WillisBack/dataset-financial-user-claim huggingface dataset:
Commerce Home mortgage wholesale approved a Home loan ( from the underwriter XXXX ) for me. 

The account representative XXXX XXXX intervened and decided that he did not like the loan based on his personal reasons. And he declined it. He is not the underwriter. 

Multiple times the loan was approved. The title company was notified. 

I have lost the deposit of {$5000.00}. 
Reports {$1000.00} Appraisals {$800.00} I have had a home owners policy in force as a condition that was cleared since XX/XX/XXXX. 

There is no longer any communication with XXXX XXXX. The owners at commerce mortgage will not respond to any inquiries. 

XXXX reviews confirm this is more common than not with this organization. 

They put forth I had a loan. I did not seek any other advice due to their commitment. 

I am now outside of closing dates. No one in the UNITED STATES OF AMERICA should be treated like this group does to citizens.
I was turned down for a refi by XXXX XXXX a XXXX XXXX XXXX at XXXX XXXX XXXX in the beginning of XXXX. XXXX told me to keep my credit score up and in XXXX of XXXX I should call her and she would get the refi starting again because that is when I would have 12 months of on time payments. I called XXXX on XX/XX/XXXX and reminded her she said I would be good in XXXX to get the refi with cash out. I send in all the paperwork she requested and had a home inspection on XXXX XXXX. I spent money and time fixing all the items and issue the inspector brought up. I called XXXX onXX/XX/XXXXecause I hadnt heard from her and to find out when the inspector will do the final inspection since I did all the work. She called and left a message while I was at work on XXXX XXXX, I called her back within 15 minutes, but didnt hear from her again until XXXX XXXX when she told me I was denied. 
I always had to call and email multiple times to get a response from XXXX. I was very upset that the refi wasnt going through since XXXX had told me not to pay my XXXX mortgage. She said she told me to hold it, but she didnt ever tell me that nor act like the loan wouldnt get approved. I called her boss, XXXX XXXX on XXXX XXXX and asked him to pull the call to verify that XXXX told me not to make the payment and never mentioned to hold it in case. He said they didnt record their calls, but I told him every time I called, the message said the calls were recorded, and he said we dont record all of them. I asked him to be compensated {$1100.00} so I could make my mortgage payment on time. He said he would put the request in, but the most that has ever been paid was {$100.00}. 
On XXXX XXXX, XXXX boss XXXX called me and apologized and offered my {$100.00} for the problems with my refi and said he would be taking XXXX bonus for her error on this refi. I asked for him to give it to me then since she cost me to be late on my current mortgage. He said I cant do that. 
On XXXX XXXX I received an email from XXXX XXXX saying she would have the check cut for me on Friday XXXX XXXX. She later called and said no one was there to cut the check and I didnt end up getting it until XXXX XXXX. I think that paying me {$100.00} and taking XXXX future bonus shows wrong doing on their part and should be compensated.
On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Amscot withdraw the money from my account and then they stated that they placed the money back in my account now there calling me 20 times per day harassing me for a payment that was already submitted. They have been literally calling me over and over again for several months. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hours : Open 24 hours Phone : ( XXXX ) XXXX
Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report.
I have two Discover Cards # XXXX and # XXXX and am a long time customer. 

The interest rate on purchases on card # XXXX was lower than my card # XXXX. 

Today I noticed that my card # XXXX which has a bigger balance has a purchase APR 13.24 %. My other card # XXXX has a much lower interest rate of 11.74 %. This is a whole 1.5 % higher on card # XXXX. 

I am really not sure when this occurred and why. In the same financial climate, my card which was an older card ( # XXXX ) now has a Purchase APR of 1.5 % more than my newer card # XXXX. 

I am unnecessarily paying more interest charges and being compelled to do a 3 % Balance transfer of the balance from one card to the other card and Discover has found an excellent way without notifying me of inducing Default. 

I raised the issue with Discover but they refuse to budge. They say they can't do anything about it because my Purchase APR rates are variable. I am not sure when these APR increments took place, by how much and how frequently.
MG CREDIT is inaccurately reporting two medical debts that were previously covered & paid by health insurance. The medical bills of {$240.00} and {$92.00} are older than 7 years have been reaged on credit report to XXXX. I do not owe this b/c it was paid by health insurance carrier of my then employer XXXX  XXXX XXXX. I never received validation or verification of these two bills that I previously requested multiple times and have disputed with the credit bureau. I was informed the collection agency doesnt submit written verification of debt to the credit bureaus only verifies consumers name, dob, and ssn. I DO NOT owe b/c these two bills were covered by medical insurance. A collection agency must be licensed in FL and MG Credit doesnt show listed on FL office of financial regulation website.
XXXX continues to report accounts on my credit report every month as late and the following accounts are not active. I have disputed with XXXX to STOP reporting false information on my report and they continue to report false information.
I have a loan with CHASE XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
My loans are now in default, but when I graduated and began repaying I would pay more than the monthly payment and AES would never credit the extra paid to the principal of the loan. They always put the extra on the next month 's payment. The fact that they applied money to the next month and not to my principal is illegal. I called them numerous times ( which I documented ), called the Department of Education to complain, and would even write on my checks, " The extra money should be applied to the PRINCIPAL of the loan. '' I tried to file a complaint with the Ombudsman at AES and never could get a satisfactory response. I eventually quit paying on my loans, because AES raised my monthly payment, and the principal amounts on the loans was never decreasing. I even contacted a lawyer about this situation and turned over copies of all my documents. By the time the lawyer got back to me and told me that I had a case, I had already quit paying my loans payments. The situation is a mess and has ruined my credit. I have no way of repaying any of it at this point, because I live in poverty and barely make enough money to pay my bills.
I have had an ongoing issue  with Macy 's credit. T hey claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed m y Macy 's card onlin e on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I call ed Macy 's se veral times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this  with Macy 's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact  me and got through or that their auto-pay was working correctly.  <P/> Macy 's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for Macy 's errors!  <P/> I want these late marks on my credit removed.
Capital One Platinum Due Date : XX/XX/XXXX Payment attempted XX/XX/XXXX via phone app.approx XXXX EST Informed payment would not post until XX/XX/XXXX because it was XXXX EST Capital One Customer Service called XXXX ( phone record ) but reached no one until XXXX Informed that " late fee '' would be incurred because it was after XXXX EST even though statement states as well as computer generated phone inquiry states due date as " XX/XX/XXXX '' without mention of ANY cutoff time.

Was informed that I could call back today re : late fee and ask about it being waived which I did. Was informed that a credit of {$25.00} would be returned to my card in 3-5 business days.

Capitol One representative could not confirm or deny if regardless of waiver, credit reporting agencies would be alerted.

Very upset by this as all consumers should be. The payment time should not be at the convenience of the company who is using an arbitrary number " within that same day '' as but one more way to collect a fee for revenue purposes. If the statement says a particular date, the consumer needs the assurance that as long as their payment obligation IS made and posted between the hours of XXXX  and XXXX on the designated " due by date, '' no late fee should be leveled.
Ive tried to upload a police report for fraud in my information that manifested over 40   unauthorized hard inquires that are holding me back from securing a home loan. I kept getting an error when trying to dispute on Equifax.com
On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.
I have a Wells Fargo Checking account which i have a credit card from Wells fargo attached to if in case of overdrafts. For Years i have been charged an overdraft fee plus the overdraft and it would be charged to my credit card which has a high interest rate. only to have a deposit come through immediately after that that would have covered my charges. I work in the XXXX XXXX and this whole process would be a conflict of interest if i was involved with this process. recently due to Pressure from Class action law suits i got a letter stating that they would reverse any overdrafts if deposits came in by XXXX the next business day. so i gave them the benefit of the doubt because it seemed like these fee vultures where changing there ways, then 2 days ago my account went negative they pulled mone and the fee from my credit card, a deposit came in they reversed the Overdraft form my Checking account but not form my credit card, i had to call them this morning an threaten them and they reversed the credit card charge and the fee. I am now interested in getting all of my fees and charges that where not crediotied back to me over the years. Im sure that i'm not the only one having this issue..
Two accounts that were previously removed were re-inserted. Initially, the collection agencies did not respond within 31 day period. Therefore, they reported the information again about 3-4 months later.

XXXX XXXX - XXXX XXXX was removed in XX/XX/2017 for {$240.00}.

XXXX - XXXX XXXX XXXX removed in XX/XX/2017 for {$190.00}.
I have been a victim of inquiry issue of XXXX/XXXX XXXX. I had never applied for a credit with this company. Please remove these inquiries in accordance with the Fair Credit Reporting Act. Delete the following using the effective inquiry date ; XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX
On about the XX/XX/XXXX ( morning ) I called XXXX XXXX and asked for a {$3000.00} loan to pay a couple credit cards off. In the afternoon they called back and said my loan was approved. When I get there their associate has a check for {$4000.00} and I told him I had asked for {$3000.00}. He said " do n't worry about it, bring it back if you do n't need the extra XXXX ''. Quite enticing. When we began the loan procedure he marked my loan application with a higher yield for instance : my car was worth {$2000.00} ( XXXX XXXX XXXX ) with a couple dents on it, said I owned 2 flat hd screen TV 's ( I do n't ), put down I had a computer and a lap top ( I do n't ), he never received the pink slip to my car before he gave me the loan, ( he just seemed to be in a hurry to get my loan approved with or without a pink slip ) never once mentioned the interest on the loan and put a lien on my car before the first payment was due so I could n't even get my tags. I 've email their headquarters in Georgia and never once got a reply. I sent letters to the manager in XXXX, California and never got a reply. I received a letter ( it took almost to two months ) from the manager of L.F. in XXXX yesterday asking me to come in because I have n't send them a payment. I just feel this associate took advantage because my credit rating is getting better and it 's taking me a while to accomplish that and now this person is going to XXXX it up as it were. I 've never done this ( good experience ) before probably because I do n't like doing this to people but I also do n't like being taking advantage off. I 'm XXXX years old, I 'm a Veteran, and live alone please consider my complaint it would be highly appreciated. XXXX XXXX.
I have spoken with numerous, I mean numerous customer service reps. at TransUnion , LLC trying to fix things that TransUnion , LLC were reporting incorrectly on my credit report. All of the customer service reps. have either been extremely rude, unwilling to help or transferred me to a co-worker who pretended to be a supervisor who did nothing to assist with the issues! But, when the Consumer Financial Protection Bureau got involved some of the issues were taken care of and some were not. I was recently notified by TransUnion , LLC subsidiary ( XXXX ) that TransUnion , LLC just recently made a name change on my credit report. I spoke with TransUnion , LLC months ago regarding my name and they corrected the names on my credit report. Now they are reporting XXXX, XXXX, XXXX, XXXX and XXXX, XXXX some of these are the same names backwards! The only names that should be reported are XXXX and XXXX those are the names that I legally use! The other two names need to be removed because it appears to creditors on my credit report that I am using multiple names! Also, I 've spoken with TransUnion , LLC several times about a hard inquiry on my credit report from " XXXX '' on XX/XX/2016. After contacting XXXX I was told by a card services manager that this would be taken care of and removed! The card services manager explained that this was fraudulent activity that they caught in time. They said someone tried to apply for an XXXX Credit Card which is owned by XXXX and so they notified me because they thought it was fraudulent activity. I confirmed that I did not apply for this credit card and XXXX said that they sent the necessary paperwork to TransUnion , LLC to have this hard inquiry removed from my credit report! When I spoke to TransUnion , LLC they said that the hard inquiry from XXXX was not reporting on my credit but it is still there! This hard inquiry has caused points to be removed from my credit score and this hard inquiry needs to be removed immediately! Finally, the points that were removed by TransUnion , LLC when they illegally removed my first paid off and closed auto loan XXXX from XXXX recently still has not been added back to my credit score! I 've spoken with TransUnion , LLC regarding the mistake that they made and they have added back the closed auto loan to my credit report but they have not added back the points that were taken away when they removed this closed account by mistake! All XXXX of my points need to be added back to my credit score by TransUnion , LLC! The other issues that were brought to my attention recently is being handled by the creditors with TransUnion , LLC so I 'm not disputing those issues at this time. But all of the above mentioned issues and errors in this complaint are being disputed by me right now and needs to be corrected! Thank you! ( Please see supporting documents attached )
In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.