WillisBack/dataset-financial-user-claim huggingface dataset:
I recently needed to have my XXXX XXXX XXXX  due to them being 20 years old. I went to XXXX XXXX. They recommended greensky because they said insurance would not cover it. Mind you they did not file a claim with the insurance. Anyway they got all my personal information and applied the credit. The procedure was to cost XXXX. I was approved forXXXX. Well apparently Greensky allowed XXXX XXXX to charge up the entire balance of XXXX leaving a XXXX balance. When I called to refute the extra charges they pretended to not know that happened and said they couldnt do anything.
I responded to an email offer for a   XXXX   XXXX   XXXX ,  the email offer clearly stated that there was not an annual fee for the card.     However, they are billing me {$99.00} in installment fee 's for the annual fee, that I was advised I would not have.     I called the presidents office for  XXXX  cards and spoke with  XXXX   XXXX  ext  XXXX  she advised me she would check in to it and call me back on Monday  XXXX / XXXX /  XXXX   Her call was never received, and I have not been able to reach her again.
Portfolio Recovery Associates has two accounts with false information. They have purchased two debts that should have been removed from my credit by now. One is XXXX XXXX for {$3400.00} and are reporting it opened in XX/XX/XXXX. This account was opened in XXXX. My last pmt was in XXXX XXXX. This needs to be removed from my credit immediately. The 2nd account was thru XXXX XXXX for {$1700.00}. They also show this opened in XX/XX/XXXX and it was opened around XXXX as well. My last pmt on it was also aroundXX/XX/XXXX and should be removed immediately. They won/t take this off my credit reports and continue to use the wrong dates and false reporting.
This complaint is in regards to a previously filed complaint # XXXX where you have all of the previous claim information. I have been in constant contact with Wells Fargo Since XXXX of XXXX regarding this complaint. I have been dealing with XXXX XXXX at the office of the president of wells fargo. I have sent him all of the necessary information he requested along with any additional information in regards to this complaint. I was promised in writing by wells fargo they would have an answer by XX/XX/XXXX. I did not get an answer and had to contact them again. I was told the process was taking longer than expected but they were still working on the issue with their legal department. I contacted them again a week later to inform them about a letter I received from XXXX and sent XXXX that information. He requested more information about the dealer which was provided to him. I was promised again he would get back to me with a resolution. I have every contact letter along with every email correspondence. The only response I received after all of this was a letter dated XX/XX/XXXX stating the issue had been resolved with the local XXXX dealer and to contact them if I was having problems making the monthly payment. Wells fargo is completely aware of the manufacture defect with this vehicle and still wants to enforce a loan on an unsafe vehicle. I have asked for a refi, which they denied with no explanation, they promised to help with the current complaint and deliberately failed to respond in a timely matter, even though they were provided with all of the necessary information requested. I have been paying for a vehicle that have should have never been sold in the first place since XXXX and have been dealing with this issue since then as well. Wells fargo does not want to help it's customers and will not do anything to remedy this situation. I have already informed them I will not continue to pay for an unsafe vehicle that has no permanent fix putting myself or my family members in harms way. Wells fargo is already in trouble for unethical business practices so it is not a surprise they will not help in this situation either. Wells fargo needs to refund all of the money I have paid for this vehicle since XXXX and cancel the loan as well. This car is dangerous and wells fargo knows that as they acknowledged it is a manufactures defect in their letter. If wells fargo does not take care of this loan asap I will contact the news, other agencies, and file a lawsuit immediately.
I have a loan with EXETER FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
I have had fraud charges that the bank refuses to investigate or support evidence that they have investigated the charges. I have {$8600.00} in fraud charges and they refuse to investigate vendor, do not support any documentation to support their decision.
Brite Financial phone lines have been down for months. There are no live agents available to take your call. My account is only 1 month behind as of XX/XX/18. The email suggests they are going to repo the vehicle. My car note is behind because I have to pay over {$700.00} in repairs. Vehicle has a check engine light and I will be unable to register plates. I responded to the threatening email and proposed a solution of $ XXXX/week to get lease caught up.
I have complained several times because of this Navient. They are the biggest criminals out there period!!! 

After complaining about payment distribution troubles and unknown charges and having made so many payments in the last years and principal balance not going down they said I need to make larger payments. 
So after hearing this I decided to have my family help me and I made a payments last month for XXXX dollars then XXXX dollars a few days ago XXXX dollars. Having said that, Navient has realised that I am making larger payments so they decided delaying the payment processing on purpose. When I was making my payment a few days ago my balance was XXXX dollars less. Because of this delay now its more as you can imagine so they are delaying the processing so that more money of my payment goes towards interest. There is no reason why payments made electronically should be delayed for several days XXXX days to post those XXXX days cost me money in interest everytime. I have made a payment on tuesday today is saturday my payment has still not posted i have checked everything with my bank and all is ok it seems that it is just them delaying it. Besides that i have always made payments the same way though the same bank and have never had trouble before so dont know who or why my payments are delayed suddenly now after i am making larger payments. I have talked to Navient and they said that it sometimes takes a longer time to post payments and they cant control that. I was told they cant do anything which is incorrect and my according to my attorney they can not do that. I have a credit card with citi when I make a payment through my bank online it applies immediately. Why does Navient not have something like that and if not fine but then at least give me a credit back for the days it took you to process my payments because you can imagine how quickly this business can start to earn money imagine if they only took a dollar per delay to how much that adds up to. If they are truly that what they claim they are and if they want to help students pay off their student loans faster then dont take money from students. Shame on you!!! This is just one example of the so called micro-theft you do to students thinking people are stupid they will not realise when you take a few bucks from them. So sad.
I am in active XXXX bankruptcy. My plan included payment of mortgage arrears to Nationstar mortgage. Nationstar modified my loan in XX/XX/2016 and rolled all of the arrears ( about {$14000.00} ) into the modified loan. They never filed an amended proof of claim with the trustee, so the trustee continued to send them funds to pay the arrears. I called Nationstar asking where that money was going, they had no idea. I called the trustee and they said they were still paying Nationstar for the arrears, which no longer exist. So Nationstar has been pocketing all of the money sent by the trustee on my behalf since XX/XX/2016, a total of {$1900.00}.
Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due sinceXX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XXXX  and TransUnion by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
I tried to open a bank account, and have been getting push back because I am being told EWS has a low score for me. I am a victim of identity theft and have only had one bank account ever and that is with XXXX XXXX XXXX XXXX. I have about 12 accounts listed and that isn't me or none of mine.
Refer to my previous compliant ( XXXX ) regarding negligence servicing by " Ditech '' Company, and despite their letter of apology and their claim of correcting their error, I just received a " Notice of Default and Intent to Accelerate '' letter from them dated XXXX/XXXX/2016. When I called their representative they are not able to tell me how they determine that I owe them a balance ; moreover, I have all documents proving the I have made all of my payments accurately, properly and timely. They have caused me a great amount of anxiety and distress by their incompetent conduct in servicing my loan.
I mailed 3 separate written letters to TRANSUNION requesting them to validate accounts listed as XXXX, XXXX, XXXX XXXX XXXX XXXX Bank under my credit report. With every letter, I included notarization with copies of my identifications to prove my identity. I also mailed all of those letters via certified mail as evidence. 

Nonetheless, TRANSUNION has failed to verify the 4 items as they havent sent me any documentation with my signature on it. All the letters I received from TRANSUNiON seem to be generic responses since it 's the exact wording. Those responses say verified yet I dont have any verification as proof like I asked for in my letters. 

Letters were mailed on the following dates to TRANSUNION : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I spent money multiple times on Notaries and in Certifying Mail services attempting to resolve this with TRANSUNION. 

On dates : XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX they mailed the same response yet it seems they ignored every one of my 3 letters as they didnt address it accordingly. There werent any changes made, just a generic response to meet the 30 days they have to respond requirement. 

( Copy of everything attached )
On XXXXX-16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
I am writing because Western Union is not taking sufficient steps to prevent fraud or identity theft against consumers. I received a letter in the mail stating that I had transferred funds on a specific date and that these funds had not yet been retrieved. As I had never transferred funds through Western Union, I contacted their Consumer Fraud Hotline. After explaining the situation and citing the specific letter I had received, the representative was able to tell me the location of the transaction and that cash had been sent using my name, address, and date of birth. I explained that I had not made that transaction and that I did not know the person to whom the funds had been transferred. Even after explaining this, the representative failed to even apprehend that I was trying to report a fraud. He simply offered to refund me money. I explained that I had not actually lost any money, as someone else had sent their own cash using my name, and that I simply wanted to report fraudulent activity. He stated that all Western Union could do was to block any use of Western Union under my name ( such that, even if I myself wished to use Western Union in the future I could not do so ). I asked if there was any way to notify me if someone tried to use my name in the future. He stated that there was not. I then asked if he could send me some confirmation that any use of my name would be blocked in the future. He stated that they did not have the capacity to do so. I asked to speak to a supervisor and he also refused to either send me written confirmation that use of my name to transfer funds would be blocked in the future and also stated that they could not notify me in the future if someone attempted to use my information to transfer money. I expressed concern that this was inadequately protective of consumers and the supervisor still stated that there was nothing more that he could do. He did not offer to open an investigation into the individual who had made the transaction ( even though the name of the recipient of the fund was listed on the letter I received and provided to Western Union by me ). This supervisor 's name was XXXX and his identification number was XXXX, a supervisor in the Consumer Protection Unit. The conversation took place on XXXX/XXXX/15 at about XXXX XXXX.
I have attempted to make payments and as of the last time I spoke with the XXXX XXXX customer service in XX/XX/XXXX my accounts were paid and in good standing. When I would log into my XXXX / Synchrony Account card online it reflected a minimum payment that was due in XX/XX/XXXX but did not reflect any other issues or delinquency with the account. Then one morning I woke and my credit dropped 90+ points and stated my XXXX/Synchrony Financial Card was past due - so I logged in online and again it reflected a current account. However, I paid an amount to determine if it would move out the due date, it did. I made a payment and it reflected a due date of XX/XX/XXXX.  When I attempted to contact their collections and customer service department they just kept arguing with me and telling me this is collections and my account is current - then they advised they haven't rec 'd a payment from me for months. I advised them to check their contact records because I called and set up payments with them and have not heard from them until I noticed my credit was impacted and paid right away. They co n't to try to transfer me, talk over me, argue with me and ended by just keeping me on hold.
Harris & Harris contacted me on XX/XX/2016 via my private cell phone number at around XXXX pm EST. After telling me that I owed something like {$140.00} for some type of medical bill, I was asked to provide my date of birth. I told the caller that I would not reveal my date of birth to a stranger over the phone. I told her that I believed that doing so was a risk as I did n't know who this person was. There was no information provided to me about the nature of the debt - what was it for? When was I billed last? I told the caller that I would not be able to provide my private, personal information such as my birth date to stranger, over the phone absent additional, confirming information. As a matter of practice, I do n't reveal my private information to strangers of the phone. Upon telling the caller that I would need more information, she became very aggressive and told me that I would be marked up for " refusal to pay. '' I told her that was nonsense and I asked her to send me another letter in the mail. She stated that I had already been sent a letter for debt collection and therefore I had refused to pay and therefore they would not send me another letter. I told her that I 'm sorry but that it could have been misplaced or otherwise and again asked for an additional letter. She refused and told me that she was officially closing my case as " refusal to pay '' and then she hung up. I believe this was the second time that Harris & Harris called me about the same debt. I responded the same each time - absent additional confirmatory information about the identity of the caller and the nature of the debt, that I would not reveal my private information such as my birth date, over the phone to a stranger.
I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. 

Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. 

I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. 

I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.
The Mortgage servicer assigned to my account refuses to on board me. They claim to not know who I am. They also claim to not be able to take a payment from me.
I took out a title loan with Loan Mart in XXXX on XXXX/XXXX/14. I paid approximately {$360.00} per month on a {$3700.00} loan amount. I made 16 payments and finally got in a position to pay them off. I made them an offer of {$3000.00} and they agreed to take it. They drew up a contract whereby they accepted this as payment in full. I signed, they signed, and I made the payment. a few weeks late they recorded a " charge off '' on my credit report. My credit score dropped almost XXXX points!! No where on the settlement contract did they indicate they would record a charge-off. If it had, I would n't have done it! I have called numerous times and they will not give me the time of day.
Calls from XXXX, up to XXXX XXXX times a day, auto dialer. After I have informed them, elderly are in the home, and the person they want is not here. 
.. Discover Card
On XX/XX/XXXX, I spoke with XXXX at Experian in regards to the account listed for XXXX XXXX XXXX XXXX. I advised her I paid this loan off in XX/XX/XXXX XXXX and received my title in the mail. I asked why this account was showing as a charge off. She stated that is what was verified. On XX/XX/XXXX, I submitted an online dispute in regards to this information and asked that the chargeoff be verified as correct. On XX/XX/XXXX, I received an emailed response that this information was correct and the dispute was closed. On XX/XX/XXXX, I submitted a typed and signed letter via certified mail to  Experian asking that they send me any correspondence from XXXX XXXX that they used to verify what they are reporting. I also requested a return signature. Not only did they not sign for the letter they also did not provide me with the information I asked for. On XX/XX/XXXX, I received a letter from Experian saying they would not re-investigate this issue. Again, they have not provided me anything in writing showing me how they verified this information. On XX/XX/XXXX, I called Experian and spoke with XXXX in CS and XXXX in disputes. They stated there was no open dispute on my file and that the letter I sent was n't enough to warrant a dispute. My letter is asking for proof that they are reporting information correctly not to dispute that the info isnt mine. They have failed to do so on more than one occasion.
I have attempted to verify requirements of the offer, but representatives were unavailable or required hour or more waits. I was to receive a {$300.00} offer after {$4000.00} dollars were directly deposited to my account.As such, I was purported to receive the bonus 60 days after the {$4000.00} requirement as  met : -  XXXX   XXXX   XXXX    XXXX  ,  XXXX  was directly deposited to the account, via  XXXX  payroll  XXXX   XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund, and, finally, -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited to the account via  XXXX  payroll ; As such, Bank of America h as offered an unfulfilled offer. The payroll was reoccurring, and the tax is, too.
Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. 
Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.
I cancelled my XXXXXXXX XXXX  service prior to eing evicted and they reconnected services without my permission and continued to charge me. I informed them when i cancelled that i was homeless and would call when i had another service address to reconnect.
Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.