WillisBack/dataset-financial-user-claim huggingface dataset:
I took a XXXX-year fixed rate mortgage with Wells Fargo about XXXX years ago, and have made many payments in advance ( sometimes, upto XXXX years in advance ) of the due date since I wanted to pay off the loan faster. Wells Fargo has chosen to treat these considerable advance payments as if they were made on the due date, and is refusing to give me credit for the " unearned / unaccrued '' portion of the interest. WellsFargo seems to be charging me equivalent of a " pre-payment '' penalty, which is statutorily forbidden in my State. I found another error in their calculation XXXX how the payoff amount was being calculated ), and Wells Fargo fixed that portion earlier.
I was in the process of Loan Modification with the mortgage company. The application process was near completion. However, there were several questions and information I needed that I was unable to get. The mortgage company assigned a counselor to me ( XXXX ). Although I had made several calls and e-mails to the counselor, I did not receive a response from him after XX/XX/XXXX. There were 2 questions that I did not complete on the loan modification application. In response to my asking the counselor to send the two pages via e-mail for completion, he sent an email ( attached ) requesting information so that we could transact business via e-mail. I returned the requested information via e-mail ( attached ). I called and e-mailed the counselor several times after XX/XX/XXXX as there were questions that I had and I never received the pages that needed completion, but did not get any response from the counselor. When I called the response I received was that he was not in the office yet or that he would be given the messages. Sometime during the later part of XX/XX/XXXX I received a letter from the mortgage company 's legal attorney that my home would be sold at foreclosure on XX/XX/XXXX. I continued to call my assigned counselor at Fay Servicing for information regarding the loan modification pages to complete and information regarding what I could do to stop the foreclosure. I never got a return call from the counselor.  A friend recommended that I go to the Neighborhood Housing Association which I did on XX/XX/XXXX and XXXX, XX/XX/XXXX The representative from the Neighborhood Housing Association called and spoke with several administrators regarding my not having sufficient understanding of my rights regarding the foreclosure and my failure to receive a response from the mortgage company 's assigned counselor regarding the modification loan application and the scheduled foreclosure sale of my home. It was at this time that I was told that the counselor assigned to me had been out sick. The mortgage administrators stated that anyone could have helped me with my questions/concerns. However, the representatives I spoke with by phone between XX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX looked at the information on the computer screen, but said that I should speak to my counselor because he would be privy to information that may not have been on the screen. In fact, one of the associates with whom I talked requested that I send the information giving permission for the mortgage company to conduct business via e-mail. This information had been sent to my assigned counselor as early as XX/XX/XXXX. This documented the fact that the counselors who assisted me did not have all of the information needed to inform me or assist with my rights regarding the pending foreclosure sale of my home. Not once was I told that the assigned counselor was out sick. At that point, I had further concerns that he had not gotten my e-mails or phone calls requesting information and help. The mortgage administrators informed the housing representative that there was nothing they could do. The foreclosure sale of my home was done on XX/XX/XXXX.
Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.
I have been paying back my XXXX student loans to Discover/XXXX  for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.
I checked my credit report and discovered that this company has reported that I owe them a debt. I never received notification of this debt prior to them placing it on my credit report. My rights were violated
On XXXX XXXX, I received a letter from MB Financial Bank that was dated XXXX XXXX. This is relevant because it was time-sensitive. I was given 30 days from That date to respond. The letter was regarding Unclaimed Funds / Property that was due me. They asked for verification of my address and last four digits of my SS #. On Monday XXXX XXXX, I called and spoke with Customer Service, as well as a woman IN the XXXX department where the letter originated. I was assured that upon receipt of verification of my information and copy of State ID, that I would indeed be sent the check. I sent all info in the envelope They provided with their address including Dept. name XXXX. I know it was received. I called this morning to inquire. They would not speak to me, but Through Customer service, Denied they had even heard of me. The information I sent also included my phone #, e-mail address, and foolishly, a copy of my SS card .Customer service said they would " call me ''. I was ON the phone! why would they not only deny knowing anything about the letter, but not have the courtesy to speak to me. Tomorrow will be 30 days from the date of MB 's letter. I do n't want them claiming I did not respond in time. And shared this concern with the customer service woman., who assured me she would make sure that would not happen. She seemed as baffled as I am. In my conversation with the woman in XXXX on XXXX XXXX, they even told me where, locally, I could pick up the money. It had been sent, along with other deposits to a local Check Cashing store. Before I sent the information, I brought the letter to the store. They said the check was returned quite some time ago, and the bank should send it to me. In MB 's letter, was also included the ck. #. THEY contacted me, so why now are they denying all of this.?
trans union is allowing XXXX XXXX XXXX XXXX XXXX to report on my credit file I never gave up my rights under Hippa or The privacy act to allow my medical information to be reported to anyone who pays them this account was reported with XXXX balance and was being paid by my insc company
I have been in contact with Ally Financial 's overseas customer service department, then their fraud department, then several supervisors, and never received several return phone calls as promised about the fact that they have erroneously reported that I paid XXXX payments thirty days late to the credit bureaus, when even by their latest missive that is INCORRECT. A single car payment was {$660.00} per month at that time. Many attempts to have this rectified have them ascertaining that they reported it correctly ; when from what they 're saying and what they sent to all of the credit bureaus {$1200.00}, is not reflective of what they, themselves is incorrect. I have been going on with this issue for two months and either they are n't doing the math, or they 're just refusing to correct their errors. Thank you.
I am behind on my mortgage, but I am still making a payment and have managed to stay mostly 1 payment behind. I have been receiving letters and statements that are inconsistent, so not reflect my payments, contradictory and most recently threatening to initiate foreclosure proceedings on X/XX/17 for an amount which is unclear to me. For example, my XX/XX/XXXX statement shows no payments made, but I received several 4 letters dated X/X/17 saying that a payment of {$950.00} was received, 1 letter dated X/X/17 saying a payment of {$980.00} received & a letter also X/X/17 saying that a payment of {$960.00} was received. These payments are not reflected in a suspense account or any statement I received. I received a package dated X/X/17 for assistance saying I am 31 days late, contradicting the payment letters & statements. I then received a letter dated X/XX/17 saying I was in default & needed to pat {$2000.00} by X/XX/17 or foreclosure proceedings will begin. It is unclear to me what amount I owe, why payments have n't posted on my statements & why my past due days are inconsistent. I have also been charged legal & property inspection fees that do not seem justified.
I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX  has a XXXX number and is easily able to be reached while Equifax is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my transunion file such as XXXX XXXX it goes on my Equifax report. I am noticing this through XXXX XXXX because I dont have access to anything at Equifax. This is MY information. I also filed for bankruptcy XX/XX/XXXX, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/XXXX. I talked to a transunion official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX  balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. Equifax should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.
I have asked for debt validation on my credit report from Experian. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Experian never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
I am disputing the following ; Account Name : XXXX XXXX XXXX XXXX Account Number : Account # XXXX Dispute Reason : Balance Amount is Inaccurate Dispute Reason : Past Due Balance Amount is Inaccurate Correction Is : Balance and Past Due Amount = {$0.00} Dispute Reason : This account was sold to 2 different collection agencies. The above account was sold to two different collection agencies ; therefore, there is no balance amount owed to XXXX XXXX XXXX XXXX ( See Attachment ) XXXX XXXX XXXX  XXXX sold the account ; therefore, there is no Past Due balance or Current Balance owed to XXXX XXXX XXXX. The FCRA states that 100 % accurate information must be reported on my credit file ; therefore, due to the inaccurate information this account must be removed from my credit file immediately. The 3 credit bureaus are stating that XXXX XXXX XXXX is verifying that the account balance and past due balances are accurate which is impossible. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX ( See attachment ). 

XXXX XXXX XXXX CAN NOT Verify or Update a debt that they no longer own and sold twice to two different collection agencies. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX I have exhausted means to settle this debt with XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX is currently in  violation of the Federal Debt Collection Act and I demand this account be removed immediately from all 3 major credit bureaus.
In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my  insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received  another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to  correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!
On XX/XX/14, I paid off a student loan with XXXX in full via debit card, over the phone, in the amount of {$4300.00}. Instead of applying the payment as directed the payment was distributed to all loans ( I had XXXX loans ). When I contacted XXXX and insisted the money be re-appropriated they did not close the loan instead kept the loan open as 92 % paid and charging interest. After numerous calls, they would not resolve their mishandling of my payment. Subsequently the loan is now with Navient and I am still dealing with the same inaction on this particular loan. In spite of my efforts to deal with this and the fact that I have a bank statement that shows the payment, they refuse to terminate this loan. On several occasions diverting payments from other loans I am repaying. It is obvious that this pattern is intentional with both agencies, and I don't know how, or who to resolve this matter. The amount they claim I owe is less than {$700.00} mostly interest since XX/XX/2014, but, I paid the loan in full, four years ago and feel I am being defrauded and not have to pay any further. I need to know where to turn to, so I can resolve this act of fraud by these agencies as it will unfairly affect my credit. In short, I WANT TO FIGHT BACK! but I don't where to turn sincerely XXXX XXXX
I have a lien release from the State of California. XXXX has reported it as " released '' for years. Equifax refuses to indicate " release '' on my report. I have tried contacting them directly and get nothing but a runaround. This is my last stop before I hire an attorney.
XXXX XXXX BANK FAILURE OF DUTY TO PROVIDE NOTICE TO DISPUTE FCRA 1681 ( s ) ( 2 ) ( 3 ) by Furnisher VIOLATION
On XXXX/XXXX/XXXX I received medical treatment from XXXX. They sent statements to an incorrect address in North Dakota. At some point, they sent it to collections to National Service Bureau, where it was assigned account # XXXX, and has a balance of {$240.00}. I found out about this when I saw it on my credit report when I looked at XXXX, I called them, and asked why they had not tried to contact me or send me a notice advising me of my rights and given me the opportunity to pay this debt before a permanent negative mark would be placed on my credit report for seven years. Well, they had an incorrect address in the wrong state. When I moved, I notified the USPS and had my mail forwarded to my new address. I never received the original dunning notice I am entitled to, that gives me 30 days to dispute or pay this debt before a negative rating gets placed on my report. 

I spoke to National Service Bureau on XXXX/XXXX/XXXX and offered to pay for the bill, in full, but requested that they update my address and remove this from my credit report based on the fact that I never was given an opportunity to pay it. They acknowledged they had an incorrect address, and still refused to comply with my request. I remain adamant that should I have been given the opportunity as I am entitled by law to dispute or pay this debt within 30 days of being notified, I would have exercised my rights to pay this and avoid this 7 year adverse remark on my report.
I was with XXXX. I received paperwork claiming my payments were being applied towards my student loan forgiveness. I have documents showing I have seven years of credit towards the loan forgiveness. Then I was told I had been moved to my XXXX. My XXXX says navient had me in the wrong payment plan and now those seven years do n't count towards the 10 years of payments I have to make to get my public loan forgiveness. This will cost me roughly XXXX in additional payments. 
XXXX also handled my loan consolidation after I graduated. They insisted I had to consolidate into XXXX loans not XXXX. Now XXXX, also a Sallie Mae division, says it should have been XXXX but it 's too late now to fix it. That error will cost me another roughly {$6500.00} in interest.
I leased a new Acura XX/XX/2015 and turned in my previous Acura based on their assurance that my last two payments would be forgiven as I had moved to a new lease. Months later I was harassed repeatedly by Acura Finance representatives who informed me that I had failed to make these payments, despite the fact that had I never missed a payment while in possession of the car. Despite speaking to XXXX separate people and explaining the situation, they made no effort to resolve the issue and kept calling me to demand their money. 

After weeks of this harassment I noticed that negative information had been posted with the credit bureaus repeating the lie that I had failed to make payments for over 60 days. This negatively affected my Credit, something I find really offensive as a long time customer of Acura having leased XXXX previous vehicles, all from the same dealer due to my excellent credit, something they sought to undermine. 

Acura Finance never made the effort to reach out to the dealer to resolve this issue and simply informed me that it was my responsibility to call them and ensure that whatever money was owed to the finance arm was paid by them. This asinine strategy makes customers responsible for financial transactions between Acura 's financing arm and it 's dealer network, something I never heard of as a requirement for the lessee. 

After I reached out to the Dealer myself they informed me that they had failed to forward payment and would do so now. I do n't see why this was not done by Acura Financial months before and required my intervention to finally occur. What I find truly repugnant is that Acura appears to focus only on completing sales and receiving payment for itself throughout their sales process while simultaneously transferring responsibility for financial transactions onto the customer, punishing them through the Credit Reporting process with impunity for their mistakes. 

After contesting this issue I 've now received a bill for over {$600.00} for excess wear and tear, due within 30 days, something I was told would be covered with my upgrade to a new Acura at the time of the lease and a charge I 've never had to pay previously in any of my other leases. 

As a customer of Acura for two decades I 'm truly offended by their customer un-friendly approach to financial aspects of their business.
I requesteded a title loan on X/XX/2017. This loan was for {$350000.00} the branch general manager advice me that if I ever had a problem paying to contact her for extensiones. First payment was due on X/XX/17 i call the store to get a extension for 3 days and the manager adivce me that i has to pay {$970.00} ( regular payment XXXX month ). On X/XX/17 I call the branch to get a pay off amount they adivce me that it was {$3600.00}. i did not uderstand why it was so much i had been told it was {$3200.00}, the explain of a daily fee of {$16.00}. That same day i recivded a call from corporate TITLEMAX number was XXXXthey call me twice at XXXX XXXX and XXXX XXXX. A person by the name XXXX XXXX told me that they would settle my account if i piad it off on X/XX/2017 before XXXX in store, she advice that it would be better if i paid with my debit card, i exaplin that my daily purcahse is not more then {$100.00} daily. She said that per her supervioser XXXX XXXX the settlement was approvde to make sure i took in a cashier check to the store for the amount of {$3200.00} i ask for time off work and went to the bank got cashiers check # XXXX for {$3200.00} to pay off my account # XXXX,XXXX XXXX i go in to the branch XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX. They told me that there is no settlement and that i had to pay a total of {$3600.00} that was {$360.00} more then what the settlment was. i call the number of corporate and talk to the XXXX XXXX XXXX at XXXX and they said that he does not know what happen but i had to pay the {$3600.00} amount per the corporate supervisore XXXX XXXX . I vvery desapointeded of the process they gave me no explanation of what happen and the keep telling me to give them cash, something that i did not do. DONT GO TO TITLE MAX please.