WillisBack/dataset-financial-user-claim huggingface dataset:
My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.
I have contacted XXXX and they said they do not have any record of this discrepancy on my account.
I called all 3 credit bureaus AND the creditor when i founded out about these fraudulent accounts ( XXXX XXXX ) I was advised to get a police report to remove the fraudulent accounts, so I did file with the police and obtain a police report and then disputed the fraudulent information on my report. The accounts remained on my file with the credit bureaus and they told me that 's the way it is, but NO, I should n't have to suffer any longer. I did all the right things, contacted all the bureaus and the creditor, filed a report with the police and yet nothing is being resolved.
I am having a problem with Santander Consumer. They are reporting late payments on a vehicle loan for which I have paid off. The account is closed. However these negative payments are adversely affecting my credit score and causing me to be turned down for credit. I have no such knowledge of all these late payments. I wrote to Santander on XXXX XXXX, 2016 disputing these late payments and asking for validation of such late payments. I have attached the letter. It was sent Certified mail and signed for by Santander Consumer on XXXX XXXX. 60 days later and I never received a response. Santander failed to provide validation and they violated the Fair Credit Reporting Act by not providing the Credit Bureaus a notice of dispute within the required time frame as evidenced by my credit report dated XXXX XXXX, 2016 where the account was not marked disputed which I have also attached. According to FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
As Santander Consumer is violating federal law ( and they still have not marked it disputed more than 90 days later ) and causing damage to my financial well being, they should remove the account and /or late payments from the credit reporting agencies.
I tried to dispute information that is being reported by Kohl 's credit card as being inaccurate by calling Kohl 's credit department multiple times. Kohl 's marked my credit report as being XXXX months late. Even though I told them it was n't my fault and I believe the fault lies more with them ... the reason being because I am signed up for paperless statements and emails all went to my vast junk mail without me ever knowing, because Kohl 's sent me an excessive amount of spam email in a short amount of time, my email service considered Kohl 's junk mail by default. Kohl 's blamed me and said they would not dispute the marks against me, even though I was acting in good faith and trying to work with them. Kohls ' options for paying my bill make me very nervous because I had to give my routing and account number over the phone which I was hesitant to do for a long time. Also my Kohl 's account number is hidden on the statement and they refused to give it to me over the phone, so I could not pay the bill in a manner I felt to be safer such as online bill payment ( where my bank has an account designed specifically for paying bills in a protected manner ). I can not believe Kohl 's policies on this. They need to be more respectful of the amount of excessive emails they send and they need to supply their customer 's their account number so the customer can pay in a comfortable safer manner. They also need to take a customer 's dispute more seriously, because the laws now are very strict in when it comes to a consumer making a genuine dispute and I felt I was treated unfairly, abused and being denied information. What is worse is my life is being negatively impacted this because I tried to get pre-approve for a mortgage and got denied and the banker mentioned Kohl 's! This credit card balance was approx. a small amount of {$150.00} and is now paid including late fees. I 'm getting denied from being able to buy my first home and starting my life as an adult because of Kohl 's abuse of financial power after lack of concern for their customer 's credit report for an error that occurred because of their excessive email spamming. ( screenshot proof of excessive email attached ).
I reviewed my credit report in XXXXXX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to XXXX XXXX  XXXXXXXX XXXX. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They are claiming that I owe on medical debt and during the time they report that I owe on this debt I had XXXX that covered my medical visits and costs. This letter was sent XX/XX/XXXX and I have not received a response to date.
Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XXXX XXXX XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus
My firm submitted authorization for this clients file on XX/XX/XXXX. We followed up with a phone call to Citi on XX/XX/XXXX and requested the file be opened for a short sale review. After multiple transfers the representative agreed to complete the phone interview and create the request for short sale. I was advised that we must go through the modification review process prior to the short sale process and to do so, we need to set up a phone consult with our assigned representative. In this case, XXXX XXXX. Although my call was on XX/XX/XXXX the soonest they could schedule a call back was XX/XX/XXXX. I waited for the call and 75 minutes after our scheduled appointment, and no phone call was received, I contacted Citi. They indicated that XXXX XXXX was away and that I should schedule another call back for next week. I requested to speak with a manager who suggested that he e-mail the short sale team and ask for the file to be reassigned. That would take 2 business days, so on Friday I could call and find out who my new rep is and schedule a call back. I explained that would be no faster and that taking a week to schedule a call back is unacceptable. He assured me he has no way to remedy this issue faster. I asked to speak with someone else and he disconnected the call. I called back to Citi and again was told that the " best thing to do '' is to schedule a call back. I did schedule a call back ( this time for XX/XX/XXXX ) but assured the representative that I would be filing a complaint with the CFPB.
I paid for a gym membership in XX/XX/2016 with Citibank CC. 
Payment was received by merchant and access granted to me. 
During XX/XX/XXXX access to facility was denied for no known reason. 
I filed a dispute and money was returned to me. I also contacted the merchant who said access was denied in error. We agreed to make a new contract in XXXX 2016. 
During XXXX 2016 Citicards REVERSED the item and recharged me. I have emailed and called numerous times to get it removed permanently but to no resolution!
On XXXX XXXX, XXXX, I applied for a loan online with Big Picture Loans for {$1900.00}. I was approved for the loan and the funds were deposited into my bank account. On XXXX XXXX, XXXX, paid off the loan in full with interest in the amount of {$2000.00} using my debit card for the same bank account. 

On XXXX XXXX, XXXX at XXXX XXXX, I received two emails from Big Picture Loans. The first email stated that my application for a loan in the amount of {$1500.00} had been approved. The second email stated that the funds were on their way to my bank account and the first payment was due on XXXX XXXX, XXXX. I did not apply for another loan with this company. So, I called them immediately to advice them to delete this information and not send me any funds because I did not apply for this loan. I checked online a few hours later and observed that the loan was cancelled. 

On XXXX XXXX, XXXX at XXXX PM, I received another email from Big Picture Loans stating that I was approved for a loan for {$1500.00}. I received a fourth email from this company stating that the funds were on the way and the first payment was due on XXXX XXXX, XXXX. I phoned Big Picture Loans back a second time and informed them that I did not apply for a loan with them since paying off my initial loan. I stated that I was extremely concerned because an application continues to process which I did not make. I requested that the representative delete any account associated with my initial loan and remove all of my personal information to prevent them from continue to apply for another loan on my behalf and send me funds. The representative stated that he could not delete my information. He stated that he would cancel the loan application. 

I phoned my bank to try to place a block on my bank account preventing Big Picture Loans from sending any funds to may account. My bank advised me that this is not possible. I would have to cancel the bank account which would be difficult for me since I have this account set up to pay my monthly bills. It would be a great inconvenience to close my bank account ; however, I will close the account if Big Picture Loans continues to try to send funds for a loan that I did not apply for or want. 

The interest rates with Big Picture Loans are extremely high. It appears that they are attempting to send me another loan in order to earn the high interest which accumulates very quickly. 

I believe that Big Picture Loan has acted fraudulently by continuing to open loan accounts in my name multiple times for which I did not apply. I believe they have intentionally continued to open loans in my name under the false premise that I applied for these loans in order to profit from the high interest rate which will be applied if I receive the funds. 

I would like this complaint published to prevent others from being subjected to this scam. I would also like Big Picture Loans and its affiliates to delete my account  and all of my personal and financial information to prevent them from continuing to open another loan application in my name.
TransUnion has 7 inquires on my report that I DID NOT authorize, >>XXXX  XX/XX/2018<< >>XXXX XXXX XX/XX/2018<< >>XXXX Via XXXX XX/XX/2018<< >>XXXX XXXX XX/XX/2018<< >>XXXX XXXX XXXX XXXX XX/XX/2018<< >>XXXX XXXX XXXX XX/XX/2018<< >>XXXX XXXX XXXX XX/XX/2018<< I DID NOT apply for credit with these companies/businesses and therefore they NEED TO BE DELETED!
A total of XXXX fraudulent charges again my Compass Bank credit card on XX/XX/XXXX & XX/XX/2015. 
I and the additional card holders all have the credit cards under our possession, but there are XXXX fraudulent charges in XXXX, Texas.
I have already filed a complaint with other bureaus but EQUIFAX continues to report this false debt to my name. I have attached documentation to show that I paid this balance that was owed to the original place of business - XXXX XXXX XXXX. I do not owe this collection agency anything, nor did I ever! 

THIS IS UNTRUE. I have called XXXX and Equifax several occasions and nothing is being done.
I paid this card account through XXXX and have sent the payoff letter to XXXX XXXX  but they keep harassing me saying the debt was not the other companies to collect.
My home that I have owned for 18 years is scheduled to be sold at foreclosure on XXXX XXXX. Even though I have an FHA loan and sufficient fixed income, my mortgage servicer Nationstar is refusing to give me any options or agree to work with me to resolve this matter. They bombard me with collection calls telling me I have to pay them, and believe me I have tried to resume making payments to them. But when I go into their system it will not allow me to make a payment unless I reinstate the full past due balance ( a little over {$5000.00} ). I am not able to do that at this time. I find it hard to believe that there are no programs or options available for me. I have a reliable fixed income ( XXXX ) and this is a government insured loan. I believe that Nationstar is denying access to programs that should be made available to them because they prefer to auction this home instead of working with me. This is heartbreaking and wrong and I need someone to hold them accountable. 

I ran into financial difficulty a few years ago and went through the modification process with Nationstar and was approved for help through the government program. This plan actually RAISED my monthly payment, but I still faithfully made the payment each month. Things took a turn for the worse in XXXX XXXX when I XXXX. A couple of months later I was fired from my job because I had difficulty performing the duties. I hung on as long as I could and applied for XXXX benefits, but it took a long time to get approved for this. By XXXX of XXXX I was out of money and began defaulting on the mortgage payment. I immediately contacted Nationstar to try and work this situation out and began going through the process of applying for help. I was told that they were willing to help, and since I had gone through such a XXXX event ( XXXX and job loss and decrease in income ) that Nationstar would DEFINITELY work with me. Unfortunately that was not true. I went through the process and was told that since I had received help in XXXX that I could not receive help again. I tried to question this information after talking to HUD and tried to start the process again but was blocked by Nationstar. 

I do not believe that is the FHA rule for modification or restructuring assistance and do n't believe that Nationstar should be blocking me from reapplying to get a review based on my current income. 
I want to fix this problem, I want to save my house, which provides shelter for me and my husband and our daughter. I do n't understand why Nationstar is providing no options. I receive a steady XXXX check monthly and will be receiving it for the rest of my life so if they would work with me this problem will be put to bed and they will receive all of their money. Instead, I feel that Nationstar is violating the federal and state guidelines pertaining to FHA loans and moving to auction off my home. I do not want to stand idly by and let this happen.
The TN Human Services department has all child support payments going to the XXXX debit card issued by Coamerica Bank and Elite. The card is also referred to as an XXXX. Each time you dial the customer service number on the back of the card, no one picks up ( Tried 5 times now and longest wait time so far is 1 hour, 15 minutes ) and a fee of {$.00} cents is deducted from the child support balance. Summed up, no one answers the phone, online access does n't actually allow you into the account and the app does not work. It keeps you in a perpetual loop of asking validation questions, without actually validating your personal info to gain access into your account. This is a rip-off. Once you dial in with your personal card info or social, it automatically deducts money from your account without providing an actual service. I 'd like to simply have my money direct deposited into my checking account versus this rip-off debit card w/ NO customer service at all.
SLS - XXXX XXXX XXXX. - XXXX XXXX - XXXX XXXX, CO XXXX - This has been my mortgage processor for years. On XXXX XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX MI ) stating our loan had been purchased and my XXXX XXXX payment was due to them. I had never heard of them! I complied. Yet SLS took did the automatic ACH payment too. -- Then, on XXXX XXXX I received ( 1 ) a letter from SLS stating they would deduct my mortgage payment on XXXX too ; AND ( 2 ) a letter giving me a notice of balloon payment due to SLS. SLS has no answers for me and will not confirm in writing that the loan has been transferred and that they will not deduct the XXXX payment and that the balloon payment is actually due to the new processor.
On XX/XX/XXXX I placed an order for a new XXXX XXXX  XXXX phone under a trade in promotion where I was promised to get a {$200.00} credit for trading in my old phone making the cost of the phone {$650.00} ( {$850.00} minus {$200.00} credit ). Concurrently with this purchase I applied for a XXXX TD Bank card which would allow me to pay the phone in interest free installments. 

On XX/XX/2018 I received an e-mail from XXXX saying I was being charged an additional {$170.00} because the phone I traded in was not unlocked. That is a complete and utter lie as I traded both my wife and my phone together and did the same factory reset on both ( and then checked before sending them in ). This issue only happened with one phone. 

Upon contacting XXXX on XX/XX/XXXX I was told they would investigate and get back to me within two weeks. After not hearing back and contacting them again XX/XX/XXXX I was told the case was still being looked into. Frustrated with no progress and what seemed to be empty promises of actually looking into ANYTHING I contacted TD Bank to dispute the charge. 

On XX/XX/XXXX TD Bank sent me a letter saying they looked into my dispute and basically quoted XXXX 's original lie verbatim and for me to contact XXXX again which I did again today XX/XX/XXXX but  basically got nowhere with them. 

So in summary XXXX claims my phone was not unlocked but can't provide any evidence to back up that claim. They refuse to return my old phone so I can check this issue myself and TD Bank is just repeating what XXXX is saying. I'm not sure on how many more customers they are playing this game where they basically claim to give you a credit and then just steal your phone.
I have a payment plan with XXXX and they still continue to call myself as well as my family members about this debt almost daily. We had to get new phone numbers because they continued to harass us. They have never validated this debt either to me and I only decided to pay this account in hopes they would leave me alone. I have contacted them multiple times regarding this and they deny that this is happening. When we answer the calls they refuse to tell us who they work for unless we verify who we are.
Home Loan was refinanced on XXXX/XXXX/15 with XXXX XXXX, XXXX. 
Loan processing was transferred to Wells Fargo with an effective date of XXXX/XXXX/15 Received a letter from WF dated XXXX/XXXX/15 that our hazard insurance policy had expired on XXXX/XXXX/15 and it was their intention to buy their own policy for the property. 
The hazard insurance had been paid from our previous escrow account with WF on XXXX/XXXX/15 and was/is valid until XXXX XXXX. WF then proceeded to pay our insurance provider the same amount from our new escrow account creating a negative balance and then to adjust our monthly escrow payment On a loan they do n't start to service until XXXX/XXXX/15 ) to make up the deficiency. Attempts to have WF correct this problem have resulted in a response that it is the insurance company 's problem and if/when they receive a refund from XXXX they will update my account.
In XXXX 2016 my son XXXX XXXX entered into a lease agreement with XXXX at XXXX in XXXX, CO with myself as the guarantor on said lease. After paying the initial unrefundable deposit as well as first month 's rent, due to unforseeable events, XXXX was not able to move into the apartment. He notified the office within 72 hours that his circumstances had changed and he would not be occupying the apartment ; he would be moving back to XXXX XXXX, SD for employment. The office would not release him from the lease agreement, so as his guarantor, I paid each month 's rent for the vacant apartment ( XXXX 2016- XXXX 2016 ), and after paying XXXX 2016 rent, I became aware of their 60 day notice of intent to vacate and contacted an apartment manager, XXXX XXXX XXXX, who emailed us required documents to do so. On XXXX XXXX, we emailed the XXXX XXXX XXXX 60 day Notice Of Intent To Vacate as well as a cashiers check for {$3000.00}, which XXXX expained to us was the fee to terminate the lease. A family member living in XXXX made contact with XXXX on XXXX XXXX 2016 and XXXX noted the apartment keys were in her possession at that time. As evidenced by our son 's account balance on XXXX XXXX 2016, my son had a CREDIT balance of {$3000.00}. We noted the cashier 's check was accepted by them. As of today 's date, XXXX 's account shows he has a credit balance {$1500.00}. We, ( my son, myself, and our legal assistance attorney, XXXX XXXX XXXX ), have tried to contact The Courtyards at XXXX for a status on this account. XXXX XXXX has sent letters on our behalf. On XXXX XXXX, 2016, we were able to speak to an apartment manager, XXXX, who told us she showed XXXX account as " cleared, complete, and he is a past tenant. '' We asked for final documentation on this lease and she stated we had to get that from IT DATA INTERNATIONAL (? ) We contacted them and were told by 'XXXX XXXX that he had no file for XXXX XXXX XXXX He told us to call back on Tuesday as they got new claims at that time. We asked what kind of claim (? ) and were told very sternly once again that he 'had no XXXX XXXX XXXX ' On XXXX XXXX 2016 we spoke with XXXX XXXX at IT DATA INTERNATIONAL who informed us he had a collection account for XXXX XXXX XXXX the amount of {$1600.00}. We asked what this could possibly be for. He stated XXXX sent our son 's account to collection on XXXX XXXX 2016 for unpaid rent- the exact amount the XXXX DEDUCTED from our son 's credit balance XXXX 2016! At this time our son 's account is in a collection status with the XXXX and 'XXXX ' now notes that he is a " skipped tenant with multiple fees to include painting, carpet cleaning, housekeeping and electricity. '' We told her he has had a credit balance in his account since XXXX of 2016 and she hung up on us. Each subsequent attempt to contact XXXX or their corporate office have gone unanswered. Additionally, XXXX XXXX was not able to ascertain any information today and advised us to contact you.
Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months.
I was disputing a charge with a card for XXXX and I had a disputed amount on the account. When I paid for most of my balance it did not let me specifiy which account to pay it to. I began accruing interest for a charge I believe was in dispute. I called and asked the bank to remove the interest charge so I can pay it in full. They refused and blatantly showed disregard for my concerns.