WillisBack/dataset-financial-user-claim huggingface dataset:
My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.
I opened a XXXX XXXX checking account with BMO Harris bank online on XXXX/XXXX/XXXX under its promotion - " Earn a {$200.00} bonus after XXXX qualifying direct deposits of at least {$300.00} or more within 90 days of account opening. '' I have long met the terms of this promotion given I set up a recurring weekly payroll direct deposit of {$300.00} into this account since account opening XXXX first payroll direct deposit came in on XXXX/XXXX/XXXX, and it has been coming in on a weekly basis ). Today, I reached out to the bank 's customer service department through its online message center to inquire why I had n't received the bonus, and I was informed that because I 'm " living out of our footprint you do not qualify for the promotion. '' However, this geographical limitation was never part of the original terms.
XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.
Although I no longer have access to this account, However, the customer service staff at Care Credit gave me the following information. 

I purchased XXXX XXXX from my XXXX ' office, XXXX XXXX XXXX on XX/XX/XXXX, for XXXX. I made generous payments so my balance as of XX/XX/XXXX was XXXX. 

This XX/XX/XXXX- I noticed on my credit report we received from our mortgage company ( much more in-depth ) that there was another charge on the same CareCredit for XXXX. 

I did not make this charge and would like to know where the money was sent. It did not go to my XXXX  's office. I only made this one purchase on this card. The irony is it was paid off in XX/XX/XXXX. 

If you call fraud at CareCredit they say they only have statements 6 months back. If you call customer service who does have access to XX/XX/XXXXthey say you have to call Fraud. Therefore, no one can tell me where the money went. It appears my card was used as a cash advance that I can not understand. And I believe it was my husband XXXX XXXX who did this. I tried to access my CareCredit account online and there was a username saved on the login site that was not mine. It was XXXX. That looks like a social security number. There was no saved PW so I could not log in. Therefore, it would be my IP address which is scary. I would like to know who or what banks made the payments for this second {$4200.00} fraudulent charge ( 1st criminal to pay it back ) and what bank or business received the money? I can not get an answer and need to know who is using my cards and for what purpose.
I admit. I made a late payment to Ford Motor Credit for XXXX and XX/XX/2017. I paid in full though the amount owed plus the late payment penalties and have had my account in good standing since. Ford Motor Credit reported these late payments to the credit bureau and I have no way to contact anyone with Ford Motor Credit to come to a resolution. I can only write a letter. No one contacted me Ford Motor Credit to make me aware of the report either.

Also. One reason for the Second late Payment was, I paid online for the XXXX late payment and it was scheduled and so therefore I would have to cancel it to make the XXXX payment. 
The reason for the late payment was due to a personal issue during which time I had to make some tough financial decisions. I overcame those issues to get my account current only to have Ford Motor Credit give reports on late payments on an account that is current 8 months later. 
Now I am trying to get a mortgage on a home and Ford Motor Credits dated faulty report is hurting especially with XXXX and I have no one to contact with FMC to resolve the issue.
I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles. 

Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!! 

SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. 

If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.
I contacted XXXX, XXXX, and TransUnion concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of XXXX items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, XXXX, and TransUnion are in violation of my rights under this law.
I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. 
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? 
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. 
In view of the above, please let me know how to proceed further so as to get refinance. 
Expecting your valuable advise soonSincereXXXX XXXX
I have XXXX accounts on my credit report that are being reported XXXX under my negative items. These are student loans that were all reported by sallie XXXX XXXX XXXX. XXXX XXXX assigned these loans to XXXX. XXXX XXXX and they too reported the same loans in XX/XX/XXXX. The loans have same origination date same late dates and same dollar amount but they appear as XXXX identical entities just wish h slightly differencing loan company names. I understand it has to be reported but I also understand that it should n't be duplicated. I have tried disputing it but if the investigation asks both companies they will give u info each of them of th same loan but XXXX!!! That does n't seem like fair reporting
I have sent Equifax XXXX separate letters regarding a collection account that is on my credit report. The collection agency has sent me a letter stating that the balance is {$0.00}. Equifax has a responsibility to the consumer to maintain accuracy and they have failed to do so. I 'm simply asking Equifax to remove this collection for it 's inaccuracies. Pursuant to the FCRA if there are any inaccurate holes with a collection agency 's reporting then the account has to be deleted. Please assist.
I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions.     Recovery company number which suntrust had call me  XXXX  (  XXXX  )  XXXX
Bank of America bought out my mortgage from countrywide. While XXXX to XXXX I got behind and bank of America allowed me to do a 5 year loan modification program at 3 % and stated as long as I made all payments and stayed up on my payments at the end of 5 years I could then do another loan modifaction/refinance at a similar rate. At the end of 5 years and not missing any payments and fulfilling all obligations bank of America refused to refinance and assigned my loan a 9.5 % interest rate. Sometime during the 5 years bank of America quit doing loans on my type of home which is partially a manufactured home with additional wood construction. I was not given any options or choice, bank of America refuses to refinance leaving me stuck with an obscene interest rate. So even though I was told that if I full fill all of my obligations in the terms of the 5 year refinance I would be able to refinance at a competitive rate. This refusal was not because of anything I did but because bank of America decided they no longer finance this type of home. I have made numerous phone calls to bank of America and every time I am told there is nothing they can do.
Inquiries were removed due to disputing them and then put back on my report without my knowledge.
On XX/XX/XXXX we signed our loan modification with nationstar Mortgage now Mr. Cooper under the Making home affordable program, since this loan modification was signed we never missed a payment neither make a late payment. 
On the loan modification agreement that we signed section XXXX. stated that we ( nationstar mortgage ) will defer XXXX of our outstanding principal. Provided we are not in default on the new payments such that the equivalent of three full months. 
The deferred will be on installments basis on each of the first, second and third anniversaries of XX/XX/XXXX, equal one third of XXXX which is XXXX e : g ( XX/XX/XXXX XX/XX/XXXX = XXXX should be defer. XX/XX/XXXX XXXX = XXXX should be defer. XX/XX/XXXX XX/XX/XXXX = XXXX and again we have never missed a payment. 
Last year they defer XXXX for the period of XX/XX/XXXX XX/XX/XXXX and at the end of the year they send us a XXXX ( cancellation of debt ) which we use to filed our taxes. 
This year meaning for period XX/XX/XXXX XX/XX/XXXX nation mortgage refused to send out the XXXX up till now I have not receive it yet I have called and called they keep given me different story and this is the only proof that we can get that this debt has been canceled as is stated on the agreements and we need this documents to do our taxes
I graduated from XXXX XXXX in 2007 with over XXXX in Federal/Private loans through XXXX XXXX. Since 2007 I have been taking advantage of every opportunity to lower my payments and defer most of them ( to this day I still cant afford to start on the federal loans ) I am at a tipping point, every month it gets harder and harder for me to keep up with my loan payments and in XXXX my lower rate plan will end and my student loans will rise. I am panicking as I do n't know how I will afford them. Had I know at anytime during my time at XXXX XXXX that my loans would be this much I would not have attended this school. It seemed every-time I met with financial aid to re-sign those loan papers my estimated repayment was always around XXXXmonth, not the actual XXXX or higher/month that it really is.
Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
I purchased a 2017 XXXX from XXXX XXXX in XXXX, I had already been pre approved by an institution I've had a car loan with previously, the process went way into the late hours of XX/XX/XXXX into the early hours of the XXXX. There were 3 or more contracts drawn due to mistakes. There were a few things represented to me about the vehicle that just are not true, and I contacted the sales guy a day or two after about the transmission, but when I got a statement 3 days before due to a ALLY financial, the payment was 200 dollars higher, and on top of that they only allowed XXXX for my trade in which books for 5-6 thousand XXXX XXXX XXXX, I contacted them, made the 1st payment and demanded this be corrected, and that this is not the contract that I had agreed to. ( my name was not signed the way I sign it on this contract, the amounts were wrong, and my wishes to not have any hard inquiries, and use the creditor of my choice were ignored, along with the wrong address on the contract which is why one of them needed re written after I pointed it out to the finance guy ) they have harassed me and also harassed a family member by phone, telling them about my debt. I was advised that I signed the contract and I have no other choice but to pay this ridiculous amount, so I filed a dispute with XXXX, and sent them ( ALLY ) a validation demand via certified mail. They continued harassing, ignored my demand, and even repossessed the vehicle, this violates my consumer rights which I stated on their recorded phone lines at which reserving my rights, particularly ucc 1-308, and Ill pay the amount I agreed to, but I will not accept this misrepresented contract, I also contacted the dealership, and was hung up on after asking for a manager. My name is copyrighted so they have also defamed my name through false reporting to the credit bureaus. Please help me get this straight.
This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. 
I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.
This involves a Chase Advantage ( checking ) account. It's like a credit card, but used by checks only. The account was under my husband 's name only ( contractually person ), I as his spouse was " authorized user ''. My husband passed away XXXX XXXX, XXXX. I went to Chase Bank with Death Certificate and they " refused '' to write account off ( no explanation as why the refusal ). I was " forced '' to change account to my name, so I did. At time of death the balance was {$3600.00}. I faithfully paid on account, but XXXX, XXXX I paid account off as it was unusable since XX/XX/XXXX ( Chase no longer honored this type account ). I paid {$1900.00} ( with a no interest credit card till XXXX ) + {$10.00} interest billed in XXXX. I read an article in XXXX bulletin about Death & Debt and it stated that an " authorized user '' may not be responsible for debt balance due at death. So, I wrote a letter to Chase requesting that they please consider paying me back what was owed at time of my husband 's death, and gave it to Branch Manager on XX/XX/XXXX, and I HAVE NOT HAD ONE RESPONSE TO MY LETTER which is really very frustrating. I may be a XXXX year old widow, but that's not an excuse to completely ignore my request. I have consulted an Attorney and he was the one who gave me this information about your Website. I will forward the letter that I wrote to Chase as it has lots of detail in it. I hope this information is helpful to start process.
I had a credit card with XXXX and was unable to pay it due to lack of work. Was going to try and work something out but they quickly sent it to debt collectors. Took me to court without me even knowing about it. From there they somehow got a lien put in my name or a judgement that is keeping me from getting any type of loan and has destroyed my credit.