WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a payday loan to help my XXXX sons who just stated college XX/XX/XXXX, I was XXXX that afternoon when I went to work, XXXX XXXX XXXX was told verbally of my situtation, XX/XX/XXXX I return a call from Alliance Capitol Mgmt XXXX XXXX, I explain to her that I 'm still unemployed, she started asking can someone help me I let her know my family is helping me from becoming homeless, she ask what about unemployment, I told her that it ended and I was n't getting enough to pay back an loan, my concern was keeping a roof over my family, she got aggressive asking about my income tax, if I own my home and how much was my employment, she was wrong on so many levels, she even said I knew I was getting fired. I am under alot of stress and I do not need this
Around XXXX 2015, entered into the XXXX credit hardship program for a length of 12 months. During the phone call with the collector, they stated my debt would be settled after 12 months of on time payments of {$14.00} a month. I specifically asked them if the debt would be discharged after 12 months and they responded in the affirmative. On XXXX of this year, after making all the agreed payments, I called them about why the debt had not been discharged, and they stated I had misunderstood what the agent had said about my debt being discharged and it was a common problem of people in the hardship program. I stated I had the original contract sent to me by them as well as a transcript of the agent telling me they would discharge my debt. After putting me on hold they stated they would review the original call from XXXX of 2015 and get back to me in 5 business days with there decision. I asked if they would discharge the debt as agreed upon and they stated they would not, they would do only what they could as outlined in the paper agreement, not what was verbally agreed upon. I stated I wanted to settle this matter now and I would pay the remaining balance on the statement, barring the removal of the late fee 's they had charged me. I did not want to go to court over such a small amount and they made it sound like this would be something they would go to court over as it was a 'common mistake made by there customers over the hardship program '
This complaint is in reference to Commonwealth Financial.
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I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
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I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
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I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. <P/>I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.
ACS has changed names/ownership with no notification. Now I can not log in to the new company to pay my bill.

ACS was acquired/merged with Conduent, and now I cant log on to pay my student loans. I have been paying on time since I started in 2014. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I DID have an account! I live abroad, so I cant be wasting additional money trying to call and being placed on hold for a ridiculous amount of time.

These are the issues that I am having!!
On XX/XX/XXXX I checked my credit report, after the report came back there was loan on there that showed up under my soft inquiries as well as few more. I called the company and was told that they could not tell me when I tried to get the loan because I wouldn't tell them my Social Security number. 

With that being said I looked a little further and got all three of my credit reports, that is when I noticed and showing up under " previous address and personal information ''. This address is not my address nor have I ever resided at this residence. I put a credit alert on my credit report at this time with Transunion. 

During my paramedic program XXXX we are required to have a criminal, background check performed. The company XXXX is who it is through, in the report of my results for my criminal background check the section " previous address '' had the same incorrect address listed for my residence in XXXX. As stated I have never lived there nor have I ever put this place as my address.
XXXX   XXXX  sent a request for information and notice of error ( QWR ) to Nationstar on  XX/XX/XXXX . Nationstar received this QWR on  XX/XX/XXXX , as evidenced by a signed return-receipt. Per RESPA, Reg. X 1024.35-36, Nationstar should have responded to  XXXX   XXXX  's QWR by  XXXX   XXXX ,  XXXX   (   XXXX  business days from receipt ). It is now,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX  has not received a response to his QWR. Time is of the essence in this case, as there is a law/sale date scheduled for  XXXX   XXXX ,  XXXX .  XXXX   XXXX  requested the following documents from Nationstar :  1. A  complete account history for the life of the loan showing how each payment was applied to interest, principal, escrow fees or charges, and the suspense/unapplied account ;  2. A  copy of each escrow analysis conducted on my account since  XXXX   XXXX  ;  3.  An itemized statement showing all costs and fees that may have been assessed to the loan account for the life of the loan including but not limited to late fees, inspection fees, broker price opinions, foreclosure fees, bankruptcy fees, and attorney fees ;  4.  Copies of any loan modification trial plans, permanent modifications, and/or forbearance plans  ; 5.   Documentation showing my approval for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present ; and  6.   Documentation showing my denial for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present.      XXXX   XXXX  also asked Nationstar to investigate why his payment suddenly increased from {$1800.00} to $ 2,500+, following a permanent modification in  XXXX   XXXX .      XXXX   XXXX  complied with all of Nationstar 's request during the modification process, and the sudden increase is more than likely due to a Nationstar escrow miscalculation. Nationstar has failed to explain to  XXXX   XXXX  why his payment increased by $ 700+ making his newly modified payment unaffordable.
My XXXX XXXX Card account was acquired by Capital One sometime inXX/XX/XXXX In XX/XX/XXXX XXXX  issued a large interest refund check to me for over-charging interest on my account balances, beginning in XX/XX/XXXX. Chase stated that my interest rate should have been prime + 5.99 %. I asked Capital One to investigate why I was currently being charged interest at a rate of 20.49 %. I have made all payments on time, and I have done nothing that would have allowed Capital One to subject me to higher interest rates than what I had with XXXX  at the time of the account acquisition. I initially contacted XXXX XXXX XXXX, at Capital One 's headquarters in XXXX, Virginia. He referred me down the line to individuals ( " XXXX  '', " XXXX  '', " XXXX '', XXXX XXXX, XXXX XXXX ) who repeatedly promised to review my account. It has been well over two months now and I have not received a substantive response to my request for an interest rate review and credit.
I tried getting a advance on my hours i worked with XXXX XXXX and bbva compass is not verifying my information like needed.
I placed a pickup from Uber from my office at XXXX XXXX XXXX, XXXX, Florida. The driver confirmed the pickup and then did not show. The application showed him driving all over the area but not where I was. The driver cancelled and then charged me a cancellation fee. I refuse to pay for a cancellation by the driver. 

I had to place a second order and was late for an appointment as a result.
i recently received a letter from Transunion on XX/XX/2017 stating that the investigation of the dispute of credit error item had completed, and the item of error has been successfully deleted or removed from my credit report. So i checked my credit report online and the item was cleared then but somehow on XX/XX/2017 the item of error reappear on my credit report again as i recheck my credit online religiously. i have been discussed this matter with the credit grantor and it was settled in an agreement. In my humble request for the credit report agency to investigate what is happening with this matter and provide a best solution in regard of this item of error.
This information was already removed from my report and has since been added back on. The company was not willing to let me pay it with them even though it was an account someone else put in my name. They said there was nothing they could do because it was sold to a collections agency. The agency harasses and calls non stop and refuses to state who they are. This blemish was removed and should return that way.
AHFC is reporting outdated information about my account which has always been delinquent since 2008 and now charged off account to the credit bureaus.
Rescission Notice was sent. 
I was completely ignored by the originators the trust, XXXX XXXX XXXX. 
It is TIME.
YESTERDAY..TRANSUNION CONCLUDED INVESTIGATION ON XXXX XXXX ON THE RESULT ATTACHED transunion in the remarks says falsely and inaccurately that the account was settled for less than balance.I want complete information to report, I want the amount I paid on XXXX/XXXX/2016 to be the recent payment : {$260.00} and amount paid {$260.00} on the report.I want {$250.00} to stay on the report as the correct amt. of original collection.I have included creditor letters. 
IF TRANSUNION DOES NOT REPORT THE AMOUNT ACTUALLY PAID ON THE REPORT ... TRANSUNION MAY BE AIDING AND ABETTING AND CONSPIRING WITH XXXX IN A CA ROSENTHAL FDCPA VIOLATION OF ARTICLE 2.6. ( ATTACHED ) additionally today transunion would not start a dispute on the phone or on-line.I called XXXX two times was transferred 4 times each until I was left with a voice-mail. 
I clearly stated the purpose of my call to XXXX different people to dispute on my credit report. 
The previous CFPB INVESTIGATIONS SHOW THAT TRANSUNION HAS A PATTERN OF VERIFYING SERIOUS FALSE, DAMAGING INFORMATION ON MY CREDIT REPORT.
Complaint against XXXX Credit Reporting Agency. They show loan ending XXXX in my name active in Chapter XXXX Bankruptcy. This information is destroying my credit score and report. I have contacted XXXX and have had no success in getting this error removed. The Chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX name. The court will provide proof that I am not in bankruptcy in anyway whatsoever. This error has been reported since XX/XX/2013. Ironically XXXX and XXXX are not showing any derogatory information on this account.
TransUnion is reporting opened date and payment history in this account XXXX Mortgage wrong, since this is inaccurate reporting please remove it from my credit report.
Bank of American has taken over my home. XXXX XXXX purchased XXXX XXXX XXXX XXXX, XXXX, PA XXXX and my husband and I purchased home XXXX XXXX XXXX, XXXX, PA. In XXXX XXXX XXXX changed our address. XXXX home is now home XXXX XXXX and my home is home XXXX XXXX. Since then the XXXX home has gone into foreclosure. Bank of American had the address home XXXX XXXX as the foreclosure so the bank is insisting they have the correct home. They had my home on XXXX in XXXX of XXXX and my home was being bid on. The bid was not high enough, so the home did not sell. I had FINALLY got someone to listen to me at Bank of America and THOUGHT I had it straightened out and they took my home down of XXXXAuction. On XXXX XXXX, XXXX XXXX changed all the locks on my home, pad locked my garage and posted a notice in the kitchen. I contacted the PA XXXX Police and they told me it was a civil matter. I 've talked to multi attorney 's, Assistant DA, a few state troopersXXXX, Bank of American, the Twp for the address change and XXXX XXXX ( who my mortgage is through ). What I have learned from the PA XXXX Police is that, yes, XXXX did break and enter into my home and that is a criminal act but XXXX is protected by the Good Faith Statute. They were hired by The XXXX Department and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( P ) XXXX ( F ) XXXX XXXX Bank of America XXXX. They will not speak to me because my name is not on the mortgage. Well of course not, BECAUSE IT IS NOT MY HOME that is in foreclosure! This is negligence on Bank of American part for not having their records straight and have the correct address for the XXXX home. I have all the paperwork and contact to confirm that everything in this email is true. This is a rental property. I now have lost XXXX tenant and another XXXX may leave as well. My neighbors now think that we can not pay our bill. I was informed that until this is straightened out with Bank of American and they insist my home is theirs because of the house number, they can come in and seize anything that is the home. This is unbelievable to me that everyone is protected but me. The only way that I can get any help is if I spend XXXX dollars on an attorney.
In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.
This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point.
I was financing an auto loan with Bridgecrest and on XX/XX/2017 I was struck from behind while sitting at a stop light. The vehicle was total and XXXX sent a Vehicle Value Report with a settlement value and is waiting for the letter of commitment to finalize the contract. I called several times to close the contract so I can find another vehicle. It's been several weeks, Bridgecrest never contact my Gap insurance, is collecting payments, charging interest and stalling to secure another auto loan.
repeated calls threatening me and involving my child who is a minor. They will not provide me with complete information. Phone calls are harassing and will not stop.
We discharged A Mortgage in a Bankruptcy in 2007 with PHH Mortgage in 2007. We never reaffirmed the Mortgage. The Mortgage company has placed an adverse action after 5 years later on my credit when they proceeded on a short sale to dispose of the property.
HSBC is charging me a late fee for a credit card that had no balance and which I have not used for years. I called them one or two years ago asking to close the account, they said I should go to the branch to close it. I explained I could not go during the bank hours since I was working. I just wanted to close the account. Now I found out this affected my credit score. Further, I have a charge that I don't recognize.
On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.
I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   ). On   XX/XX/XXXX  be cause  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since   XX/XX/XXXX   I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all  XXXX  credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XX/XX/XXXX   and in  XX/XX/XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XX/XX/XXXX . There w as no explanation on how or why my credit was pulled this time either. I had n't even been into  XXXX   XXXX  office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX  Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX  Inquiry be removed  My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , MN  XXXX  The inquiry was submitted on   XX/XX/XXXX  and on  XX/XX/XXXX  w ithout authorization or consent.     2.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on   XX/XX/XXXX  and again on  XX/XX/XXXX . B oth without authorization or consent.     3.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on     XX/XX/XXXX  and again on  XX/XX/XXXX .  Both without authorization or consent.     4.   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on   XX/XX/XXXX  Without authorization or consent.       5.  Certified Credit rpdt  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted  on  XX/XX/XXXX . Both without authorization or consent.
I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month.