WillisBack/dataset-financial-user-claim huggingface dataset:
On Wednesday, XXXX/XXXX/XXXX, I sent documents to support my request to delay foreclosure on my home due to a contract that I have with a buyer. In a letter attached to the request, It was explained that I had a first buyer whose toward the end of the process, to no faught of my own, was denied funding ( after more than a month ). She was highly Prequalifed in XX/XX/XXXX. Pre qualification and denial letters were attached. All the documentation regarding this signed signed was faxed to Wells Fargo Home Mortage XX/XX/XXXX. On XXXX/XXXX/XXXX, I followed up with the company. I was informed that the request was denied because I had one previous request approved due to this being the same or similar request. I protested because was not the same buyer, and that the buyer wants to close on XX/XX/XXXX. I requested atleast one more month to close. The agent only reiterated that it was denied. Thus, I asked speak with a supervisor. I then spoke with Team Lead, XXXX XXXX XXXX. He was very helpful and spoke with the Postponement Department After speaking with them, he said they requested another letter from the buyer 's lender stating final approval. This sounded logical, but I believe they were practicing delay tactics. On Friday, XXXX/XXXX/XXXX, I spoke with XXXX XXXX again after faxing the final approval letter. I followed up with him about an 1 1/2 hours to see if he received the letter. He informed me that had sent it to the Postponement Department. He said it would be an hour or so. But, he never followed up with me. So, I called back to speak with him about XXXX XXXX on XXXX/XXXX/XXXX. I was told he had finished his shift. Thus, I called back to speak with him about XXXX XXXX on Monday, XXXX/XXXX/XXXX. I was again told that he would be about XXXX XXXX XXXX XXXX of California time. The agent handling the call was rude and was very unhelpful. Therefore, I asked to speak with a supervisor who told me she had reached out to XXXX XXXX. She said he told her he was coming in about 15 Minuets. I asked that she inform him to call me. After waiting about 30 minuets, I called to speak with XXXX XXXX. After waiting on hold for several mins. After filing two other complaints, I 've Noted similar delay tactics that I 've experienced with the company before. After being injured on the job on XX/XX/XXXX and losing my job soon after, I was unable to keep up with my mortgage payments. The company failed to fully work with me soon after. Finally, I currently have a contract to sell my home on traditional sell with a XXXX/XXXX/XXXX closing date. As an elderly homeowner at 60 I believe that these tactics ( asking for other documents, people not being available, calls not returned, the Postponement Department refusal to look for my files, etc ) are abusive. I had to hire an Attorney and pay {$2500.00} to stop foreclosure. I only request a 30 day delay. I should 've had to pay anyone when I did n't have extra money to do so. This company is very customer unfriendly to its clients and seems uncaring.
We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us
I have an auto loan with Wells Fargo Dealer Services. Over the summer ( sometime between XXXX and XXXX ) my monthly payment jumped from {$440.00} to {$470.00} without notice. I called and inquired about the price jump, and was told that Wells Fargo Dealer Services did not have proof of insurance, so the extra fees were collateral protection insurance added to my vehicle. I have attempted, since XXXX, to update my proof of insurance, but have been stonewalled every time. Wells Fargo Dealer Services currently has no practical way for me to supply them with my proof of insurance, and subsequently they continue to charge me extra money while the matter goes unresolved. I have called them several times trying to fix the matter, but nothing ever gets corrected. I have sent my insurance info to them in the mail, on a fax machine number given to me by a representative and via online website and have had zero confirmation that they received it. I am aware there is a class action settlement against Wells Fargo Dealer Services for this exact same thing, and I believe that I am being affected by their practices.
I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.
I have power of attorney and am a co-signer on my mother 's checking and savings account. My mother gets a monthly dividend check, I have always deposited these checks in person to my mother 's account, the check is made out to her. I never had a problem in XXXX, XXXX or XXXX XXXX until I moved to XXXX, XXXX. The Asst Mgr of the XXXX, XXXX, XXXX branch said that I could n't do this. When I told him I had been doing it for years, he adamantly said no, you ca n't do this. No adequate explanation was given. ( I believe his name is XXXX XXXX ) When I said I could go across the street and do this and made one more attempt by asking him to look up the history of deposits. My mother is in assisted living and ca n't easily go to the bank. He then said okay, I asked why he could grant it then, and why could n't he grant it before? Again, I am a co-signer and also have power of attorney on record with Chase. 

I had this savings account up for my mother for this very reason, now they 're telling me I ca n't deposit any moneys into my mother 's account, even though I have power of attorney and am a co-signor.
This is the 3rd time I've had to address my Amerihome mortgage  account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to Amerihome on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the XXXX XXXX report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from XXXX XXXX XXXX. I am escalating this issue because AmeriHome mortgage had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that Amerihome already has to expedite the resolution of this issue.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.
I set payment arrangements with debt collector for {$600.00}. ( have never missed on my arrangement ) I have been paying {$100.00} every two weeks. the last payment off {$100.00} was to be paid on Friday XX/XX/XXXX. Today it is listed as a collection on my credit report owning XXXX out of XXXX dollars. this is unfair practices. no reason, no notice or anything. I explained to the collector I did not want this on my credit and agreed to paid in full.
We paid off our loan on XXXX/XXXX/16. They held on to our escrow money until supposedly disbursing it on XXXX/XXXX/16. It 's now 24 days since disbursement date and 42 days since paying off the loan and we still have n't received any funds. This should have been part of the settlement of the pay of the loan, not something where they hold on to my money for months after paying them off. I 've reached out to them 7 times now. I receive no communication back from them. The only time I got a hold of them, they told me to wait another week and I should get it. That was on XXXX/XXXX/16! It 's now XXXX/XXXX/16!
Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on 2 seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman
I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.
On XX/XX/2018 I received an email notice from XXXX  that my score had dropped drastically, so I checked the site and found that my 29+ year old credit card with JCPenney had been closed by JCPenney . I submitted an email to JC Penney 's customer service which responded that it was unavailable so my inquiry was rejected. I called JC Penney customer service at XXXX. The CS agent could not find my account ; asked my address ; phone number ; etc., telling me that none of my information matched any of their records. I asked how could I have paid their bills for the last 27 years that I have been at this address, if they had not sent my bills to this address. CS agent had no answer. I further asked how they could close the account without giving me any notice or reason. The CS said they did give me notice, but would not/could not tell me when/where the notice was sent. Instead, I was then told that I had to go to a physical store with photo ID to prove who I was before they coud talk to me. That ended the conversation.

I've always paid the credit card on time, never late. I never received any notice regarding this card being closed. I want to know why, after almost 30 years of having/using a JC Penney credit card in good standing, it was closed WITHOUT any notice. This single act of closing my oldest credit card has dropped my credit score significantly.

This is happening to my over XXXX year old friends as well. We have long standing store cards that are being closed after becoming " managed '' by XXXX XXXX Those that do receive a notice are told they do not meet the lender 's criteria any longer.

I see a pattern of age discrimination because we 1 ) pay our bills so the lender doesn't get those late charges from resposible card holders and 2 ) by closing out old, long-term accounts, it drops credit ratings on the elderly so the lender can charge higher rates.

Punish people for being fiscally responsible.
I have a state tax lien from Georgia that was paid and withdrawn in 2008 but Equifax and XXXX WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking Equifax and XXXX to please remove this incorrect information from my credit file.
I am a XXXX XXXX and believe that I am a victim of the XXXX data breach and some, if not all of my personal information may have been exposed. When the incident happened with XXXX, I did receive notification the data compromised may have included my personal information, such as name, Social Security number, date and place of birth, and current or former address but I did n't take think it truly affected me. In XXXX, I decided to view my credit report and discovered that there was a great deal of incorrect information showing. Because of this, I immediately placed a fraud alert on my account, XX/XX/XXXX, and started to take action with disputes. Not only did I dispute but I also purchased several credit monitoring services so that I could place a lock on my credit reports. I disputed online, via the phone and via the mail. The reason for this complaint is that I have filed multiple disputes with Equifax regarding unauthorized fraudulent credit inquiries that are appearing on my credit report and to this day there has been no action taken on my credit report with Equifax. I opened up web disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX, via the phone ) regarding unauthorized fraudulent and duplicate inquiries. On XX/XX/XXXX I also mailed a certified 609 validation letter explaining my consumer rights under FCRA and asking for the inquiries to be validated, updated, to provide me with proof or to remove. Unfortunately, neither of my online disputes, nor my phone calls, nor my certified validation letter have yielded any results. I havent even received anything in the mail stating that the investigation is ongoing or complete and when trying to check a status online the Equifax dispute system has been down for what seems like a month. Even further, Equifax has yet to mail me a hard copy of my credit report that I have asked for on multiple occasions. Lastly, as mentioned above, I purchased a credit monitoring service with Equifax to monitor my credit. This product allowed me to place a lock on my credit report for extra protection. The paid monitoring service with Equifax ended in XX/XX/XXXX but Equifax still has a lock on my credit report. I have called Equifax at least five times in the last few weeks with regard to removing the lock from my credit report. Equifax has yet to remove the lock and I no longer have a product with them. Each time I call regarding the removal of the lock, Equifax alleges that they have opened several cases to try and resolve this issue ; however, the issue is still not resolved. I recently tried to subscribe to a new credit monitoring service that monitors all three bureaus ; however, due to the lock on my Equifax credit report I am unable to view or subscribe to these services which further prevents me from being able to view any changes, updates or if any additional fraud is taking place on my account. I am seeking the help of the Consumer Finance Protection Bureau with regard to Equifax and my credit concerns with them. Kindly, thanks for your assistance.
I have a loan with CAPITAL ONE AUTO FINAN XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX, and XXXX  are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
I have a loan with XXXX 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 XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
I called to get my payments lowered. Navient stayed that there were no options because my credit check shows I can afford the payments. Even though my credit check has no financial information about how much I make.
I initiated a wire transfer in the amount of {$10000.00} on XXXX XXXX at XXXX PST. Funds were to be available in my a count within the same business day. 

It has been 3 business days and I have not received the funds. Attempts to contact the company via email support, XXXX, and even messaging an executive via XXXX have gone ignored. 

The confirmation number is XXXX
In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too much.
Nationstar Mortgage in XXXX, Texas extended an offer to give me a Loan Modification. I accepted this offer. I was current on my mortgage when the process began. The letter they sent said the trial period was 4 months long. The letter said if I sent more money than the trial amount it COULD ( NOT WOULD ) affect the trial. I was never told it would cancel the trial. They extended the trial by a month, did n't tell me. Cancelled the trial, without a letter. Sent me a letter telling me I 'm late on my mortgage now by {$2600.00}. ( I was current before the trial began ). Now I 'm in danger of losing my house. They are blaming the government for this. Saying it 's all because I sent {$25.00}. extra instead of the exact amount.
I applied for a credit card at XXXX I was denied by Experian because it said that I am deceased?? How do I correct that information? And what recourse do I need to do for this error??? XXXX
I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response.
I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.Cabela 's Club card issued by World foremost bank.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to Cabela 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of Capital One.
I attempted to close my escrow account with the company this Summer.  They informed me that I had to wait for 1 year after closing to close my escrow account. I had made all of my mortgage payments to date on time and in full and owned more than 20 % of my home. That was not a term or condition in my deed of trust or any other document in my closing package. My loan was not originated by Wells Fargo when my loan was sold to Wells Fargo, they company you enforced a policy that they did n't inform me of and that I did n't agree to. That seems like a deceptive business practice to me. Wells Fargo kept my money only so they could collect the interest on my escrow account. I feel that this practice can cause harm to consumers. In my particular situation I had to wait until XXXX to close my account and now their internal process will take a number of weeks to issue my escrow refund. At this point I will likely need to take money out of pocket to pay my property taxes as the refund will not be issued. Wells Fargo forced me to comply with a policy that was n't documented or agreed to in my loan contract. I contacted the bank a number of times to seek correction but to no avail. As a result I had to remember to call them on the anniversary of my loan origination to request my money to be returned to me. In my opinion, this should be added to the list of the many things that Wells Fargo is doing that are not in the best interests of their consumers. Yet another deceptive practice used by them to build revenue off their consumers without their consent.
I XXXX am filing this complaint because, Experian has ignored my request to provided me with the proper documents that their company has on file that was used to verify the account on Public Record I disputed.Being that they have gone past the 30 day time period and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!