WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. XX/XX/XXXX I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. XX/XX/XXXX my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( XX/XX/XXXX ), our mortgage company informs us that Santandar reported us 30 days deliquent XX/XX/XXXX. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit bureau. The representative informed me they did not have that paperwork since they purchased my loan through XXXX. They said it is not their policy to send that information to consumers when they are converted from another bank. I asked to speak with the credit reporting dispute department on this same day. I spoke with a manager named XXXX who informed me that there was no record of Santandar reporting to the credit bureaus since XX/XX/XXXX. I asked XXXX for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!
I had a Preferred Thank you card with Citi which I cancelled when I was bill an annual fee. When I cancelled I agreed to continue my relationship and Citi offered me a no annual fee card which I agreed to take. Citi send me a written confirmation of the cancellation of the Preferred card cancellation. 
I just received the first bill on the new card and it contained a {$95.00} previous charge ( The annual fee from the cancelled card ), a {$25.00} penalty and a {$3.00} interest charge. Citi deigned to reverse the charges after an hour call and said the {$95.00} fee would have been reversed later after 60 days expired from the cancellation date ( and cancellation period was required by law ). That may be true but they were silent with respect to the interest charge and the late fee. 
There practice seem just wrong and Citi should be required to change their policy or at the very least suspend the imposition of a fee on a cancelled card!.
I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.
I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.
We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands.
I'm a victim of fraud and I sued Bank of the West. I was first offered a settlement by XXXX XXXX, which she reneged on.. 

Apparently I'm now being offered another settlement, but, the law firm that Bank of the West hired is too sexist to deal with. XXXX XXXX XXXX XXXX. I don't understand how to talk to a law firm that has all female support staff and the lack of ethnic minorities in management is baffling. 

This level of sexism and discrimination is something that I've never, ever seen. I never even conceived of this situation before now. I don't know what to do. I'm being denied a settlement and am being treated differently because I don't know how to deal with sexism in practice.
I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.
I noticed I had late payments on my Wells Fargo Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.
Capital One has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
I lost my job and was unable to pay the loan. I forgot and never received a letter now they are harassing my family and myself and left XXXX to my brother stating his name and saying he was a compliance officer in a case being filed against me and they are going to appear at my home or job leaving processing and case file and that it was an illegal notification via phone. When I called and told them at this time I was not able to make a payment he told me that they were going to proceed with judgment and my wages were going to be garnished I said I should probably get a lawyer involved he said how do you have money to pay a lawyer and not the debt then he said ok well we 'll see you in court and hung up. When I called the first time they wanted me to pay over XXXX $ for the legal fees then we could set up a payment plan for the rest when I said I could n't afford that he said ok we 'll let the debtor know that we made contact you are refusing to pay and we 'll see you in court and also hung up.
I opened a business checking account with Bank of America in XXXX of 2017. I do not recall ever being asked to opt-in to overdraft protection, in accordance with the overdraft protection law. I was given the option to opt-in to something the bank called " overdraft protection, '' which I declined. Family health issues caused me to step back from my business for several months and I incurred more than {$1000.00} in overdraft fees. During the course of trying to address this with the bank, I learned that what they call " overdraft protection '' is really just the option to link some other form of payment to my account. I spoke with several customer service rep 's before talking with a supervisor named " XXXX '' in XXXX. He told me that the default setting on all business checking accounts is for them to cover overdrafts, at their discretion, and then charge a {$35.00} fee for each transaction. This, he said, is why they had charged me more than {$1000.00}. I told him that this seemed to be in conflict with the Overdraft Protection Law and that their word-choices seemed a clear-cut example of deceptive marketing. He refused to explain to me why the law, seemingly, was not applied in this case, how I could keep from incurring fees ( other than by telling me to change my notification settings ) or why their definition of " overdraft protection '' was different than the layman 's version ( and that contemplated in the law ).
I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.
On XX/XX/2019 fraudulent transactions with my debt card. 
Total of 6 transactions. 
1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX I did not make these charges! I called the bank the same day they were done ... they emptied my account! 
Now bank returned # 1 and # 2 ... all others were denied! 
I dont know what to do! Its so unfair! 
Help!
I sent a copy of a letter submit XXXX to transunion that state that transunion must delete the account submitted to them back on 2011 for the amount of XXXX .and transunion refused to deleted that account from my credit report while XXXX did. Transunion have the copy of the letter .i call them to know why they said that have to investigate it. Reason why I am filling to complaint again transunion
i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the Transunion Credit Reporting agency. Please correct and remove the inquire off my report.
Myself and my family are victims of Hurrican Irma in the Florida XXXX, My Insurance company was slow to pay and when they did all of the contractors are on a 6 month or more waiting list. I can do the repairs myself and elected to do ( it is my right in FL ) so as it would be over a year since the hurricane hit before our house would be repaired, which is unacceptable to me due to the presence of black mold in the house. I sent two checks to my mortgage company one for XXXX XXXX and another for XXXX XXXX a little while later, in which they assured me that they would send it back in draws. They applied the XXXX XXXX dollar check to my loan and then told me I would have to complete all repairs with my money before they would send me any of the XXXX XXXX and that I would have to submit receipts to get any of that. I asked them what would happen with the remainder should I complete the repairs below the amount paid by the insurance company and I did not get a clear answer, I get the feeling they are acting in bad faith and again plan to apply that remaining amount to my mortgage. Meanwhile I am scraping ever cent I can together, with each paycheck to try and repair this place. This is not fair and it is further victimizing people that have had their life devastate. My mortgage company goes by the name Human Mortgage but they are actually First Community Mortgage, the contact info I have for them is XXXX and I have to send emails attention XXXX to get the attention of my case manager.
THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX
I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.
Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide
I filed a complaint last year regarding XXXX XXXX, they told me because my loan was not in default they could not do anything further. I have no interest only payments left and have been paying my loan every month however the payments are very high. My loan is now being serviced by Navient and I can not get through to someone, I would like to settle or negotiate my loan.
Paypal signed me up to their credit card " Paypal Credit '' without my express permission or authorization. This is fraud.
XXXX XXXX, Equifax and XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files.
I have been having lots of issues with EQUIFAX. First off they moved my file to the office of consumer affairs and blocked my online access to my credit report!!! I am a paying member of there credit watch SVC. They contiune to charge me even though i can not use it. I have called and sent in documents asking this to be cancelled and me not contiune to be billed. They are still chargeing me 3 months later!!! Call center overseas dose not seem to address this issue at all. Equifax needs to stop charging me and refund me for the past 3 months that they charged me for something i could not use!!!!
Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I was involved on an online dating site scam, which I deposited {$33000.00}. into XXXX accts thru Wells Fargo.The accts were XXXX XXXX XXXX XXXX. Acct. # XXXX Routing # XXXX -XXXX and XXXX XXXX XXXX, Acct. # XXXX Routing # XXXX XXXX. 
XXXX XXXX XXXX ( was the person, fictious person ) Through the police dept ( which is still working on the case ) told me that those XXXX accts were involved with money laundering, exporting cars to XXXX. These types of people need to be arrested and Charged and to pay monies back. I can almost guarantee that I am not the only person this has happened by these people. It is very sad that rings of this nature get by, with stealing monies from innocent people, as myself, who has worked all my life, to get where I am at, and to get scammed by dirt bag people. 
On XX/XX/XXXX16, I went to WF and told them, that I got scammed, and they told me they were able to locate accts and monies were in accts put a HOLD on that MONEY. I was dealing with XXXX XXXX, ( branch manager ) at WF at XXXX XXXX XXXX, XXXX, XXXX XXXX. She told me at that point that they were going to get ALL my MONIES back. 
After dealing with her for a couple of wks and sending police report to corp. it didnt look good, but they were trying to get SOME money back. Why Why, would a branch manager tell me, they were going to get the money, when they had no intentions of doing so. Through many oganizations that I have contacted, I have asked, for information, of what protocol they followed and step by step of what they did to get my monies back, never received anything, except, I should follow up with authories. On XX/XX/XXXX16, XXXX administrative assistant called me to inform me that XXXX was to call next day to give me more info, never heard from her. I called XXXX twice to say I was very dissappointed because I never received a call, nor did I hear back from XXXX .... Makes you really wondering, what kind of operation they are running. 
Which now leads me to believe that I through WF became a viticm of their scams, that they used on their customers, of stealing personal info, and making false credit cards and stealing millions of $ $ XXXX They have not proved anything to me. 
Which now after hearing about the crimes they have committed, stealing from their customers and making fake credit cards, I have reason to believe that they took my MONIES, that they soooo promised me, and used it for this purpose. They should be shut down as a company, but all they could do, was to say sorry, and pay a fine. REALLY????? 
I feel I became a viticm of WF fraudulant actions and improper practices. It was easy foe them to do ... ..
Collection Agency submitted invalid debt to credit reporting bureaus but there was no prior contact with me and no ability to dispute. 

I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself.
Our clients submitted a loan modification to Ocwen and were given a single point of contact XXXX XXXX. During the process of loan modification, they were concerned about the pending foreclosure action that was ongoing and were fraudulently advised several times " not to worry about the foreclosure action of default because they were being reviewed for a loan moidification ''.