WillisBack/dataset-financial-user-claim huggingface dataset:
Aimloans advertised a mortgage rate with a certain APR. After I filled in an application, they, I saw a DIFFERENT APR /fees. When I inquired, a representative informed me the fees are third party fees??? then what is the point in publishing the APR if it does n't include the TOTAL FEES? 

XXXX 
RE : AimLoan Application - Started But Not Yet Completed CRMXXXX Inbox XXXX XXXX XXXX XXXX XXXX ( 17 minutes ago ) to me Hello XXXX XXXX This is not false advertisement. The information is based on Aimloan and what we charge for our lender fee. The other fees involved are third party fees and are not included in the information quoted on a third party site. While not all lenders subscribe to this way of doing business I can assure you it is a standard practice. I apologize for any confusion. 

Thanks so much XXXX XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : XXXX : AimLoan Application - Started But Not Yet Completed XXXX so this was a false advertisement? please change the ad so it will not mislead others. 

XXXX image XXXX On Mon, XXXX XXXX, 2017 at XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX XXXX wrote : Thats funny, last year I got a rate from XXXX from a lender. When I went through the process, the APR was exactly as advertised. 


XXXX On Mon XXXX XXXX XXXX, 2017 at XXXX XXXX, XXXX XXXX XXXX lt ; XXXXXXXXXXXX XXXX ; wrote : Hi XXXX XXXX XXXX does not take into consideration any third party fees. When you do a rate quote from XXXX you are only seeing the lender/origination fee. When you get the same quote from Aimloan.com you are being quoted lender/origination fee plus title, appraisal, recording, etc. 

XXXX XXXX Loan Officer - NMLS # XXXX Direct Phone/Fax XXXX XXXXXXXXXXXX My normal office hours are XXXX XXXX M-F " Our mission is to provide the lowest cost, most convenient mortgage in America. '' www.aimloan.com From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, 2017 XXXX XXXX To : XXXX XXXX Subject : Re : AimLoan Application - Started But Not Yet Completed CRMXXXX Hi XXXX XXXX I am traveling this week but been meaning to talk to you. I found some really good rates on XXXX that leads back to your company. But when I was on aimloan, I notice the rates changed and the APR was ALOT higher. There was a package mentioned on XXXX that says total cost was something like $ XXXX. But then when the information on your site suggests something like $ XXXX. 

I was looking re-finance a property with the least amount of cost available. 


thanks, XXXX XXXX
I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me.
XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XX/XX/XXXX to present. Please remove.
I have requested for at least the last XXXX years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost {$3000.00} for this alleged debt. I do n't know anyone that will go to the grocery store, or XXXX, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus. I appealed this travesty to all XXXX credit bureas ; TransUnion deleted it from my files. I feel it is only fair that the other XXXX do the same immediately and permanently. The representative I spoke with earlier today actually told me that they have never received any requests from me!!! Thank goodness the conversation was recorded. I have EVERY piece of correspondence to AND from them. What a XXXX
check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc. 

thank you XXXX XXXX
I noticed a tax lien reporting on Equifax. I do n't owe any tax liens. I disputed it with Equifax XXXX days ago and they wont respond, yet they continue to report this error on my credit
Experian credit keeps reporting 30 days late on key bank account, is not 30 days late the years XXXX, XXXX XXXX never 30 days late, they are falsely reporting late I have sent them banks payment history shows never 30 days late Some months late BUT NOT 30 days late See attached XXXX history under the " Days '' column Never 30 days late See attached XXXX & Experian XXXX late months they are different Experian shows all months late in XXXX, and XXXX shows 3 months late they are both wrong, never 30 days late 30 days late means after 30 days late you report not before.
Received a settlement letter from the company, called to let them know this bill was paid to the original creditor back in XX/XX/2014. The Representative was very rude and boys that I should not have paid XXXX I should have paid them and its a valid da representative was very rude and boys that I should not have paid XXXX I should have paid them. And although I have disputed this matter with validation they continue to claim to credit bureau this is s valid debt, which negatively affect my rating.
I have submitted documentation multiple times to US Bank issued XXXX XXXX Visa regarding a legal name change for my protection from a XXXX and identity theft issue. Documentation has included a copy of the court document, drivers license, and social security card. XXXX Visa has refused to process the documentation multiple times, and in doing so places me at risk of being discovered by my XXXX. I have offered to go to a local US Bank branch to provide the documentation but HD Visa refuses to work with US Bank even though they issue the credit card. Every time I send in documentation, they force me to wait 20 days to " review '' the documentation, and then reject it anyways. I am at the point that I have a meeting with an attorney to see how to continue to resolve this matter.
I funded a loan with Prestige Financial during my Chapter XXXX bankruptcy. My first payment was due before my bankruptcy was finalized and I told them they needed to change the initial due date. I am currently 26 days late due to major loss of income and they call me at least once a day, and email me as well. I have requested they not contact me, other than XXXX Mail, and prior to 30 days late. I have been threatened to " not risk this '' XXXX late payment status ], to " govern myself accordingly, '' and that I " must not need this car. '' I was told they would attempt payment on XXXX and I stated I would call in the afternoon to process. I emailed on XXXX to tell them I would need to make the payment on XXXX, which would be 28 days late. I received another threatening email as a result. I was also told that the payment was attempted at XXXX, which was against our recorded agreement.
I submitted a dispute to Equifax on  X/X/17    regarding a bankruptcy appearing on my credit report and they have yet to resolve the dispute or remove the item. The dispute was said to be resolved by within 30 days but no later than  X/X/17   . I spoke with a representative from Equifax on  X/X/17    and they agreed that they had not resolved the dispute and that I would need to call back, but then tried to sell me credit protection coverage at a monthly cost. I spoke with another representative on  X/X/17    who also stated that the dispute was not resolved but would not give me any additional information and once again tried to sell me credit protection for a monthly fee but was not helpful to me once I declined the coverage. I submitted the dispute according to the proper guidelines and feel that Equifax is refusing to delete this from my credit report
This was {$50.00} PNC Bank card given to us as gift and when we finally plan to use during holiday season we found the balance left on the card was {$2.00}. Bank took away rest of the money in their account upon calling multiple times customer service just response that its service charge monthly, this is absurd when the card is valid till XXXX how can they charge fees and for what? As I received a gift card how would we know of such charges? Are we still staying 19 centuries where bank can about anything. Do not bank with PNC Bank!
I received a notice from XXXX that a derogatory account was erroneously and fraudulently put onto my credit report and file from Nationwide Recovery Service on XX/XX/2017. I have never received any information or notice from this company. This account does not belong to me. I demand any and all information be remove immediately from my credit report and file as this company is in direct violation to federal and state laws regarding debt collection. My positive credit rating has been tarnished and I have been denied credit due to the erroneous, fraudulent and deceptive practices of this company.
To Whom It May Concern, I am the borrower, and I have continued to be subjected to undue stress by the mortgage servicers. First it was XXXX, now it is Ditch. I was approved for a HAFA short sale by the previous servicer, XXXX prior to XX/XX/2016. XXXX, unilaterally serviced released the loan to Ditech, which caused the buyer at the time to cancel the purchase agreement. The new buyer/offer was then submitted to Ditech, and they cancelled the purchase agreement, when it was determined both the septic tank and roof required replacement. Upon further inspection of the property, it has been in fact, determined the septic tank and roof require replacement ; see attached reports. As a result the subject property value continues to decline. Ditech refuses to work with me on a reasonable offer from the new buyer. I have a representative & supervisor who are not cooperative with the agents working on the short sale.
My husband passed away in 2005 and since that time, Chase Bank has been taking the mortgage payment out of my account but will not give me the credit for it. I have paid the mortgage down over {$330000.00} and asked Chase Bank to PLEASE put my social security number on the loan and submit it to the credit reporting agencies but they will not do it for me. They sent me a letter saying that " you 're not financially responsible for this loan '' but yet they continue to take the payment out of my account but will not help me by submitting this information to the credit reporting agencies so that I can improve my credit rating, which is poor due to the fact that I have a mentally ill child and got into trouble with my credit cards, which resulted in a poor credit rating. I asked Chase Bank to please put my social security number on this loan, took the death certificate in FIVE times and they will not help me. The home would sell for at least XXXX and I owe {$63000.00} on it, have paid them over {$330000.00}. If this were on my credit report, it would help me tremendously. I am a widow and on a fixed income. I need this credit. Why cant I get it???
I filled Chapter XXXX bankruptcy in XXXX and was discharged in XXXX. I included all debts including the referenced account XXXX XXXX which has now been removed from my credit report previously. The account is now showing back and is duplicated -showing as XXXX negative accounts both owing the same amount of {$5500.00}. 

Open Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks
We reported our card lost to Target. It has been several months and we thought by now they would have issued new cards and fixed the issue. But instead they have locked us out of our account, so we can not access it at all!! We can not make payments us we call in. We can not even see what our account number is!! On your statement they give you an account identification number instead. They have treated us like criminals ever since we lost our cards during our move. They told us we had to fax our driver 's license and social security cards to them for proof of who we are. I refuse to send that information to them over a fax. Something similar happened to me before with another card and they just cancelled the old card and issued a new card. Then they put a security measure on my account that I would get a text each time a purchase was made. They were very nice. But that was XXXX XXXX and not just a department store like Target. I am furious they are treating us like criminals!!
I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n't find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n't know that at the time and did n't make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX  XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n't have a copy of that letter. I hope you can help. 
Thank you.
On XXXX XXXX, 2015, the Jeep wrangler I was leasing from Chrysler Capital was totaled in a car accident. My insurance carrier submitted a check in the amount of {$37000.00} to cover the balance of the lease pay-off. Chrysler acknowledged that the check was received in their mailroom, but was somehow lost. I contacted Chrysler to find out the status of the pay-off check several times. 
During this time I continued to make the scheduled payments which were due on the XXXX of each month. I was also required to pay a {$490.00} lease return fee, even though the car was not returned, but totaled in an accident. 
Chrysler accepted my payments and assured me that they would credited to my account because they were not late and my credit would not be adversely affected because I continued to make my scheduled payments. In fact Chrysler Capital sent a refund check for approx. {$1700.00} to reimburse me for the payments I made during the time they are claiming I was late paying them. 
This turned out to be untrue, Chrysler intentionally reported late payments on my credit even though I made my payments within the time frame required. 
Attached is a complete history of my payments to Chrysler Capital.
REGARDING : TRANSUNION Free Annual Credit Report : XXXX DANGEROUS URL Malware Alerts Date : XX/XX/17 Duration : @ XXXX XXXX - XXXX XXXX Went to the TransUnion website to order a free Annual Credit report Attempted to complete request form for free Annual Credit Report - did not remember my User Name & Password Got locked and instructed to call TU. 
The representative asked me questions to confirm my identity. 
Do n't recall if conversation was being recorded for QA I asked if it was better to get each report individually or 3-1? 
*Agent : tried to sell me on TU being the best & most accurate & for a small charge could get the FICO score after telling me FICO score really is n't important to me because creditors use different scoring to make determination. 
*Told me my User Name Said he would send a temporary Password via email. He cautioned PW must be typed in not cut & pasted. 
Ended the call after approximately 10-15 minutes Temporary Email arrived at XXXX XXXX  with a link *** ( 508 ) Compliance Code does not indicate if what is displayed is a lower case letter or number. 
Attempted the Voice Activated Code. This attempt locked me up. 
Used the link provided. 
After nine ( 9-10 ) Web Anti-Virus Malware Alerts from XXXX ( Dangerous URL Blocked ) *XXXX ( SCREENSHOTS - See Attached File ) I was able to reach the credit report. 
Saved credit report & logged out of site Re : Malware Alerts - this is the first time I 've ever received Malware Alerts from XXXX At XXXX XXXX investigated the Malware - ( See Attached File ) CONCERN : Why are these alerts coming unless TransUnion is compromised? And I might be compromised as well? or it 's a scam to buy additional products to secure credit reports? 
***I will not go back to TransUnion - will request in writing.
Synchrony Bank has stolen {$2000.00} from me!! The bank accepted and cashed my check XXXX # XXXX XXXX in the amount of {$2000.00} and then advised me that my account balance is {$00.00}! Details follow : XXXX XXXX-I mailed my check # XXXX in the amount of {$2000.00} to XXXX ( Synchrony Bank ) see Attachment A. 

XXXX XXXX-TD Bank debited my account in the amount of {$2000.00}. See Attachment B. 

XXXX XXXX XXXX ( Synchrony Bank ) acknowledges receipt of the {$2000.00} and deposits the funds in XXXX. See Attachment C. 

XXXX XXXX XXXX ( Synchrony Bank ) that my account balance is now {$2000.00}. See Attachment D. 

XXXX XXXX received a telephone call from XXXX. The woman said " I have a check for {$2000.00}, what am I supposed to do with it? '' I asked where was the paperwork that accompanied the check? The woman said " I do n't have no paperwork, I just have the check ''. I told her as I noted in the memo field of the check that I wanted a XXXX month CD. 

XXXX XXXX XXXX XXXX Synchrony Bank XXXX submitted my check number XXXX for a XXXX time! See Attachment B. 

XXXX XXXX-XXXX returned to the check for insufficient funds and charged my account {$35.00} for the overdraft. See Attachments B and E. 

XXXX XXXX XXXX ( Synchrony Bank ) advised that my account balance has been adjusted to XXXX because the XXXX time they submitted the check was returned for not sufficient funds! 

XXXX ( Synchrony Bank ) has failed to say what they did with the {$2000.00} they received on XXXX XXXX. Repeated attempts to call and get the situation resolved have failed.
I found out that Equifax had the wrong name, social security attached to my name not only that different aliases and addresses as well. I contacted Equifax and I was advised to send in proper documentation via Fax to prove my identity and I was in compliance. I went to XXXX OfficeXX/XX/XXXX and paid to color copy of my SSN with my DL and send the fax to Equifax Dispute Department. I then contacted Equifax again days laters to see if they had received my documents and they hadnt, so I waited again. Days had past and then I receive my 1st confirmation email from Equifax, So I thought they had initiated my disputes and definitely my documents. So I called back and gave the 1st confirmation number and they had informed me that they had updated my information and received my documents and that now Id have to wait until the other investigation was done ( which I didnt know I had 2 different disputes ). So 2weeks go by and I receive another email with an estimated time of XX/XX/ for the last dispute to be fixed. So they had ( 4 ) collections removed but the still have my social security number incorrect and the same credit report with all the fraudulent medical collections are being pulled from Equifax to my credit union, denying me everything. Twice. The report still shows the same information that I hadnt the same ( 2 ) disputes about. I called almost everyday since XX/XX/XXXXand I keep getting the run around and Im always talking to to someone from out of the country who barely understands what Im talking about or saying.
I have contacted USAA several times about changing the payment due date on my credit card. Every time I call, the representative says that USAA has not yet authorized " the system '' to allow for payment due date change requests. I have always paid on time and have a good credit score above XXXX. I am working for a company that pays me on the XXXX and the XXXX instead of the XXXX and the XXXX. I need to be able to pay my credit card bill with my paycheck on the XXXX but my credit card due date is the XXXX of each month which if I do n't pay by the XXXX, I will incur late fees. USAA does n't ever explain why they wo n't allow a change to the payment due date, I am just told by the rep that " management has not yet authorized it ( payment due date changes ) ''.
A certified letter was received by Experian on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Experian failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX/TOTAL CRD # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Experian processed by investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Experian is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Experian Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Experian Consumer Reporting agency.