WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a debt collection harrassment complaint against Home Depot - Citi. Case number : XXXX. They responded with a demand notice for payment. I went to pay that debt today the due date, even though XXXX days late. When I entered their site, I had to go to a credit center, then select the card I wanted to pay. It was very difficult to figure out what sign in to enter. I was registering for a Home Depot on line account when I realized it was no the correct place. In small print at the bottom of the form was - are you trying to pay a credit card, click here ... It was very deceptive and an attempt to gather my information for unecessary reasons. When I finally got into my account, I clicked on Make a Payment. The form took me to an update contact form. It required my home phone number, which is a cell, and I did not want to give it. I provided a work number instead. I removed my cell. On Save, it said, sorry we are unable to process this. I did this XXXX times, and it would not let me make a payment. I finally clicked on another menu item - Account Profile. In this form, it let me edit my information, and it did not require a phone number. They had also put my cell number in my home number field, which I did not do. I removed both, neither were required to save the form. After saving it, I clicked on Make a Payment, and it finally let me make a payment. The required phone number on the first request was deceptive, abusive, and their form did not let me make a payment. This kind of service is abusive, confusing, deceptive, unrealistic to consumers. Citi should be fined and forced to stop using these tactics they can not support customers. They harrassed me with XXXX calls a day every hour and then their stupid system would not let me make a payment. This kind of treatment HURTS the Home Depot brand. I 'm pretty sure this tactic was a abusive response to my creating a complaint earlier, which is AGAINST THE LAW to take action or treat me different on my account just because I submitted a complaint. They can not treat me any different based on race, etc. or if a complaint is issued against them. This is abusive and against the law and Citi should be held responsible for this unlawful and abusive tactic, just as they should be held responsible for the abusive and repeated calls.
I receive calls from Diversified Consultants five to six times a day almost every day of the week. I have requested that they discontinue all calls as a result on several occasions but they just increased after the conversation.
The name XXXX XXXX has been added to my account. I have never been married. I have always been a XXXX. My daughter 's last name is XXXX but I have never been. This needs to be removed. Thank you.
This complaint is more information for the one I mailed with submission number XXXX. I am attaching proof that my old employer, XXXX, paid the balance on the corporate card. The account is closed and has no balance. This was a corporate expense and does not belong on my personal credit report. Citi should remove it.
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
Equifax continues to report a collection account from  XXXX   XXXX   XXXX   XXXX  in the amount of {$35.00}. I have contacted  XXXX   XXXX   XXXX   XXXX  and resolved the account directly with them as documented by the attached proof of payment. I subsequently disputed the account with Equifax, however, Equifax continues to report the account with a balance.
Had my mortgage XXXX then I guess CHASE took over my mortgage got delayed with house payment because my payment seems to be going up every time, anyways I then Filed for a chapter XXXX in XXXX and had completed it XXXX my concern is how much of that payment I made tru my chapter XXXX was applied to my mortgage???? Looks like I paid more but less was applied to my mortgage ... .hope you could help..
there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and Transunion never to remove it.
A flight purchased through XXXX on XX/XX/17 was cancelled on XX/XX/2017 ( non-operational ) and I was promised a refund by XXXX ( flight was through XXXX XXXX ). I have the email from XXXX to prove this ( see attached ) XXXX never followed through with the refund ( 2 tickets at the price of XXXX ) so I filed a dispute with Capital One. Capital One initially credited my account for those flights and SEVERAL months later I receive a transaction REBILL on my credit card statement because XXXX disputed this saying I owed for it. 

XXXX disputed my request for refund even though the flight was cancelled. Capital One asked for proof which I sent ( email AND itinerary print out of my XXXX account showing it was cancelled ) and they closed the claim on me stating that I am past the statue of limitations with my claim. They sent a letter to me initially asking for more information in writing which I never got ( I had called due to the rebill on my online account ). Capital One said they would review my info even though it is past the date they requested it is received by. Then they refused everything I sent in. I want my money back.
After being in deferment for quite awhile, because of trying to pay off my wife 's student loans, I have started the process of trying to stay up on payments to Navient. I was on the Income Based Repayment plan and at one point was paying XXXX when they were still XXXX. Since transferring over to Navient I went into deferment again, for a year. I am currently trying to get back on a payment plan but my IBR payment is an unmanageable XXXX+ dollars. I then had to search for a another payment plan ( which seemed very difficult to find ) called the Income sensitive plan. I submitted paperwork that they seemed to drop the ball on and when I called later about the paperwork, they quickly told me that if I made any kind of a payment that day then I would automatically be enrolled in the ISB plan. I gave my information over the phone and seemed to get disconnected. They never called back and never took out the money. There was no phone call back and as a result I kept getting notices about my late payments under the XXXX+ IBR plan. I called them back to see what had happened ( about a week and a half later ) and they could n't remember my paperwork until I told them the dates it was submitted. They then told me that the person I spoke to who told me to pay any amount of money so I could get in was mistaken and that I would have to make a full payment of my original loan payment amount ( which is XXXX+ ) dollars and that I would automatically be enrolled in the ISB repayment plan that day. I told them that I could n't make the payment that day and would try to get that money together. If I ca n't make a XXXX+ payment then I know I ca n't make a XXXX+ payment without severely crippling my monthly income. I have XXXX daughters ( XXXX in college ) and it just seems that there can be something else done that 's easier and does n't require a huge down payment. It was n't that difficult to get into a payment plan before.
Three years ago I was contacted by phone by an online payday loan company. I was told I had made a {$700.00} online loan which had been deposited into a XXXX XXXX account. I told them I did n't borrow money nor did I have an account at XXXX XXXX. I contacted the Federal Trade Commission who took a complaint and told me it was best not to engage callers. 
The " collectors '' called me several times over the next year, each call from a different company saying I owed more and more. I assumed they were selling my name to the next con artist. But in the last year one company has consistently called me threatening to take me to court. I told them that I welcomed a court date so they could prove this debt I did n't make. They then began sending bills for {$6700.00}, and periodically calling. 
The other day I called my mortgage bank to get info on a refi and was told there was a {$6700.00}. collection on all XXXX credit reports. 
The Company is XXXX XXXX XXXX. 
I have n't tried to contact these people, because it 's not my debt and they do n't want to hear that. They just want you to pay anything they can get. I have contacted XXXX and disputed the debt, I was told I should hear something with in 30 days. They have ruined my credit rating and may potential cost me in higher interest rates.
I have been trying to change payment dates with Lending club for several months. I took out a personal loan in XX/XX/XXXX. I made on time direct deposit payments. I started a new job in a new state in XX/XX/XXXX and that move threw off both my pay dates and I winded up changing my bank account out of necessity which caused my direct payments to be off. I have called and sent a letter by certified mail ( XX/XX/XXXX ) to address this issue. They have refused to compromise in any way while reporting 30 days late SIX times since XX/XX/XXXX. 
Late payments XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late I have made payments each month trying to get back on track but I ca n't unless they make a payment arrangement to change the payment date. Now I am unable to get a new loan from someone else to erase the 30+ % interest rate that I didnt know that I had and start over and I cant start over with Lending Club . I dont know what else to do. Please help.
Multiple times this company has threatened to sue me/file a lawsuit against me for an amount that is far greater than what I owe. Coerced me into giving them my debit card information ( because I was repeatedly told they need to have it on file otherwise the suit would take place regardless ) and repeatedly used offensive language. While on the line with them I was repeatedly yelled at/talked over and told I was wrong. Offered to make payment arrangements with them and this is when I was told they needed my debit card information. I gave it because at that point I was extremely frustrated with the rude and offensive " legal department '' rep on the other line. 
Claimed they sent out an e-mail to me ( which is NOT a legal document ) and then proceeded to withdraw money out of my account WITHOUT my permission to do so. 
Called my bank, had the transaction reversed and blocked the debit card number. 
Called the company back and was yelled at once again that it 's not their fault that I have buyers remorse, they 're going to get their money regardless. 
I informed I am filing a complaint with the XXXX and with the FDCPA as well. 
They kept claiming they would pull up " recorded calls '' and would then sue me and I said fine. 
I understand recorded calls, seeing as I work for a company where every call made is recorded. These will benefit my case because you will hear the manner in which these reps speak to customers and how they repeatedly treat them with disrespect. 
Was then hung up on when I told them my plan. 
Have filed complaint with XXXX and am now filing a complaint with you.
On XX/XX/XXXX, I discovered that GM Financial had been re-inserted into my XXXX  credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance gm has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
I received a call on XXXX/XXXX/XXXX from SRG legal outsourcing representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by XXXX via SRG. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company SRG. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
On XXXX XXXX I took out a FHA mortgage loan, National City Bank was also the mortgagor ... I got separated from my husband, I then filed bankruptcy In the Untied States Bankruptcy Court case XXXX. The mortgage was discharged but forgot to cancel payments from my bank accounts. PNC continue to take payments totaling {$96000.00}. PNC BANK NATIONAL, filed a foreclosure action case No. XXXX CH XXXX on my home not allowing a face to face meeting prior to filing the foreclosure, not qualifying me for a modification or giving me credit for the monthly payments that were sent after the bankruptcy was filed. PNC has violated my rights committed fraud on the court. I am currently in Illinois Appellate Court case XXXX. XXXX. I am trying to keep my family and myself from being dis-placed and homeless. The attorneys continue to create false documents, and refuse to return my money after the bankruptcy was filed. I should at least be able to qualify for a modification according to the XXXX guidelines.
i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees
XX/XX/2018 received a call from Navient that my student loans were in default : I explained that my student loans were in deferment. Navient stated as of two days before XX/XX/2018, it came across their desk that it was turned over to them in default. I explained that I haven't received anything stating my loans were no longer in deferment : Navient stated loans were in default and interest has been accruing and demand I pay something. Navient also stated the amount was {$250000.00} which is incorrect because one letter states I owe XXXX. Navient also contacted my children for my information. I also just received a letter stating my wages will be garnished by the IRS. They are not even trying to work with me to find out why my loans, all of sudden are in default and why are the amounts incorrect with added massive fees. I also checked the student loan databases and Navient has added these incorrect amounts to my student loans which are very confusing. That is not the amount I owe after I left school.
I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/XXXX
On XX/XX/XXXX stayed at extended stay hotel for 1 night. Went with girlfriend I had buisness so slept then went to first job the went to second for rest of night. Checked in around XXXX XXXX  left around XXXX XXXX  never came back. Girlfriend stayed allegedly had party cops were called. The next day I get text from bank on XX/XX/XXXX that XXXX was deducted from account it was the hotel saying that a whole was in the wall and somebody smoked in the room so I call hotel manager was very disrespectful just said there was damage and I said from what he said you know and belittled me hung up on me tried to call again he hung up tried to call corporate after over an hour on hold I gave up contacting them. Didnt get receipt until XXXX from motel. Told bank to stop payment on charge filed complaint got denied learned that the charge was credit since I didnt furnish pin so ask for chargeback bank is now dragging there feet. Wont give me credit until investigation is complete.
We have a mortgage being serviced by ditech. After the escrow review, there was a shortage found and we were asked to pay it up front or have our payments go up. The document stated if the shortage was paid by XXXX/XXXX/2016 our payments would be {$2700.00}. If not they would go up to {$2700.00}. We paid the shortage of {$1000.00} which was applied to the account on XXXX/XXXX/16. But the statement sent to us is demanding {$2700.00}, the amount for not paying the shortage up front. I 've called the customer services department and they claim it was applied to the wrong place and they say I still have to pay the extra amount and said it would come off my next statement. But their own billing statement shows the {$1000.00} applied to the escrow. They still increased the payments as if we did not pay the shortage in full. In essence, they are trying to steal {$48.00} from us each month. In this process, they have also suddenly changed my account number, which will be given in a later step.
Since the beginning of my lease, they have been applying payments incorrectly so every month my late fees were getting further and further behind. Now they are saying i owe all of that because the system they were putting my additional payments towards the base rent instead of applying those payments to any additional charges they were charging. 

Started lease payments in XX/XX/XXXX. In year XXXX I made 8 payments and including additional charges for taxes and late fees. So total of 5 late fees in that year which i already paid. Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

For payments in XXXX, Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

My statements shows i am past due payments totaling in over XXXX dollars every month when my lease payment is XXXX a month. Most of those months i paid XXXX or XXXX or XXXX higher to pay off late fees they keep on assessing. Every time they did not apply those late fees to any of my late fees. 

They will not correct the issue, and say i am still behind payments, but i have paid XXXX payments in year XXXX so i am not behind and made the full payments for year XXXX. I call the company every single month and have to correct this every time they say they will take care of it then assess me even more fees the next month. I have emailed that company to complain and they respond saying to reach a different dept no one wants to help out and i am about to take them to small claims for all the late fees i have paid them since they can't get it right and apply the payments correctly. 

Someone needs to stop this company from earing XXXX 's of dollars of people like me charging erroneous charges. For all the time i have had to miss work to call them and complain to the company they should be paying me for all the frustration and wasted hours on the phone.
Yes, my name is   XXXX   XXXX   XXXX   XXXX   I am a   XXXX   XXXX      XXXX   XXXX   and have and am currently being harassed by the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , Alabama,  XXXX . The policy I have with them falls under  USAA Federal Savings  Bank  XXXX   XXXX  Wind and Hail. Since I bought my house at  XXXX   XXXX   XXXX ,  XXXX  Alabama  XXXX , on or about mid-  XXXX   XXXX  - I have received on a frequency of about one a month correspondence from the Alabama  XXXX   XXXX   XXXX   out  of  XXXX   XXXX  AL, requesting various information, that I have had to have  USAA Federal Savings Bank handle,  repeatedly. This year alone (   XXXX   ) I have received  XXXX  letters from the Alabama  XXXX   XXXX   XXXX , most recently threatening to cancel my Insurance, unless I provide yet more information. This is simply harassment. If I lose my insurance my mortgage will be foreclosed! I have asked  XXXX   XXXX   XXXX  Bank numerous times to fix this- obviously to no avail. On,   XXXX   XXXX   XXXX   I spoke with a  XXXX  at  USAA,  who claimed she could not in fact contact this agency in Alabama, despite other  USAA  agents who could. Now oddly, the Probate Judge of  XXXX   XXXX , Alabama, where I reside,  XXXX   XXXX , was the Mayor of  XXXX  Alabama, who left this position under dubious circumstances. Also  XXXX   XXXX  is a big time or was a big-time player in the Insurance industry here in  XXXX   XXXX  and the State of  XXXX  with links to corrupt officials like the former Governor  XXXX   XXXX  who utilized State law enforcement to intimate citizens. Oddly, I have had unpleasant dealings with him recently, in his capacity of  XXXX   XXXX , when he in fact has no formal legal training. He committed me because I found some supposedly counterfeit money, but in reporting it supposedly highly upset someone in local  XXXX   XXXX ! This is despite following law-enforcement personnel guidance and direction to the letter! I have also had undue issues with the  XXXX   XXXX   XXXX   XXXX  which  XXXX   XXXX   XXXX  know intimately, in addition to the local Department  XXXX   XXXX   XXXX   XXXX  Now I do not know if these entities are linked, or not!?!? However, I would highly suggest, that all parties aforementioned are looked into for any sort of possible collusion in this matter, as I know of no one else that has had all of these issues- and for as long, with no end in sight. Also, a former big-shot from  XXXX   XXXX  lived ( and still might ) in my sub-division of  XXXX   XXXX ,  XXXX , AL. I am so exasperated that I have told USAA that I do not care if my mortgage is foreclosed if I lose my insurance. Thank You for any attention in this matter.  XXXX   XXXX   XXXX
On background check and credit report I have address that I have never been to. I have never lived at that specific address.
When I was unable to pay the amount due for my loans I contacted the Student loan company Navient for help. They pushed me to file for forbearance. I was already struggling to make payments and just wanted my payments lowered. after a few years of putting my loand in forbearance I found out about a income driven payments through a friend. After doing research I contacted my loan department and told them I only wanted to apply for the Income driven payments. After telling me I would n't qualify and telling me that I should just reapply for Forbearance I told them no I was applying for income driven payments. I applied and it was approved.