WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company is FlagStar an I have been trying to do a loss mitigation with them for 3 years now. The first time around in XXXX they randomly closed my case, even though I called monthly to check on it. Their reason for closing given to me was I was suppose to send in a monthly of my pay stubs and bank account. This information was never portrayed to me, in which I was never given the chance to comply. I tried again in XXXX submitting multiple applications with no reply. I then contacted HUD in XXXX and had a councilor sit in on a conversation with FlagStar in which they denied me saying I never submitted an application. I then submitted an application while still on the phone without saying so and they still denied, saying I did not. It was n't until a supervisor was called, did they omit I submitted an application. I submitted all the information that was required of me and checked in every 2 weeks to see how the application was goin. When all of a sudden once again they denied me saying that I did n't make enough money and that I would have to do a " Short Sale ''. This was around XX/XX/XXXX and I still am in possession of my house and am scraping by to make payments. 

FlagStar has denied me Loss Mitigation at least 3 times and without notice, I had to call to find out that they randomly closed and or dropped the application. In which they gave me a random excuse for their actions which had no ground. This is n't right, why am I being denied by FlagStar. They should n't be able to just deny an application for any random reason they can come up with and without notice.
This complaint is about Transunion credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.
In the last week, I have received 3 overdrafts from Paypal. They do not have permission to access my bank account as I have a credit card on file for charges. I went to the bank and find out they have been doing this since XX/XX/2018. I called them three days ago and asked about the overdrafts and they assured me it was not them. Over the weekend I received 2 more overdrafts. Went to the bank and in their presence called Paypal. They said I had signed 10 companies to have access to my bank account. I NEVER did. Now I have {$90.00} in overdraft fees and I insist they pay these fees as they never had  permission to enter my bank account. Not even including the fact that they lied to me about them being the culprit using my bank for the past 2 months.
I had trouble getting this company to understand my hardship. I was in XXXX  for a period of time for a crime  that I did not commit. I attempted to negotiate before the account closed due to my absence, but they would not work with me and eventually it closed with negative debt. When I did get my legal situation sorted out, I was let go. Now, I have been working to get my vital credit accounts back in great standing to keep my credit alive and well. They have told me on several attempts that its their decision to close accounts for any reason. All I ask is that American Express work with me and open my account again while I pay the debt down to XXXX over a period of 5 months. Thats definitely negotiable in my eyes considering I have stable income.
Per my Experian Credit Report, they have not updated my information to state that my accounts have been paid on time since in the month of XXXX, XXXX, and XXXX. Per my information on XXXX, and XXXX, my information is currently correct. I would like for Experian to complete their investigation and update their records to reflect the correct information.
Experian opened an account in my name which I never authorized. I had used the service prior to purchasing a vehicle back in XXXX of 2018. I had no intention of being charged monthly for a one time, as they advertised, " Free Check. ''
Since the events below, I have been able to obtain an income-based repayment plan ( that Navient habitually tries to talk me out of. They have, on numerous occasions, told me over the phone that if they did n't want to, they did n't have to let me on the IBRP ) The event ( s ) I am complaining about is in light of recent actions taken against Navient, and I wish to add my voice, as I have dealt with the exact problems mentioned by countless others before. 

When my loans first went into repayment ( XX/XX/XXXX ) I was unemployed and unable to make my initial payments. I contacted the lender for a resolution and was told time and time again that there were no other options available to me other than " borrow the money from your parents/grandparents/aunts and uncles. '' When I informed them this was not an option, the only path I was given was to use up my forbearance ( which was quickly maxed out after a few months. ) When collections came due after forbearance ( Late XX/XX/XXXX - current ), my situation was only slightly better and I had an entry-level role. My family was struck by the downturn ; Lost their house and their jobs and could not help support my payments. I only had an entry-level position and could not afford the full payments. I asked if there were steps I could take to release them from their obligation as cosigners just to be told no. 
My only option was again to " borrow from friends and relatives '' to make my monthly payment. When I was unable to make payments, I was turned over to collections and my credit was negatively impacted. This was the point I was finally " allowed '' to join an income-based repayment plan. 

Since then, I have maintained regular payments and have been able to improve my credit score. However, was made to suffer for 5 years unsure of whether or not I will ever be able to get a grasp on my financial situation.
I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.
. I am currently having issues with my lender, XXXX, XXXX Weichert Financial. Yes I do have an attorney but I 'm afraid that all parties involved are at the mercy of my lender. Also with all the delays already, time will not allow me to find a new lender and restart the process. I have already filed a complaint with the nj department of Banking, but again time is against me. My wife and I are already suffering monetary and emotional damages. And these damages will be even greater if the seller refuses any more extensions. This is why I am pleading for help. 
The company delayed the processing of my loan. Company 's internal delays forced me to sign all the application paper work 4 times, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. All the meanwhile the company kept requesting redundant information, such as pay stubs. Closing was pushed XXXX times. Mortgage commitment was dated XXXX/XXXX/15 but was not released to me until XXXX/XXXX/15, with a page full of conditions to be met and closing scheduled for XXXX/XXXX/15. I have met all conditions with in 1 day except for the XXXX that required seller approval. They refused to proceed in lieu of seller response to condition requests. This caused additional delays, forcing the company to again request updated pay stubs. The loan program that I was trying to obtain was through the USDA, and all information was to be sent to USDA for final underwriting. Company delays caused the file not to be sent in a timely manner, and when the company finally sent the file to USDA, the updated pay stubs reflected a pay raise in my wife 's income, making me no longer eligible for the USDA program by a very marginal amount. Now I am forced to go with a more expensive FHA loan product and redo the process again. If the company processed everything in a timely manner, I would have closed before the issue of my wife 's surprise pay raise. Bottom line is that this company will cost me additional money for the next 30years because of their wrongdoing. Now all the same issues are happening again with the processing of my new loan file. Closing was scheduled for XXXX/XXXX/15 but it is pushed again ( if I get seller approval ) for internal process delays. I have almost all communications in writing via email and can explain the issue better over direct contact with investigator.
Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.
Comenity Capital Bank approved my request for a XXXX XXXX XXXX credit card with a {$8000.00} limit and a {$49.00} annual fee and a sign-up bonus offer for XXXX XXXX XXXX points on XX/XX/XXXX. I received the credit card two weeks later and activated it but the credit card did not work even though it showed an available credit limit of {$8000.00} online. I contacted Comenity and was told that my card had been cancelled due to a security issue and they could not elaborate any further. They do not have any brick and mortar locations in XXXX ( and only have those in XXXX ) so I could not go in brand to resolve this issue. In summary, I did not receive my bonus points, received a hard inquiry hit on my credit reports and received an approved credit card that did not work with no resolution from Comenity. My credit score was negatively impacted because of the hard inquiry by Comenity. They approved my card but later cancelled it two weeks later for no explainable reason.
After retrieving copies of My credit report. I sent a request for validation on XX/XX/18 to Lanier collection agency regarding 3 different accounts listed by CRAs. Lanier Collection Agency have failed to respond within 30 days as allotted by the FCRA.
30 day late payment assessed. Payment sent XXXX XXXX, not processed until XXXX/XXXX/15
Every month I make both my credit card and Autoloan payments in person at chase bank locations around XXXX XXXX California. I make these payments by check in person and generally the tellers are knowledgeable about my account balances, minimum payment amounts, and payment due dates. I needed to rely on them because the Chase App would constantly log me out and block me from seeing these balances. It typically is very difficult to log back in and is in my opinion a waste of an hour and a half each attempt ; since it would just happen again a few days later. In XX/XX/XXXX I initiated a balance transfer between XXXX XXXXXXXX XXXX and Chase bank. The purpose was to pay down the Chase Credit card all the way to XXXX. The transfer was completed although unknown to me there was an interest charge which actually kept a balance. 

For the next two months I would go into Chase Banking locations to continue to make check payments on my auto loan. When I asked the tellers each month if I still had a balance on my credit card, they told me no that it was XXXX. In XX/XX/XXXX, I was surprised to find out from a senior teller that I did actually have past due payments required. Obviously I made a scene in the branch and demanded to speak with the Branch Manager. I asked her to please submit a complaint and resolution request to her central offices. she denied my request and stated that I should have been reviewing the payments from my chase app. She said it was my fault for not knowing I needed to make the payments. I told her that I would purposefully visit Chase Bank locations in order to receive updates about my accounts and to make payments in person. If the tellers from XXXX and XXXX would have informed me that a payment was due on my credit card, I would have paid it to XXXX.I even asked her for disclosures, I was denied and that I believe is also a violation of Chase Bank against their Charter. 

I even complimented the teller that informed me about the passed due payment. Without her help my credit would have been effected much more severely by Chase Bank.
Wells Fargo added " late charges '' to our consumer credit account for several months after the account was paid on time and one month ahead of schedule. This negatively affected our credit rating until we were forced to negotiate a settlement with them. Although they reported the account paid in full, they did not keep their agreement to remove the negative credit information.
Hi, My name is XXXX XXXX. 
I got a parking ticket back in XXXX 2015, that I had no knowledge of, which was sent to my old address. That old address does n't exist anymore as the property is under construction. This resulted in the outstanding debt/bill showing up on my credit report as a Collections. 
This was how I gained knowledge of this outstanding bill. 

I right away paid the collection agency the full amount owed, {$110.00}. 
They, XXXX INNOVATIVE COLLECTIONS, XXXX ), still have not notified the Credit Bureau, XXXX, that this was paid in full and therefore still shows up as an open collections on my report, when I paid this off 4 months+ ago. 

Innovative Collections is practicing their business in a sleazy way. 
I repeatedly called them about this and all they have to tell me is that they notified the Credit Bureau XXXX which they have not really done, according XXXX XXXX and that they can not notify XXXX again that this have been paid off. 

I am stuck here being thrown back and forth not being able to take care of this issue and fix my credit. 

I was directed here by XXXX saying that this is the next route I can go? 

Is there anything you can do to help me with this? 

Thank you
THE BANK IS GIVING PERSONAL INFORMATION TO A THIRD PARTY WHO HAS RIGHT TO KNOW ONE INFORMATION.. THE ARE MIDDLE MAN BROKER CALL FORWARDER THEY OBTAIN THE ASSIGNMENT AN THEN THEY SEND IT OUT ACROSS THE COUNTRY TO A XXXX COMPANY WHO DOES NOT HAS ANY AUTHORIZATION TO KNOW MY INFORMATION.. ON TOP OF THAT THEY CHARGE THE BANK XXXX TIMES THE AMOUNT OF A AVERAGE REPO CHARGE TO THE COMSUMERS. YOUR JOB IS TO PROTECT US BUT THIS CONTINUE THERE ARE LAW BEING VIOLATED YOU MUST PUT A STOP THIS ABUSE.
I am exhausted trying to get Transunion to fix the errors required by law for them to look into to be fixed on my credit report. I have sent Transunion all supporting documents of my complaints and police report. I 've called them and written them as well and have received no response from them. My File number is XXXX. My file contains errors under the personal information section that does not belong to me. I 've never lived in Texas and I do n't know anyone that does. There 's an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address is NOT MINES! This address was reported in the year of XXXX which is the same year I was a victim of identity theft! Transunion has my name listed as XXXX. My name is XXXX NOT XXXX! They have four numbers of which none of them belong to me. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. They took down the number I called from in XXXX when I placed the fraud alert but I told them that was not my number and I did n't currently have a phone at that time. The following accounts listed are accounts I 've disputed numerous times and all they did was send me one letter that says " dispute not specific '' that 's it! The accounts are as follows : ( XXXX XXXX Account # XXXX ) : ( XXXXr Account # XXXX ) ( XXXX XXXX Account # XXXX ). This is my final warning before I pursue legal action against Transunion. to ensure compliance with this complaint and to halt any legal action I may take against Transunion I require a response from them. Failure to do so will act as evidence of their infringement upon my legal rights and I will immediately start legal avenues to remedy this situation
I had a mortgage with Residential Credit Solutions. They changed the rules on ESCRO years into the agreement and caused my payment to go up drastically for a few months. This led to a few 30 days and XXXX 60 day late. I refinanced to another bank and have paid as agreed 100 % of the time. I 've since disputed their reporting to my credit. As it turns out, they assigned a 120 day late as their response. This never happened and can be verified. I feel they 're attacking me for complaining.
This is regarding a Chase Bank Credit card. I have a promotional balance on this account and used it for a small purchase in XXXX. I paid more than the purchase amount that month but it seems that the interest bearing balance was not paid first. I also was assessed a fee for late payment so I paid extra that month to cover the fee ... but the same situation applied. It seems like I am being charged interest on a FEE that in my mind, I already paid!!! I feel like these practices are predatory and trick the consumer into sustaining an interest bearing balance for an extended period of time. It seems like I have no way to pay off the interest bearing portion until the non interest bearing amount is paid first. It seems like a trap. Because the assessed late fee was my first and only, due to a simple oversight, and paid promptly once I noticed the payment was late, I request that fee be waived. Thanks. I also hope that Chase bank changes the way they apply payments when a portion of the balance is interest bearing and another portion is not. Payments should go toward and interest bearing portion first.
Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub. 
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days. 
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it. 
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check. 
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.
My Credit Card numbers were hacked by someone presently unknown. The Staements alleges I am correct the items are fraudulent and have given me a " allegedly given me a statement that all the interim credits are now permanen as their fraud investigation department agrees with me! I spoke to a Discover yesterday who I was attempting toe informed what credits I have been given, and what not, she became beligeren and contrary to their prior ations and statements to me by other members of the fraud and security department Discover, refuses to even allow me to see my statement not have use of the money we both agree is properly in my account, available for my use, but this woman has arbitrarily denied me use of the money Disocver as part of my Credit Card, has set aside for my use, which is account, I my ability to have a card to access the funds has been removed by Discovery. Independently I have attempted to determine the person who has hacked the account, and want to work to help Discovery catch him -- but they refuse.
On XX/XX/2018 i received a phone call on my mothers cell phone from Portfolio Recovery. They stated that if I did not pay that I would be sued. Collections agent kept switching her story between telling me that the statute of limitations had passed, and that it hadn't passed and I was going to be sued because the statute was not up.
for the past 2 weeks, First Bank of Colorado ( dba 1stBank ), has charged over {$200.00} in Nonsufficent Funds Fees to my checking account. Despite this practice occurring in a predatory manner ( this issue has occurred over the past 2 weeks or so ), the bank continues to fail to give a reasonable answer as to why these NSF fees were charged, and refuse to refund or reverse the predatory charges in question. I contacted customer service on XX/XX/XXXX ; they were able to reverse 2 of the charges but that fails to account for even still almost {$200.00} that they essentially stole from my account without notice or reason. I am deeply perturbed by this occurrence and am seeking all avenues possible to resolve the issue.