WillisBack/dataset-financial-user-claim huggingface dataset:
Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.
I missed my payment in XXXX. Then I made my payment plus extra towards the remaining balance and have been making payments for the last three months slowing reducing the debt. They are asking for a minimum of {$1300.00} a month! Which is absurd and I have a hard enough time making the minimum payment, but I do plus extra every month. They call my house, my cell, and my work 5-6 times a day! It is non stop. They send emails, calls, email, calls multiple times a day and I already am making payments. When I speak to them to stop - they hang up and call again. I make {$1500.00} payments each month to get current. They need to stop.
I was on XXXX XXXX military at XXXX XXXX AR when I got an XXXX XXXX XXXX   phone in XXXX. For the first several months I was charged for roaming charges. Each month they would take the charges off. About 4 months later I was moved to XXXX  XXXX XXXX in XXXX XXXX. I had so many issues involving my bill and coverage I talked to XXXX XXXX XXXX  and because I was XXXX XXXX they said I would be released from the contract. On XX/XX/XXXX I find out my check has been garnished by XXXX XXXX. I called XXXX  XXXX XXXX n they all tell me the account was closed and not sent to collections. XXXX refuses to send me the Inormation about the judgement and say my debt is now {$6000.00}!!! That's a 4 month phone bill. I find out that they served the papers to my father and we didn't even live in the same state. They refuse to take my calls or answer emails. I have sent a request for all information that is required from them by law. They have not responded in a timely manner or at all. They continue to garnish 25 percent of my net paycheck even though Oklahoma law allows only 15 percent for head of household. I. Sure that this is judgement is in no way right or fair. XXXX XXXX have multiple lawsuits for fraudulently obtaining judgement including not giving notice, fraudulent evidence, inaccurate debt amounts and information, statue of limitations. They also were indicted XXXX vs Asta funding on RICO act, and lost class action. Please help me. I am a father of XXXX children and a wife all depending on my support. This is allegedly from 13 years ago
My Refinance of my mortgage was first " financed '' by XXXX XXXX XXXX XXXX, I agreed to the terms of the FHA refi, and signed papers, all went well/smoothly ... I agreed to the {$410.00}. per month mortgage payments, etc. 
My loan was " sold '' to Rushmore Loan Management Services LLC -- and there have been multiple problems since then. 
My Escrow account was " evidently '' short, so they raised my Escrow and Mortgage payments by {$50.00}. per month.. -- In phone calls to RUSHMORE I found out they had a " XXXX XXXX '' insurance policy added on to my Escrow account. I DON'T HAVE AND HAVE NEVER HAD A XXXX XXXX POLICY. They evidently removed that ... and my Escrow and payments did NOT go down ... They then " added '' on Flood Insurance.. without contacting me at all. [ They had all the paperwork from the original XXXX   XXXX, which included the paperwork to prove that I DO NOT LIVE IN A FLOOD ZONE, and Flood Ins. is optional not mandatory for me. ] Information and documentation on the " Flood Insurance not mandatory '' for my area was AGAIN provided to them. I don't know yet if they have removed that and lowered the 2019 payment from well over {$500.00}. back the the only {$50.00}. over my initial agreed upon payment amount of {$410.00}. 
MOST RECENTLY ; I had to change my bank account due to someone " getting into '' my home computer.. for security reasons. Having to change this, after 20+ years caused some issues for me, in differentiating between my " member number '' and " account number '' with my Credit Union .... causing a RUSHMORE automatic PAYMENT to be returned/rejected due to the wrong account information ... one month. The next month my ONLY INCOME of XXXX did not go into my checking account, due to erroneous account information.. month two ... causing the Rushmore automatic payment to be rejected/unpaid. All information has been corrected. I have spoken to RUSHMORE " CUSTOMER SERVICE '' on a few occasions ... it is frustrating to do so. 
THEY ARE PRIMARILY AND FOREMOSTLY operating and acting as a " COLLECTION AGENCY '' ... very impersonal and inflexible, and we all know how frustrating it is to deal with a FOREIGN company when trying to solve a customer service issue. I have explained completely and fully the account errors in changing my bank account. I'm a XXXX year old XXXX woman who lives alone and on a very limited income.. I am XXXX XXXX. I have NEVER had any account in arrears, not a mortgage, or any debt, no utility has ever, ever been turned off for lack of payment. I have always paid all of my bills on time and as due ... I resent being treated and spoken to as if I am irresponsible and a credit risk ... My honest explanation for what had happened, once in a lifetime BEING IGNORED COMPLETELY by the Company. 
XXXX foreign customer service rep. told me that my payments would be " CERTIFIED FUNDS ONLY '' -- putting a physical hardship on me, XXXX .... and I told her that was not going to happen ... these two payment snafus were a one time, special circumstance and NOT done by someone with a poor, unreliable credit history/payment history. 
Thank you.
After receiving a request for payment of an additional amount to my regular payment I made a request for an explanation I was told it was due to an increase in property tax and insurance. I contacted both the town and my insurer and was told by the Town Clerks office my payments included late charges. I will pay both insurance and property taxes as of this date. I simply requested before any additional funds were paid that they provide the following : 1.An accounting of all late charges paid ( insurance and Taxes ) since they acquired the mortgage. ( I don't have any late payments ) 2. Removal and accounting of all mortgage, taxes and insurance as of the call date.

3. The New monthly payment reflecting the removal of property taxes and insurance.

4. Statement reflecting the status during mortgage company acquisition of my mortgage.

5.Immediate removal of late charges and negative credit report due to the new unexplained charges.

Whatever the difference I will pay immediately it they are accurate however I am still waiting for the explanation and just received a collections letter from them.

Thank you
I had my home mortgage with Bank of AmericaI went thru hell for over a year to get a loan modificationSo I would n't be foreclosed XXXX finally got approved to get my payments downFrom about XXXX. Mo to XXXX. A monthA couple months later they sold my mortgage to countrywideWho was then taken over XXXX sent me my mortgage bill and it was back upXXXX XXXX. XXXXI am a widowed XXXX yr old woman who doesn'tKnow where to turnEach bank says it 's the others problemI 'm afraid of foreclosure because that one paymentEats all my social securityI just had a bout with XXXX and have medical issuesAnd bills and need direction can someone pleaseGuide me or help me get myPayments affordableAll my utilities are XXXX months lateThe house is falling apartThe roof leaks basement floods windows andDoors stuffed with plastic bags to keep weatherOut furnace air and sump pump are oldAnd in bad conditionI really really need help getting these paymentsBack to XXXX or XXXX a month
Court Case XXXX XXXX was a foreclosure case between HSBC and XXXX XXXX XXXX and not XXXX although XXXX XXXX XXXX represented XXXX. 
We were summoned to Court on XXXX XXXX, XXXX dealing with foreclosure. We havedocuments from XXXX showing that your relationship began with XXXX as XXXX XXXX XXXX and not XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX before a Sheriff sale you verified your sale from XXXX to theFederal Reserve Bank XXXX XXXX dismissing your involvement with us. 
On XXXX XXXX, XXXX you appeared again with a Sheriff sale. 
XXXX XXXX, XXXX HSBC received confirmation of your Sheriff Sale. 
We have no reason to address XXXX because you stated on many times thatyou were the owner. You simply as the owner has been able to fraudulently XXXX XXXX Mortgage in XXXX in Ok ) sell property on ( XXXX XXXX different occasions and thereforewe scream XXXX jeopardy and mortgage fraud. 
We have shown that no mortgage existed and therefore believe that HSBC owes usour Truth-in- Lending amount from XXXX of {$480000.00}.
Effectively Citi had done a 'hard hit ' on my credit report without providing a card in a timely manner. They will not cancel the card and remove the 'hard hit ' so that I can get a new card elsewhere without adversely affecting my credit score. Was provided incorrect information by multiple agents and wasted hours of time. 

# # XXXX : Applied for a pre-screened offer ( Citi Premier Mastercard ),  approved and got an e-mail saying I should get it within 7-10 business days. Haven't received this as of XX/XX/XXXX. ( attached ) # # XX/XX/XXXX : ( After 12 business days ). Had received all the paperwork except the card. Called and after lot of back and forth the rep says the 10 days start from XX/XX/XXXX and wanted to wail till XXXX. Didn't issue a new card after the 10 business days deadline. 

# # XX/XX/XXXX : Got the first statement running from XXXX with XXXX balance ( start date pushed to XX/XX/XXXX - attached ). Called again and the rep concluded that the card was lost in mail. And told that a new card will be sent by XXXX overnight and I should get it by XX/XX/XXXX if not XX/XX/XXXX. After that got an e-mail with a tracking link that does not work. ( attached ) # # XX/XX/XXXX : Haven't received the new card. Called and was told that the card was sent by XXXX on XX/XX/XXXX will get by XXXX the latest. Asked if I can cancel the card and get the 'credit record ' removed, but was told no. Also got a letter in main asking me to contact back if I do not receive the card by XXXX. ( attached ) # # XX/XX/XXXX : Called back again and after transferring many times I am told that the new card was sent by regular mail and will need 7-10 business days from XXXX. Also I am told they will not cancel the card and remove the credit hit. 

# # Given that I received multiple other mail from Citi during this time and was provided multiple false information, I am suspecting that this is a tactic to make it hard for customers to meet the promotional offer related spending targets within first 3 months.
I originated a loan with XXXX XXXX XXXX, that loan was sold to XXXX XXXX XXXX and then recently sold again to Navient. 

Navient has the following policy regarding their auto-debits for repayment : " Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. '' Ie. if I want to monthly transfer more than the minimum of {$180.00} on a {$27000.00} loan, I have to go onto their website for every transfer. There is not an option to increase the amount being transferred. 

Not only is this very inconvenient, they are hoping to drastically increase the amount of interest I will be charged over the life of the loan by introducing this friction to make payment.
TransUnion has an incorrect name for me. The only name I have ever used or XXXX a XXXX and XXXX XXXX Equifax has a XXXX Florida address and I have never lived in XXXX.
Around XX/XX/2018 I had my credit report run for a rental application. Equifax stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called equifax they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with Equifax ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that Equifax provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is equifax that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Syndicated office keeps reporting accounts on my for medical bills im unaware of, I sent synicadated office systems a letter asking them to let me validate the debt because I 'm unaware of any outstanding medical bills, these show form XX/XX/XXXXand I was never notified of this debt, by law they have to provide me with information on this debt and give me time to respond and neither was done. CFBP fined syndicated office for these same things and it 's now being done to me XX/XX/XXXXthey were also violated for doing as follows As part of its debt collection business, Syndicated Office Systems regularly supplies information on the status of its medical debt collection accounts to credit reporting agencies and is considered a furnisher under the Fair Credit Reporting Act. Credit reporting agencies track a consumers credit history and other consumer transactions based on information supplied by furnishers. The reports that credit reporting agencies sell are used in determining everything from consumer eligibility for credit to employment decisions.
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Syndicated Office Systems typically initiates collection efforts through letters and telephone calls to consumers. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to alert consumers about their right to request proof that a debt is valid or dispute the debt. A CFPB investigation, however, uncovered that Syndicated Office Systems failed to send debt validation notices to thousands of consumers.
Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.
I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.
Recently contacted Navient to ask what the " Unpaid Accrued Interest '' was that was recently applied on the account. I have been making the payments on the account for the last two/three years, and it should not have had any missed or unpaid interest on the account. 

On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) about the {$94.00} that was added back to my account under the line item described as " Unpaid Accrued Interest '' on an account summary letter. 

After looking into the account, he identified the original balance financed and that the account was on a payment/interest reduction plan back in XXXX and XXXX. He explained the interest is coming from the interest reduction plan and added as " Unpaid Accrued Interest '' and added back to the loan. 

When I asked if they ( Navient ) were trying to make up for the lost interest while the account was on an interest reduction plan. He replied, " Yes ''. 

He offered his advise to refinance at a lower interest rate ( currently at 11.25 % ) or suggested that the borrower and myself pay-off the loan. 

It is my understanding that an interest reduction plan should be for that period of time and after that plan is complete, the consumer should n't get penalized for the plan by adding the lost interest back to the loan. Otherwise, why offer or have the option of these types of plans, if the company is going to try and get the money back from the consumer anyway.
I closed out my CD with XXXX XXXX on XXXX/XXXX/2016 and received a Cashiers check for {$100000.00} on XXXX/XXXX/2016. 
I deposited this check on XXXX/XXXX/2016 in the ATM machine of m my local ( XXXX XXXX ) Wells Fargo Bank. Wells Fargo has placed a hold on this check until XXXX/XXXX/2016 with the excuse that the account was not found. The account no. 
is clearly printed on the check and XXXX XXXX assure me that the funds have been transferred to Wells Fargo. 
Wells Fargo refuses to lift the hold and states that it will attempt to locate the account again on XXXX/XXXX/2016 and will return the check to me if they fail. Is there any way to resolve this issue?
I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.
In early XXXX I received a targeted promo mailer from HSBC XXXX advertising a {$350.00} bonus for opening, funding and maintaining a new HSBC XXXX checking account. To qualify, you must be a new customer ( I had never been an HSBC customer before ), must open a new Advance checking account by XX/XX/XXXX ( I opened mine on XX/XX/XXXX ), must deposit {$10000.00} or more byXX/XX/XXXX ( I deposited {$5000.00} upon opening the account on XX/XX/XXXX and {$5000.00} more on XX/XX/XXXX ), and maintain this {$10000.00} balance fromXX/XX/XXXX throughXX/XX/XXXX ( which I did ). 

" You will automatically receive the {$350.00} deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. It 's that simple '', stated the flyer. 

After more than 12 weeks, multiple phone calls to the toll-free customer support line at XXXX as well as to the local branch in XXXX XXXX, CA where I opened the account, additional e-mail correspondence with the Vice President/Cluster Branch Manager and an in-person visit with the same employee, I have yet to receive the promised {$350.00} bonus. 

Every conversation I have had with the local branch employees ended with promises of impending bonus deposit " in a few more days '' or " next week ''. Every conversation I have had with the toll-free customer service representatives started and ended the same way : their confusion and inability to seemingly find any related notes, reference numbers or resolutions regarding this issue. 

Additionally, I referred two new customers to HSBC as part of their " Share The Experience '' promotion, qualifying myself for a {$100.00} bonus per new customer. I have received only one {$100.00} bonus, with the second one due on XX/XX/XXXX. Both of the customers I referred opened new accounts and funded those accounts as mandated by the promotional language. XXXX XXXX branch employees have confirmed this and reassured me that I should be receiving the second {$100.00} referral bonus within the promised XXXX window. That has not happened. 

As ofXX/XX/XXXX, HSBC owes me a total of {$450.00} for personally opening a new HSBC XXXX checking account ( {$350.00} ) and a missing referral bonus for a previously confirmed fully qualified new customer referral ( {$100.00} ). 

I feel that I have reached the end of the road dealing directly with HSBC and its representatives, and would much appreciate some assistance securing what is rightfully mine. HSBC mailed me an offer, I played by their rules, yet they have failed ( repeatedly, I might add ) to uphold their end of the bargain. I have never had such a frustrating and disappointing experience with any other bank promotional offer, and I will never again deal with or recommend HSBC to anyone I know.
Income-Driven Repayment Payment Plan in XXXX was : {$27.00}, XXXX I Now Owe {$32000.00} Navient has managed to accumulate unfair interest on my account since XXXX. 

Upon speaking with their rep today, I was told about capitalized interest, and was charged 3 separate payments on XX/XX/XXXX in the amount of {$520.00}, instead of one-time capitalized interest fee sent every XXXX. Upon bringing this up, the agent stated that I was only charged an interest once even though I could see three charges for said amount. I was then placed on hold on XX/XX/XXXX in which the other two amounts were removed with no claim of fault from navient after the hold. 

To follow up, I brought up a capitalized interest in the amount of {$180.00} on XX/XX/XXXX. Which made no sense because I've never once missed a payment even though my amount is based on my income. I was immediately told by the rep " it's likely i missed a payment '' and of course that wasn't the case, because I was then placed on hold for over another hour just to be told that they would be investigating why that amount appeared on my account because they didn't know. 

THIS IS BAFFLING!! 

Upon calculating all accrued interests since XXXX, I'm baffled that the calculation of what I owe is {$30000.00} and not {$32000.00} as stated. 

I will like to be a part of suing this company for their false practices.