WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX appears to have intentionally destroyed my credit as well as the coborrower on the account. They offered me an extension, deferment on my account and clearly stated multiple times this will not report derogatorily as the account will be brought to current. I paid {$390.00} for this deferment and followed up with XXXX XXXX multiple times to make sure deferment cleared. Each time I was informed by representative that were back logged but no worries it will be processed and will not affect your credit. Five days later my credit score as well as coborrower 's score decreased by 60 points. I have called XXXX multiple times and their reps always say it will be corrected carelessly. It still hadn't been corrected. Please help.
I have been trying to get Ocwen to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of 2013. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them 2 payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears.

They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report.

When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute.

They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show 32 lates because the one payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
I 'm an online college student and I receive financial aid in which I chose to receive it via direct deposit through rushcard. I just recently found out about the glitch in the rush card system. I was expecting to receive my financial aid today however, I see no pending deposits. I called rushcard customer service but when I was transferred to a representative It said my call could not be completed. I never had this problem before and I always get my funds directed to rushcard with no problem.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( XXXX : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Experian : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX  XXXX XXXX XXXX ( Experian XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX )
Equifax data was improperly stored in an unsafe manner that made it possible for 143 million people to have been impacted by a data breach. I was informed, by Equifax, that my data was impacted in this breach.
A few years ago I tried a small business and wanted to process credit cards. I signed up thru XXXX XXXX and First Data. They sent me a machine which did not work from day one. I called them and they said they would send me another machine for {$40.00} more dollars. I refused. After months of trying to get this worked out I finally got an email from them telling me to return the machine and the nightmare would be over. I followed their instructions and have the postal receipt. Since then I have been harassed by First Data for lease rental fees ( after I was told the whole mess was resolved ). I did not hear from them for many months and today I received another call, not stating who they were after I specifically asked them who was calling, telling me I owed money to First Data. I replied " I do n't owe them anything ''. The person on the phone told me in a menacing tone, " Check your credit ''. I went online and there are hundreds of complaints against First Data. They are a mega corporation so I 'm sure they feel untouchable. I have been an honest guy my whole life and they threaten my credit when they completely failed me as a consumer. It 's a shame and I expect my government to stop them from destroying good people credit. It 's been years but I still kept the email where they told me to return the faulty machine and that I was done with First Data. Please stop First Data and make sure they did not ruin the credit I rating I earned my whole life ( my rating was about XXXX ). Thanks. XXXX XXXX
Northern alliance group called saying they were going to notify employer. They wouldnt tell me what loan was for ( amount ) and who it was from. Just what I could pay to take of it. They just wanted me to make arrangements for payment, not interested in sending me information on so called loan. Nor would they give their address and original amount of loan
On Thursday XXXX XXXX I entered a Chase branch @ XXXX XXXX XXXX New York, XXXX XXXX to make a withdraw from my checking account due a an employer account issue that impeded with a direct deposit not been issued at that date.At which time XXXX checked his terminal and stated that I would qualify for a credit card offer I did stated to him that I had a bankruptcy case XX/XX/XXXX. He still proceded to go ahead with the application. He got the result of my application and stated that I will get a letter in 7-10 days.i received the letter XX/XX/XXXX account declined credit due to Bankurupcy in credit report.THIS IS THE THIRD TIME IN AS MANY YEARS I FELL FOR CHASE HIGH PITCH SELLS TACTICS. I been a Chase Direct deposit ( payroll ) for well over five years.
Multiple Issues. Last week I received a call that appeared to sound like it came from an autodialer. My phone is a cell phone. When I asked the representative, she kept skirting around the issue and I asked to cease and desist. 

I received another call and right away the person asked for me and provided my full name, date of birth and last XXXX of my social. Nothing was confirmed by me who I was and I asked who she was. She stated her name was XXXX XXXX. I asked if she was calling on her own or on the behalf of a company. She stated she was calling from Account Control Technology on a personal business matter which is well known to be a collection call. I asked to have my number removed.
These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.
In a previous complaint, XXXX against XXXX XXXX XXXX, I presented the fact that Wells Fargo does not own the loan for my house. It is XXXX XXXX who owns the loan, and thus -is the only one who has standing to participate in foreclosure proceedings. 

According to the XXXX XXXX website, my loan dates from XX/XX/XXXX. 

California has rules for loans made between XX/XX/XXXX and XX/XX/XXXX on Residential XXXX to XXXX Unit-Owner Occupied Properties. My house at XXXX XXXX XXXX fits all these requirements. Loan made in XX/XX/XXXX, XXXX unit and owner occupied. 

Under Cal.Civ. Code sec.2923.5 ( a ) the lender must contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure .During the conversation, the lender must inform the borrower of the right to meet with the lender within 14 days. The lender must also give the borrower the toll-free number for finding a HUD-certified housing counseling agency. 

The owner of my loan XXXX XXXX is the lender. XXXX XXXX has never even spoken to me. XXXX XXXX has not fulfilled any of the requirements of section 2923.5 ( a ). 

In the XX/XX/XXXX case, XXXX v. XXXX XXXX, the court held that the borrower is entitled to relief to postpone a foreclosure sale if the lender does not comply with this law. 

I received a letter from Wells Fargo dated XX/XX/XXXX. It states, " We 're writing to let you know that your mortgage is currently in foreclosure. '' The letter makes NO mention of the loan 's owner and lender, XXXX XXXX. 

How can :1. My loan be currently in foreclosure when Wells Fargo is not the owner of the loan, and not the lender? 
2. My loan be currently in foreclosure when XXXX XXXX, the owner of the loan and the lender, has not complied with sec. 2923.5 ( a )?
I am submitting this complaint about XXXX  credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. 
The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. 
The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. 
The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX
I am trying to pay off my last Auto Loan payment through Citizens bank. Since this past XXXX i have been trying to log on to their website, like i have done for the last 4 years to make a final payment, and i keep getting a message saying there is " no billing account associated with this profile ''. Which is preventing me to pay off my loan since i do n't have access to any statements. I used the " Contact us '' link and called the number and its fully automated and all i get after entering my account info is to " refer back to your last statement '' So i went to a local Citizens Branch and they told me that branches ca n't process auto loans, but they did look up my account and tell me it was still active. 

So i have been trying every number of Citizens Bank i could to try and get this resolved and i have yet to speak to someone.
I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!!
Simon Agency put a collection on my credit report without giving me a chance to validate debt. I did n't get a chance to see if it is mine.
I have been asking for help for years now and WFHM seems to fail to provide an honest review of my file. There is robo signers including notary robosigners, from the trustee to WFHM, there are over charges including late fees, home inspections, escrow fees that add up to XXXX dollars when I pay only XXXX for property taxes, there are over charges of interest payments hidden in the lump sum of the total interest payment due, the default amount included principal payments again increasing the default amount to almost XXXX when my original loan was XXXX. 

My home when I refinance it to my name was appraised at XXXX by XXXX XXXX and my home was owned by my family since the XXXX 's. My family is a hard working immigrant family that their dream of having a home made them work 6 days per week over 12 hours per day. it is unfair that today, I have to be part of the greed of a lender that has no end to their fraudulent activity. 

I have sent the lender copies of the wrongful calculations on the loan modifications and the investor 's guidelines as well as assurance agreement for the pick a payment loans. I have offer to pay the default amount in a repayment plan. I offered in XXXX when I recently had defaulted XXXX to partially cure a debt of XXXX and I ask the lender to add the rest to the principal, they refused to assist me back in XXXX and instead I was put on a non ending loan modification process. 

My house was sold XXXX XXXX, XXXX. The foreclosure laws for non-judicial were not followed, the XXXX XXXX XXXX was ignored and instead the WELLS FARGO HOME MORTGAGE AND THE TRUSTEE DECIDED TO SKIP THE INTERVIEW TO ASSESS MY FINANCES and decided to skip the recording of a new NOTICE OF DEFAULT. instead the trustee decided to use the NOD RECORDED ON XXXX XXXX, XXXX back in XXXX, wfhm decided to skip the interview that was under THE CALIFORNIA LAWS and recorded the NOD UNDER PENALTY OF Perjury. 
skipping steps to shorten the time to foreclose and denying a loan modification when I knew I qualify and can afford my payments is not right. 

THE STORIES FROM WELLS FARGO BANK HAVE NOT ENDED TO THIS DAY AND WE HAVE NOBODY TO GO TO FOR HELP. THIS PUTS MANY OF US IN DEFAULT WITHOUT ANY TYPE OF SAFEGUARD FROM WELLS FARGO AND THE TRUSTEE ARE NOT OBEYING THE LAW I NEED YOUR HELP TO GET MY HOUSE BACK.
Every XXXX and XXXX of the month I am paid via paper check from my employer. It is the same check drawn off of XXXX XXXX XXXX. Wells Fargo always places a hold on my check and tells me that {$200.00} will be available on the day for example ( XX/XX/XXXX or XX/XX/XXXX ) but when the clock changes to XXXX that is technically the next day. The funds are not being made available on the exact date but hours later after their " processing times '' I have told them multiple times about the issue and nothing is being done. The bank always successfully collects the funds from the account that it 's drawn off of. The bank has NEVER received a returned deposit item from me and yet they continue to place a hold on my paycheck. They claim that the " system '' is putting the hold on it but not them. No other employee at my company has this issue and the funds are always available I know because I am the XXXX. I can show proof at all times that funds are available in the account that its drawn off of but they still place a hold on my funds, receive the funds from XXXX XXXX XXXX and still have a hold on it. This is unacceptable and something needs to be done. I have reported this to their executive offices and local branches with no resolution.
In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given
Account was paid and closed but remains on my Experian credit report. Even after I requested for the items to be removed, the items remain and are damaging to my credit report.
I have been trying to get a signature on a consent of mortgagee form by the lender AmeriSave Mortgage Corporation. I have been trying to get this document signed and returned to me since the end of XXXX. I have received no return of this document. This needs to be signed and returned so our condo association can continue it's business. I do not know if they have the document or if it has been tossed out. I have sent this to 4 different addresses. All addresses with in AmeriSave.
We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.
Roughly 3 months ago I set up our Kohl 's " credit '' card ( I believe they claim to be something else for legal purposes ) for automatic payment on their website. Over the last 3 days my wife has received a call a day from a computer claiming to be Kohl 's and insisting that she enter part of her social security number. This of course is the *definition* of a fraudulent call, compounded by the fact that Kohl 's POS systems were very recently broken into and information stolen. When my wife called to alert them to these robocalls, it turns out that these calls were to notify us that our card was past due, with a {$25.00} fee etc. After bullying my way through customer service ( after the XXXXline in XXXX told me that the XXXX line would refuse to take my call ), the late fee was scrubbed, the balance paid off, and the account closed permanently. 

My complaint is twofold : 1 ) Their autopay system silently failed to operate, and while talking with customer " service '' I found that the website shows no hint of autopay even existing. The agent claimed that if the account is in arrears it wo n't allow changes to autopay, but that 's very different from the autopay being completely scrubbed from the site. 
2 ) Their automated phone system requires the customer to enter part of their social security number over an unsecured channel. This " standard practice '' of theirs is the worst possible method, as it sounds like a fraudulent call. I strongly suspect they actually *want* it to sound like fraud so people will ignore it and end up with even more late fees. The industry-standard method is to tell the customer to call back at a given number, or best case tell the customer to " call the number on the back of your card '' because a fraudulent call can just as easily give a fraudulent call-back number. 

The account in question is permanently closed ( I have had more trouble with this XXXX card than with the sum of all other cards I 've ever had ), but their practices live on and they give no indication that they are willing to correct them. " Passing your concerns along '' is the polite way of saying " stuff it '', thus my formal complaint with an entity that may have some power to actually do something about it.
I feel like I have been scammed by XXXX/XXXX XXXX XXXX with a second mortgage that I took out of on my home. I closed on a loan in XX/XX/XXXX for {$90000.00} with an interest rate of 9.875 for a 15 year term. Subsequently, XXXX XXXX XXXX sold the loan to Mr Cooper. My current balance after 12 year is approx {$79000.00}. I examined this balance a bit more closely because I was expecting to have paid off much more after 12 years. I then projected forward to XX/XX/XXXX which is 3 years away and it then dawned on me that there is no way that I will pay off the loan at the maturity date. I called a customer representative at Mr Cooper to explain to me why the balance has not gone down after so many years. Then she explains to what the loan is " ballon '' and goes on to explain that after my payment terms are completed in XX/XX/XXXX that I will have a balance that will be due at maturity. At the rate which the principal is being paid. I project that i will have over {$65000.00} due immediately. She then went on to tell me that if I can not pay the balance at maturity date that my home could go into Foreclosure. After completely understanding my predicamemt. I can not explain how much a scam this is. I went to a reputable bank to get a loan expecting that I will be treated fairly and trusted the process. After 12 years I am finding out how bad this product is and feel so defrauded by a reputable bank
I had an auto loan with Hyundai. The car was deemed a total loss after an accident. GAP insurance was used and the car was paid off in full. Hyundai is reporting to the credit bureaus that it was charged off as well as delinquent payments following the accident.