WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment.

I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. 

Completely crazy that the failure for them to take payment is a reportable reason.
On today, XXXX/XXXX/2017 I applied for a loan with XXXX. I was denied the loan based on my credit score was too low. The credit score they reported based on Transunion credit Bureau was XXXX. My Transunion credit score is XXXX. I called prosper to ask why there was a discrepancy in the scores and they told me to call Transunion. I did. 

Transunion stated to me, not verbatim, but essentially, that when a lender runs a credit check they use a different model and that is why there is difference in the credit scores. So i then ask, does that mean the lender has the right to alter my credit score. She could not give me a definite answer as to why there was a discrepancy n my credit score. 

I then called XXXX back to inquire again, because no one is giving me an answer that sound legitimate. The stated to me, again not verbatim but essentially, they run a soft check not a hard check, that would go on my credit and us a different matrix and that is why i may be seeing different number. 

This still is not feasible. I could see the lender saying, o.k your credit score is too low for our criteria. We require XXXX and yours was XXXX. In addition to your score being to low you also had this this and this that goes against you getting the loan, but at no time should the credit score be altered from what the credit bureau is reporting. Correct?
If my credit score is XXXX given by Transunion then when a lender say they pulled my credit from transunion, it should still be XXXX, correct. 

Is it legal for a lender to alter you credit score or how does the credit bureau release a different score than what is documented on your credit report.
Equifax is NOT reporting a real estate account from XXXX XXXX XXXX XXXX, # account # XXXX. This account is 25 years old ; opened in XX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}.

After speaking with XXXX XXXX XXXX XXXX, they say they report to EQUIFAX every month, but this account is not listed on my credit file. The monthly bill is attached.
I have an IDR plan that I have been trying to renew for weeks I have submitted the IDR paperwork twice. I have sent Navient 4 emails - I have never received a response from Navient. Now they are saying my loans are 2 days late. 

In the past they hid the email form on their website making it almost impossible to find. Now it is impossible to find. I've been looking for an hour. 

Navient is a highly unethical company. My loans are now late because they refuse to communicate with me about renewing my IDR.
Credit report from XXXX through Credit Karma shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times XXXX/XXXX/XXXX days late XXXX Closed
the banks has hit me with 5 overdrafts on the XX/XX/XXXX & XX/XX/XXXX i deposited my check late on the XX/XX/XXXX but they always release XXXX XXXX time of deposit but not this time causing this overdrafts i understand the first one on the XX/XX/XXXX but the othere four on the XX/XX/XXXX are excessves fees
I have an inquiries with XXXX XXXX Dealer from 2015 on Equifax credit report that I never applied for, I already fill up the Identity Thief Affidavit and send to all XXXX credits bureaus. I request this information to be update.
I have contacted Equifax and have not gotten any response. 
My file has split into two files and there is two fraud account not mine and I sent the police report they requested in order to remove it and it still in my file. 
XXXX XXXX XXXX {$12000.00} Opened Date XX/XX/XXXX XXXX XXXX {$13000.00} Opened Date XX/XX/XXXX
Navient is reporting that my account is 90 past due. This is not true because my account is in deferment. The account was never 90 days past due. The account shows I still owe money. I do not owe money at the moment.
I opened a bank account at Garden State Community Bank in XXXX, NJ, a branch of New York Community Bank. I explained to the manager XXXX that I would be making cash deposits on a XXXX basis of approximately $ 3,500- {$4000.00} per XXXX based on my XXXX take home pay from where I work. I receive a paycheck from XXXX XXXX Bank each XXXX and then take the check to a XXXX XXXX Bank branch up the block to be cashed. After taking some money for myself and giving my wife some money, I deposit the rest into my checking account in cash to pay bills. She assured me this would not be a problem. A few months later, a new manager, XXXX, informed me that she had heard from the back office that there was a problem. I explained to her what I had explained to XXXX, and she told me everything would be fine with the explanation. A few months later, a new manager, XXXX, said she had been contacted by the back office as well. I explained to her as I had explained to XXXX and XXXX previously, and offered to give her a copy of my pay stubs to show where the cash was coming from. She agreed to review the pay stubs and send copies to the back office. She then assured me there would be no more problems. I then received a letter from the VP of the Bank, XXXX XXXX, informing me that there was suspicious activity in my account and that the bank would be closing my account effective XXXX XXXX of this year. I called and spoke to XXXX and when I explained everything to her, she assured me that everything would be fine and I would be able to continue my banking. I then spoke to XXXX XXXX who told me that he would review it and yes it was the cash deposits i was making, but that it is highly unlikely that the bank will reverse its decision. He informed me that they were under the scrutiny of Homeland Security. I told him that I had a problem with this decision because I was doing nothing illegal. He confirmed I was doing nothing illegal, however he again said it is very unlikely that the bank will overturn its decision.
My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law.
I received a Perkins Loan from XXXX University in Spring XX/XX/XXXX. I graduated in XX/XX/XXXX and believed that I completed all of my student loan exit interviews. I subsequently started making payments on Federal Student loans in XX/XX/XXXX. I did not refinance my student loans. I believed that I was making payments on ALL of my student loans ( income based repayment via monthly auto-payment ), but apparently this was only for my subsidized, unsubsidized, and grad plus loans. I was unaware of a separate company through which the Perkins loan was being managed. Four days ago, I received an alert from my credit monitoring service notifying me of a " 30 days past due '' bill from " XXXX University '' which was reported to XXXX AND XXXX. I graduated from XXXX in XX/XX/XXXX. The amount in the alert was almost identical to the Perkins loan amount I had accepted two years earlier ( plus {$100.00} of late fees ). I called XXXX University Student Account Services, and they stated that I did not owe money to the school, but rather, that this was an issue with Financial Aid and my student loans. I called the Financial Aid office and reached a recording which instructed me to call XXXX XXXX for issues of late payments on student loans. This was my first encounter with this company. I called Heartland and spoke with a representative who verified the following information ; name, telephone number, last four digits of my SSN, school/university attended, and mailing address. Each identifier was correctly recorded in the Heartland system, except for my address. I have n't lived at that address since XX/XX/XXXX. The correct address was on file at XXXX University during the time that I applied for the Perkins loan in XX/XX/XXXX.  I explained this to the Heartland representative. He stated that my repayment requirements began in XX/XX/XXXX and that I was past due on this payment by 30 days AND past due for the XX/XX/XXXX payment. Heartland had not yet reported this additional late bill to the credit bureaus. I asked the representative why I had not been contacted initially in XX/XX/XXXX ( or at any other point in XX/XX/XXXX ), at least by phone ( since the mailing address was incorrect ), and he stated that an agreement between XXXX University and Heartland stated that the Heartland company would not contact XXXX loan recipients until their accounts were 90 days past due. This was because of a fee which would be charged to XXXX by Heartland for contacting loan recipients within that 90 day window. 
But, Heartland was able to notify TWO credit bureaus within 30 days. 
I set up an online account today with Heartland, paid the amount which was owed, and created a monthly auto-payment to prevent future issues, but I still have the missed payment reflected on my credit report. The Heartland representative said that he could not assist me in filing a correction with the credit bureaus.
INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
None of the options really covered the problem regarding this mortgage, but I'll explain ... 

Back in XX/XX/2005, when I bought my house, the mortgage company set up a " 80/20 '' loan. I believe this may be considered a predatory loan. To make a long story short, I have been paying a loan for {$42000.00} for 13 years and only a total of {$400.00} has gone to the amount. I still owe {$36000.00}! 

The interest is 10.74 % ... is there ANYTHING you can do to help me with this? I have not contacted the mortgage company because I didn't want any retaliation.
On or about XXXX XXXX I spoke to a representative at Midland Mortgage and explained that I was experiencing extreme financial difficulty due to a family crisis and would like help with my mortgage payments to avoid late fees and negative credit reporting ( if  applicable ). The representative did a financial intake of my current expenses and offered an alternative payment plan where I would pay 1/2 of my XXXX payment and add the balance of the XXXX payment to the XXXX and XXXX payments. I received written confirmation from Midland on XXXX XXXX. The letter stated that on XXXX {$780.00} was due ; XXXX {$1900.00} was due ; and on XXXX XXXX$1900.00} was due. I called on XXXX to pay the agreed upon {$780.00} as agreed. The Midland Mortgage representative and supervisor stated that the agreement was " entered wrong into the system and the system had cancelled the agreement. Therefore the entire mortgage payment was due AND late fees are accrued on the account. '' I payed the entire mortgage payment. However, my concern and complaint lie in the fact that Midland Mortgage clearly did not hold up their end of the agreement, did not attempt to eliminate the late fees and seem to be engaged in practices not conducive to customer satisfaction. At the very least, the late fees should be eliminated. I contacted the mortgage company prior to the payment becoming late and sought assistance from them in advance as the company states on its website and on their recorded phone line. My experience determines that Midland makes false promises and engages in practices that involve unfair practices. We made a verbal agreement and I received written confirmation of our verbal agreement. Midland Mortgage should not be allowed to retract or renege on the agreement.
Please help me to eliminate the accrued late fees and investigate Midland Mortgages customer support practices. I will forward the letter to you as verification of my complaint.
I purchased to 'Simon 5 % back ' Giftcards, with a balance of XXXX on each card. The card has a promotion that if it is used at certain merchants, 5 % of the purchase will be refunded to the card. I made a large purchase at XXXX for approximately XXXX, using my XXXX cards. XXXX is one of the merchants included in the promo. So 5 % was refunded to both cards. I subsequently returned the merchandise to XXXX and they credited the funds back to the cards. At this point Blackhawk Network ( BHN ) blocked my cards. It is very difficult to deal with them. It took a week for them to even do anything. They asked for receipts of the refund, which I promptly provided. I called back and asked why is the card still blocked and was told that they want proof that the promo funds were added to the card. I have no such proof or way of providing that. THEY KNOW it was added to the card and THEY BLOCKED me from seeing the card activity. So basically they are insisting that I provide information that ( 1 ) they already have ; and ( 2 ) they are withholding from me. Now we are talking about {$1000.00}. I ca n't afford to play games with this shady company.
For the past few weeks, I have been contacted by Ace Cash via email to collect on a loan that I have not applied for. I 've attached their latest email to this complaint. I am also being constantly called at all times, presumably by this agency.The last email threatened legal action and was sent by XXXX XXXX XXXX, claiming to be a legal representative for Ace Cash. 

I am very concerned about this because they have access to my Social Security number and my home address. They may even have access to my phone number because I have been contacted via phone as well. I no longer pick up the phone when I do n't recognize the number for fear that this is Ace Cash. I do n't know this company nor have I ever reached out to them for their services. I have never applied for their products. 

I respectfully request the Consumer Financial Protection Bureau to initiate an investigation to determine who is behind this and to take whatever measures are necessary to protect my identity.
Our mortgage company is not working with us on trying to get a resolution on our past due amount owed. They are not workign with us and will not let us know what we can do to save outr home. I am trying to get something since I was laid off back in XXXX. I am working now but no one will call me or work with me on a resolution No matter what I try to work out or file for I am always told by SPS that we do not qualify.
Admin Recovery attempted contact with family and attempted contact with me at work on or about XXXX XXXX 2017 about a debt. Admin Recovery failed to provide me with information regarding a debt soon after they first contacted me.
I put in a dispute on XX/XX/2018 thru credit karma for XXXX and they are still processing it.
On XXXX XXXX, 2016, I called the holder of my federal student loan, Great Lakes, about the possibility of a short term forbearance. I 'm relocating to XXXX in two months and wanted to forbear for three months on my payments to increase my monthly available funds for moving expenses. When I called Great Lakes, I was informed that I was not eligible for a discretionary forbearance. When I asked if there was anything that Great Lakes could do to help me for a short term basis -- my other loan provider was willing to grant me a deferment for relocation expenses and I assumed that Great Lakes would be accommodating since they say to call them for repayment assistance -- I was informed that I could either pay my student loan with a credit card or not pay on my loans. I was told that nonpayment was an option because default would not trigger until 365 days and that there would little, if any, consequences arising therefrom. As a XXXX, I know that this statement was a misrepresentation on many fronts. First, Great Lakes will begin assessing fees on my account the minute I stop paying my account. Second, nonpayment after thirty days will be reported to the credit bureaus, which will adversely affect my credit score and my credit history. Third, nonpayment will make the entire unpaid balance of my loan and any interest due immediately and payable immediately. And fourth, my loan account could be assigned to a collection agency, which could result in wage/Social Security garnishment and further adverse effects to my credit score. The fact that a Great Lakes representative would recognize nonpayment as a legitimate " payment option '' when a customer is faced with a repayment issue is appalling. I hate to think that this is the advice that Great Lakes is giving to borrowers who need temporary assistance with repaying their student loans. Such conduct, to me, appears to be a predatory lending practice that inures in Great Lakes ' favor and not the borrowers.
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl
On Friday XXXX/XXXX/2016 i went in to Money Mart at XXXX LA. I had to cash a payroll check, The check cashing fee was 3 percent. This is an outrageous rate to cash a payroll check.
I had Discover IT card since 2014.I found some charges which i did n't recognized. I called Discover customer service almost a week back. They transferred me to Fraud detection team who immediately closed my account and send me a new card. Within few minutes i understood what 's going on with my account - reached out to the merchant - who issued me the refund. I called Discover Fraud team another team in less than XXXX hours and asked them not to close my account and no need to send me a new card but they said they will make sure that i will get my new card soon. After XXXX or XXXX days - I got new card which was CHIP based. When i tried to activate that card - but i was asked to call during east coast timing only as DFS fraud team works only in XXXX ... i keep on trying for XXXX days ... and when i got hold of them, i was told destroy the card and i will be getting another card. This time i got the new Discover Card via XXXX - extremely urgent shipment after XXXX days. Called upon after XXXX day to activate it. This card was different from my previous cards as it was ending in XXXX ( my old account was ending in XXXX ). But since XXXX days - they ( DFS ) is not able to find out whether the new card belongs to me or not? Finally today morning - they told me that they will be sending me another discover card by emergency shipment. Almost XXXX hours in total i have spent on this matter during last 10 days. I need to work with their human operators only as the website is not working at all to activate my card. During last XXXX years - I have got my Discover card part of fraud almost XXXX times ... i do n't think Discover is doing enough to secure and safeguard Customer 's account very well. Moreover their overall handling of this issue ( re-issuing new card ) is very very shaky.
I was told by Citibank that I could apply for the AA mileup card and pay for a trip I had on hold so I could get double miles. I was approved on XX/XX/19 and have a confirming email stating my credit amount approved that was effective as of XX/XX/XXXX, but it only shows the last 4 digits of my card. Tried for 3 days to pay for it with this approval and was told by Citibank all I needed was the last 4 digits of the card number plus my frequent flier account number to pay for the reservation. AA would not accept that and wanted my full card number that Citibank would not provide. I was later told if I would have signed up for the annual fee product that I would be given a temporary number to use to book the flight, but that this product doesn't allow it although no one told me this before signing up and none of the literature says so in the mail offer I received. I also was told on XX/XX/XXXX by a Citibank Rep that I should be able to book the flight with the last 4 digits in my approval email and my FF number which is a lie. I was able to convince AA to extend hold til XX/XX/XXXX, but price went up so had to buy on XX/XX/XXXX or would have to pay more for the ticket. 

So they bait you with the card and don't make it possible to use til 7-10 days after they say you are approved. Deceptive and illegal practices. And they would not cancel the card either when I requested since they claimed their system didn't allow them to do so! 

All I can do now is refuse card when it comes since I couldn't use when needed and now have a credit check hit.