WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have XXXX private student loans through Wells Fargo, both in good standing, for an approximate total of {$28000.00} -- each is cosigned by an individual, one with an approximate 12 % interest rate and the other with an approximate 3 % interest rate. Having graduated from graduate school in late 2015 and nearing the end of my graduation grace period, I sought a Student Loan Consolidation from Wells Fargo for these XXXX loans. Based on my current circumstances -- XXXX FICO score ( depending upon the formula employed ), immaculate credit history, ~ $ XXXX/hour employment and climbing, an XXXX degree, in my late XXXX, and have minimal non-student loan consumer debt in good standing -- I saw no reason why Wells Fargo could n't consolidate my XXXX loans, which they already own and have owned for years, with them into XXXX without a cosigner. 

They refused. 

After multiple telephone conversations, they produced excuses that referenced my credit history and income-to-debt ratio. I explained that my credit history is blemish-free and they diverted the conversation to the income-to-debt issue. When I asked what they included in this ratio, they claimed privileged/proprietary formulas that they would not disclose, except to say that I held " too much '' debt. After I pushed even further, it seems that they are strangely including these loans with Wells Fargo as part of the income-to-debt ratio, as well as my federal student loans. They also are including my entire monthly rent, but refuse to consider that I am only responsible for roughly half, since I am married, and further refused to consider household income unless my wife was a cosigner. When I demanded an explanatory letter detailing the explicit reasons for this rejection using concrete information, instead of generalizations, the letter I received was nothing more than standard corporate generalspeak to hide what had actually happened or their reasons for their behavior. 

This is infuriating. 

Wells Fargo will not consolidate loans that I already have with them without a cosigner, which should be unnecessary in my current circumstances, and are including information in this calculation that is both misleading and inappropriate. As a consumer without any bad debt, who has the credit history and score that I do, and reliable employment, there is simply no reason for them to treat me as such, particularly since I 'm not even asking for new loans. Moreover, since the federal government loaned me money to go to graduate school, without a cosigner, and will consolidate these loans without a cosigner, I do n't understand why private banks are allowed to treat American students with such disdain and disregard. 

CFPB needs to investigate my issue, in particular, but the overall private student loan industry, as well. Student loan debt in the United States is a very large and serious issue made worse by predatory, abusive, and despicable practices by private banks. My current situation is a perfect example.
We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid
Nationstar mortgage is in violation of breach of contract. Both the note and deed of trust states no acceleration
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thou
I went to use one of my Capital one visa card and the transaction was denied. I had a second different branded capital one credit card. I then tried to use this card. It was also decline by Capital one. I then called capital one to see what the problem was and was told my credit card accounts were closed today. I asked them why and I got a vague answer and they said they could not give me any other information. I have always made my payments on time and there are no problems with my account. It appears that Capital one is Capital one offers a rewards program that is like a bait and close program. You get a high percentage for rewards but after a period of time if they see they will not make a profit on the account by looking at your buying patterns they close the account. Probably an illegal practice. The right federal agency has n't taken notice of this practice yet, but they should. What if some one was traveling thing their Capital one account was in good stand and Capital one closed the account as they did mine with no notice. They would be stranded. Consumers should all be treated equally fair. Capital one does not do this ands is running a scam on the consumer.
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major  credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.
We are asking for your help! My husband and I recently purchased our first home in XX/XX/XXXX. Our servicing companies have changed several times but currently transferred to LoanCare LLC in XX/XX/2016. We made our initial XX/XX/XXXX payment to Loancare, but our XX/XX/XXXX payment was returned due to NSF, ( the payment took up to 5 days to clear the bank so other auto-pay transactions caused payment to be returned ). When we realized the XX/XX/XXXX payment was not successful, a double payment was made by phone to the institution to cover XX/XX/XXXX and XX/XX/XXXX 's payment ( payment in the amount of {$2300.00} which cleared the bank on XX/XX/XXXX ). A few weeks later, I receive a letter stating my XX/XX/XXXX 's payment is still outstanding. I contacted Loancare LLC, only to speak to several representatives that could barely provide a general account of what happened on our loan. I was inform that the NSF payment caused the issue and only one payment posted. I informed the rep, that if I made a payment to cover two payments how can a portion of the payment apply to XX/XX/XXXX 's installment and XX/XX/XXXX 's payment is unaccounted for? The rep could not explain this and only informed the one payment processed. Needless to say, this has been going on for over two weeks now. They have asked for several screenshots, transaction/bank statements. Each time we send, they request something else. The documentation from our banking institution showing the payment CLEARED and STILL no resolve! Each time we speak to someone, we get the same story, " the cashiering department is working to resolve your request, contact us back tomorrow. '' This company is so incompetent and has no real system in place to assist customers to resolve escalated issues. We have to get out of character just to escalate the call to a supervisor ( which they never call you back )! I have read so many horrible stories about this company with the BBB as well as other consumer review sites. We as consumers are at the mercy of the lenders and have zero input on who our servicing rights are sold to. I am just saddened that we had to end up with LoanCare LLC.
To whom thi s may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (   XXXX   XXXX   TransUnion )  are neglecting to verify the accounts properly to determine which ones are duplicates or   original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
I have been looking for a mortgage and have multiple inquiries, many within the 45 day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for 2 years until they are charged off. Please make them clean up my hard inquiries.
Searching for original loan agreement, unable to reach correct department at Bank of New York Mellon, this Bank is Trustee/holder of XXXX XXXX Trust. This Bank should have copy of note.
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. However, Equifax just placed a fraud alert on my account that I didnt authorized as well. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit  Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, my XXXX credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.
I completed an online mortgage application ( jointly, for myself and my spouse ). Two days later, I noticed that both my and my wife 's XXXX credit scores had dropped by over XXXX points. I expect a slight drop after a hard inquiry, but nothing close to XXXX points! When I investigated, I learned that AimLoan had made XXXX separate hard inquiries one day apart - once on XX/XX/XXXX and once on XX/XX/XXXX. There was no change in the scores reported on the XX/XX/XXXX and XX/XX/XXXX reports they received ; however, immediately following the second inquiry, our XXXX scores were dramatically hit. When I initially asked AimLoan why XXXX separate inquiries were made, several representatives told me that it should only count as one inquiry and that I should " not overreact '' to a " slight drop '' in my credit score. Unsatisfied with that answer, I continued questioning AimLoan representatives further. I then learned that they first ran our credit scores individually. Then, when they realized their error ( that the initial paperwork was for a JOINT mortgage ), they ran us a second time jointly the following day. I spoke with a XXXX representative and they stated that AimLoan could call them directly to have XXXX of the XXXX inquiries removed and correct our credit scores. To date, I have asked AimLoan representatives multiple times to call XXXX and they have refused. Even though they have assured us multiple times that their inquiries should only count as XXXX hard inquiry, they are unwilling to call XXXX to ensure that result. The loan is still in process, and given the company 's lack of concern and unwillingness to make a simple phone call to correct their duplicated hard inquiries, we are beginning to feel like they 're trying to prevent us from shopping around/getting a competitive rate with this significant hit to our credit scores. I 've talked to XXXX different AimLoan representatives and attempted to work through their Complaint Department and have made no progress. No one will explain to me WHY they wo n't call XXXX to have this simple error corrected.
We receive calls from this business for months. They do not leave any message, or reason for calling. Finally I called them by using caller ID. They are looking for someone I do not know, and they are a collection agency. 

I pay all my bills promptly, and do not deserve to be harassed for someone else 's debts. 

The collection industry is XXXX I have avoided for XXXX years. I do not want to hear from any of them ever. They are ruining my mornings. 

Why are they allowed to do that? The Do Not Call rules appear to give them permission. How come?
I called Ally auto and inquiry about their ally grant program which is for individuals with low income. They did not tell me anything about the grant but other options. I wanted to find out why the grant organization did not tell me about the grant.
I have been contacted by " XXXX Collections '' on XXXX occasions within the past 2 weeks regarding a debt that is owed by someone named " XXXX '', who I do not know. I have told this company XXXX already that I do n't know anyone named " XXXX '' and to stop calling me about " XXXX '' debt. The phone number for " XXXX Collections '' is XXXX.
Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.
Our Mortgage was sold to Green Tree Servicing in XX/XX/XXXX in the process at the time we was in chapter XXXX and I talk to someone at Green Tree and I ask them once we become discharged can they refinance my home because our APR is 10.50 and she said they will see well we was discharged in XX/XX/XXXX so we had some hardship my husband lost his job XX/XX/XXXX they gave me a deferment but the problem with that was my husband is a truck driver and the weather was bad last winter when he found another job so I had pay things by myself so I get tired of Green Tree sending people to the house trying collect a house payment so XXXX XXXX I talk to XXXX XXXX at XXXX XXXX XXXX and she talk to Green Tree trying get our house payment modified but they said they could n't do it because our home is XXXX XXXX XXXX and they do n't do government loans and we had to do in house get our home modified and the lady we need talk too is XXXX at XXXX EXT XXXX for modification and she the only person that can handle I call this lady about XXXX times a week and leave message but she do n't return no calls so I spoke to someone at green tree and the answer they gave me is keep trying because she the only person that can handle my loan please look into this for me because it do n't showed on my credit that I do own a house my account representative is XXXX XXXX at XXXX ext. XXXX account number is XXXX and I be talking to her so I ask for another deferment to catch our payments up and her manager did n't approved it they tried place me on payment plan to pay XXXX for XXXX months I ca n't afford that my payment a month now is XXXX the reason why they did n't approved it because we not facing any hardship and they hate waste a deferment when we do n't need it
Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me thank you.
I looked at my statement and noticed that the beginning balance is $ XXXX less than the current balance. I called MOHELA to find out why and they said it was due to my forbearances. After 30 minutes of math on the phone we found out that for each month 's forbearance, they are capitalizing 2 months of interest. Not good. This might be a broader problem than just a problem for me, but it is costing me $ XXXX because they are capitalizing double the interest on my account and the accounts of others.
I opened a secure credit card with Capital One credit 6 months ago. This required a security deposit of {$200.00}, which was fine. I was under the impression that at some point my credit score would improve and I'd qualify for a regular unsecured card and I would receive my deposit back. 

Upon calling Capital One to find out when I will get my deposit back, I was informed I would have to close my account to get my deposit back. This is an unfair practice as the closing of this account would negatively affect my credit score. So essencially I have to leave my deposit with them indefinately or close the account and suffer the consequences of a negative score.
When current on primary residence mortgage, Seterus will refuse to accept payments.We have been constantly harassed with foreclosure on a Mortgage that has Remained current.We have contacted XXXX XXXX on Multiple Occasions to bring to their attention they claim there is nothing they can do.It takes literally Hours to make a signal payment.I would guess this is why XXXX XXXX is about to fail Again with in a couple of years time.
This company had an outside agency which did not disclose there name or number call me and my husband which is not on my loan or a reference leaving threatening messages on both of our voicemails stating they will find me I cant hide they have my SS # and they will find me so I called them and set up a payment arrangement that is for more than what I originally took the loan out for which I already paid I was making the payments and missed one and the lady called leaving the same threatening messages.