WillisBack/dataset-financial-user-claim huggingface dataset:
It goes beyond struggling to repay. I was misled into the loan by  XXXX   XXXX  employees getting compensation. As well, I was not informed about the many loans they took out to pay for the loan including the variable interest rates. After graduating college and getting a job as an intern in the field to " pay my dues '' I deferred payment which I was explicitly told would not increase my interest. During that time I received an ungodly amount of calls, throughout the day and evening. I tried working with them, explaining to them my situation and they told me that if I could not pay the full amount, it did n't matter, I would default. Even when I was laid off and told them I could make partial payments from my unemployment checks, they told me no. In the end, it makes no sense. How does someone accrue  XXXX  of interest in one year?? I have been paying back thousands of dollars over the years but with the change of ownership, lack of experience from employees and always getting the runaround, my loan amount keeps increasing. They have harassed me, mismanaged my loans and on multiple occasions taken out more money than they were supposed too.   It has been almost ten years and my loan has not changed even after the years of automatic payment.   So much has happened and I can not get the records that they have hidden away. The conversations alone would especially validate my claims.   At this point, its become me versus city hall and I ca n't win. All of this should be incredibly illegal, but they keep getting away with it. Navient,  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to pay for what they have done to past students like myself. I am not a slacker, I work hard, make a living, but still can not be a fully functional member of society for what these institutions have done to me.
The address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is registering under my credit reporting since XXXX. I have never lived there but my ex fiance whom I had a restraining against does. I believe he used my social security number.
Transunion Date : XX/XX/XXXX File # XXXX 3 Accounts wrong : XXXX XXXX XXXX XXXXXXXX XXXX XXXX there are 3 loans shown in error as XXXX as late. 
Account original loan amounts are in error as well to the original loan. 
There are ( 3 ) loans showing all in Error there was not no late payment XXXX as showing on all three loans by Transunion I have not received any updated credit report showing these student loans corrected on my credit file as of XXXX XXXX XXXX corrected need an updated report sent to me as proof that Transunion has corrected this error on there part for information gather or obtain incorrectly by Transunion DOCUMENT FROM XXXX XXXX XXXX as proof that they sent Transunion a request to update error on my credit file
I held an American Express card for 1 year was closed down all of a sudden without warning and all my points ( ~ $ XXXX ) I had earned from purchases were taken back. I would understand if it was a sign up bonus that I had not earned, but these points were earned as a result of spending. I have contacted American Express over XXXX XXXX times in a span of 3 weeks and nothing has been done to return my rewards. I have held multiple cards over the last 7 years with American Express and for them to close down my account and take back all of the points without warning seems like an extreme punishment. Some sort of warning should be mandatory or at least payout the points earned. Please help me resolve the issue by having them reinstate my account or pay me out for the points earned. I have read of others who have also been shutdown without warning but were able to get paid out for their points ( which is an acceptable outcome ).
I've had nothing but problems since this company took over my XXXX mortgage only a few months ago. Most recently, I received a notice that my payment was not made for this month. I checked my bank account and saw that the normal payment was debited. I called the company and they told me that due to an escrow analysis, the monthly payment had increased for XX/XX/XXXX. They told me that the payment was made, but for the lower amount and the account was sitting in an unapplied funds status. I told them that I never received an increase notice or an escrow analysis. I only received a notice that they recently changed their name from XXXX XXXX to XXXX. I have had my mortgage for a while and never missed a payment and was never late, as I have my payment on auto pay thru my online banking. I asked if the late fee could be refunded as a one time courtesy, due to my relationship and history of on time payments. The rep told me that nothing could be done. I would like to have the late fee waived, as I have adjusted my payments to include the new increased payment and paid the difference to bring my account current. If nothing can be done, I will pursue other options, as far as taking my business elsewhere.
Sent in a request to correct credit file after sending validation letter to collection agency certified as required by law and receiving no response back. Credit bureau told me they verified info as my account. I requested their method of verification and received no r=further response. Response also took longer than 30 days. They are still reporting account as valid even though account was not validated as mine.
Complaint on Yield to High Deposit, Rewards, Missed Deposit and Reserves Prompted Balance At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX 0r 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Bank of America to become number XXXX twice in prior 10 year with net reserve BOA {>= $1,000,000} aggregate {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXXmonth multiply to XXXX cycle is {$25000.00} month, Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}
Was a student at XXXX XXXX College and I believe I was a victim of the predatory lending practices.I was also saddle with hight interest private loans that I did not know about until after I found out about there accreditation. And was Fortunate enough to get out. But I 'm still saddled wit almost XXXX dollars worth of bad debt. This was in XX/XX/XXXX and XX/XX/XXXX.
Wells Fargo that has a history of cheating people has cheated me out of XXXX. I closed this account in 2013 XXXX verified it and gave dates and times. 
I want my money back you over charged me for late fees and interest and committed fraud By keeping an account open that was closed and charging me late fees and interest on an account that you fraudulently kept open
In XXXX of XXXX, we were informed by US bank that our Mortgage payment in XX/XX/XXXX was going to increase from {$1100.00} to ( currently ) {$1200.00}. We were told it would stay that way until XXXX. The explanation was unclear. We are current on our mortgage and have not missed any payments in the years we were under the HARP loan modification program. As of XX/XX/XXXX, we got another notification that it would increase again due to an escrow shortage. I called US bank and spoke with Representative, XXXX who told me this was due to an increase in our homeowners insurance. After speaking with XXXX XXXX, they informed me that there was an increase but only by {$9.00} a month. US bank claims it to be {$38.00} more. There is an obvious discrepancy that we want investigated. We have had a long miserable history with US bank and have no confidence in the integrity of the company.We also had to battle them legally through 6 years of Bankruptcy for errors on their part that were eventually settled. This is our 3rd time complaining against US bank for unscrupulous practices. We owe less on the home and have been current for years so our payments should not be increasing. Please investigate so we can clear this matter up.
Transunion and XXXX failed to verify the accuracy of the account XXXX XXXX XXXX .The credit bureaus refused to reverse the late payments. 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. CFPB please step up and fix this ASAP
I lost my credit card with capital one and reported the fraud to them they told me they would hold the merchants responsible when I spoke to a representive that called me on XXXX/XXXX/2016 as of XXXX XXXX 2016 all the charges that were fraudulent we put back on my card now I have a balance of XXXX and change and when I spoke to a supervisor today they told me that they ca n't add the charges to the fraud report and to make payments on it first of all I 'm not going to pay for fraud and second I have XXXX different credit cards with capitalone and my savings and checking account they I was treated was horrible no one would help me and I was told to pay for fraud charges
I have paid this account in full and it is reporting to the credit bureaus that no payments have ever been made on this account.
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/2015 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Calling four times a day EVERY DAY after I told them not to and that it was excessive. I have spoken to them more than once about this.
I student loan of {$480.00} has turned, through defaults, and bank fees, to a XXXX debt plus interest.
Southwest Credit has been reporting a debt originally owed to XXXX that I do n't owe. I have tried disputing this several times directly with them, and the credit bureaus aswell. my last attempt was on XXXX XXXX, 2015. I honestly do n't think they are even reading the supporting documents or my letter. I received a response from them on XXXX XXXX, 2015 that '' once again they have updated my account accordingly '' Southwest Credit or comcast have yet to prove that this debt is owed to XXXX. I have clearly outlined in my supporting documents that I do n't owe this debt! Ive requested supporting documents from both XXXX and southwest validating what they claim I owe, and they have yet been able to do so. I 'm hoping you can help me put this debt to rest. Thanks in Advance for your help!
I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!
Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion.
Lost wallet, reported and closed card on   XXXX   XXXX   XXXX      Contacted Net spend due to amount being charged for replacing card {$10.00} Website states account can be closed and fee of {$5.00} would be charged ; check woul d be issued  XXXX  business days.   Account cancelled and check #  XXXX  processed   XXXX   XXXX   XXXX     Amount of my check : {$1500.00} Advised to wait  XXXX  business days  Time framed passed and I was advised to allow 5 extra business day for check to come.    Was told by supervisor named   XXXX   that if check was not received ; to call back and have check cancelled Check would then be cancelled and reissued in  XXXX  business days.   Called today   XXXX   XXXX   XXXX     and was told I would have to wait  XXXX  more days.   This situation has cause tremendous stress on my finances, me and my unborn child expected to arrive any day now. Please assist me on what to do.
I have paid an account with XXXX and reinstated my service with them and disputed this with the credit reporting company but it ask questions about personal history for security reasons and says I have a mortgage but I do n't have a mortgage and never have had one. When I say no it says my information does n't match so I ca n't submit the dispute and this account is negatively affecting my credit report when it has been paid for months now. Please help me fix this. It 's hard enough to make it these days without things like this happening.
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned.
had a vehicle through Prestige Financial services. It was repossessed back in XX/XX/2011.I tried to fight the company in court because they knew the engine had been bunked when we first purchased it.Fast forward I got a garnishment. The whole time that I have had this garnishment this debt has been reported on my credit report as late. how is that when it automatically comes out of my check twice a month.
Collections notice dated XXXX/XXXX/2014 for {$540.00} from XXXX of XXXX Florida has appeared on my Credit Report. No previous invoices or collection notices were ever mailed to me. There is no account number on the report from Equifax. I will be disputing this notice immediately, as I have and have always had XXXX XXXX and I 'm positive there is a confusion on their side. 
Plus, I had Identify Theft problems that appeared on my IRS 2014 taxes that the IRS made me aware of and I took immediate action to rectify that urgent matter.
Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side
My letter to Chase below outlines the issue : RE : 1 ) Account Number XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ) and 2 ) Account Number XXXX ( XXXX New Jersey XXXX, XXXX, PA XXXX XXXX Dear Chase Research Department Representative : We have been a Chase customer for many years, and have had approx. 20 mortgages with Chase, and never once were we past due on a mortgage payment. Two mortgages were recently paid off, and this letter is regarding those two mortgages, which are referenced above. We currently have 15 open mortgages with Chase. 

Recently, you removed the two above referenced loans from auto-pay, the loans became past due, and you reported us 30-days past due. Please see the sequence of events below, and consider adjusting the derogatory credit reporting from both accounts. 

You supposedly sent us letters on XXXX XXXX, which I verified were sent by your call center Rep, but we did not receive the letters. In the letters, you informed us that you would send us the payoff amounts by XXXX XXXX. 

You did not send the payoff amount letters, which I confirmed yesterday ( XXXX ) with a Chase Rep. during a phone conversation. 

Instead, on XXXX XXXX, you sent us past due payment notices, which we received on XXXX XXXX. 

We contacted your office the morning of XXXX XXXX. The Chase RepXXXX calculated a XXXX day per diem, and asked that we overnight the payoffs so they will match the balance he calculated. However, not once did he mention that our credit may be affected. 

On XXXX XXXX, we overnighted the payoffs to you. 
You credited our accounts on XXXX XXXX, and reported to the credit bureau agencies that we were 30-days late for the XXXX XXXX payments. 

We are applying for a refinance on our primary residence, and your derogatory reporting was brought to our attention because it affected our scores.
I have faced difficulties and obstacles as I approached the end of XXXX rehabilitation program. XXXX terminated my ability to pay online when only three payments remained. XXXX delayed and required impossible criteria to settle this debt. These practices promote financial hardship and prevent me from securing some of the benefits that are intended to ease the burden of financial difficulty. 

Fraud Civil Code 1572 ( 4 ), 1577 ( 1 ) XXXX altered the contract by changing the wording and dates without my knowledge. 

Defamation Fair Credit Reporting Act ( FCRA ) Accuracy of Report [ 15 U.S.C. 1681e ] ( b ),  Responsibilities of Furnishers of Information to Consumer Reporting Agencies [ 15 U.S.C. 1681s-2 ] ( a ), 1 ( A ), ( B ) ( ii ), ( D ) XXXX XXXX XXXX XXXX XXXX XXXX, contracts with Navient, which XXXX is a subsidiary, is reporting false information to the consumer-reporting agencies, XXXX  and XXXX. This prevents my ability to improve my financial standing.
I had a settlement agreement with  Northland Group  #  XXXX , ( A   XXXX   XXXX   account #  XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX     2015 have  call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.
XXXX XXXX is reporting incorrect information. I have requested several times to provide information that I received the student loan, I was not given this loan nor am I responsible for the loans. This is erroneous reported and have ask the Department of Education to investigate the matter.
I am
one of the many citizens impacted by the Equifax hack. I was never directly contacted by the company to inform me of this, even though they have my personal information. This XX/XX/XXXX, I was the victim of credit card fraud of over {$7000.00}. I do not know if this event is related to the Equifax
hack, but the timing is suspicious. Fortunately, my credit card company has reversed these fraudulent charges, but I have spent many hours on the phone resolving this issue.
In addition to signing up for the free credit monitoring service for 1 year, I plan to freeze my credit tomorrow morning. From what I have read, this might have a charge associated with it.