WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is about a Home Equity Line of Credit that I have had with Wells Fargo for about two years. On multiple occasions ( at least 10 ), I have made principal only payments in one form or another and Wells Fargo consistently pre-empts the regularly scheduled " auto pay '' feature I set up to pay the minimum amount due and applies my payment to that minimum and then applies any additional amount to the NEXT month 's payment. When I call to get it fixed, they always apologize and change things around for me but in effect I am losing the benefit of those principal payments because the new minimum amount due and interest charge has been applied to a larger principal amount than it would have been if things had gone the way I had originally intended. The customer service people are always very nice about it all and assure me that if I let the auto-pay come out first ( it is due on the XXXX or XXXX of each month ) and then make the principal payment before the closing date ( usually between the XXXX and the XXXX of each month ), it will go the way I want. You can see that it is a short window that I have to do this maneuvering. Last month I did just that, waited for the auto pay to go through on the XXXX, walked into a branch and made a " principal only '' payment on the XXXX. Then on the XXXX when my new statement came out, it looked as though they had applied my principal payment partially toward the next month 's regular payment! I called and they " fixed '' it, but again, the new principal balance had been calculated without the benefit of my full principal payment. Since this is a variable rate loan, and part of my loan is a fixed rate portion, it is next to impossible for me to calculate the additional interest that I have been charged over the past two years due to these " mistakes '', but I know that it is not in my interest to " pre-pay '' my next month 's regular bill instead of paying down principal.
I have a Helco that will set next month to more than what I am currently n. I CAN NOT afford this new payment each month! My circumstances have changed significantly now I am permanently disabled and unable to work as explained in complaint # XXXX Ditech sent another letter this past weekend reminding of the payment again. Ditech is s servicer of an investor that participated in the TARP program, acquired my loan from a predator lender. Ditech participated in the Making Homes Affordable but failed to reach out to me when I was eligible for the program ( s ) as suggested by OCC. <P/>It is now inevitable I will default as my monthly mortgage expenses are more than my income after taxes due to a recent change. This investor is not primary lien holder and may not satisfy the debt after legal fees and statutory government fees I will end up being put out with no money.
I am a veteran, and college graduate. I feel that i have been mislead and deceived by Regions Bank in an attempt to take my home in foreclosure. For the past months I have been waiting for Regions to modify a loan or simple give me a yes or no answer on my multiple applications. I inherited the house from my father and the loan was in his name. On XXXX/XXXX/17 I faxed 24 requested to documents that were requested by Regions. I was told the process could take up to 45 days for the loan modification application. I could have but did not pay the back mortgage amount because I was waiting for a decision. I called In XXXX.I was asked again to submit the same packet of documents and a transfer of real estate document.I waited and again no response or decision. I contacted an attorney and called only to be told that they would only speak with my attorney. I was told that loan modification would allow me rewrite the loan in my name and not have to to pay the back mortgage. No response or explanation. This delay has only put me further behind and I now had to pay property tax on the house and other properties to avoid a tax sale. I owe XXXX on a house that is valued at XXXX. This a deceptive practice and I feel that the goal was extend the process for profit and foreclose..
I attended part of semester at  XXXX   XXXX  in   XXXX   XXXX    XXXX . I withdrew from my courses.  XXXX   XXXX  charged me a penalty. Subsequently, my  XXXX  tax return was seized to cover the entire {$770.00} penalty the school charged me. They later sent me a letter notifying me. I received this letter from  XXXX   XXXX , attempting to collect the same debt. I asking that this debt collector be sanctioned for attempting to collect a debt, which has been paid in full.
I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from XXXX XXXX XXXX. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever
I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name.
I took out Stafford loans while earning my   XXXX   at the University   XXXX   XXXX   (  XXXX - XXXX  ). I have been paying far in excess of what is due each month in order to pay my loans off quickly. I have paid {$22000.00} in total on the loans serviced by   XXXX   ( others are serviced by  XXXX  ) and have never been late on a payment. In  XXXX ,   XXXX   listed my loans as in default even though I had paid the monthly minimum on all of them and extra on others ; I paid {$2000.00} on  XXXX / XXXX / XXXX  and {$260.00} on  XXXX / XXXX / XXXX . After multiple calls and yet another payment on  XXXX / XXXX / XXXX  for {$590.00}, they changed the status to paid. On  XXXX / XXXX / XXXX , I paid {$2900.00} which far exceeded the amount due. However, on  XXXX / XXXX / XXXX , I received an e-mail saying my account needed immediate attention. When I logged on to  XXXX  's website, it said my loans were past due and I owed {$160.00}. I paid the amount ( via the website ) immediately even though I should not have had to just so that none of my loans would be listed as past due. However,   XXXX    continues to list my loans as delinquent. I spoke to  XXXX , a supervisor, on Wednesday,  XXXX / XXXX / XXXX  who said she would refer the issue to Accounting, look into it further, and call me on Friday afternoon. She never did. The company is closed on weekends. On Saturday,  XXXX / XXXX / XXXX ,  XXXX  charged my account a {$7.00} late fee without notifying me they would be doing so. I called  XXXX  on Monday morning,  XXXX / XXXX / XXXX  and spoke to another supervisor,  XXXX , who said he would send another request to Accounting and call me later that day. I received a call from  XXXX  instead who said  XXXX  was still looking into the matter and she was not sure when it would be resolved. I asked to speak to her supervisor but was told she was unavailable. I did receive a voicemail message from her supervisor,  XXXX , on  XXXX / XXXX / XXXX  after I left another message for her but she did not provide any information and did not return my call back to her. I also spoke to  XXXX  in Compliance on  XXXX / XXXX / XXXX . She assured me she would have " past due status '' corrected and call me the following day. She did neither. I continue to receive calls via an automated system from representatives telling me my account is past due. When I ask to speak to a supervisor, I am placed on hold for approximately for several minutes, sometimes only to be told that none are available. Yesterday morning (  XXXX / XXXX / XXXX  ) for example, I was placed on hold for 20 minutes so that I could leave a voicemail for  XXXX , only to be disconnected. I 've also contacted the company twice via e-mail (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  ) but have not received a substantive response. This is fraudulent and unethical.  XXXX  should not be permitted to manage student loans, especially federal loans use to fund a public university.
I get so many inquiries who was not required by me and I really need to get removed from all XXXX credits bureaus this inquiries is hurting my credit score and my ability to applied for anything.
Equifax was struck by a cyberattack so they did not have the security needed to protect my personal information which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
I have a mortgage loan that was sold to JP Morgan Chase. 
It is an interest only loan I have paid religiously on the loan for XXXX years. 
I have also paid my own taxes on my home - I have never escrowed taxes for Chase to pay for me. I never agreed for them to either pay the taxes or escrow for future tax payments. 
In XX/XX/XXXX Chase took it upon themselves to pay my taxes and then demand payment from me for those taxes and an additional {$2000.00} per month for my mortgage ( apparently to escrow for my {$5000.00} annual tax bill ). I was not late on my payment of taxes. 
At the same time, I was having a business problem and I could not pay the extra amount. They have started collection procedures on me and have ruined my credit. 
Their demand to me is unconscionable - I never agreed to any of this and no one talked to me from Chase bank before they took unilateral action. 
They have abused me and are making an unreasonable demand which I will not agree to. This bank is so large I can not get anyone who has either understanding of the situation or can do anything about this travesty to make it right. They call my ex-wife and harass her. They harass me. I make phone calls to Chase to find someone who can understand this issue. I always end up talking to someone in XXXX. They can do nothing. They transfer me to a U.S. representative. They wo n't even take the time to understand the problem or find someone who can help me. It 's now affecting my credit. I can find no one who can talk to correct this grievous mistake and the abuse just grows. This bank is always defrauding consumers and they are defrauding me now with this unilateral action on their part. One only has to search online at the abuse they do to people.
On XX/XX/2018 I received written notification that my past due account had been turned over to a collection agency named Transworld Systems Inc for the amount of {$70.00}. I have not received any bills or notices of amounts due from the company listed on the notice ( XXXX XXXX XXXX XXXX ) I have no dealings with XXXX. I made two attempts to contact this company and was not able to get through, but rather went into a recorded queue which eventually put me into a voice mail box.
THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITYXXXX CA XXXX XXXX XXXX 2017 To Whom It May Concern : Your firm has continuously contacted me over an alleged debt in the amount of {$250.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,
I was originally harrassed by a medical debt collector by the name of XXXX XXXX for the amount of {$240.00}. It was put on my credit report in XX/XX/XXXX. They constantly threatened to sue me, and called several times a day, said they would garnish mine or my husband 's wages, etc. 
After researching their state license here in Tennessee, I found out they are not licensed and have not been since XX/XX/XXXX. They sold the debt off, or began operating under the company called Wakefield and Associates, which is licensed in Tennessee out of Colorado, and the debt was re-added to my  credit report under the Wakefield name.

I believe that the two companies named have broken several laws including HIPAA, and I have no contract to pay the listed amount to the current debt collector, Wakefield.
Bankruptcy listed on my credit reports. The bankruptcy was dismissed due to improper management by XXXX. The case did not go to confirmation trial.
A few months ago, because I founded a XXXX XXXX XXXX XXXX XXXX and received approval from the Dept. of Ed as a loan forgiveness program for our counselors, since we service XXXX XXXX patients, my loans were moved from a provider to direct payment to the Dept. of Ed. That provider was not the problem. Prior providers who were horrible lost my loan servicing to an organization in XXXX, which was great. 

Navient and XXXX have reported negative comments about delinquency to the credit bureaus. I was NEVER delinquent, as I was on a deferral basis, since I am still in a XXXX program. I switched schools from XXXX XXXX ( money hungry ) to XXXX ( tries to reduce student debt ). XXXX is eligible for deferral programs from other school balaances. There is no reason to report me delinquent. I feel this is just a thumb in the eye for leaving them. Please correct. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Problems are : Dept of Ed. Navient and XXXX XXXX XXXX. Hit me for every single loan. Battered my credit score. Totally unfair. If you need my social, it is XXXX. 

Thank you very much.
I paid my card down I got s credit for a late charge the infirmation you have as og XXXX XXXX th is not correct. My credit card thru bank of Americe was reported to you as of XXXX XXXX but is not updated on the XXXX XXXX XXXX report it does not reflect correct balance and does not shown payments made or credit adjustments. Please call me at XXXX
Good Afternoon, I dont know if you can assist me or not, but recently I applied for a XXXX XXXX credit card ( XXXX ) from Barclays. I was approved and did a balance transfer for {$5000.00}. I paid off my XXXX XXXX card and got 1 year free financing. I just had to pay a 3 % ( {$150.00} ) fee to do that. Which I consented to. When I got my first statement I noticed the new card balance was {$10000.00} so I called and was told there were two transactions for {$5000.00} to XXXX XXXX and that I would have to call XXXX, which I did. XXXX sent me a check for the {$5000.00} over payment. Which I cashed and paid on the new XXXX card. When I got my next statement, I saw a {$300.00} finance or other Fee charge. I called Barclays and was told there were two transactions and transfer fee of {$150.00} each.hence the {$300.00} charge. I told them I only had a {$5000.00} balance that I transferred. Apparently, being unfamiliar with the website and thinking that it did n't go through, unintentionally submitted it twice. Obviously not intentional.why would I want to pay {$10000.00} on a {$5000.00} balance. But I couldnt get them to waiver the fee as they said they carried out two transactions. Can you help with this? I am just seeking to get the second {$150.00} charge reversed.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, ME XXXX
I opened a U.S. Bank Cash+ Visa Signature Card in XX/XX/2018 because it looked like it had good benefits for a 'daily use ' card. It also offered 0 % interest on balance transfers, so I opted to transfer a balance from another card, hoping to 'consolidate ' my accounts into US Bank , since I already had checking and savings through them. 

When it came time to make a payment I did what I thought was correct to avoid interest and paid my purchases + minimum payment. 

Here is what their website ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) says about applying payments : " We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. '' Unfortunately a little further down there is this information : " Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Unlike every other card with a 0 % promotional offer I've ever had - if you make any purchases it basically voids the 0 % interest on the promotional balance. This is very surprising and confusing to me. This seems to be confusing to their representatives, too. I called in XXXX when I got my first statement that included an interest charge, as I didn't understand why, since I'd paid purchases + minimum payment. I spent 45 minutes on the phone with a very pleasant representative who told me to pay 'purchases + minimum payment + interest ' to avoid interest charges. She didn't mention the little gem that says the entire balance needs to be paid, I think she wasn't aware of it. 

As I mentioned, I was pretty sure I had paid purchases + minimum payment, but the statement was difficult to parse since the balance transfer was listed on it, so we assumed I had missed something, and I said I would take her advice going forward. 

As a result, I paid the purchases + minimum payment + interest for my XXXX payment. 

I received my XXXX statement only to find another interest charge. I called again and spoke with a nice representative who told me the same thing, " Ma 'm, you need to pay the minimum payment + purchases + interest '' and I said - let 's walk through the math on the XXXX statement and as you can see, I did pay that. He agreed and said it didn't make sense. He consulted a supervisor and they told him, in the disclosure ( which I am now waiting 10 business days to get a copy of ), it states that you have to pay the full statement balance ( including the balance transfer that is supposed to be subject to a promotional interest rate ) to avoid paying interest. 

I feel like this is very deceptive, the statements are not clear and the representatives don't even seem to be aware of how this card works. 

Why offer a 0 % balance transfer with a daily use card if using the card for daily purchases then means that you have to pay the entire balance including the transferred balance to avoid interest?
I recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.
My report shows a Derogatory credit from a company I never hired or authorized to perform services. I never signed or agreed to make payment. 

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider.
This southwest credit systems has been robocalling my parents home where I no longer even live literally XXXX times a day and each time has no information to provide i.e. What the debt is or what company they represent and who the debt is in regard to. They call from multiple phone # XXXX and have not contacted me once in writing about anything. This is illegal and has done nothing but disrupt my parents lives. I ca n't even figure out who they represent not to mention I do n't trust anything verbal with these companies as they are the ambulance chasers of debt XXXX.
On XXXX/XXXX/XXXX I received a copy of my EQUIFAX credit report online through XXXX XXXX XXXX. Under the heading listed in the EQUIFAX report, as ASSOCIATED ADDRESSES, there is an address that is listed that I am unfamiliar with and know for a fact that I never lived there. The questionable address is : XXXX XXXX XXXX, XXXX, MASSACHUSETTS XXXX
XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Bank of American states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Bank of America employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at XXXX XXXX
I have a XXXX Ford Focus from Car Max Auto Finance. I have been making payments on the car since XX/XX/XXXX. After reviewing my credit report Car Max had my car listed as a charge off two times, XXXX in XX/XX/XXXX and one on XX/XX/XXXX. I contacted Car Max and was told via phone and written correspondance that they would have my credit corrected with in 90 days. It has been over 120 days and my credit has not been corrected and I have suffered greatly from the incorrect reporting. I have been unable to purchase a home due to the dispute. I want my credit corrected immediately and request to have any and all negative marks removed due to the inconvenience and hardship this has caused.
I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is XXXX.
On XX/XX/2017 I sent a letter to EQUIFAX in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Equifax continues to report this account. On XX/XX/2017, I submitted a complaint to national credit systems for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Equifax requesting the unverified account to be removed.
This is about a Lowes / Synchrony Bank Credit Card. Cardmember services help me with my card and when I get the next moth 's statements ... the Cardmemember Services are malicious moving money around in my account so that I end up paying interest cahrges or not making the promotional expiration deadlines.
The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).