WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is against Synchrony Bank. I had obtained a new central heat and air conditioning system through a local company of XXXX and financed it. XXXX arranged for the loan through Synchrony Bank and payments of {$640.00} per month were handled through an account titled " HOME DSGN XXXX '' and were withdrawn directly from my bank account with XXXX XXXX. The loan was scheduled to be paid off in XXXX of 2016. The withdrawals of {$640.00} per month ended after XXXX, as expected. However, new withdrawals of {$35.00} per month started. At first, I assumed that there must have been a small carry-over of some type, but the withdrawals of {$35.00} per month continued. I called XXXX to ask why they were continuing with these withdrawals, and they said that they did not, that my account was paid off. I asked for a telephone contact with Sychrony Bank, which they gave me. I called several time and was never able to get through to anyone. In XXXX of 2016 I went to XXXX XXXX and asked to have the withdrawals stopped, which they did. In addition, they pulled back the payments that had been made. 
I received a letter from Sychrony Bank, dated XXXX XXXX, 2016 acknowledging the cancellation of the automatic payments and indicated that I would now be responsible for making my own payments by mail, plus the late payment charges. On XXXX XXXX, 2016, I sent a hand written response, indicating that I found the charges fraudulent and that XXXX reported that they had not authorized any collections. In addition, on XXXX XXXX, 2016 I sent a certified letter to Sychrony Bank, utilizing the process that their bills posted as the method of challenging amounts due ( copy enclosed with this complaint ) ; I also asked for an acknowledging that they had received a letter, in addition to the post card I would be receiving from the certified letter. 
They charged late payment fees of {$35.00} each time for these fraudulent charges, as well as interest and posted a late payment charge on my credit report. The late payment charges for 2016 were {$68.00} and interest in the amount of {$56.00} ( according to their bill ). According to their bill and the information from their customer support, I owed a remaining balance of {$120.00}, which I included with my letter, just to stop the process and demanded an immediate termination of my account with them. 
I have never received a response to my letter nor a confirmation of the cancellation of my account with them. I did receive an email, indicating a balance of XXXX, but no comment about my request that my account be closed, and no mention of any refund of wrongfully collected funds.
Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service. 

After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record. 

I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 

Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX. 

I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

XXXX, XXXX XXXX
I received an email from Mountain Summit Financial about me being preapproved for a loan so I contacted them about getting a loan but at first they were trying to charge me way too much interest in the loan but then they agreed to a better price and I was supposed to be paying them two payments of XXXX. The first payment was due on XX/XX/2017 and the second payment was due on X/XX/2017, but today I was going to tell them they can just take the XXXX that is due on X/XX/2017. But, due to my surprise when I typed in their website publications popped up from the Better business Bureau and other government sites saying that Mountain Summit is not licensed to conduct payday loans or collect on them and that they are currently being investigated by the BBB. The Washington State Department of Financial Institutions urges consumers who have gotten payday loans from Mountain Summit Financial to contact the Federal Trade Commission to report identity theft because of the nature of the personal information that has been collected by this unlicensed company. Because according to them that have not right to issue payday loans or collect on them. So today on X/XX/2017 I contacted Mountain Summit Financial to ask them about these allegations and their current investigation and to get clarity on their situation because I currently have a loan with them and I do not know if my information is safe or if this loan is legal. However, they would not answer any of my questions and so I informed them that I would be contacting the BBB and the FTC to figure this out. In the case that they are not properly licensed or certified to conduct this type of business I want my loan to be forgiven and I want insurance that they will not use my information in any type of way.
XXXX has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.
simons still has not cleared credit files of collection attempts on my reports as per client all should be removed see attached
I have been repaying my federal student loans since 2009 and was told I earn interest everyday and none of my monthly payments go to the principal just to the daily accruing interest. I owe as much now as I did in 2009.
Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX ALL OTHER NEED TO BE DELETED
My loan servicer is : Oklahoma Student Loan Authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I want to be able to make auto deposits while in school while no monthly payment is due. I want to do so to begin paying down student loans and reducing the total amount of interest paid. 

OLSA will not allow direct/auto deposits. OLSA policy is stated as such : " You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit. If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. '' Such a policy is a predatory lending practice because it reduces the likelihood of paying down the balance of the loan ; therefore, increase the amount of interest the company can collect from students. Auto deposit should be available to all student borrowers at all stages of the loan to encourage loan repayment and minimize the amount of interest a student accrues. 

Please help me in activating this simple feature that should be available to all. 

Best, XXXX XXXX
The school obligated me into a contract when I was a minor. I want the debt removed from my credit bureau and forgivin since a minor can not be put into a legal binding contract.
I was supposed to have income based repayment because I lost my job, but suddenly I started getting default statements. I put all of my loans into consolidation with XXXX and while they were in the process of consolidation Navient pulled XXXX of my largest loans and placed it into " recovery ''. Now all of my other loans have been sold to the DOE and I 'm being harassed by collection companies for the one loan Navient took.
i was called on XXXX/XXXX/2017, by Midland Credit Management from the phone number ( XXXX ) XXXX a woman asked for my son XXXX XXXX. I told them he does not live here. They asked if they could call me back. I replied " No ''. The lady asked me a second time if they could call back. I again said " no ''. Then she asked me a third time if she could call back. I shouted at her that I had said " no ''. I asked how many times I had to say no to her and for her not to call me back?
I was contacted by my former employer on XXXX/XXXX/2017, that XXXX XXXX had called the business asking for my son. I consider this harassment. I told them not to call me anymore so they called my former employer. The woman on the phone told him her name was " Heavenly ''. She said it regarded a personal business matter. Her phone number is ( XXXX ) XXXX. Extension XXXX.
I am a third party. This debt has nothing to do with me.
Since approximately XX/XX/2018, i have attempted to receive my free annual credit report from Equifax. Whenever I attempt to login, I get an error message stating that the information I entered does not match what Equifax has on file. After about a week of this occurring, I contacted Equifax 's consumer assistance line. The agent who I spoke with stated that they were having an update and that's why I'm unable to sign in to receive my report. Ok, fair enough. I ask to be sent a report. The absent states she can not do that as their computers are updating as well. Odd, but I accept it. Over the course of the next 2 months attempting to access my free report ( legal right ), I am denied each time with an update being the reason everytime. One day, XX/XX/XXXX ir so, as I'm speaking to an agent in the fraud department- how a fraud alert was requested by me I'll never know, as I still haven't received a report from Equifax . I digress. I explain my frustrations of a two month update. The agent confirmed my suspicion. There's no way that Equifax could run a two month long update and still operate. He has no idea why they were lying. He verifies my identity, removes the fraud alert, and proceeds to confirm my current and previous addresses with me, checking for spelling as well. I attempt to log in. To no avail. Despite my persistence, I am unable to access my report. This past week, I have discovered the reason. Equifax keeps changing my address despite the TWO address verifications I sent in. Equifax is denying me my right to my free report.
On Saturday, XX/XX/XXXX, I logged online to check my XXXX Card ( issued by XXXX XXXX   ) account prior to ordered a sample backsplash tile to update my kitchen. Upon checking my account balance, I was startled to learn that my available credit was {$19.00}. I was surprised because I knew I should have had more than {$300.00} in available credit, with a balance of {$370.00}, which put my utilization at a little more than 50 %. On XX/XX/XXXX, I received an email ( and a few days later, a posted letter ) alerting me that my credit line had been increased. Only after that did I make another purchase of a little less than {$100.00}. I have done nothing but pay my bill on time every month, and I usually pay a little more than my minimum payment each month. I called tonight, XX/XX/XXXX, and was told that the bank must have received information that made it lower my credit line increase. While on hold to speak with a supervisor, I checked my credit score and learned that my score was updated just today and has been steadily rising. In fact, with XXXX now dropping my credit line, my credit utilization has sharply risen to 90+ %, which will definitely have a negative impact on my credit. 

My issue here is that with an offer of an increased credit limit, my use should have been acceptance of the offer. Therefore, their reneging on the terms seems less-than-honest, especially for a customer who has consistently paid on time, and this will have a supremely negative impact on my credit report in a way I had no control over happening. Additionally, while I understand from speaking with the supervisor tonight that a letter has been mailed, it is a poor policy to drastically reduce a credit line without so much of an email saying that something changed on my account, allowing their customer to be shell-shocked by a suddenly-increased credit utilization on their account. I am disappointed in this company, and I am seriously considering whether I want to continue doing business with this company. While my {$390.00} may not be significant to XXXX, it is significant to me, and I will make sure everyone I know is aware of the shady practices this company displays to faithful customers who pay on time and never exceed their limit.
I received a gas bill collection notice from a recovery company stating I owed over {$2400.00} for a past due account. When I called the recovery company they told me it was for an address related to my husbands business. When I told them of their error the man on the phone told me that I was liable for the account under the Family Necessities Act. Basically that I am liable for anything that relates to the household. He then told me that I would need to call an attorney as they were moving the account to a judgment against me. 

When I reviewed the Utah Law, it is clear that if this were for our home gas bill I would understand. But he would not listen to my complaint even though on their billing notice it says XXXX XXXX  XXXX XXXX. Again, clearly indicating he was in error. The account itself says commercial. 

The address in the account when XXXX shows it is a business - not a home. I cant afford an attorney and want them to clear up the confusion rather than telling me they are filing a judgement against me.
Citibank took away XXXX points that I earned as bonus to open a credit card with them, potentially worth {$500.00}, from my rewards points account without warning, and refused to reinstate or in any way compensate when I contacted them.
I have a loan with CAPITALONE. 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 XXXX  and CAPITALONE with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX.
This is in regards to the data breach, reported by Equifax. 
They allowed, through inaction or negligence, my information to be stolen from their company servers. I am now having to place freezes on my credit rating and watch for fraud because of it.
I applied over the phone to get my yearly free credit report from all XXXX reporting agencies. All three sent back a letter, stating that I would need to send a copy of current Driver 's License, a copy of a Bank statement and Utility bill. I sent this info out and received my credit report from XXXX and XXXX. I then called Transunion to ask about the delay and was told that they were unable to read the copies I sent out. I had copies for myself and had no problem reading them. I then sent out XXXX copies of Driver 's License and Bank statement ( which were copied in color ). I was told this time that the Driver 's License could not be accepted because I had it longer 2 months. Which make not sense at all! So now I am left unable to get my report from Transunion.
We Continue having a credit reporting issue, from all credit agenc y Trans Union,  XXXX ,  XXXX . Reporting that we still have an auto loan from   XXXX   XXXX   XXXX    XXXX    that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement
Still no complete explanation to my complaint. 
1. Never received a copy with my signature that I was informed that BB & T can steal money from one account and place it into a separate account. This request was made on three separate occasions and obviously denied. 
2. No explanation as to why I was lied to when I opened this account. I was promised that XXXX account is completely separate and my funds were safe from the XXXX account opened at the same time. This prove to be false and fraud. I am sure the conversation was recorded in the office through the numerous bank security cameras present. Had I been truthfully informed of my right I would have opened the second account in a different bank allowing me to purchase my medicine and pay my bills. 
3. I informed BB & T that I would not discuss this over the phone but only through a format that I can have a hard copy record of what was discussed. Despite this no call warning I am continually harassed by BB & T phone call several times a day.
In previous complaint,XXXX I advised that Credit Bureau Collection Services, had contacted my primary number. At that time they had taken part in 3rd party disclosure as advised in complaint listed. I at that time on XX/XX/18 I advised this company of my wish of a verbal cease and desist. Advising them to no longer contact myself by phone, I only wanted to correspond through my verified mail address. On XX/XX/XXXX  at or around XXXX I recived a call from this company from phone number listed ( XXXX ). They were attempting to collect the medical debt once again via phone. This company never supplied me with a validation of debt, nor a chain of custody agreement as I requested. They are now not only violating my rights as a consumer, and my legal verbally cease and desist order I provided them by again calling me, they are now also violating yet another law. They are foreshadowing the validation period, by attempting to collect and taking part in collection activity of the debt prior to myself being provided the validation paper work that I verbally requested on XX/XX/2018. The law states that they must refrain from collection activity for 30 days, after they hav supplied me with the validation paperwork I requested.
On the first few days of XXXX I decided to transfer my mortgage to Sun Trust Banking, and I started the procedure. I was advised that one,  XXXX XXXX XXXX, would be handling the new account for me. I made it clear that I would require that I maintain my own escrow, in the past I have met with many problems concerning the escrow. I was assured that I would continue to handle my own escrow. XXXX XXXX went on a XXXX vacation and told no one about what had transpired between him and I. I was told that XXXX XXXX would be handling the mortgage transfer, I was called by XXXX XXXX XXXX, XXXX XXXX XXXX, and none of the above people knew what XXXX XXXX was doing or had done!!! I got a call from XXXX XXXX {? } telling me that he would take over the account, I ca n't get a hold of him either. I spoke to a XXXX XXXX XXXX, he told me that he would handle the account and get to the bottom of this problem. I was promised that I would be able to handle my own escrow account, as I have in the past and I am at present. Now I am told that I may not be able to handle my own escrow, by law. I have had this problem of the escrow being handled terribly. I have had a total of six people trying to get this handled and so far, nothing. I am hoping XXXX XXXX XXXX can handle the problem and I turning to you to further expedite the process.
In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XXXX I got a letter that my vehicle loan had been purchased by Santander and that 's when the problems started with Santander. If I was late with payments, Santander called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to Santander to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. Santander wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
I have an item on my credit report from Transunion, XXXX, & XXXX that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
I got a call from XXXX and the caller name XXXX from XXXX XXXX and XXXX XXXX XXXX. Called me and left a Voice Mail at first and saying that I 'm being sued and need to contact them right away to settle it before submitting the case. Then when I called I ask for a written validation to confirm. But they said that they already send one back in XXXX 2015, but never receive and they refused to send another letter but will email me the letter. So I told them I want a written and still refused. Now I asked for her name, the company and the address and already saw a bunch of complaints regarding to this phone number and Company.
Received call from debt collector stating that an attempt to collect a debt. I politely required an invoice to be mailed to my house with instructions on how to pay. She declined and stated that the acts they get people do n't even know they have them and that she had no further details to offer me. I have not stayed at that apartment she stated in over 5 yrs and that I had no problem paying the money if I truly owed them by providing proof of what the debt was for? She stated I was " staling ''. Which if the representative stated that most debt they have people do n't even know they have it, how can people pay something they do n't even know that they 're suppose to pay?