WillisBack/dataset-financial-user-claim huggingface dataset:
My loan has been transferred to several different companies. It seems that after I make a payment arrangement with one company, once they have made their $ XXXX- {$4000.00} fee, they sell it off to another company. Now I have paid my balance down because I had been paying on the loan for about a year or so and when it gets sold off, the new company tacks on their fees and my balance gets pushed right back up. I 'm spending my time and money paying fees but the loan does n't come down. I just signed into Navient 's website to get my tax form to see a note that I was 18 payments behind and had been charged a late fee. Well, Navient is taking the money out of my account every month, so how am I missing 18 payments? They have the wrong bank account as well. I went to school for 1 1/2 years and XXXX has really jammed me up. The had me listed for some many loans it was ridiculous when I went to the same school the entire time.
On XXXX XXXX, 2017 I wrote Equifax, XXXX and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
I have received a bill now a collection notice, robo phone calls 7 days a week all day, all night, Holidays from Synchrony that I owe for something that I never ever received a copy of or anything from them except a bill and phone calls. They call my business, hang up when they get my message, it is sad. They are saying that I owe them for an air conditioner, one that is brand new made by XXXX, and installed partially by XXXX XXXX of XXXX XXXX. The air conditioner is broke, it broke 2 times and the second time it just ran air in side. It is not installed properly and it has no air filter. NO AIR FILTER. That a brand new unit breaks two times, I contacted XXXX, They just passed me on to another person another person and so on for 3 and a half months. When the air conditioner they partially installed broke for the XXXX time and was just blowing air HOT AIR. I turned it off. I am still baffled to why Synchrony is calling me and now saying they are turning this over to a collection agency. I never signed anything nor was I given any notice by XXXX that I owe this company anything. AND the air conditioner is off It is Florida and it is HOT and I HAVE NO AIR and XXXX XXXX know it. Who is this robo caller? Never heard from XXXX to install filter, fix the air conditioner, they even left the outside panel off, laying on the cement, and I found it and taped it because it RAINED the next day. So nasty they do n't even call me to fix anything. XXXX is sad, not sure why they think this collection is due that they fabricated ... ..
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have called XXXX, and trans union and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.
I have a vehicle loan with GM Financial for my XXXX KIA Soul. XX/XX/XXXX I had to file a XXXX XXXX bankruptcy in an attempt to save my home from foreclosure. My loan with GM Financial has never been late or was never in default. I had to put the loan in with the XXXX XXXX restructuring plan per the bankruptcy trustee 's orders in spite of it being in good standing. I made every single plan payment in my chapter XXXX case but I had to have my case dismissed in XXXX XXXX and surrender my home due to my mortgage holder constantly contesting my proposed payment plan thus making my home unaffordable. During the time the car loan was under the protection of the bankruptcy trustee GM Financial reported payments as late to the credit bureau which is illegal. The Chapter XXXX case was dismissed without prejudice in XXXX XXXX. Once the case was dismissed I immediately resumed without delay paying my auto loan outside of the bankruptcy plan. I have been out of the Chapter XXXX plan since XX/XX/XXXX and I have made every single car payment on time but GM Financial is not reporting my payments on time to the credit bureau. This is also illegal per a XX/XX/XXXX Bankruptcy ruling out of the Bankruptcy court in Wisconsin. I verified this by pulling my XXXX and XXXX reports. GM Financial has failed to update the credit bureaus to reflect the status that the loan is being paid on time and is no longer part of the chapter XXXX wage earner plan. GM financial is still reporting the loan to the credit bureau as part of the chapter XXXX bankruptcy plan and I am not getting positive marks on my credit bureau reports for making 6 on time payments. During this time period after the bankruptcy case was dismissed GM Financial has continued to collect the interest of 14 % every single month I have sent in my payments but GM Financial has not honored their responsibility as a lender to report my positive payment history to the credit bureaus. Whether or not this was an oversight on the part of GM Financial it is still illegal and has caused damages to me. My financial situation has slowly been improving since receiving a fresh start under the bankruptcy code as well as finding more affordable housing. I would like to refinance out of the high interest rate car loan in order to get my car paid off faster but I am unable to do so because they are not reporting my payment history. I feel they are doing this on purpose to trap me in a high interest rate loan for their own monetary gain and nothing more. I would like my payment history reported to the credit bureau correctly, the interest refunded on my loan from from XX/XX/XXXX until XX/XX/XXXX due to their mistake, or the chance of obtaining a possible loan modification with a reduced interest rate due to outstanding payment history for 20 consecutive months.
This complaint is based on my attempt to obtain a conventional home mortgage loan from OneWest Bank, a division of CIT Bank. The loan officer pre-approved me for the required mortgage amount upon submission of relevant financial documentation. I also electronically signed and acknowledged the CIT Privacy Policy. A copy of the same is included herewith. As stated in the privacy policy, CIT does not share personal information with third party non-affiliates. When the mortgage application was sent over for underwriting, I received an additional credit authorization form. A copy of the same is also included herewith. The new credit authorization form requires the applicant to authorize release of personal information to any third party non-affiliate the bank chooses to do so. I was told I can not restrict sharing this information or decline accepting this condition. Based on talking to my legal counsel, it appears this indirect attempt by CIT Bank to force customers to authorize disclosure of personal information to third party non-affiliates may be illegal. I was urged to report this matter to the CFPB for further investigation. Considering the second authorization was disclosed only after the application goes into underwriting, most applicants may in the interest of time provide their consent. I value my privacy and protection of my personal identifiable information. Had to find an alternate lender who never required me to provide a similar third party disclosure consent. My closing was delayed by over two weeks and the sellers insisted I pay for the holding costs resulting from the delay. Would never have proceeded with the CIT Bank mortgage application if they had disclosed the second credit authorization form along with the original privacy policy.
Trans Union is not responding to my numerous requests to investigate, verify and remove the accounts from my credit report that were opened fraudulently.
Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message. 

Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago. 

I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.
I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.
I have been in contact with Experian on several occasions about an entry that I noticed that was listed on my credit file that was not mine, which was reported by a company by the name of XXXX, Account number XXXX. I have also contacted XXXX XXXX requesting proof baring my signature and a copy of a contractual agreement that I had with them to proof that this account was mine. I contacted both entities through the USPS certified return receipt, and I have proof that a party representing their agency signed for the letter that I sent to them. To this day, both XXXX XXXX and Experian have yet to provide me valid proof as required and mandated by the FDCRA, and are both in violation of the FDCRA. Both Experian and XXXX XXXX are reporting fraudulent information on my credit file attached to my social security number, which will hinder me from getting credit approvals from various financial sources, in the future, if this fraudulent information is left on my credit file. I am demanding that the fraudulent entry of XXXX be removed immediately from my credit file, seeing that both entities have surpassed it 's 30 day allowable timely response deadline as allowed by the FDCRA, and can not supply any valid proof that this account is mine, because I have never had an account with XXXX.
Navient has been servicing both my XXXX and XXXX student loans, but they keep changing payment methods descriptions, such as XXXX or zip code. My payments are setup to take place monthly via my bank account, so the payments go out ( and can be accounted for ) but the payments never land in the account where they should be paid. XXXX account will get over payment and another account will get no payment. Then they harass me about late payments, of which I resolve and explain their error and fix it. Then it just happens again. This has been detrimental to my credit.
This is in reference to XXXX number : XXXX with Wells Fargo not responding to my request or to my realtor. Wells Fargo says they have made several attempts to contact with me with the last letter being date in XX/XX/XXXX. Since XX/XX/XXXX I have attempted many times through email, phone to contact Wells Fargo. Each time my specialist who is supposed to be working with me is changed. If this is only letter the sent in XX/XX/XXXX, it is now XX/XX/XXXX. I have had XXXX different specialist, none of which respond back to my case, except to state they are no longer on my case. Today at XXXX on XXXX/XXXX/2015 once again called and have a new specialist : XXXX XXXX . I am not sure how to spell last name. She assured me she would call me back Friday. She did n't know much about the case except it showed was working on short sale. As for the short sell, they keep telling my realtor and I that I owe XXXX I only owe XXXX on the home. Its like they have a totally different person they are speaking with. There is another XXXX XXXX that lives in same town I do. If you look online, according to online stats, XXXX XXXX 's home has already went to court and been foreclosed on. I have never received a notification like this of any kind. XXXX from Wells Fargo said there was no record of foreclosure. So this makes me wonder if they are combining the other persons case with mine. I am not sure what kind of house the other person has, but my home is only worth about {$50000.00} if that. Its old and needs repair, but Wells Fargo will not even look at the home to access it. So how do they know they have the right place. For all I know this other XXXX XXXX could be in same boat I am and they are doing the same thing to her. I think I will get with this other person and see what situation they are in. I am sure there are many people in same boat. Wells Fargo keeps stating they try to get in touch with us, but we are the ones getting the run around. New specialist every month, that specialist has no clue what is going on. and process starts all over again. They responded by saying I have not paid. True, I have had finical hardship due to medical issues and they house in need a major repair, which every time I have tried to talk to Wells Fargo they can not help in any way. No matter how much you try to explain to them the situation or explain the loan is only for XXXX, they say they need XXXX. I am not sure where they get that. Even my realtor can not understand it. I think I shall just get a Lawyer and file XXXX or get with other home owners who have been through same and file civil suit. Obviously there is no other solution. Wells Fargo is the one who will not work with us, not the other way around.
I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.
Account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX was included in Chapter XXXX bankruptcy filed on XX/XX/2018. Bank responded and filed a claim with the bankruptcy trustee on XX/XX/2018. XXXX XXXX XXXX  has continued to attempt to collect the debt by sending notices to my home and by reporting that we are 30, 60, 90, and 120 days late in payment to the credit reporting agencies. Bank was contacted, situation was explained, Experian was contacted to file a dispute, and still XXXX XXXX XXXX  attempts to collect a debt that is in bankruptcy and that they have filed a claim with the bankruptcy trustee to be part of the bankruptcy payout. XXXX XXXX XXXX is breaking Texas unfair trade practice laws, the federal Fair Debt Collection Practices Act, Texas fair debt collection practices laws, and the Fair Credit Reporting Act. XXXX XXXX XXXX was contacted, given the bankruptcy information ( even though they had filed a claim with the court ) and told to remove the negative information from credit report and to stop sending payment requests to me. They have not corrected my credit report. 

NOTE : I have copies of the statements where they tried to collect I can send at a later date. bank reported 120 days late AFTER I contacted them to STOP.
Hi, I filed this complaint because I don't want carrington mortgage services llc to change the loan contract. On XX/XX/XXXX I received a letter from Carrington mortgage services, L.L.C. ( Disclosure statement annual disclosure notice to mortgagor ) copy attached.On the letter says the amount reflected below is the outstanding on the loan for prepayment, also says that amount is subject to further accounting adjustments, and I don't know what they talking about further accounting adjustment, the loan contract is very clear, copy attached, and carrington can not, should not change what the loan contract says and can NOT breach the contract .XXXX  XXXX XXXX XXXX  , XXXX. signed on the year XX/XX/XXXX, then XXXX transfer the loan to carrington, .The letter also include the annual disclosure for FHA/MIP cancellation  notice to mortgagor.This is not the first time I file a complain against carrington , because or they try to breach the contract and change it to their own rules or try to increase the mortgage payments for not reason.If somebody ask me to recomend this company, I will say NO, this company doesn't even deserve one star. 
Also I'm enrolled in another program at XXXX County, that if I live 5 years in the house and no missing any payments, I got a credit, but this program doesn't have anything with carrington and I don't want them to mees with it. 
What I want CFPB to do? : Look and read the XXXX contract and carrington letter, and look if carrington is trying to change the loan contract or breach the contract.., also if carrington doesn't have copy of the XXXX bank contract, they can see it on the complaint.
XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian.
Recently Equifax reported that its system was hacked affecting millions of Americans. The company, whose investors made millions, is offering only a minuscule compensation that too which costs it nothing - free credit monitoring. I believe that it 's is really a slap on consumers face since we do n't have a choice as to who monitors my personal financial information. They must pay $ $ $ in compensation. They must be fined by the agency as th solution does not fit the crime.
i checked my report and noticed an account from Midland Funding for XXXX still remaining that i paid and was promised it would be deleted.
Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.
On XX/XX/XXXX. of 2017 I received a hard inquiry from FNB OMAHA, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from FHB OMAHA in connection with this request.
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.
In XX/XX/2018 I spoke to a representative at GM financial and was told on their recorded line that I would be able to give the vehicle back and get it back after a month or two and continue the payments since I was going through a difficult time financially. When I called back asking about the letter I received after the car was returned stating the vehicle would be auctioned off I was informed that I was lied to by the previous representative and that unless I had the past due balance plus the repossession fee or the total loan amount I wouldn't be able to get my car back. Now I am stuck with a repossession on my credit. I submitted a complaint to the company about the situation but was never contacted.
Paypal credit is confusing consumers with debits and credits due to the linkage between A- PAY PAL ACCOUNT and B-PAY PAL CREDIT ACCOUNT. I have attached a copy of a {$15.00} payment to my credit account ; however, shows as a debit on the ledger. There response is " wait till you get your statement, it will be more clear, '' the transparency is lacking and laws are being overlooked or broken due to oversight in regulation in payment and credit account technology ( PAYPAL ). 

Blatant violations of the CARD ACT of XXXX in consumer 's access to viable, accurate online ledgers.
Approximately 10 montha ago I purchased a Chrysler 200 C. Recently the car has began to completely shut-dowm/stall. This has occurred twice - on the freeway! Most recently, Last Night. XXXX/XXXX/2015 on the XXXX XXXX in the XXXX XXXX XXXX XXXX during rush hour traffic. Several cars nearly crashed into the back of the vehicle and state emergency had to come and remove the car from the freeway. The car has been taken to a dealership and they claim there is nothing wrong with the car. I spoke to Chrysler capital today and they said they would " file a report and I may or may not hear back from them. '' I am terrified of driving this vehicle - it is clearly not safe. I have easily discovered that XXXX other 200 C owners all across the country are experiencing the identical problem including the nonresponse from Chrysler and its dealers.
XX/XX/2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that XXXX is not able to obtain. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.