WillisBack/dataset-financial-user-claim huggingface dataset:
My investment property was foreclosed on almost 6 years ago - XXXX XXXX, 2010 - and the foreclosure deed with land court has yet to be filed. This foreclosure was a direct result of the whole mortgage debacle and land court has rejected the deed I 've been told. This is continuing to adversely affect my credit since it takes 7 years from the filing of the foreclosure deed for someone 's credit to clear - and after almost 6 years nothing has been done due to the lenders incompetence.
My wife XXXX XXXX is on XXXX and receving Social Security benifits from XXXX. I XXXX XXXX got laid off from my work on XXXX. I recived my Unemployment benfits for 6mo that run out on XX/XX/XXXX. We told our bank WELLS FARGO to help us modified our loan ( espicially bringing the interest rate down from 4.25 % to the current interest rate ) sothat we can save few hundred dollars from our mortage payment which was {$1300.00}. Instead the mortage payment from XX/XX/XXXX went up to {$1400.00}. We gave all tha paperwork the bank requested back in XX/XX/XXXX but they denied our request to modificiation. They say the want to home owners who are struggling to make payments, either by modification or any other possiable way they can help, I dont see any of that happing with us. Please look deeply into this matter and hopefully help us with the whole situation. 

Sincerly, XXXX XXXX XXXX
I signed up for a 30 day trial for Equifax Credit Monitoring online for {$4.00}. I did this online. When I tried to cancel online within the 30 day period, there was no discernible way to cancel on their website. The only option was to email them through their " Customer Service '' links. I sent an email with my information using their online form. They failed to cancel and charged me {$19.00} following the 30 day period. I called Equifax to ask for a refund and they refused saying that the only way to cancel is to call them on the phone. They said this was to protect me, but obviously, all of my confidential information is on their website and the only reason to require a call is to make it more difficult to cancel. When I complained that I did cancel online through their own process, they refused to acknowledge this and refused to refund my money. They make it very easy to sign up online, but very difficult to cancel the same way.
I tried to open checking account with XXXX and was denied based on information provided by " Early Warning Services , LLC ''. Information, I believe was inacurrate.
I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments. 
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!
The vehicle was purchased with an extended warranty that should have covered the drive train. I reported an issue the the transmission and they said the issue was out of the scope of the warranty. This problem later led to mechanical failure of the vehicle. I informed them that I was not going to continue to pay for the vehicle but it was useless unless they would warranty the damage, they refused therefore I surendered the car back to them and it has since affected my credit negatively
i wrote a goodwill letter to Honda financial in XX/XX/XXXX in regards to my old XX/XX/XXXX Honda account showing up on my credit report and needing to be removed. I spoke with a representative who advised me he would have my late payments removed from the account. Instead what he did was changed the days late and did not remove any payments. I then spoke with Honda again because my second lease was ending. I was told by that rep that if i stayed in the Honda family my oldest XX/XX/XXXX account would be removed. When i went to the new dealership they said Honda refused to remove the old account and actually wanted to charge me HIGHER for a new vehicle if i stayed with them. when i called again they transferred me to a different woman who said to write another letter and dispute it with the credit reporting agency.
EXPERIAN/XXXX/XXXX : THEY ARE REPORTING WRONG INFORMATION ON MY CREDIT REPORT!!! I PAID OFF A CAR LOAN XX/XX/XXXX AND THEY ARE STILL SHOWING IT. THE ARE SHOWING A B OF A LINE OF CREDIT STILL OPEN - I PAID IT OFF AND CLOSED IT 4 YEARS AGO. THEY PUT THAT I WAS 30 DAYS LATE XX/XX/XXXX AND THE ACCOUNT HAS BE CLOSED. I WAS JUST TURNED DOWN ON A NEW LOAN WITH MY OWN PERSONAL BANK BECAUSE OF THESE ITEMS AND MY CREDIT WAS XXXX POINTS SHY OF XXXX WHICH IS THE SCORE I NEEDED!!!! I AM GOING TO HIRE ATTORNEY-WORST CUSTOMER SERVICE EVER!!!!
XX/XX/XXXX I received a letter from XXXX County informing that my property taxes were overdue. I contacted Freedom immediately to inform them of this situation and then emailed a copy of the original bill and overdue bill with interest. Since this was a Saturday, I followed up with Freedom during the work week to ensure information was received. I was informed that your tax department has 30 days to take care of this matter completion date of XX/XX/XXXX. 

XX/XX/XXXX I received a letter from XXXX County informing me of a collection notice. I contacted Freedom and informed by ID : XXXX legal action would be taken on Freedom Mortgage, not myself. I was reassured Freedom was the responsible party and the county would not take action against me and that payment would be submitted by XX/XX/XXXX. 

XX/XX/XXXX I contacted the XXXX County who informed me civil action has been taken against me and they have contacted my employer to garnish my wages. I spent over 2 hours on the phone with Freedom Mortgage attempting to get this resolved ( throughout the course of 4 phone calls ). I also had to take the morning off to go to the county tax office. I informed Freedom at XXXX eastern the severity of the situation and that I was now being financially punished for their failure to pay my property tax bill. I was assured it would be handled and paid by XXXX eastern. At XXXX I followed up still no payment. I was escalated ( above general supervisors ) to ID : XXXX and told she would be escalating to her supervisor and I would receive a callback at XXXX on XX/XX/XXXX. 

XX/XX/XXXX I reached out to Freedom at XXXX after not receiving a call-back and payment has yet to be handled. I am yet again being escalated above the supervisor level and awaiting a callback from supervisor of ID : XXXX, no known ID but her name is XXXX.
Following advice that it is now possible to put a freeze on my credit report with all credit reporting companies, I tried to do this with Experian on XX/XX/2018, but although I gave them all the information they needed and checked it for completeness and accuracy, they are putting me through hoops by refusing to comply and requesting that I send them any amount of additional information through the mail. I thought putting a freeze on credit reports was now supposed to be easy.
I recently applied for an American Express Blue Cash Everyday Card and requested a balance transfer of {$4000.00}. The terms of the balance transfer were 0 % interest for 12 months ( my expiration is XX/XX/XXXX ) and 3 % balance transfer fee ( {$120.00} for my requested transaction ). The balance transfer request was made on XX/XX/XXXX, yet the request was not approved until XX/XX/XXXX and processed until XX/XX/XXXX. In the meantime, I was charged {$52.00} interest from the original credit card company while I waited for the transaction to be approved and processed. When the balance was transferred to XXXX, the balance was transferred into an interest-incurring sub-account and I was charged {$41.00} on my first account statement. I called XXXX to remedy this issue and was told it would be corrected quickly. I had to call two more times over the next week to get resolution. The account was credited on XX/XX/XXXX ; however, since I had made purchases and payments on the account, XXXX moved {$2700.00} of the {$4000.00} balance transfer to the 0 % interest sub-account, essentially applying payments for my purchases to the balance transfer while leaving the purchases ( which are charged at a rate of 16.99 % ) available to have interest charges applied. The payments I made to the card exceeded the new purchases I made on the account. I called XXXX again twice since the XX/XX/XXXX adjustments and I have hit a brick wall. While the customer service team is polite, they do not have a solution to this issue provided in their script. I have not been able to speak with a supervisor nor locate an internal customer complaint format. In my frustration over this situation, I did some research and located several message boards where numerous people had the exact same complaint. As an Internal Auditor for a financial services company, I see this as a systemic issue and I see XXXX heading for a " XXXX XXXX '' -esque compliance and regulatory nightmare. The company MUST be aware of the issue, yet has not taken the necessary steps to remediate.
On XX/XX/2018, at approx XXXX CT, I spoke with a Chase Card services Supervisor at their telephone center. This individual advised me that a new promotion would be running for the Sapphire program starting XX/XX/2018. On XX/XX/2018, at approximately XXXX CT, I spoke with another Chase Card service supervisor named XXXX. I advised her of the previous information as well as the previous CFPB complaint in regards to Chase failing to honor their written promotions. XXXX advised she checked their internal info and showed NO promotions and was unsure where the previous Supervisor would have gotten her information. I then asked XXXX for the previous supervisors name to include in this CFPB complaint and she declined. XXXX also declined to provide any other information that could Identify the Supervisor I spoke with on XX/XX/2018, for the purpose of this report. XXXX was advised of a secondary CFPB complaint being filed for misleading information. See previously related CFPB Complaint # XXXX.
this debt originated from XXXX XXXX XXXX in XXXX XXXX was told this group was " in network ''. Not true. I was initially billed a {$600.00} deductible, which I paid. In XXXX I noticed on a credit report that Paragon Revenue Group had placed a collection for {$3500.00}. I tracked it down to XXXX. After calling several times I was told the reason I owed this bill was because they FAILED to file the insurance claim!! I have battled Paragon for 13 years now. If I call or write to dispute it, they renew the claim. Or did. Now, it 's on auto-renew. I have no account number as it 's so old it 's out of their billing system ( they admitted this in XXXX ) and Paragon 's billing system. XXXX removed this debt twice ; XXXX and last year as there is no way to formally pay what I do n't owe due to their error. I 'm extremely frustrated that it has continued to ruin my credit.And I have no means to correct it. You 're basically my last hope. Any questions? call me or write. Respectfully, XXXX XXXX XXXX
I refinanced an existing mortgage with my original lender, Stearns Lending on XX/XX/XXXX. The original mortage had an escrow insurance requirement ; however, the refinanced mortgage did not. As expected, I made principal and interest payments payments for the remainder of XX/XX/XXXX on my refinanced mortgage. Beginning on XX/XX/XXXX Stearns Lending began requiring escrow insurance on my monthly statements even though I already prepaid my homeownwers insurance for XX/XX/XXXX. After months of phone calls ( 12 calls ) to Stearns Lending to correct their mistake they finally acknowledged their oversight yet they still have not corrected their monthly statements.
Hi i inquired about school loan consolidation with this company called earnest. the form was online and I did not know that they were going to check my credit they just said i can find out about lowering my rates on my loans. later i saw they did a hard inquiry on the credit file. The inquiry is on   XXXX   from  XXXX   XXXX ,    2017  ..I sent them a certified mail requesting them to remove it and they would not. I also talked to someone by phone at their company who also said they would not remove it although they had no evidence that i approved this inquiry. So now I am contacting you for help since they will not do anything about this.
XXXX college mislead me, i was supposed to earn a " complete " diploma upon completion of the XXXX XXXX course, however after completing the course with XXXX XXXX i heard from multiple employers that i needed to take additional courses to obtain a XXXX XXXX position. Unfortunately i encounters around 18,000 of debt from the XXXX course. And immediately after completing i became unemployed for months and months i never received advice or options for repaying the loan during my time unemployed i was only offered forbearance agreements which lead me directly to collections and I am so lost.
About three yrs. ago, my husband was notified re : stolen credit cards and identity theft. The people who stole his cards spent over {$12000.00} with his cards. Everyone except Wells Fargo immediately refunded our money back to our card balances. Wells Fargo kept over {$4200.00} of our money and refused to refund our HARD-EARNED MONEY. XXXX, XXXX XXXX, XXXX and XXXX refunded back to us nearly {$8000.00} by doing the right and honorable thing. How can these MONSTER-MEGA BANKS steal money away like that and get away with it? Someone needs to go to prison for this! Please help!
This company is continually harassing me by calling me six to seven times every day. I do not wish to communicate with them and has written them letters on two different occasions to this.
I had a vehicle financed with CNAC ( JD Byrider ), I requested that they pick up my vehicle in XXXX 2013 around the XX/XX/XXXX. They did n't come to pick up the vehicle until about three weeks later.
After calling Transunion on XXXX XXXX and speaking to a U.S. Rep in regards to the following inquires XXXX  XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX -- -- - Inquiry from XX/XX/XXXX XXXX XXXX  XXXX -- -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XX/XX/XXXX XXXX XXXX -- -- -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XXXX XXXX XXXX XXXX -- -- Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX I inform the woman that I did n't authorize these inquiries and she stated they will be deleted.I checked this morning and I still have those inquiries on my credit report. These inquiries are really having a negative impact on my credit as I 've been trying to clean this up for months. It take a few minutes for someone to key in my information but this company take me through XXXX to remove something that they easily allowed to happen.
I leased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The lease was set up through XXXX XXXX. XXXX XXXX continues to incorrectly bill me each month. I have contacted XXXX XXXX myself with no success. I went to the dealership to enlist their help. We have had numerous ( too many to count ) phone conversations, emails and such with them trying to resolve this. I have been told multiple times that the issue is resolved, only to get my bill the next month with incorrect fees again. This all started when XXXX XXXX tried to charge me sales tax on the rebates that were part of the transaction. Those fees were paid to the dealer by me and to the State of Wisconsin by the dealer at lease inception. The dealership had to explain to XXXX XXXX   how leases get taxed. XXXX XXXX should know this!!!!!! The lease tax issue finally got corrected in late XX/XX/XXXX, over a year and a half into the lease. XXXX XXXX has and continues to assess late fees, past due fees and such when I never should have been billed for them in the first place. I am very concerned about the effect this has had on my credit. I am unsure if they are reporting late payments on my bureau or not. The dealership and I have continually asked for something in writing from someone to prove that this has been resolved. I have never received anything. The customer service at XXXX XXXX is beyond poor. My experience has been extremely frustrating. No one seems to care. It is not my job to correct their mistake. It is also not the job of the dealership to tell a financial institution how to bill correctly. The dealership staff has also put in countless hours trying to resolve this for me. I should have been billed {$86.00} per month from the start. If they knew what they were doing, this whole situation never would have happened. This has consumed enormous amounts of my time and has put undo stress upon me and my family. I want something in writing from XXXX XXXX that states that they have corrected my account once and for all. I also want something in writing from them guaranteeing that they have not reported any late payments to the credit bureau. I have attached payment statements, my original lease contract, emails to XXXX XXXX  and a list of people involved. I also think i should be compensated for this. I am over two years into my lease and XXXX XXXX still can not figure out how to bill this. I have already filed 2 complaints with the Wisconsin XXXX XXXX XXXX XXXX.
I have been in review with my lender for XXXX 7 months for a modification. They have been requesting documents and I have been sending them and they have postponed the sale dates every thirty days. They requested documents ( bank statements ) which I sent last month and despite confirming that the sale date would be postponed they went forward with the sale today. They confirmed last night that they would postpone and today they changed their tune. This is unfair as I complied with their last request, they failed to provide me with ANY options to foreclosure and they completely lied and now have foreclosed on my property.
Experian is continuing to report 4 accounts on my report as closed that I requested validation for and never received.
Today, I went to CITIbank at XXXX XXXX XXXX. XXXX XXXX, CA XXXX to make a payment on my CITIbank master card. I gave the teller a {$100.00} bill and told her I wanted to make a payment on my card. She informed that the bank has a new rule that requires me to provide my social security number, my driver 's license and my occupation to make a cash payment. I asked if that was a bank policy or a new federal policy as I pay in cash each month and have never been asked for that information. The teller did not have an answer for me. It has been my understanding that a SS # is to be used for tax payer identification purposes only. I did provide the information requested to avoid a late payment but am very concerned about this new practice. I understand that transactions over {$10000.00} must be reported but my {$100.00} payment was n't near that threshold. In summary, is it legal to require this from an American citizen to make a cash payment? If so, can other institutions and business require the same ID? This is a very alarming policy and seems to be overly invasive.
I am an XXXX XXXX XXXX service member that has been taken advantage of by multiple mortgage companies which have serviced my loan. I originally got this loan with the XXXX XXXX in XX/XX/XXXX while stationed in XXXX XXXX. Country Wide informed me that I could n't use my VA loan benefit because I had used it before, therefore I had to use a conventional loan and required to put down 10 % which I did not knowing any better. During the housing crisis Country Wide sold my loan to XXXX XXXX XXXX and at this time, due to finical reasons I applied to the HARP program thru XXXX XXXX XXXX and was granted a fixed lower interest rate of 2 % that was what I understood I had asked on multiple occasions and XXXX XXXX XXXX confirmed my payment was now {$850.00} for the duration of the loan. I was notified one day that my loan had been sold to Seturus, my current mortgage company and continued to pay {$850.00} for approximately 5 years on time, all the time. I recently received a noticed a few months ago that my interest had been raised to 3 %, I was upset the new amount is now {$910.00}. I am still XXXX XXXX XXXX and was under the understanding the Sailors and Soldier 's Act of XX/XX/XXXX prevented companies from unexpectedly raised interest on XXXX XXXX members while still in active status. I called and got nowhere with them, and decided to pay the new amount of {$910.00}. To my surprise I must have offended someone I guest because, my balance after that phone call was increased by {$53000.00} yes that 's XXXX. I have now idea what 's going on my interest rate is now 3 % and I owe XXXX up from XXXX just a month ago. I called and that 's what their system shows all of a sudden. Please help I have attached statements to prove what I am saying. Thank you
After Not being able to pay my bills due to employment termination i contacted discover several times. To make them aware that i am no longer working and i needed minimum payments they never responded. in the past they sent me {$100.00} to pay towards my discover bill which was kind of them however now i am working full time on XX/XX/XXXX i made my first payment of {$410.00} to catch up on my payments, On XX/XX/XXXX i made my second payment of {$140.00} and i noticed nothing changed as far as my available credit. i made a payment of {$25.00} on XX/XX/XXXX and another payment of {$110.00} on XX/XX/XXXX. and still my credit line keeps decreasing. so i called discover and the young lady told me that my credit line keeps decreasing because i am being charged interest. i explained to her that makes no sense because i am pretty much paying my bill to pay interest and she said yes that is correct. i explained to her i do not have this issue on any of my credit cards and she asked was there a balance and i stated yes there is a balance and i do not get charged interest. even when paying my bill with you all in the past there has been no interest charges of this significance. and that this must be some type of scam. she was not able to provide me with any information and this is absurd. i know credit cards have fees but not of this significance. and they offer no solution to help you. i am being charged {$110.00} for interest and my minimum balance due is XXXX what a way to scam a customer and then she tells me that is how we make our money.