WillisBack/dataset-financial-user-claim huggingface dataset:
I have a several private loans that I procured and when I lost my job I was unable to pay them in a timely fashion. I had co signors for these loans. I have since started working and I started to make small payments on getting these handled. I am currently working through Navient. I was unable to make the payments for a while so I was not able to make the payments. I got a call last month stating that the only payment options would be gettting a loan to pay {$11000.00}. This would remove the co signors from my loan. I told them that I am not able to pay that amount all at once. They suggested borrowing money, asking for a loan or using a credit card. I told them that with my credit history due to my defaulting on loans. It was not an option They gave me another option to pay {$35000.00} and the amount would be settled. Again, I do not have access to this money. They say they will reach out to my co signors and ask them for the money. I told them, I understand that I asked for a loan and that I have a co signor but they are not in the position to help and I want to take full responsibility to clear this up. I do not want them to harass my co signors. I also want them to be able to understand that i want to make a payment plan that is affordable for me. The last option was to pay a down payment of {$2500.00} and then pay $ XXXX/month. None of these options are financially viable for me. I am renting a room, i pay child support and I have other obligations that I am paying. I would have no money to eat or live if i were to accept this. Because these are private loans I have no option to consolidate these loans with my other Fed Loans ( which are currently being worked on and has been an easy process so far ) I feel like i was taken advantage of when i was younger and unaware of the credit implications later on down the road. I want to make these payments but they are not working with me. I do not know what to do.
This bank is horrible, each banking rep in person or on the phone will give you different answers. The scam works as follows : The backend computer system adds a delay to any deposits you make will be delayed as long as possible in order to charge you more overdraft fees. 

Any withdrawals are structured in such a way so that they will not appear on your statement or at the ATM until its too late. They structure them to their advantage. There are literally hundreds of other people that have this exact same complaint. I want a refund for all NSF fees i paid to this bank or I will sue them in court.
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I signed up for a bank account with Citibank for a promotional offer where I would receive XXXX airline miles after meeting a set of criteria. I met the criteria XX/XX/XXXX and waited the three billing cycles that the promotion required to pass before I was given the airline miles. The miles should have posted XX/XX/XXXX and that 's what I was told, but I still do not have them and now my messages are left unanswered.
Chase Finance has reported to the credit bureau that I 'm delinquent on car payments for a XX/XX/XXXX XXXX XXXX which I did not purchase. I called them to remove my name and to stop posting that I 'm not making payments on a car I DID NOT PURCHASE. I purchased a XX/XX/XXXX XXXX XXXX XXXX which I 'm current on all payments.
After many calls and letters I still am yet to find out the variables used in determining the interest rate Sallie Mae offered. Under truth in lending, there must be some obligation, after receiving all my personal information and processing a loan request, that they provide me with the details as to how the interest rate offered was determined. 

With a cosigner XXXX score of XXXXSallie Mae offered XXXX a loan at anywhere from 8.37 % to 10.875 %!! There is nobody at Sallie Mae who can explain how this interest rate that was offered is calculated, just that it 's non negotioable. Then they are guilty of false advertising since they advertise the following rates : Variable interest rates from 2.50 % APR to 9.59 % APR3 Fixed interest rates from 5.74 % APR to 11.85 % APRXXXX If they are offering XXXX a rate only slightly lower than their highest rates available, with a cosigner with an excellent rating that is agreeing if XXXX defaults to be responsible for the loan, than there is something that does n't add up.
I was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.
I looked at my paid XXXX subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.
They constantly calling looking for our son claiming they need to contact him about a debt he owes regarding medical care. They used other peoples names ( spoofing ) on the caller Id to avoid us from finding out who is calling, but the phone number is always the same. They call at least once a week and have been doing so for over the last year and they never identify themselves on the phone. They ask that you return the call to the number that they are calling from but the caller ID shows an individual 's name. We know our son owes no medical bills because we paid them all. We have never received any written notice about a bill owed.
In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy Petition, which included my mortgage debt with XXXX XXXX. I did not reaffirm the mortgage during the bankruptcy proceedings. My Chapter XXXX Petitioner was closed with all listed debts discharged on XX/XX/XXXX. I know the mortgage on my home continues a debt against the property but my personal obligation for the debt was discharged. XXXX XXXX   continues to report my mortgage account to credit reporting agencies, including Experian. I have notified Experian and XXXX XXXX  that the information shown on my current credit report is a violation of the Bankruptcy Discharge, but they refuse to remove the information from my credit report. I am attaching a copy of my Bankruptcy Petition and Discharge with this Complaint. I need help getting this information removed from my credit reports, as it is adversely effecting me and my family. I did not want to file for bankruptcy protection but as I did, I am entitled to the protections granted to me by the Bankruptcy Court.
On XX/XX/2016 I filed with Quicken Loans to refinance my mortgage. I paid {$500.00} for the adjuster to give me price on my house. I currently have a FHA Loan at 3.5 % I sent every paper they asked for. Called them every few weeks for update on closing. On XX/XX/XXXX they told me the loan could not be finalized at the rate I was promised because too much time had lapsed. It is not my fault time lapsed. I want my {$500.00} for the adjuster that I paid in full as requested by Quicken Loan and than they cancel?
We received a letter on XXXX XXXX from Vermont Student Assistance Corp. stating that my daughters loan was deferred to XXXX/XXXX/XXXX. we then a week later get a later stating that she is over due on paying that months payment. She is doing program ( that includes a masters in business management at the XXXX University XXXX XXXX with a company starting on XXXX. XXXX, XXXX. The documents alluding to this case are all attached. because of the email stating the loans were deferred to XXXX XXXX we stopped investigating a refinancing loan until after the Holidays. We have requested that they grant a forbearance until the end of XXXX XXXX on XXXX/XXXX/XXXX if they are not going to honor their letter dated XXXX and they have not responded. After contacting VSAC once we got another bill they said that the letter granting forbearance was a mistake and to disregard it.
As I understand it, everyone is entitled to receive a free credit report once a year from each of the XXXX primary credit reporting agencies, XXXX, XXXX, and TransUnion. From the website XXXX, I was informed to go to www.annualcreditreport.com as the only authorized site to get the free report, which I did. In following the steps on that website, I got free reports from both XXXX and XXXX with no problems or hassles. However, when I went to the TransUnion link, TransUnion offered a free credit score and a credit report for {$1.00} provided I agreed to subscribe to their monthly credit monitoring service, on a 1 week free trial. If I wanted to cancel the subscription, I had one week to do so by contacting them and notifying them of my desire to cancel. That was the only option offered. Since I needed a report from each agency, I reluctantly agreed to the subscription with the intention of canceling as soon as I received the report. I neither needed nor wanted the credit monitoring subscription. After I agreed to their terms, I received the desired report ( which was very meager in comparison to the reports provided by the other XXXX agencies, I might add ). Once I received the report I had to spend about a half hour on-line trying to find a phone number through which I could cancel the subscription. I finally found one and cancelled the subscription. About a week later, I had to do the same thing for my spouse. Again, I had to agree to a subscription to TransUnion 's credit monitoring service to get the report. I did get the report, only this time I forgot to go back and cancel the subscription. About a week later, our bank account was charged {$19.00} for the monitoring service, which overdrew our account. Since the account was now overdrawn, another charge, which otherwise would have cleared, overdrew the account further resulting in an additional overdraft fee. So now, I had the unwanted charge for the monitoring service plus XXXX overdraft charges totaling an overdraft of {$73.00}. I contacted TransUnion and they finally agreed to cancel the XXXX subscription and refund the {$19.00}. Our bank has agreed to reimburse the XXXX overdraft fees, once TransUnion redeposits the {$19.00}. Failing to immediately cancel the monitoring service was admittedly my error. My complaint is : Why does someone have to go through all of this unnecessary hassle in order to get what is supposed to be a free credit report from TransUnion?!! Neither of the other XXXX agencies put you through that ordeal, why does TransUnion. They should just provide the free report, as the other agencies do, without contingencies requiring service subscriptions. This seems to me, unethical, unnecessary, and perhaps illegal.
JONATHAN C. FRANK & ASSOCIATES , LLC.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Phone : (  XXXX  )  XXXX  For Debt Collections : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  Email :  XXXX  XXXX  XXXX  This company is continuously calling me and my wife for a debt that is not mine and I have tried to tell them this. They call non stop asking me to verify info and threatening to have me arrested. From conversation I think it has to do with payday loans, I have never had a payday loan. They are a ripoff. I have froze my credit.
I had a bankruptcy and had a judgement taken care of within the BK, now Bank of America is refusing to release the lien they placed against my house for this judgment.
After Capital One held a deposit of a cashier 's check for over two weeks, I decided I no longer wanted to do business with this bank. On XX/XX/2018, I called and waited on the phone for over 30 minutes to speak with someone to close the account. After another 15 minutes of waiting and going back and forth with three different representatives, I finally spoke with someone and closed the account. I was assured that the account was closed and the money would be transferred to my external account at XXXX  XXXX XXXX XXXX. 

Fast forward to today, almost a full week later and the account was still open and the money wasn't transferred to XXXX XXXX XXXX XXXX. I called Capital One again and waited another twenty minutes while being passed back around again. A supervisor came on finally and told me the account hadn't been closed! I was stunned and quite angry. Not only had they NOT followed through on the request to close the account a week earlier, they had not bothered to try to contact me to let me know there was a problem! This whole thing would have just dragged on without me knowing anything about it had I not called them again. 

The supervisor said I could close the account and they'd mail me a check for the balance. I reminded them that I had linked the XXXX  XXXX XXXX XXXX account and wanted the balance transferred there. He said they couldn't do it as the linked account was removed by them. What?? Why on earth would they REMOVE an account I had linked? Both accounts were under my name and I had previously done several transfers. Now Capital One was deleting this account and holding my money hostage! How can this happen?? Is this what America 's become?? A place where banks can do such things without any oversight or fear of repercussion? 

The final insult was the supervisor telling me I could go into the account I had believed was closed and re-submit the details of the XXXX XXXX XXXX XXXX again and then, at Capital One 's leisure, they'd do two small deposits to be confirmed so they could validate the account. Only then would I be allowed to transfer the money out of the account. Or, I could close the account AGAIN today and they'd send me a check, at their leisure, for the balance. This would likely take another TWO WEEKS! I've been at this with Capital One already for two weeks plus and now they pull this move. 

Who will stand up for consumers against the power of big banks like Capital One? The CFPB used to stand for the American people when banks tried such stunts. I'm not sure they do any longer but I'm writing this in hopes that I'm wrong.
Equifax was hacked on XXXX XXXX, 2017 due to not having proper security on their website which has the personal info of millions of people. Apart from that, they set up a website in order to check if your information was compromised and have the nerve to tell you to sign up for their premium services. Such services will disqualify you from seeking any type of compensation for this colossal mistake on their part. They mishandled sensitive information and now want customers to sign up for an extra service, even if the first year is free, it 's insulting.
Account Control Technology has been harrassing me, calling my cell phone repeatedly five times in a row, calling my co-workers, my neighbor, and my brother-in-law. This is just so far 2 days into this problem. It is regarding my student loans. I fear my job and reputation are being put in jeopardy by this ridiculous abusive behavior.
My XXXX and XXXX hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on XXXX and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
I had a loan with Prestige Finance on my automobile. In XXXX XXXX I refinanced that automobile with XXXX XXXX to bring my interest rate down. I have made numerous calls to Prestige to please close my account because it looks like I have XXXX auto loans on my credit report, when I only have the XXXX. XXXX XXXX paid XXXX XXXX the total amount of the loan on XXXX XXXX, XXXX. Prestige has agreed that the loan is paid in full and that they will close the account. This was told to me in XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and in XXXX XXXX, XXXX, that they were sorry and would take care of the matter immediately. It still has not been done. The account at Prestige Finance was XXXX. 
Thank you, XXXX XXXX XXXX
Two calls per day during work hours. Phone number used is XXXX. I have no account with this company so this is unsolicited communications. Any debt is invalid and any negative reports on my credit should be removed promptly.
American Express states that I opted in to a Pay Over Time feature on our AMEX in XX/XX/XXXX. I do not recall ever having the process explained or opting into the service. This " Service ''  automatically routed charges of more than {$100.00} to a separate hidden account that does not show up on the Statement or Payment tabs. AMEX then charged us {$1000.00} in fees on the Pay Over Time account between XX/XX/XXXX and today. They continued to route purchases over {$100.00} to this account so we were always paying little bits of the charges and thinking we were paying the whole balance. When I paid the statement balance I assumed that meant I was paying everything we owed to Amex but it didn't include the Pay Over Time balance. They hide all mention of Pay Over Time on their website so if you aren't watching closely you never notice the interest charges. I complained to the company but they said there was nothing they could do. I cancelled Pay Over Time and immediately there are little ads for it all over the account page when I log into americanexpress.com.
I fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.
XXXX OF XXXX REPRESENTING A PAYDAY LOAN COMPANY SPOTLOAN STATED I WOULD BE ARRESTED FOR FRAUD IF I DID NOT MAKE SOME KIND OF PAYMENT. I CLOSED THAT ACCOUNT THAT THE ACH WAS COMING OUT OF DUE TO RELOCATION FOR PERSONAL REASONS. AND I WAS NEVER CONTACTED MY A DEBT COLLECTION COMPANY OR THE COMPANY ITSELF.
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks
I have had issues with this company since the card was opened. When I submitted my payment the first time back in XX/XX/XXXX, the company held my payment and then stated that the information for my account was incorrect and came back as insufficient funds and they charged me a fee for the transaction. I submitted the payment again and the same thing happened. I called the company and gave them the same bank information that Id been using and they didnt have any issues processing the payment. I attempted to submit a payment again in XX/XX/XXXX and the same thing occurred. They said that the account information was incorrect and that it came back as insufficient funds and I was charged a late fee. Called the company again and didnt have any issues processing the payment with the same information I was using online. I pulled my credit report to see how things were reporting with this account and saw that they had closed the account. I called to inquire why my account had been closed and was told that it was because of my payments being returned. I was told that after 3 successful payment submissions that the account would be reopened. I called to submit my payment in XX/XX/XXXX and was told by a customer representative to submit it online. The same issue happened. I ended up having to call back. Same thing occurred for XX/XX/XXXXand ended up submitting two payments through a representative. I was informed that because I submitted two payments for both XX/XX/XXXX and XX/XX/XXXX, that my next payment wasnt due until XX/XX/XXXX. I submitted a payment at the beginning of XXXX online. I woke up today to see that the closed account is reading 30 days past due. I am furious about this as this has dropped my score significantly and I am currently in the process of buying a home and will not qualify now. I was specifically told by a customer representative that the next payment was due in XX/XX/XXXX so my credit report should not read 30 days past due. I am prepared to pursue legal action with this company if this situation is not rectified.