WillisBack/dataset-financial-user-claim huggingface dataset:
Received paper statement in XXXX for XXXX 's bill, paid XXXX 's bill. Sometime in XXXX Honda Financial switched, without my knowledge at the time to electronic statements. Honda Financial stated the accounts were changed to online, my records showed that I was expecting paper statements as originally agreed upon in my terms and agreements with the lease. I did not receive a change to policy that my statements would be electronic, to this date I am told they are electronic but have no means to access this version of the statement. I have requested to be put back on paper statements in XXXX and my request has not been met to this date. I have contact Honda Financial on several occasions regarding these matters with the statements. 

Due to me not receiving these statements I missed XXXX, XXXX, XXXX, and XXXX payments has caused issues with penalties and a severe impact on my credit score. Honda Financial made one attempt to contact my husband to make a payment, at which they did not state there name, or that they were on a recorded line, and did not provide a means to correct the missed payment. In addition we did not receive any past due notices ; written or electronic. I have since paid all these in full after having my vehicle reposed including fees, finance charges, toeing fees, lot fees, etc. I have attempted to negotiate with Honda Financial since they did not provide a resolution in the matters on the statements, and have not provided options or abilities to correct these errors which has caused penalties exceeded {$1000.00}. I do have copies of the total penalties and fees that have been assessed to this date. I have also been on time with payments since this issue occurred, but have yet to have any corrections done by Honda Financial.

Honda Financial has continually ignored my requests to have paper statements, along with copies of the notices that I was past due in XXXX through XXXX. 

For specifics on dates, dollar amounts, and other information I have retained a physical copy of what has been assessed to date. I will be willing to provide a copy of this information for further details regarding total fees and penalties assessed. I would be able to fax these documents in since I do not have a scanner.
USI Solutions Inc is the collection company. 
On XX/XX/18, I spoke with a representative from USI and asked them to stop calling my father who is in a XXXX XXXX. The representatives him that he was would not stop calling and that would continue calling him daily. Today the company called me twice, called medical facility twice and called my father 's cellphone. The representative that called the medical facility represrntent himself as a family friend to the nurse that answered thephone phone.
On XXXX I took out a loan of {$200.00}. As of XXXX I have paid back {$260.00}. On XXXX and XXXX of XXXX I tried to pay off the entire loan, but their website would not accept my payment. I tried e-mailing the company on XXXX and received a response on XXXX that basically told me to go on line to pay off my balance. I tried again, and had the same issue. on XXXX the amount to pay this loan off was {$200.00}, and on XXXX, the amount went up to {$210.00}. They tried twice ( supposedly ) and told me that my bank declined the payment. They then told me that they could process it the same way that the bi-weekly payments have been coming out, but that they could not process it until Tuesday, XXXX, and the amount would be even higher. Then when I complained about how difficult they were making it to pay off my loan they told me to call my bank to authorize the payment, but every day that passes, the pay off amount continues to go up. 

This company needs to be shut down.
Credit card transaction was declined inappropriately. We called Wells Fargo to explain reason for declination. They stated that, due to increased fraud activity during the holidays, it was bank policy to decline all credit card or debit transactions. We rep also stated to us that she was required to tell us that this procedure was " for our protection ''
XX/XX/XXXX To Whom It May Concern, I would like to report a fault loan on my loan officer XXXX XXXX. VIP Mortgage INC. 

I was unemployed on XX/XX/XXXX. The house I wanted to purchase is located at XXXX XXXX XXXX XXXX, TX XXXX with the price at {$140000.00}. I asked XXXX XXXX if I could purchase a house with 10 % down while I am unemployed. XXXX XXXX XXXX looked through all of my income tax XX/XX/XXXX & XX/XX/XXXX and he said yes. He sent me an approved loan letter with qualify amount of {$150000.00}. I signed a XXXX XXXX Sell and was supposed to close the house on XX/XX/XXXX with the price of {$140000.00}. During the whole time of waiting for the loans to get approved, I kept follow up with XXXX XXXX regarding my loans status. He reassured me that I was qualified to buy this house. 
When it times to close on XXXX XXXX he said my debt ratio was too high. He wanted me to sign another amendment extension to XX/XX/XXXX. He told me if I can have another person cosign with XXXX % down then for sure I will get the house. I asked my sister for help. I came up with XXXX % down ( {$21000.00} ) with my sister cosign. By XX/XX/XXXX he said the under writer did n't approved the loan because my debt ratio is too high. By then, I have passed the dead line of 25 days from XX/XX/XXXX contract signed. 

On XX/XX/XXXX I have to signed away my {$1400.00} for Earnest Money to the seller because my loan was disqualify and my contract was over 25 days limit. I am very upset because I lost my {$1400.00} Earnest money and {$610.00} for the appraisal. Total I spent was {$2000.00}. As a professional loan officer, XXXX XXXX should acknowledge that if a client has a high debt ratio and unemployment at the same time then he should let his client know upfront. I was misleading by XXXX XXXX. I want to hold him and his VIP Mortgage Inc. an accountable for {$2000.00} that I lost. I want XXXX XXXX and his mortgage company to refund me the {$2000.00}. 
I need that money to support my family while I am unemployment Would you help me to get refund my money. 
XXXX XXXX works as independent broker. 

XXXX XXXX - buyer XXXX XXXX XXXX . 
XXXX, TX XXXX VIP MORTGAGE INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Loan Originator Identifier XXXX VIP Mortgage Inc. 
Loan Origination Company Identifier XXXX ( P ) XXXX ( F ) XXXX
I have been trying to transfer/close my account with M & T bank for a week and they keep declining my transfers. I messaged them and they wouldn't provide any details. I tried to call but the person I talked to was no help and gave very vague answers. I want to transfer my money and close my account with them. Too many hoops to jump through with this bank.
I paid the bill the first month late and assessed a fee which I take full responsibility for. However, I paid the bill the next month two weeks earlier and to my surprise still was assessed a late fee. I again said it was my fault and did not challenge the fee. The third month I mailed the payment overnight in a money order. It was three weeks early and they did not process it until a day after the due date so I was assessed a third fee. 

I realized they were not " up-standing '' in their billing practices. I stopped paying the bill because I was upset. I am willing to pay the full amount and the late fees that now owe. I My complaint has more to do with their billing practices. I would like someone to please look into these practices.
XXXX XXXX XXXX shows late payments and I have never been later.   They say that on there end they don't show late payments.  I contacted them last on XXXX XXXX 2018.
This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.
I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.
Synergetic Communications claims I owe XXXX to XXXX XXXX, XXXX of this debit is a fraudulent charge from XXXX OF XXXX on XXXX XXXX, I disputed the charge several times, I was given a provisional credit while in dispute and later told the credit is permanent as case was closed by an investigator. XXXX XXXX later turned around and reversed the credit, took it back out of my account. As stated in claims filed, I have not done business with XXXX OF XXXX, do not own a XXXX. The only proof provided by XXXX XXXX is a forged credit card authorization form, the signature on form is not mine. There are also several overdraft fees stemming from credit reversal, each in the amount of XXXX each. About 100 % of this debt, XXXX, is questionable due to fraud and overdraft fees stemming from it. Please advise Synergetic Communications I refuse to pay this debt and complaints were filed with XXXX XXXX about this matter, still unresolved.
Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment.
I reported fraud activity on my card a month ago ( I had XXXX cards that were hacked, have filed the info with the XXXX agencies and FTC ). Since that time, I have been denied access to my account, the company/bank has so misconstrued the fraud report that it has cancelled out payments I authorized to the extent of over {$1000.00} and never attempted to verify the information with me, and it has threatened me with a demand for payment of the unauthorized cancellation. I have done all due diligence and am not sure what the next step is other than legal counsel.
I am requesting that this item be removed from the credit bureaus immediately. I have not open an account in XX/XX/2018 with XXXX. This is an error. I have XXXX service for years. The amount reporting is {$430.00}.
I requested validation of accounts from credit reporting agency for accuracy. Did not receive documents nor responses validating accounts on report are accurate.
The company,   XXXX   XXXX   XXXX   XXXX   XXXX  , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at   XXXX   XXXX   in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called   XXXX   XXXX  . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.
I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.
XXXX XXXX XXXX card by Citi no longer provides return envelope for paying your credit card bill. It is the only credit card company that I know of that refuses to send envelopes for payment. They stated it is part of cost-cutting initiative. Consumers should be protected from company policies that most likely will result in consumers paying late fees or finance charges. The risk of that is higher because Citi policy makes it harder and more cumbersome to pay your bill. They say consumers have different options to pay bill ( I.e. By phone ) - this creates a higher probability that consumers fail to pay on time due to failure to remember to call on time. Most check writers belong to older population. Protect the seniors of our community from major credit card companies such as Citi.
Starting back in XXXX of XXXX, Discover Card 's pay by phone line began to register unauthorized payments pulling money from my bank account to pay them. For example, it would show a payment of {$500.00} one day and {$400.00} the very next. I know the pay cycle and my pay frequency and know I would n't have paid this excessively. In XXXX, the payments became almost daily, with Discover pulling at least {$75.00} per day out of my bank account. This created difficulty with paying other creditors and bills. I told them that I do pay by phone but that I did not pay them to this excess. 

They agreed to redeem the unauthorized charges with an affidavit filed by XXXXXXXX XXXX. In a phone call with their investigations department, they said they would not dispute this. Citizens initially returned the money, then a couple weeks ago, the account was significantly overdrafted. XXXX told me that Discover disputed the affidavit. 

I have phone records showing calls to their pay by phone line up to 10 times per day, at hours when I was n't awake and from locations I was not in ( i.e. from Connecticut right before midnight then making a second call to them in XXXX about 30 minutes later ). 

Numerous attempts to get Discover to work with me and redeem these unauthorized debits to my account have been ignored. Discover added {$6000.00} onto my balance on the premise that it would reflect what was returned to me. However, Discover has not and refuses to return any money. 

This has affected my ability to pay other creditors, which affects my credit. I have also received a large amount in overdraft fees from XXXX.
This is the XXXX complaint that I 'm filing against United Recovery Services since they started to call me like a fool XX/XX/XXXX at XXXX on my home phone and XXXX cell phones. They called me again today at XXXX on my home phone XXXX time, XXXX time on my XXXX cell phone at XXXX and XXXX times on my XXXX cell phone at XXXX and then again at XXXX. My previous XXXX complaints filed gives you an overview of how I 'm being harassed by this debt collector for some reason. For the past XXXX months, XXXX XXXX XXXX ( XXXX ) XXXX has consolidated and have been getting XXXX debts that I owe paid down, paid off, and resolved. But XXXX of these XXXX creditors seems to me to have taken it upon themselves to launch a retribution, harassment, and spite campaign against me, XXXX XXXX XXXX, or both us the way I see it. The creditor, whoever he or she maybe, is using United Recovery Services as a proxy to harass me throughout the day. All along, XXXX XXXX XXXX has been representing me pertaining to these financial matters for about XXXX months now ... since XX/XX/XXXX/XX/XX/XXXX. I 'm not a lawyer, but I feel rights are being violated by calling me after XXXX, calling me on my XXXX cell phones without my permission, and calling me more than XXXX times a day, sometimes XXXX times a day total. This is illegal and criminal if it is being done intentionally.
I was paying my student loans under a student assistance program and had n't realized that they stopped collecting payments from my account. When I received a phone call from Navient, I told them that I needed to do more research to verify that my loans had n't been paid since XXXX 2015. She then told me that she has already done verification of employment and will be pushing forward for wage garnishment. I again told her I wanted to do some research and she said she 's already done it and became very nasty with me over the phone. I finally told her I would discuss it with her only AFTER I was able to do some more investigating and hung up. She called right back and I did n't answer as I was at work.
There are two XXXX XXXX XXXX accounts on my credit report that do not belong to me. The first  account has an account number of " XXXX '' and a balance of {$5600.00}. The second account has an account number of " XXXX '' and a balance of {$4600.00}. <P/>Experian is the only credit agency who is reporting these accounts on my credit and they are refusing to remove them saying that they have been verified to belong to me. I do n't understand how this is even possible. In the past, XXXX was also reporting these two accounts and when they conducted an investigation, they were promptly removed after it was verified that they did NOT belong to me. How can Experian and XXXX come back with two different results for the same dispute and investigation? I have already called XXXX XXXX XXXX and they have confirmed to me that there are no records that match my personal information! I do not believe that Experian is processing my disputes properly and I am now looking to meet with an attorney to address this issue. It is wrong for other persons ' accounts to be reported on someone else 's credit report and I can not continue to allow this to happen.
My employer loaded my direct deposit to my American Express Bluebird card on Sunday, XX/XX/2018. As of today, Tuesday, XX/XX/2018, my direct deposit has not been released to my account.
I went to Cars Now to purchase a vehicle through a loan through them. I ended up getting a suv. They had me get all their warranties that added up to {$1500.00}. So if anything happened to the car it would be covered. They also told me that if I wrecked they would give me a car that was the same value as my car and put what I have already paid towards the new car. I was already paying way more than the car was worth on top of the warranties. I paid my monthly payment on time always until the car kept breaking down. The socks were bad. The tie almost feel off. The rods that connect the wheels almost fell off. The fuel pump went out. The gas gauge did n't work. I put so much money into that car and was furious that the warranty they told me to have in case things happen did n't cover any thing. When the drive shaft went out and I found out how much it would be I told them to come get the car that it 's not safe. That All these inspections should of been done before selling it to me and they lied about the warranty. They would n't come get the car so we dropped it off to them. They contacted me on XXXX messenger which I thought was totally unprofessional. They dad my car on the lot to be sold not even a month later. In fact they sold it for the same price they sold it to me for. I never got a letter stating it was sold or for how much. They ripped me off. I did n't even know they had a collection against me till I checked my credit report. I disputed it to the credit bureau it now says paid but still says charge off. Not to mention the impact it has done to my credit. They said they could help my credit lies. They just find people with little or no credit or bad credit and after y then over with card that break down overcharging with promises that your credit will improve.
Capital Accounts has put a derogatory item on my XXXX credit report. I never received anything in the mail about this medical debt and I have had insuance for the past 10 years. As far as I know, I have no medical debt because I never received a bill in the mail nor have I received any phone calls. I filed a dispute with the Better Business Bureau and Capital Accounts responded with an illegible written " statement ''. The illegible statement also has the wrong address which would explain why I never received anything in the mail. Furthermore, I did not sign anything giving anyone permission to pass on my medical information and I definitely did not sign any contracts with Capital Accounts, so therefore I do not have a business relationship with them. So, they should not be reporting anything to my credit reports. In addition to that, the statement appears to show a balance of {$200.00}. However, they are reporting {$300.00}. So, my HIPPA rights have been violated in addition to the Fair Credit Reporting Act. HIPPA has been violated because personal medical information has been transmitted to a 3rd party without my consent. The Fair Credit Reporting Act has been violated because they are reporting a different amount than the statement they sent me and they are reporting an address different from the one that the original creditor gave them. I have asked for documentation showing my signature agreeing to do business with Capital Accounts and they have not been able to produce anything. Capital Accounts needs to remove this collection from my credit reports immediately.
CMRE contacted my work to get a hold of me and asked me if this is Blank. At work I ' am called a lot so they tricked me. I said yes thinking it was company calling about some issues work related. Then they said this is a attempt to collect a debt. If I read correctly they can not contact you on your work phone. 2nd they have been garnishing me for a year now. They 've been taking money out for a year and the amount they are suppose to take too is up to XXXX dollars to pay of the debt bill. But it 's past XXXX dollars and I 've tried contacting them and every time I call they said they ca n't provide a statement or do n't have the information on file. Please I can use some help.