WillisBack/dataset-financial-user-claim huggingface dataset:
I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. 
One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with.

How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred.

Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates.

So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.
My XX/XX/XXXX statement showed a closing balance of {$100.00} on this account. When I ACH transferred that {$100.00} out to another bank, the transfer was refused by Peoples United Bank. Subsequently I received a statement from them showing a {$12.00} Service Charge which reduced the account balance to {$88.00}.
This account has been in existence for decades, from long before Peoples Bank took over the local bank. There has never been a monthly service charge before, and there has never been any information received from the bank about the implementation of such a charge.
I wrote the bank regarding this ( see attached ) but have only received a notice from them indicating that the account has been charged another {$37.00} fee for the overdraft. It instructs me to cover the overdraft as soon as possible and to sign up for overdraft protection.
Because of their reversal of the {$100.00} ACH transfer, the account still has funds in it and there is no overdraft to cover.
I am filing this complaint because the bank was not authorized to levy a {$12.00} Service Charge in the first place, and that the fees they and another bank have levied are all due to their improper application of the {$12.00} fee.
The bank to which I made the ACH transfer has also charged me {$25.00} because Peoples reversed the ACH transfer claiming insufficient funds.
I want your help in having 1 ) Peoples rescind the two fees ( {$12.00} & {$37.00} ) and to reimburse me the {$25.00} fee levied by the other bank. I request that they send me a check for the {$100.00} that was in the account plus the {$25.00} fee from the other bank.
On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.
I have faxed and uploaded the letters to their web page that says for them to deleted the information they still have not removed the information. I have attached the letters I received and sent this information to Transunion also several times. 
1. XXXX / both should be deleted 2. XXXX / should be deleted
On XX/XX/2018 my husband and I went to our local BB & T branch to make a withdrawal. We told the teller we want {$200.00}. She gives me one cashier 's check to sign and she gives us our {$200.00} and a receipt that is not printed on but has the teller 's hand written receipt for our balance. When the mobile website was restored after the outage they had on Thursday, I saw we were charged two times for {$200.00}. This is not the first time this bank has made an error like this this is the third time. When I make a mistake they charge me ridiculous fees that devastate my family but when they make a mistake they suffer no consequences. I tried calling customer service but after 50 minutes on hold I hung up. I do not have time for that. BB & T needs to refund my account immediately. I did not authorize two withdraws for {$200.00}.
XXXX XXXX from Receivables Performance Management called about a " financial matter. '' They would not tell me what it was about until I verified my zip code. I refused. He was using my maiden name ( I've been married for 12 years ) and my current residential address. 

I told him to send a certified letter if this matter is truly " verifiable ''. He gave me his address as XXXX. XXXX XXXX XXXX WA XXXX. And a contact phone number of XXXX. 

They have also called XXXX repeatedly ( 3 times on XX/XX/XXXX, 2 times on XX/XX/XXXX ) They have called XXXX repeatedly ( Over 20 times in the past two weeks ). 

I have received no mail regarding this matter.
I am very concerned that I was scammed by cornerstone legal LLC! 
They will return my emails or phone calls and I 'm now getting sued by credit card companies!!
I have spent countless hours on the phone, and emails, and tweets, and no one can seem to help me - I just get " sorry, we don't know, we'll let you know if anything changes '' - I am out of ideas, so I am trying the CFPB. I pay $ XXXX/year fee for my Sapphire Reserve card. This allows me a 1.5x redeem multiplier on travel. I have nearly XXXX points I wished to use for travel in XX/XX/XXXX ( ~ {$3000.00} in travel rewards ). I try to be very cordial on the phone, but I am at my wits end. This is easily the worst customer support situation I have ever encountered in my life. I have attached a detailed summary of interactions with dates/times/events which I have been compiling in the zip file, it is titled events.txt
I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with Experian on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Sunset Finance has a marketing scheme to lure customers with financial hardships into getting excessively high interest rates on loans they otherwise would not and can not afford. This is hitting HOME with me, I am noticing a few of my friends and family are getting random letters from Sunset with loan checks enclosed for $ XXXX+. By depositing this check, the unsuspecting customers fall prey to going DEEPER in debt by paying double amount of the check based off Sunsets high interest rates when the customers are already suffering from financial hardship.
I have a XXXX XXXX XXXX store credit card offered by Comenity. I signed up for the card as it offers a 10 % " reward dollar '' for purchases. The way the program is structured, it requires new charges to the credit card or forfeiture of reward dollars anytime the reward is used. This is not disclosed on the credit card application, nor are XXXX XXXX XXXX associates well versed in how the program operates, leading to unfair and deceptive marketing practices. 

The incident that led me to understand how this program is not as advertised occurred on XXXX XXXX, XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I had previously purchased and paid for more than {$600.00} in merchandise from XXXX XXXX XXXX in the prior billing cycle. This earned me {$60.00} in reward dollars. I purchased approximately {$30.00} in items with these rewards, expecting the remaining {$30.00} would be available for future use. Immediately following the completion of the transaction, the cashier informed me that the remaining {$30.00} balance was forfeited as I did not have a transaction of at least {$60.00} when I redeemed my reward dollars. I asked to void the transaction as I did not want to forfeit the reward dollars, but was told that was impossible. I spoke with the store XXXX, who contacted Cometity on my behalf to see if the remaining {$30.00} in rewards could be reissued, but was denied. In my conversation with the manager and cashier, I was informed that if I had a purchase in excess of {$60.00}, the only way I could use the reward was to charge any remaining balance on the XXXX XXXX XXXX credit card. This locks the consumer into the potential for a small balance and a new billing cycle, increasingly the likelihood that the consumer is late, incurring a late fee or triggering additional interest income for Cometity, should the account have a revolving balance. 

Surprised at the details for the reward program, I picked up a application on the counter. No where in the in storm information, or in the application, did the detail related to the limitations for the reward program exist. 

I am an educated consumer, who reads these disclosures, but I was not able to receive an accurate understanding regarding the rewards program based upon the materials provided.
My account was closed because someone stole my checkbook and tried to deposit the checks into my account. Wells Fargo closed my account after I called in telling them that I did not do this. 

They told me I would be able to open another account after the account was fully closed. I have since been denied to open another account. 

I was told i am ineligible until further notice.
I have sent letters directly to Experian certified mail stating that information on my credit profile needs to be verified or deleted from my profile. They have failed to verify the info and still continues to report.
I HAD PRE-APPROVED INVITATION TO THEIR XXXX CREDIT CARD. THE ACCOUNT WAS OPEN ON XX/XX/XXXX. I MADE ALL PAYMENT ON TIME EVERY TIME. THEY REQUEST CONFERENCE CALL WITH THE XXXX XXXX. I HAVE REQUESTED TO SEND ELECTRONIC DEPOSITS TO MY ACCOUNT AND I WILL VERIFIED THOSE DEPOSIT BUT THEY DENIED AND WANT TO VIOLATE MY PRIVACY IN REGARDS MY BANKING. I HAVE SAVING AND CHECKING ACCOUNT WITH XXXX XXXX AND THEY STILL PLACING RESTRICTION ON MY CREDIT CARD ACCOUNT ENDING # XXXX  WHICH SHOWING ON MY CREDIT REPORT AS CREDIT LINE OF {$500.00} IT 'S BEEN OVER A YEAR AND THEY STILL AS OF TODAY XX/XX/XXXX DENIED TO REMOVE THE RESTRICTION.
I WANT THEM AS CAPITAL ONE CONSUMER TO THEIR BANK TO REMOVE THE RESTRICTION IMMEDIATELY OR PLACED TWO VERIFICATION DEPOSIT TO MY XXXX XXXX ACCOUNT AND I WILL VERIFIED THOSE DEPOSITS FOR SECURITY PURPOSES BUT I DO NOT WANT THEM ON CONFERENCE CALL WITH THE BANK.
I have Navient and got the loans for school but I became injured and am now  XXXX , I kept putting the loan into deferment. I Recently lost my husband in  may  of this year and ca n't afford to pay  it.I  a living month to month.I have sent in letters and they just keep sending bills.I just can not afford it.
I have a student loan thru Navient I have been paying on the loans but over the years instead of the loan amount decreasing they have been increasing.
I purchased a beach front condo on XXXX XXXX XXXX XXXX XXXX of XXXX. Replacement of Beach Front property in Florida is less than the value of the property. To replace the Condo building with six units is around 900k, my  interior would be XXXX to replace. However the ACV value of the property for a beach front condo is XXXX. I put over 50 % down and financed through XXXX. We closed on the property and XXXX sold the loan to Dovenmuehle Mort Inc. We had problem from the start which is another story since they are very hard to contact anyone with authority. The real issue now is the condo association carries the flood insurance on the unit which was underwritten and agreed when purchased with XXXX. Since Dovenmuehle purchased the loan they have been demanding I buy additional flood insurance to protect their interest, IE pay off coverage. At first they bought a policy for the balance of the loan from a Carrier called XXXX for XXXX but the Carrier cancelled coverage within one day. I am sure they recognized with a replacement cost policy on the building this was a moral hazard by the finance co. The company continues to harass me to buy a flood policy when I have already provided proof the condo carries the insurance of which my association dues partly pay.I just got a letter today, dated XXXX XXXX XXXX that they again purchased a policy for their interest and may pass the cost onto me. My HO 6 policy for replacement of the interior is would only be XXXX, when I spoke with them a month ago they wanted me to buy a policy for over 100k, that conversation took place by phone with a rep and manager. When I asked to speak to the department head I was advised she does not take phone calls. Insurance does n't work that way but they do n't seem to understand. I never chose to do business with this outfit, now they are reunderwriting the loan. Pretty sure I would have backed out of it Dovenmuehle Mortgage was the lender.
Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller.
Hi I just became a XXXX resident and obtained my social security number XX/XX/XXXX. I have been having such a hard time everywhere with my credit because it shows I have cars and other items since XX/XX/XXXX. This information is not correct is not me and I already went to the social security office and they said only my name is under that social security number. what else can I do? I ordering a credit report and they tell me no because my personal information does n't match my social security number. But I have all proofs is mine.
I received an electronic transaction for the amount of {$200.00} yesterday XXXX/XXXX/XXXX, at XXXX pm. I called the costumer service number for chase bank at XXXX, making sure that the transaction was successful and was told 'yes '. I called to make sure because I knew that had I an automatic payment for a credit card. Now the bank says that the money was not available and they charge me an insufficient fee of {$34.00}. They do n't want to refund me that money after a bank representative said that the funds were available.
Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.
I was contacted by Gragil Associates about a medical debt, and I sent a request for validation in accordance with XXXX. Validation of debts [ 15 USC 1692g ]. and they received that letter on XXXX/XXXX/15. I received another collection letter without any reply to my dispute.
My wife and I brought a time-share in Florida in XX/XX/XXXX and we paid {$9000.00} cash for it. My wife die in XX/XX/XXXX so it was left to me, than I was behind on my fee so I sent XXXX XXXX {$700.00} check to catch up on my fee. I call them and told them to Lease my time-share so it will pay for my condo fee, but it never happen.I don't owe Conrad Credit Corporation one penny. I have't been on vacation seen my wife dead. I pray this matter will be over soon.
While checking my XXXX credit report. I discovered that a collection has been placed on my file for {$1900.00}. I personally contacted collection agency IC SYSTEM, XXXX XXXX, XXXX XXXX, MN XXXX, disputed the validity of the debt and requested under Fair Debt Collection Act ( 15 USC 1692g ), and requested that the Company provide me with any signed contract as well as billing invoices of the said unpaid bill within allowed time under the law. Upon belief and information, this account does not belong to me and/or may be as direct result of ID THEFT.It`s paramount that an investigation be conducted to determine the validity of the account. 
IC SYSTEM deliberately ignored my requests and has continued to proceed to collect on an unlawful debt without just cause, and as a direct result has caused me serious economic hardship and inability to secure employment or housing and/or obtain credit.
Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.
XXXX XXXX XXXX is failing to provide me with monthly statements of my account. They claim that because I'm " fulfilling my monthly obligations '' ( making my payments on time ) that they do not provide billing statements. 

About a month ago I asked that they provide me with a statement each month regardless of account status. I also made sure that they have the correct contact information. 

It is critical that I receive monthly statements. I've been paying extra each month and I need to be able to make sure that the payments are being applied correctly. 

I've asked for copies of the past three months of statements, and they told me that they are unable to give me these documents.
I received a paystub from Wells Fargo, for money owed to me. Paystub states check date of XX/XX/2018, for deposit to my checking account. It was not direct deposited. I called payroll, who told me to call another department. After 7 calls, an outside vendor confirmed that the money was disbursed to Wells Fargo for further payment to me and sent me back to payroll to find out why it was not deposited. Payroll sent me back through the same calls. I do not have my money. Previously, another complaint about Wells Fargo. They paid me, then sent a dunning letter, telling me they had overpaid me and demanded the funds back. I don't know if this is similar situation where they tell me it is my money and then take it back.
A few weeks ago, I started to receive letters from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ut XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a TJXRewardsMasterCard that was applied for and immediately a purchase of {$140.00} was charged on it at TJX on XX/XX/XXXX, on the same day and at the same time. 
The first week of XX/XX/XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit TJX Master card. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted TJ Maxx on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX in XXXX FL to send requests to get my so-called application of XX/XX/XXXX. I also contacted XXXX XXXX today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from XXXX XXXX today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.
We have tried applying for loan modifications. The lender is not communicating and just giving us the run around. We submitted a lot of documents as supporting documents but they will not give us explanation to why its not going through. My husband has XXXX XXXX since 2012.He is still working and under medical supervision and we continue to work in our business. It is best for us to to keep our house and willing to work with the lender. My XXXX year old mom who has XXXX and XXXX brother. Selling will put us in worst situation. Please help us we just want to try to keep our house.
66 months ago, I consolidated my undergraduate and graduate loans with the specific purpose of qualifying for the Public Service Loan Forgiveness Program ( I'm a public XXXX XXXX  ) .I was told by my lender that all repayment plans beyond 10 years qualified for the program and I was told the 25 year level plan would qualify me. They placed me in that plan based on that phone conversation. Now I am halfway through the 120 required payments and I'm told my repayment plan doesn't qualify and there is nothing Navient can do about this. I followed my loan servicer 's recommendations to qualify and was misdirected. Now I'm told I must switch plans and pay another 120 payments. I hope I qualify then.