WillisBack/dataset-financial-user-claim huggingface dataset:
Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.
I have been repeatedly contacted both by text, phone, and now a postcard that clearly states I owe a past due account which violates the Fair Debt Collection law Section 808. I have also told them repeatedly that an attorney is representing me in chapter XXXX bankruptcy and gave them the contact information and they refuse to contact the attorney and sent me text message telling me they dont care if I have an attorney and wont contact him or stop contacting me. The FDCPA also clearly states this is a direct violation of the law.
I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. 
I do n't live at that address and I never have.
Someone I knew got a car under my name and didnt pay it and didnt tell me and had 5 months of missed payments
EXPERIAN HAS NOT TAKEN BASIC STEPS TO ENSURE THE ACCURACY OF THE INFORMATION BEING REPORTED. Experian has used a 'code ' to identify information as opposed to consumer 's actual personal information or requesting XXXX to supply actual documentation and has therefore caused harm to the consumer for willful negligence and willful noncompliance with FDCPA and FCRA XXXX when the consumer requested a investigation. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute Experian responded with a generic response that did not address specific complaint of consumer to validate information being reported by XXXX XXXX.
Today, XX/XX/19, I received a hang up phone call from American Adjustment Bureau. I have notified them twice that 1 ) there was no date on there attempt to collect a date and 2 ) this is not my debt, please stop contacting me. I have numerous letter and have had numerous phone calls since my notifying them.
We submitted a short sale request to XXXX and the short sale was approved on XXXX/XXXX/2016. The approval was good until XXXX/XXXX/2016 but we were told to close by XXXX/XXXX/2016 ( a Sunday ) or the loan would be service transferred. We submitted the recorded documents to XXXX on Monday XX/XX/XXXX2016 as is required and was told that the loan had been serviced transferred on Tuesday XXXX/XXXX/2016 AFTER XXXX had received the funds and the recording documents. The representative let us know that they had sent the short sale funds as well as all related documents to Nationstar. ( Final XXXX & XXXX XXXX Deed attached ) We contacted Nationstar and was told that we would have to wait until the loan had been " boarded '' before they could let us know the disposition. In the meantime, I had moved out of my property on XXXX XXXX, 2016 as required by the purchase contract. 
Nationstar has received the short sale funds and my realtor has been in contact with them and has sent them every document that they have requested. On XXXX XXXX, 2016 we received an approval letter from Nationstar with a request to have additional paperwork signed and notarized. ( attached ) These documents were immediately sent back to Nationstar that afternoon. 

As of yesterday my Realtor was told that the file was in the closing department and we should have word that day. 
My Realtor has been calling and emailing all day and there has been no response from Nationstar. 

The transaction closed on XX/XX/XXXX,2016 and XXXX service transferred this loan even though they were aware that we were closing. Nationstar has in its possession the short sale agreement, the recording documents and the money. This is unfair! I am living in a motel because I ca n't move forward until this transaction is finished. I need help with Nationstar, they gave their short sale approval but are making us wait for a transaction completion letter. HELP!
I contacted the credit reporting company XXXX and XXXX that I had contested California account services collection service account listed as a negative on my report. I contacted the collections, they sent me a packet of nothing but bills. As suspected there was no proof other than a stack of bills. With XXXX a name on them no ID, No passport and no proof. As I had suspected.., it was not my account. I contacted XXXX and XXXX on XXXX and initiated a dispite XXXX quickly removed the account from my credit report!. XXXX is l still in process. California account services posted account to my credit as well as others damaging my credit as a result I loss my job of 24 years have no car to get to a job. Of equal pay and career level of XXXX. 
After winning at XXXX I received a poorly printed letter in the mail telling me they had raised amount due from? XXXX to XXXX over night. These people need to be reminded that they are trying to collect account from the wrong person and XXXX needs to follow and remove this account, As well. It is not ok to ruine some ones life on a bunch of bills with out any proper photo id on file, no copies of any ID. Just a stack of bills with names printed on them. 
I 'm sure the hospital treated Some one, but it was not me. Please remove from XXXX and provide documentation that the account ca n't be collected on in the future by being sold so when it appears again I have solid proof that it has to be removed
I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.
All XXXX credit reporting companies, XXXX, transunion, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with XXXX credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all XXXX of credit history that I deserve.
My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted XXXX XXXX and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what XXXX XXXX has done to be unethical and inappropriate ; and I want this reporting removed off my personal.
My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms. 

In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors. 

I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic. 

In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap. 

During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans. 

That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to you.
Equifax mishandled my information putting my family and me, and millions of others at mental, physical, and financial risk. I am extremely disappointed with how Equifax has handled reporting this breach. Little if any effort appears to have been made by Equifax to notify the public. It has been nearly a month since the breach and Equifax made no effort to contact me by email, letter, phone, TV, or radio. I found out about this alarming situation first from XXXX. 
Going forward Equifax should be required to monitor every account at no cost to the victims, and to notify victims free of charge and immediately if any fraud occurs. Credit fraud protection should be mandatory and free for every account. 
This should be made right by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd and a waste of local funds and resources when Equifax clearly has records of all those affected.
I received a garnishment judgment on XXXX the XXXX. This year. From Midwest Acceptance. For a auto loan I didn't file for. They used stolen information. I don't have a vehicle from them nor would I have tried. Midwest Acceptance has stolen XXXX dollars from my pay on XX/XX/18. They used a address I have never lived at. I have filed identity theft fraud on my credit. But, they will continue to steal my money.
I have been paying regularly every month to try to rid myself of this predatory loan for YEARS. XXXX XXXX passed MY loan onto this criminal enterprise called NES and NES continues to find a way to INCREASE the balance of the loan despite receiving {$3500.00} worth of payments from me in XXXX alone. I even paid twice one month on this loan and the balance of the loan has gone UP. This collection agency National Enterprise Systems has not explained how this is possible. They have NO signature from me agreeing to any new loan terms that would cause the balance to go up. 
On XX/XX/XXXX, I checked the balance of this loan ( document attached ). I CONTINUED MAKING payments. I made {$530.00} in payments in XXXX alone. - after getting over {$500.00} from me in addition to the regular {$330.00} I've paid each month, the loan balance INCREASED by more than {$150.00}. 
There is no way this can even be legal. I have been PAYING THIS LOAN. {$330.00} per month for YEARS. And the balance continues to CLIMB. I have pleaded with your office for assistance. Please note I graduated in XXXX and this loan is 23 YEARS OLD. Despite my efforts to pay and get this burden off my back, the balance NEVER goes down. NES continue to lie with NO EVIDENCE showing I agreed to ANYTHING and NO evidence showing they explained ANYTHING about how they can add to this loan despite GETTING PAID and despite me not agreeing to borrow ONE additional penny. I was advised by phone that the amount I needed to pay to get the principal balance to go down was {$330.00} per month. Every time in the past I has ASKED NES to please review the TAPES of my phone calls, they lie and say there are none even though their voice recording on the phone SAYS they record the calls. 
CAN YOU PLEASE HELP ME!? I am being ROBBED and no one who is able to assist will even bother! They HAVE NO legal standing to keep ADDING TO THE BALANCE when I am DOING WHAT THEY TOLD ME TO DO TO LOWER IT and they have NO signature from me agreeing to anything different. 
I have contacted the MD State Atty General 's Office to request that suit be filed because XXXX XXXX LIED about the terms of this loan and they are pretending to not have recordings of the calls where their representives LIED about the terms of the forebearances and LIED about the interest and failed to present all possible options for loan repayment. Mr XXXX XXXX, the atty general is too busy trying to become famous for fighting w/ the president over immigration to take action even as other states such as Pennsylvania and Ohio and have had much success in class action suits against NES and XXXX and other predatory loan sharks. And now I've been passed around to this collections agency who keeps RAISING THE BALANCE OF THIS LOAN DESPITE GETTING PAID and has not given me a single word of information about how they can legally do that. NO ONE WILL HELP ME.
I recently contacted a credit card company through my bank to apply for credit to pay for a roof that my house needs. I want to know how much credit I will be extended before accepting the card they can not answer without issuing me a card. I do n't see you why credit card companies ca n't tell the customer how much credit they will extend them before signing them onto a new card???
I was a victim of identity theft in XX/XX/XXXX/XX/XX/XXXX for the sum that XXXX XXXX has been trying to collect {$560.00} for with their attempts. This account was initially with a previous collection agency and I disputed it as fraudulent account and it was sent back and it was then placed with XXXX XXXX. XXXX XXXX  has been trying to collect this sum when that balance does not belong to me. That account was opened and used at an address that I have never resided with a phone number I have never had. I have never lived in Georgia, I have never been to Georgia. This address is still even listed as a previous address on my credit reports that I am actively trying to remove. It is a fraudulent address and account that was made with XXXX. I had provided a XXXX representative with my case number to rectify the case of the fraudulent account but my info was still forwarded with a balance to collections which XXXX XXXX currently has. I am attaching the initial police report for this fraudulent XXXXXXXX account and would like for XXXX XXXX to cease and desist with the letters for payment on an identity theft account and case. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX , GA XXXX
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I went to school on line that was in XXXX, Illinois. At the time I talked with them I informed them that I couldn't afford college because I was on limited income and retired. They kept telling me to stay with the program and that I wouldn't have anything to worry about. After 2yrs, my loan was {$20000.00} and now it is {$28000.00} which I c n't afford to pay back. I am at my wits end because I want this off of my credit report.My loan started back in XX/XX/2009. I have tried forebearance twice but again no one told me that my interest rate would keep going up. Please can someone help me.
I was told by Sallie Mae that forgiveness is available for my PRIVATE college loans, but have had difficulty in getting clear, precise information,, I have read and been told that forgiveness for private loans doesnt exist, Sallie Mae told me after 80 monthly payments the remaining 60 % of my college debt would be forgiven,, I am trying to determine if this claim is legitimate before signing a loan with Sallie Mae
I had XXXX XXXX on XXXX XXXX, XXXX and was unable to work for a few months. I returned to work XXXX XXXX, XXXX. In the meantime I was waiting for my short term XXXX to pay for the time I was scheduled off due to my XXXX approved XXXX. I finally received my payment on XXXX XXXX, XXXX. I am the sole provider to my household and fell XXXX months behind on my mortgage payment. On XXXX XXXX (? ), I contacted my mortgage company, Chase Home Finance and informed them that I was receiving my back pay and would like to schedule my payment to bring my account up to date. I scheduled {$2100.00} to debit from my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) on XXXX XXXX when I can be assured the funds would be available. I waited for the payment to post which never happened. On XXXX XXXX, I checked my account on chase.com to see the payment was reversed. I immediately paid the payment in full through XXXX XXXX  who charged me {$89.00} for fear that I would lose my home. I contacted XXXX who said the payment did not process due to an " error '' and that I was still going to have a late payment sent to the credit bureaus. This is not fair. The money was in my account, it is not my fault Chase 's computer systemed errored my payment, I had to pay XXXX XXXX {$89.00} to get the funds there immediately and then I received certified mail a few days later XXXX letter was dated XXXX XXXX, XXXX ) stating an intent to foreclose on mortgage. Why did I pay {$89.00} to have the funds there immediately and still receive a letter. I should n't have a negative reporting on my credit report b/c it was not my fault the payment was late. The envelope sent to my home clearly read at the bottom " intent to foreclose '' so everyone can see. It is none of anyone 's business if I am behind on my bills due to an unexpected illness. My children saw it and became scared. I had to reassure them it was a temporary set back.
I 'm XXXX at a state university. I have been contacted in my office by Windham Professionals, presumably regarding the student loans I am behind on. They were very rude first to my office mate then to me. They would first have had to contact the XXXX department 's main office as I do n't give out my office number. I am only in my office a few hours during the week which means they would have to have spoken to someone to determine when I am in. Moreover, I share my office with XXXX other people so this is humiliating and a form of harassment for them as well. This is humiliating and completely inappropriate contact and I consider this to be harassment. I want it to stop immediately or I will consider legal action.
I have sent in my disputes twice now to Experian and they keep sending me stall letters. I have sent them the information needed to dispute my credit report.