WillisBack/dataset-financial-user-claim huggingface dataset:
SoFi heavily solicited me with a " pre-approved '' offer of a loan for {$50000.00}. I finally accepted their pre-approval and submitted the requested documentation to prove identity and income. Shortly after discovering I was XXXX XXXX through means of my driver 's license the company denied my loan citing an inability to verify my income. I have worked for the same company for well over a year, the company did not ask me to provide additional documents or even give me a chance to " verify '' my income. When I called to have a more detailed description of the reason for denial the representative thought the denial reason was " odd '' and said so directly. I personally know of other well qualified high earning XXXX XXXX that received pre-approvals and were then " denied '' mysteriously from this company after their identity was verified. It is my strong belief that this company discriminates against XXXX XXXX. When I asked for how they determined my income could not be " verified '' they refused to release the name of any agency or consumer reporting agency that they based their decision off of. They wrongly justified their position of not releasing the agency used to make their decision as proprietary information, despite the fair credit reporting act specifying otherwise. There unethical lending practices lured me into applying for a loan product with them, leading to a hard inquiry on my credit which has prevented me from securing the loan I need with a more reputable lender.
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX I want the above account removed from my TransUnion Credit Report . I do not owe any money. This account DOES NOT belong to be me and I want this account removed ASAP.
gm financial is sending wrong Information to the credit bureaus they promised the fix it. Now o was denied a loan bcof. This false info. Pay my bills and on time
I reached out to Equifax on
XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called Equifax back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.
When I filed an application for a loan I clearly expressed that I get paid biweekly, and when I called to explain the situation to the CSR, she stated that its nothing she can do about it, and the payments that are being taken out of my account has gone towards interest payments in the amount of {$590.00} for a {$400.00} loan.

I assumed that the interest payment was a one-time payment towards the total loan not applied to every single payment I will be making towards the loan, it was not very clear in the contract of the actual rate of terms was not clearly stated. Since then I have requested to cancel my continuous authorized payments ( CAP ) 2009, until they change my payments term to meet my biweekly pay terms without being penalized with additional interest charges. 

I could have paid the loan off if they did not take my payments as an interest payment and do n't apply anything towards my principle loan until after they received the {$590.00} first. This is clearly a ripoff towards consumers, and should not be allowed to get away with this.
We refinanced our mortgage with The Money Source to an FHA Streamline loan. Our escrow funds balance were misappropriated. They applied the escrow balance towards the principal on the new loan and then sent us notice of a XXXX $ escrow shortage. We have been attempting to get this issue resolved for 3 months. Now they have increased our payment.
I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with.
I attended XXXX Illinois University in XXXX, IL from XXXX. It was difficult for me to find a full time position after graduating and my loans went into forbearance. In those XXXX years of looking for a job I gained {$30000.00} in interest on my XXXX loans. Sallie Mae/Navient is currently charging me an entire paycheck as a monthly payment and have screwed up time and time again on taking out my monthly payments after signing up for automatic debt. I am currently attending school again, and have notified XXXX XXXX to expire my deferment because I want to continue to make payments. They have not done so and have screwed up my payments while accumulating more interest on my loans. I have called XXXX times to complain/understand what is happening and they continue to give me the same excuse, that my payment for the month is past the deadline in which they can take it out, so wait till next month. I would n't have to wait if they would have done their job in the XXXX place. I even have documentation that shows that they expired my deferment. All I get is a " I understand '' " We are sorry you feel that way ''. Something needs to change, I am sure I am not the only XXXX they are doing this to. It is sad that I am regretting getting my XXXX, if I never did I would n't have to deal with such a XXXX company.
I have attempted to dispute an invalid judgment that is not mine and Equifax has locked me out from doing so. I 've attempted to dispute this invalid judgment from XXXX as not mine in XX/XX/XXXX ( attached ) and XX/XX/XXXX ( attached ) and Equifax says " This item is currently under investigation. You should receive the results of our investigation soon. '' Because of this, I can not open a valid dispute. 

The investigation has been open since before XX/XX/XXXX as shown in the Equifax report date XX/XX/2016 # XXXX " ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process ; '' The FCRA does not allow for an investigation to last longer than 30 days.
XXXX XXXX gave me extremely high rates on my XXXX loans from XXXX. When I graduated in XXXX, I asked them if it was possible to lower my rates. I was told I could only put them into forebearance, and was never alerted to any income-driven repayment plans. 

This was done via multiple phone calls in XXXX. I want to document this, as there is an outstanding lawsuit against XXXX XXXX Navient XXXX and I was a victim of their unfair practices, resulting in thousands of dollars of additional interest and fees.
I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I didnt meet the qualifications for help. First denial because I did n't make enough money then got a higher paying job and reapplied and now Second denial because I can afford my mortgage. However, they refuse to help with a repayment plan or modify my loan to add the missed payments to the back end of my loan. They say I 'm 15 months behind but that 's not so because my last payment was XXXX. Under a unemployment program. Since then I have appealed and filed a complaint with Wells Fargo XXXX XXXX in the consumer finance complaint recovery group and I have yet to hear from anyone in weeks. Yet they continue to move my foreclosure date or suspend it while under review month after month. My fear is that they are letting it go so that I 'm too far behind for help. I have offered to pay XXXX in back payments which is half and the rest in payments over the extent of my loan or add to the back end. They said this changes everything and will submit for a new review but yet have n't heard anything from anyone. I last spoke with my loan XXXX XXXX on XXXX/XXXX/XXXX and XXXX with the XXXX XXXX XXXX XXXX  complaint office XXXX My Home Preservation XXXX is XXXX XXXX Wells Fargo XXXX XXXX | XXXX Home Campus XXXX XXXX XXXX Floor XXXX XXXX XXXX XXXX, IA XXXX XXXX # : XXXX XXXX XXXX ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX is my contact in the XXXX Consumer Complaint Recovery Offices XXXX Ext. XXXX XXXX Wells Fargo XXXX
I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The Hyundai Motor Finance company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was  hit over XXXX points. I tried to call HMF, but they would only say they have no information and I need to connect with their collection department.
My wife ran up about {$5000.00} credit on her discover card and they are trying to charge her 25 % interest. We can never pay this off. We have same problem with a XXXX credit card and they are offering no compromise or plan to help us get them paid off.
My husband purchased a car and never received a call from this company for about a year and when he did he was one day late with the payment they immediately threaten to take action and called constantly every hour on the hour when asked to not call on certain days or hours that he was at work. We have filed an insurance claim on our car due to {$800.00} in damage and the day that we left the dealership we had issues with the car they did n't want it back because it was their car. Now we 've had problems ever since. Credit Acceptance has been harassing us since we filed a claim for damage and we have to pay out of pocket for the damage to the car as well as the car payment so now they are threatening to repo it when I purchased the car it was {$7000.00} and I put nearly {$3000.00} down on the car this was XX/XX/XXXX it is now XX/XX/XXXX and I still owe over {$5300.00}. Our payments are at {$250.00} a month and my car is only worth about {$2500.00}. I do believe we were scammed out of money at one point because I remember paying a payment one time at the beginning of the month and about halfway into the month they called me saying I did n't make a payment and I paid the payment twice and they said they did not have it on record what can be done? This company has prevented me trading it in and refinancing a loan. In fact there are multiple recalls on this vehicle which is why I do not understand why the price was so high when I purchased it. The defects were still present when we purchased the car keep in mind it is XXXX Chevrolet HHR and we purchased it in XX/XX/XXXX those defects were already supposed to be fixed when we purchased the car. I really do not want this car and unfortunately neither the dealer nor credit acceptance would give me back my money for this car when I first purchased it and wanted to take it back the next week. I just want my money back and for the harassment and threats to stop.
After the investigation the same results continued with a negative report from debt buyer, XXXX XXXX, formerly XXXX XXXX XXXX, concerning cut-off procedures that the wrong credit account, XXXX XXXX XXXX XXXX also a debt buyer, formerly XXXX XXXX XXXX, engaged in in XXXX XXXX, 2015, after receiving payment that belonged to XXXX XXXX ( also XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did n't send the ACH money back to the consumer since I owed nothing on that credit account, but they transferred it belatedly to the debt buyer, XXXX XXXX, which made my account delinquent and accrued late fees and default interest fines. I received credit a few times, but the error continued. My phone calls to a sales force, and my Emails to the XXXX XXXX XXXX, and my written correspondence to XXXX XXXX XXXX went unanswered. When I could not figure out what I owed I stopped paying my credit account held by XXXX XXXX, that has no documents or a signed agreement from me. I am on XXXX, and it is against the federal and state laws for them to try to collect on the account as a debt buyer. Equifax is aiding and assisting the debt buyers, XXXX XXXX and XXXX XXXX XXXX XXXX, hence XXXX XXXX XXXX in the scam and racketeering because of the proximity to their administrative and internal controls that lead to the toxic bullying and emotional distress, and continued collection activities.
Vehicle leased from XXXX XXXX through XXXX XXXX. All payments paid on time via auto-drafted electronic transfer. Reported closed Pays As Agrees. 

In XX/XX/2018, my credit monitoring service notified me that the status of the 'paid-off on time ' auto lease was changed to Collections Charge-Off in the amount of {$240.00}. Ally Bank listed themselves as the " Court ''. 

Speaking with Ally, I learned that the dealership wanted additional money, but Ally instead of me. Ally took it upon themselves to change my account status. I had many phone discussions with a rep over several months trying to resolve this error. Finally, they removed the account from Collections and said if I pay the {$240.00}, they will update the status to it's original state. I sent them a check, but they lied and has not been corrected.
I have multi complaints with Bank of America starting from XX/XX/XXXX. During this complaint process I have had too many " single points of contact '' to keep track of. I also have asked multi contacts to correct my Credit Report, where BofA says I did n't pay my mortgage. 
I received a letter from them in XX/XX/XXXX saying they would get my Credit Report corrected and they still have not done so. I also asked my most recent Contact person to look into before closing the last complaint w/ CFPB, which I was told that BofA believes they are correct and that I did n't pay or did n't pay on time. My Bank, XXXX XXXX XXXX XXXX, did some research for me and we are easily able to prove, again, that I did infact pay on time and in full. Please see attached.
XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. 

This is the second problem we have had with our account in the 1st month since they bought the mortgage.
Great Lakes Student Loans has been servicing my federal loans for several years now. I have been making large, timely monthly payments for the past two years. At the beginning of XXXX, with enough money saved up, I decided to pay off my smallest federal student loan. I called Great Lakes customer service and woman explained to me that I would have to make an online payment, but that she would make a " note '' in my file for how the payment should be allocated to the smallest loan to pay off the balance. She told me this would take XXXX5 business days. I checked one week later and my payment had been allocated equally among my XXXX federal loans. I called the Great Lakes customer service department again where a woman explained that sometimes it can take up to 10 business days for this to be allocated correctly, but that it would be allocated to the correct account going back to XXXX XXXX. 

I checked this morning and saw that while Great Lakes had allocated my payment to the correct loan, they had taken out my monthly payment from the large loan payment made on XXXX XXXX, despite the fact that my monthly payment was not due until the middle of the month. I called the Great Lakes customer service department AGAIN, when a customer service rep tells me that we ALWAYS have to make the monthly payment PRIOR to making ANOTHER payment to pay off a loan. Not only had this not been communicated to me EITHER time I called, Great Lakes informed me that this " monthly payment requirement '' is counted by the MONTH and NOT the billing cycle. So, even though I had made a $ 500 monthly payment in the middle of XXXX, since I wanted to pay off my loan on XXXX XXXX, I would have had to make ANOTHER {$500.00} payment in XXXX in addition to the {$4000.00} payment I had planned to make to pay off my loan. This is high way robbery of students who are working hard to pay of their loans ON TIME and AHEAD OF SCHEDULE. It is n't enough to not " communicate '' these necessary pieces of information. In order to FULLY pay off the loan, I was forced to pay ANOTHER {$360.00} TODAY. 

I expected so much more of a company that is servicing federal student loans. This is absolute XXXX that I have to call a company FOUR times to properly apply MY payment to the appropriate loan. Meanwhile, making hundreds of dollars of interest in the " confusion. '' Great Lakes MUST change this. Students should be allowed to pay off the balance of ANY loan at ANY time and not jump through rings of fire to do so. They need to change their website so that students can select which loan they want to pay-off and give them the capabilities to do so. Great Lakes needs to apparently TRAIN its customer service representatives so that they know " key '' pieces of information like the calendar month payment requirement. 

It truly is unbelievable how difficult this process was and all I was trying to do was pay-off the balance of XXXX of my loans. Great Lakes should be be ashamed.
XX/XX/XXXX account switched to my daughter 's name at the XXXX XXXX store in XXXX, Iowa. Three lines disconnected per my choice. Four lines transferred to my daughter 's new account. Spent 2.5 hours in the store to close old account, verify no late or change over or reconnect fees with XXXX XXXX Customer Service. 
Verified a credit would be issued to by account for end of service in the beginning of XX/XX/XXXX. Credit issued on XX/XX/XXXX bill but also reconnection fees for 7 lines, 3 of which were never reconnected, 4 of which were placed on another account. 
Account was paid XXXX $ XX/XX/XXXX leaving a balance of XXXX . {$99.00} was paid XX/XX/XXXX. Service was cancelled per customer choice on XX/XX/XXXX. Service period was XX/XX/XXXX - XX/XX/XXXX. 
Normal monthly fee is XXXX $ for 7 lines, XXXX $ for new phone payment and insurance. Credits for health care worker brought monthly bill to XXXX. {$99.00} was paid on XXXX. The company is charging XXXX $ for 7 days of service. Absurd. If you take XXXX $ and divide it by 30 days you XXXX $ per day is XXXX plus the XXXX for the insurance and monthly phone payment you get XXXX . XX/XX/XXXX balance due which was XXXX . {$69.00} + XXXX + XXXX = XXXX - {$99.00} = {$61.00} due to XXXX XXXX. Not {$320.00}. Waited for corrected bill to arrive. Called to correct bill. XXXX XXXX  sent to collections. 6 or 7 phone calls later, each at least 45 minutes long, issue still remains unresolved. Convergent stated XXXX XXXX had to fix bill. XXXX XXXX said Convergent has to fix bill.
I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.
I have a HELOC with Citizens Bank. Citizens Bank has refused to enclose cancelled checks ( advanced of HELOC ) with monthly statements. I don't have records of the checks I used. I was told that I have to call in or write to request a copy of cancelled check. The representatives sometimes are not friendly, hang up phones, abuse their powers. Sometimes, I was on hold for 50 minutes to speak to a rep.

I request Citizens Bank provided copies of all cancelled checks with monthly statements.
Hello, My Name is XXXX XXXX and I am a home owner with a mortgage through HSBC. I have never missed a payment on my mortgage and was late XXXX due to a mistake. I am in dire straits. I am having to XXXX XXXX to pay XXXX, and things are getting tight, I have been trying to get my mortgage refinanced at as low a rate as possible with no PMI since XXXX 2014. I have lost XXXX. Your assistance would be appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is a continuing problem from my last complaint. My home was foreclosed on by XXXX, but it is being actually pursued by SPS, a servicing company that inherited it ( although there are no documents to support this ) from XXXX. I continue to be jerked around in their loss mitigation process. I submitted the final documents in my application for home retention on XX/XX/XXXX. Since that time, I have followed up with their customer service numerous times, most recently being Friday, XXXX XXXX, XXXX. Even though their website status continued to indicate that I still owed them documents, every conversation with their customer service reps indicated that they had all the documents necessary and were moving my package into status to be reviewed. However, there is a foreclosure sale set for this property for XXXX XXXX, XXXX. As of XXXX XXXX, there was no indication that the lawyer representing SPS had been requested to submit a motion to stay the sale. I called again today, XXXX XXXX, XXXX, and went to the Ombudsman 's office instead of regular customer service. I was told that because a XXXX tax return was missing signatures ( my first time hearing this, and they 've had that document since XXXX ), my package had been closed and denied. When I informed her that I recognized this as yet another runaround, she indicated that the package had " expired on XXXX XXXX, XXXX. '' I asked what that meant, since I had submitted all documents before that date, but they continued to erroneously indicate that some were still missing, and she said that the notes do indicate that I called in and SPS located the documents. She then told me that the lawyer had been notified to file the motion to stay the sale on XXXX/XXXX/XXXX, and that as soon as they got notified that the sale had been stopped, they could reopen my file and actually evaluate it for options. In the past, the attorney has waited until the last minute to file stay motions, and even then, they only ask for 30 days, even though it clearly takes more like 90 days to work through the loss mitigation options, any necessary appeals by me, etc. I 'm about to crack under the stress and pressure. It 's affecting my work, my job and my home life. How can these servicing companies get away with treating customers so poorly and illegally? Will you please intervene as you have before, and insist that they request the stay of the sale, and postpone it for at least 90 to 120 days to give us time to work out any loss mitigation options?
My loans were purchased by Navient in XXXX XXXX 2017.  Navient purchased or transferred my loans from the loan servicing company XXXX. With XXXX I believe I was enrolled in the automatic debit program ( ACH ) that included a .25 % reduction in my interest rate for being enrolled in the ACH program. SO the interest rate of my loans serviced at XXXX was actually .25 % less. It seems as though loan companies may not be honoring this actual interest rate borrowers had with their previous loan companies? IS this legal? I am wondering about the legality of this purchase/transfer and the loss of honoring the real interest rate on loans that I may have had with XXXX? I am also concerned that other borrowers are being robbed of this option and I am wondering if you have a response to this? Please let me know if this is legal or if you need any more information from me. Thank You.