WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with Experian credit bureau concerning a bankruptcy they are reporting since XXXX 2017. I have went back and forth with this company concerning this entry and they have done nothing to help me or remove this inaccurate entry. They have not showed me or verifyed any proof this is my debt. I am sending documents to help with my case because they are breaking the law in this case.
I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this.
I had hail damage to my roof to due a hail storm. I have been trying to get a check endorsed by the Cornerstone Mortgage for 2 week. They are forcing me to wait on an inspection and now that the inspection is complete they want me to wait another 5 business days to have the check endorsed and returned. The work has been completed and the contractor has been waiting on payment for almost 3 weeks. They refuse to escalate the issue and are frankly not worried about the timeliness of their customer 's payments to their contractors.
My mortgage servicing was sold to US Bank shortly after I purchased my home in XX/XX/XXXX. FIRST COMPLAINT : I have always paid my mortgage on time, never any late fees. Then, in XX/XX/XXXX, they began charging me {$25.00} in processing fees if I did not pay by the XXXX of the month. All other mortgage servicers do NOT charge late/ " processing '' fees unless you fail to pay by XX/XX/XXXX. I called them to complain. They told me that if I set up automatic bill payment, they would not charge {$25.00}. This, I always feel, is an invasion of privacy when forcibly coerced to do it ( i.e. do this, or we 're charging you extra fees ). I asked why they were doing this. I always pay by the XXXX of the month, as with all monthly. they said it 's because they outsourced the payment processor so they have to charge me the fee. Is n't US Bank Home Mortgage getting a serving fee anyway from Fannie/Freddie which entails part of my interest paid? SECOND complaint : this month they changed their online login to their standard banking login ( mortgage banking used to be separate ). Now, when I log in, ALL I can see is my balance. No access to my loan start/end dates, amortization schedules, anything else. You have to call them to gather this detail. This severely limits my ability to strategically plan my finances. I 'm concerned about the ethics of this firm. They do n't seem to care about the end user. They just want to make money. And now I ca n't trust them in correctly calculating my monthly payments / amortization since it 's no longer transparently provided.
I recieved a call from XXXX XXXX at work on XX/XX/XXXX about monies owed for XXXX XXXX I needed to pay or i will be sued. I explained I was closing on my home on XX/XX/XXXX I would pay the debt at that time. On XX/XX/XXXX XXXX XXXX called back. I called him back to settle the payment on XXXX. The payment was declined by my bank for fraudulent activity. They tried to withdraw XXXX 8 times that day. My bank canceled the card. I then started recieving threatening calls from various numbers. At this time XXXX started threatening me that a summons was being issued and I was going to be arrested at my home or place of employment and that my drivers license was being suspended. This company goes by Niagara restitution. I called purchasing power they sold the debt to a different company not Niagra Restitution. Everytime I call back regardless the number they called me on, the same person answers no secretary or automated recording. They call me every hour harassing me. This particular debt isn't on my credit report. My husband asked XXXX for a debt verification letter and she is supposed to be sending one.
I was told I could not consolidate my loans or continue with an income sensitive repayment plan.
Dear Consumer Financial Protection Bureau, Please help I am about to lose my home because SN Servicing CorporationXXXX XXXX phone # XXXX ext. XXXX - XXXX  who refuses to provide me with a payoff statement in order for me to sell my home, it is over 2 weeks since I requested for a copy and all they do is keep lying to me stating that they need to gather information. 
Now I have a foreclosure sale date set for XX/XX/2017. 

I was forced to place my home on the market to avoid foreclosure because SN Servicing CorporationXXXX XXXX claims that my original balance went from {$39000.00} to {$80000.00} within 6 months. 

Now I have no choice to sell my home because SN Servicing Corporation/XXXX XXXX keeps manipulating the balance that way the sell of my home does n't go thru. 


This seems to me that SN Servicing CorporationXXXX XXXX is delaying this on purpose to foreclose on my home. I have done everything that they requested and its not fair to me and my family to be treated this way. 

We have a foreclosure sale date coming up on XX/XX/2017 and SN Servicing CorporationXXXX XXXX looks like all they want to do is taking advantage of my situation. 

I requested for a manager and she tells me that she is out on vacation and wont be back until the end of the year. 

Please help!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I 've had XXXX separate credit accounts with this company, ( XXXX paid off in full ). Unfortunately, this month has me in financial distress and consequently caused me to be a little late. 
As of today, 8 days late ... although, still within the 10 day grace period ( XXXX/XXXX/2015 ). 
Reason being late, is a result of periodic XXXX ( XXXX VA XXXX XXXX XXXX ). 
That being, this company has called me over 60 times in the past 7 days, ( all recorde via cell phone ) .Somedays they 've called 10 times in a 12 hour span. 
This is all after speaking with a Conns rep back XXXX 2015. 
I explained to him that XX/XX/XXXX payment would be a few weeks late. 
The saddest part is, As a XXXX Veteran ( XXXX XXXX ). I 'm already battling with many health issues and do n't need the extra stress from their excessive, harassing calls while in the hospital. 
This is only causing additional stress. 
Again, I 've used this company several times in the past 2+ years and have NEVER missed or been late on a payment. 
I can not help what 's happening this current month. 
My health takes precedent ... Hopefully they can understand this and back off with the calls.
I have submitted this complaint earlier this year, but the issue was not solved. I have applied for a car loan and was approved by a lender ; C.P.S ( Consumer Portfolio Services ) .Do to issues associated with the dealer the deal did not go through, now C.P.S is refusing to lend to me when I already have been approved by them twice. Also they have financed people with a similar credit record and score as I do, but they will not approve me, when I have proof of income and capability to pay the loan. Also the dealerships that I applied for are holding back the interest rate that I qualify for, so they can sell the contract at a higher amount to the lender. I believe that I cant get approved because I challenge high interest rate, when I qualify for a lesser rate. These banks and dealers are refusing to lend to me but they are lending to others who have the same criteria on their credit.Dealerships are also involved in hiding information concerning the obligations to the loan, such as True Market Value, present price of the vehicle, and amount approved for. I think there should be an investigation on both dealerships and the following banks. 

*Consumer Portfolio Services- Has approved me and denied me lending without explanation, but they have offered consumers with similar credit data, loan approvals. 

*XXXX has purposely withheld information from me that would allow me to choose a much favorable interest rate. They also have hidden other lender approvals from me, who offered lower interest rates. This was done in order to sell the contract to a lender at a higher price. 

* Dealerships are running my credit and sharing my information without my permission after I signed documents stating that I did n't want my information shared and I did not want my credit ran, because I was already qualified for a loan. 

Dealerships and lenders are lending to people they favor and are not basing qualifications off of credit scores. They are making decisions based off how much information the consumer has. Because I have knowledge of financing and how APR is initiated, I believe that I have been discriminated against in a form of retaliation by way of lending refusal and high interest rates. 

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Capital One is a crooked company that I had the misfortune of doing business with in the past. 

Now, now matter how often I tell them to go away and stop marketing me, they keep coming back. 

I just received another call from them even though I keep my number on the XXXX list. I verified with the operator that contacted me that they were Capital One. 

Please put them out of business!!!
Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.
I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

Transunion 's customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.
Regarding Paypal , Inc . 

On XX/XX/2017, two colleagues transferred funds to me to pay for a gift for our boss. One person had an XXXX name, the other an XXXX ( XXXX ) name and the funds were for a XXXX gift. The company processed and disbursed the funds from the XXXX co-worker but confiscated the funds from the Christian-named coworker. 

The company website states that " pending '' funds will be available in 21 days. I waited this time but nothing happened. I began calling, but none of the representatives were able to help and/or were instructed not to help. I continued calling, but nothing. 

The company has clearly violated my rights by choosing ethnicities from which to confiscate funds. In addition, they have borrowed from me without authorization. 

I would like a full explanation of what happened and why they refused to resolve this transaction in a timely manner. Also, they should make me whole for the confiscation and unauthrized borrowing of my funds and the banking problems this resulted in. 

The company should be more transparent they at times they borrow funds from your account for lengthy periods of time without your authorization. 

Lastly, the company should be more clear on their website and materials as to which races and ethnicities they apply different standards to. Please make public how the treatment is different for people based on their name and perceived religion and background.
Navient customer service has been extremely rude and they refuse to help me lower my loan payment despite numerous calls to tell them that I ca n't afford the monthly payment.
I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all three credit bureaus Equifax , XXXX and XXXX with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XX/XX/XXXX. This item is over 7 years old and is still being reported on my credit report. Transunion completely deleted the item, Equifax has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XX/XX/XXXX and a last status date of XX/XX/XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.
I purchased a XXXX XXXX XXXX and Capital one Bank was the bank that financed my loan. I was making payments on time each month until I lost my job of 14 years. I lost everything my XXXX, life savings and had to file a chapter XXXX bankruptcy. I continued to make my payments on time while in a chapter XXXX bankruptcy we converted our current bankruptcy into a chapter XXXX. I was well aware if I done so I would loose the car in the process. I was okay with that. The issues are first this bank refuses to pick up their car after many attempts to order them to. We have a unwanted car sitting in our driveway for months without consent. Secondly they are reporting inaccurately on my credit report showing a charged off auto loan with a past due balance. This loan was included in our chapter XXXX bankruptcy. In fact this bank did not show up for the creditors meeting. They have violated my rights under the FCRA and bankruptcy code. I asked to speak to someone to get this matter resolved they refused to accept my call and only speak to my Attorney.
I could not get help with payment plans and I have defaulted and resulted in late payments that were reported on my credit report
Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.
I have a credit card with XXXX/XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
National Credit Systems has reported information to the credit bureaus that is inaccurate based upon an alleged debt with XXXX XXXX XXXX, which I do not owe. The apartment complex had claimed that I owed for damages disclosed on the move in checklist, as well as a host of other fees, which I do not owe.
My home loan payment with Nationstar Mortgage ( XXXX ) is scheduled to increase on XXXX XXXX, 2015 over 100 % from {$3800.00} to {$8400.00}. Nationstar misled me approximatley 2 years ago, by telling me the payment would increase approximately {$1000.00} monthly. That increase is {$4.00}, XXXX monthly. I can not afford that. I would have never signed documentation to that affect had I known the payment would increase so much. Additionally, I am still approximately {$300000.00} upside down in my home. This is former XXXX XXXX XXXX loan # XXXX.
I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.
Gym owner offered 12 month membership for XXXX month price if paid in full at time of signing up. Signed up on XXXX/XXXX/15, owner closed business on XXXX/XXXX/15 after not paying rent since beginning of year. I disputed half the amount on my credit card since I was only able to use XXXX a years membership, owner being in breech of contract of 12 month deal. Feel deal was made deceptively, with owner knowing he would be closing within XXXX months as evidenced by realty company filing suit to have him evicted and making a settlement with hi on XXXX/XXXX/15 after many months of not paying his rent. He has now sent me to collection agency for XXXX amount of credit card dispute, which is still being investigated by credit card company. He has done this with all members that disputed any part of his membership fees on their credit cards. I can provide you with names as needed. He also sent a nasty message to my cell phone threatening that " DSG Collections will be calling you often until your new obligation of {$720.00} is paid for ''.
I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously been a victim of Identity Theft, I checked my report almost daily for new/unauthorized inquiries or accounts appearing. That is why online access is so important to me. Now, apparently the file size will not allow online access and I must mail in a form to get a copy of my report. For someone who is monitoring their credit for identity theft in the event someone attempts to open an account in my name, I need to be able to access my credit information without waiting two weeks for XXXX in the mail.
Fortiva has reported and damaged my credit intentionally. I called this credit card company on XXXX XXXX, 2016 to make payment in which their automated system advised my credit card was current and I owed XXXX dollars. On XXXX XXXX, this credit card company called my cell via the dialer system and I spoke with a customer service rep who told me I was 30 days past due and I pay her one payment in the amount of {$74.00} in which I did. Five minutes later I was contacted again via automated dialer on my cell phone and was told I was 60 days past due and should pay 2 payments. Then, I became confused because the reps could not explain my due date or my payment history. I then called back, got another rep on the phone and the third time was told something different. I asked if this would destroy my credit. All the reps kept saying was not to worry, everything was going to be okay and not report if I paid. I paid as instructed and now I am being reported 60 days on my credit. Fortiva has destroyed my credit with their poor customer service and misleading practices.