaking person and they were very rude and hateful to me. I tried to tell them that I did not know about the new bill and they said that they explained it to me and they did not! I do not know what to do I was XXXX at the time of these bills in the year of XXXX. Please help me to resolve this issue. I will be fair but I cant get any answers and I am afraid everyday they are going to steal my bill money again. I do n't know my rights but i do know that I feel violated and I am afraid of this company. I cant find a number that is in the US. Please HELP ME!!!!!!!!!!
As per attached Registered letter to Experian, I have, since XXXX 2015, complained that several entries are not mine, and requested an investigation. Experian has failed to execute an investigation. CFPB should compel this renegade credit reporting agency, or I will do it via a Court here in California.
XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure.
2. Being reported as delinquent to check systems.
3. Being harassed by a collection agency.
4. Reporting to all three credit bureaus for seven years and still showing if paid.
5. Decreasing my fico scores ; preventing me from purchasing a home until paid.
I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case.
Synchrony Bank handles the Credit Card for JC Penney. I realized I was getting late fees last year after making 16 payments during the year. I called the credit card and was told that the bank was receiving my payment too early so it did not recognize my payment when it issued my new bill. They did offer me XXXX {$35.00} refunds but could not go back into the account any further. This issue started in XXXX of 2016. I asked if I could talk to a supervisor and was told they could not help me. 
I contacted Department of Banking and Insurance who referred me to you with a Tracking # of XXXX. It seems I can not even speak to Synchrony Bank and do not know how to handle from here. They changed my due date and told me that should remedy the situation.
My home is being illegally foreclosed on. The banks used fraudulent activity such as robo-signatures in order to foreclose. I have tried several times to re-modify but the bank denies my request. The information is always incorrect to make it look like for one reason or another I can not qualify. When in actuality I should qualify for more than one of the federally funded programs. I have a second job/new full time job with XXXX.
In XXXX 2017, XXXX XXXX XXXX sold my mortgage loan to Nationstar with mt first payment to Nationstar being made in XXXX 2017. Nationstar is showing account delinquent for XXXX 2017 which XXXX XXXX collected. All payments were made to XXXX and transferred to Nationstar during the course of lender transition. Nationstar was provide all documentation by XXXX XXXX reflecting that my account was current. Nationstar / XXXX XXXX called me in mid XX/XX/XXXX apologizing for the error and indicated my account would be corrected. However, that is not the case.
I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX XXXX # XXXX this account is not mine, and XXXX verifies with XXXX with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Approximately two weeks ago I attempted to reactivate my account with a money transfer company called Remitly. I had sent perhaps {$12000.00} or more to a friend in the XXXX during the previous year to year and a half with no problems. Circumstances reached a point where I was unable to continue sending funds. At a certain point I received an e-mail indicating that my account was closed to inactivity which I understand perfectly. Circumstances have since changed I wished to resume sending funds to my friend. I called the company as instructed on their website where a representative told me that my account was permanently suspended due to my having broken the rules of service and other suspicious activity. At no time did I engage in any activity that would break any rules. I simply sent funds by charging my credit card and paid the fee to Remitly as needed. All transactions were approved and fulfilled with all fees paid. Funds were sent from my personal credit card to a legitimate XXXX bank. There were no actions that were suspicious or against rules. I am very upset that my legitimate transactions should be described as suspicious and breaking the rules which clearly presume that my transactions are illicit or illegal. I have never engaged in any illegal activities in the past or present nor do I ever intend to. I have sent two requests via the Remitly website describing the problem and requesting informal resolution with no response. I request that my name be cleared of these false charges and my account be reactivated at which time I will decide whether to continue using the account or close it at my request. Thank you.
On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. 

The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. 

All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. 

I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. 

No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. 

I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? 

If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. 

If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.
I purchased a couch at XXXX XXXX back at the end of XX/XX/XXXX for a new office I was furnishing. I found some nicely priced sofas at a local XXXX XXXX. I shopped for the product I wanted and the time of purchase I was offered a XXXX XXXX credit card. I was approved, and used the credit to help fund the purchase of the couch. I was n't explained anything regarding special promotional rates or guidelines by the sales employee who sold me the couch. 

Fast forward seven months, the company is now claiming they had a 6 month promotional rate on the couch for 0 % interest, and that it was made aware to me on my most recent statements that the promo period was ending. Apparently, if I did n't pay the couch off in the 6 months I was going to owe all the interest for the first 6 months ( {$69.00} ), and then whatever else accrues on any remaining open balance I had on the card. 

They charged me {$69.00} on XX/XX/XXXX, and on the XX/XX/XXXX with no warning or clear explanation. After I applied for the card at the store, I waited for the card and statements in the mail for what felt like over 60 days. I grew suspicious due to the long wait and getting nothing in the mail. I decided to call customer service and ask the customer rep. to check our address on file and see if they can send us a card finally. They reissued the card, and despite the error on their part, they would not refund me more then {$15.00} of 1 fee. The total amount I was charged for both fees was {$64.00}, and it was there error because I had not received my statements. 

When I tried to speak to them on the phone when I discovered the had charge my account the finance fee that I disagreed with they said it was to late to change anything. 

I asked them if they had receive my scheduled payment that I placed online for {$100.00} for XX/XX/XXXX but she said nothing was scheduled in the system and I was to receive a late fee for this as well. I was  shocked because even the rep verified she could see the logins on my account on the dates prior to  the bill due date, but did not show any record of the scheduled payment I attempted to submit through their online portal. I tried to explain that their systems must have had an error because I even had it jotted down that I scheduled a {$100.00} payment on my upcoming bill excel sheet. 

With so many problems, I just had it, so I asked to speak to a supervisor who also was unable to help me. I offered to make the immediate payment in full that would have been due back on XX/XX/XXXX to  have received no interest payments. They said it was too late and would n't accept my explanations to reverse the outcome of the interest or fees. I tried explaining that the web portal does not show that the promotional period was ending without clicking into the statement. You have to view the statement in order to view the message. And like so many, I did n't view the details of the statements when logged in. I would just setup payments, and then log off.
I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.
I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an Oregon XXXX, I live in Washington. The debts they claim I owe are over 10 years old. The Attorney is XXXX and XXXX XXXX at Law in XXXX Oregon. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is XXXX XXXX , XXXX.
This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX XXXX XXXX, XXXX ) was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Transunion, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ), this notice includes : Identification of the specific information being disputed : TransunionXXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX Transunion - XX/XX/XXXX XXXX XXXX - unknown/not listed XXXX. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection Transunion - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX XXXX however, XXXX payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** 3. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' XXXX - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report.