WillisBack/dataset-financial-user-claim huggingface dataset:
I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Wells Fargo seems to be engaging in unfair and deceptive practices. They [ lace property for public auction and quietly bid against member of the public thereby inflating the price that a member of the public would have to pay for any specific property. Wells Fargo should not be allowed to bid for properties they put out o the public for auction. I won a bid for a property in XXXX XXXX XXXX, XXXX, RI XXXX on 3 different occasions and was advised that I was the winning bidder and provide proof of resources ready to close the transaction. On each occasion, Wells Fargo declined the transaction and put the property back in the auction. When I inquired as to the reason why is process I occurring, I was advised that the delay in closing the first transaction was because they were investigating whether I have ties to any foreign organization. Subsequently on the third declination I inquired of XXXX as to the reason for this challenge and was advised that Wells Fargo authorized the auction company to bid on their behalf and on last occasion since I was the highest bidder and was denied the opportunity, I inquired again and was advised that Wells Fargo is allowed to do that and its their policy. This is a deceptive practice on the part of Wells Fargo. They should be compelled to disclose that they are a part of the bidding process. The same applies to XXXX XXXX, now XXXX XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, MA. Any lender should be required to disclose that they are participating in the auction process or otherwise should not be able to participate.
Took out a {$3500.00} loan over 18 months ago Was told in XXXX of 2015, there was XXXX payments left. ( I 'm still paying ). Paying over 300 % interest -- I get it. From what I can gather, now I am being charged additional " fees and interest '' for time it took ACH payment to hit THEIR account. Have called to complain to company at every level, with usual referral to a complaint website. I have been given XXXX different pay offs and XXXX different reason why there is still a balance. 13 days ago, I filed complaint on website " XXXX '' Have yet to hear from ANYONE and they claim fees and interest are still adding up. Calling the corporate offices yields a " they are a franchise office '' call them attitude with no real offers to help to to my relief.
In XXXX of 2018, the my Direct Stafford loans were transferred to XXXX XXXX   because I submitted an employment certification for the Public Service Loan Forgiveness Program. I was informed that once my loans were transferred, it could take up to ninety days for XXXX XXXX to certify the number of qualifying payments I had made towards Public Service Loan Forgiveness. I did not hear anything within ninety days, and emailed XXXX XXXX in early XXXX asking for an update. After approximately three and a half weeks, I had not received a reply to my email, beyond a notification that it had been received, and so called XXXX XXXX. I was told in my conversation with a representative of XXXX XXXX that certain information required to certify my number of qualifying payments had not been received from my priorservicers. The representative was unable to tell me exactly what information had not been received, whether only some or all of the required information was missing, or provide me with any time frame for when this issue would be resolved. 

I need to understand XXXX XXXX 's position on the number of qualifying payments I have made towards Public Service Loan Forgiveness as soon as possible, so that I can address any problems XXXX identifies or any mistakes that XXXX makes in its calculations. XXXX XXXX is the Department of Education 's worst performing loan servicer, see https : //studentaid.ed.gov/XXXX # XXXX. It has not proven in the past that it is capable of effectively administering the Public Service Loan Forgiveness program. Experiences like mine -- where XXXX can not in a timely fashion provide basic information about the number of qualifying payments I have made, and therefore my eligibility for the program it is in charge of administering -- only serve to further undermine confidence in its abilities.
I had XXXX XXXX through an agency XXXX XXXX in XXXX, Maryland. I cancelled the policy and switched to another carrier. Because if the timing XXXX OWED ME a balance and has since paid me for the extraneous funds in my account. I now have XXXX. XXXX XXXX constantly sends letters after Ive called and told them i dont owe anything to XXXX. I contacted the insurance agency spoke with XXXX XXXX and XXXX XXXX And XXXX XXXX yet im still recieving threats to put a balanc eof XXXX and XXXX onto my credit reports. i dont owe anything.
On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home.
They called my cell phone at least 15 times over a few days before I finally answered to see who they were and what they wanted. It was Midland credit management after some arguing back and forth they asked if I would verify with them, the last 4 digits they had for the debtor .... after verifying that the last 4 numbers of the social they gave to me I told them it does not match mine and they seemed satisfied. I did not think I would hear from them again. Now my wife is receiving phone calls from many different numbers of theirs ( she XXXX  the numbers ) now they have sent mail stating we owe XXXX  XXXX XXXX  to our newly built home, not sure how they got our address when they never bothered us at our prior home. 

We have a few XXXX XXXX accounts and have spoken to customer service who has said that there is nothing wrong with our accounts. Our credit files are spotless. There is no need for this harassment. 


Harassment is coming from Midland Credit Management XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
I believe that me and my husband are victims of a predatory loan. In XXXX XXXX we brought a home through Countrywide Loans for {$390000.00}. In XXXX it was discovered Countrywide Loans had done some predatory lending. Our monthly payment went from around {$2000.00} to {$3000.00} and then to {$4000.00}! Our loan was transferred to Bank of America and the new mortgage payment was exorbitant over {$4000.00}! We got a loan modification in XXXX. That helped for a while but the monthly payment is slowly creeping back up to almost {$3000.00} again. We ca n't keep paying these exorbitant house payments. We never heard anything about whether Countrywide Loans was sued and settled. I want to know if they were sued and if a settlement was done and if we were a part of the settlement? Bank of America has now transferred our loan as of XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX and they have increased our loan payment again. SLS does n't seem to be able to tell us anything but want to send us back to Bank of America and Bank of America sends us back to SLS. Our monthly mortgage has again risen wince being with SLS. We need answers. Did Countrywide give us a predatory loan, were they sued and a settlement received, and were we a part of the settlement? Should we have received something monetarily or a reduction in our loan amount?
I have disputed   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    M.S.   XXXX  ) who claim they are collecting for their client, "  XXXX   XXXX   XXXX  located in  XXXX  Illinois '', that no longer exist in the sum of some  Credit Reports says, {$2600.00}, {$2700.00} and {$3000.00}. This company reported all of these figures on my Credi  t Reports in Collection. Last year, I o btain &amp;  XXXX  dollars worth of Leasing Furniture from  XXXX   XXXX   XXXX  ( No Longer exist ) that I picked from a Newspaper in the store. I called this company immediately and told them I did n't want this furniture and asked them to please pick it up! They told me No! Once the furniture left the store I own it! I am upset that  XXXX   XXXX   XXXX  is able to cause my  Credit Score Sev ere Harm by Reporting information without providing me or TransUnion a reachable contact number ( Ph: XXXX  ) or (  XXXX  ) so I can speak to someone pertaining to what 's put on my Credit Reports. I am trying to move  ASAP  in an apartment and this information is causing severe harm. I am also asking TransUnion to remove all old information dated back to   XXXX     and up off of my Credit Report so that my score can improve.
Creditor claimed they would remove item off of my report its still on my report as a negative item. which is hurting my score.
Hi My Name is XXXX XXXX and I reside at XXXX MD XXXX. I have lived here for 10 years and having been hit by the financial melt down where I have fallen behind my mortgage for a while. My problem is that I have been working with Ocwen Loan servicing on modification of my mortgage. They have me sending documents over and over again and they keep misplacing them. They then sent me to a XXXX XXXX, where we discussed that my contribution partner income does show a year to date income on their pay stub, even dou we have a yearly income and have verifed that he makes that income every year..My last conversation with her was that she was going to get a letter directly from the employer and she could not she will let me know.She sent me an email on the XXXX saying she has not received the documents from XXXX XXXX mover but yet they have scheduled for foreclosure. Every time they need a document they just go ahead and schedule for foreclosure. It seems they are more interested taking my property from me and my family than at list review my documents for a modification. Please help me get reviewed by them .Thank you
I got the rush card and still have n't got paid yet it 's been a week and still waiting almost a week. Your your tried calling them they will hang the phone up after 45 min
Discover Bank Supervisor, did a third party call to The Social Security Administration inference to me of someone is rejecting my payroll, when they should be putting my payroll their, in my checking account. The Supervsior, at the Social Security staff sent my Payroll to a close account, instead of and Open account, XXXX XXXX, than is correct maybe two account should have been opened, due to XXXX XXXX fraud, of wanting {$1200.00}, for {$300.00}, when Discover Bank did pay them on my payroll!! XXXX is committing the Fraud!!! 

I did give the Supervisor XXXX XXXX, ( ssa ) the correct checking number, on a timely basis, to put my payroll check into my account, which is {$700.00}, and for 30 employers, it should have been $ XXXXx12x4 IS $ = {$4100.00}, {$700.00}, never. 

Discover Bank supervisor, called the Federal Agency, concerns about she have no control over a closed check going into a Closed Account, and she thinks it may take two up until two weeks, it will never take two weeks to process a check, that should not be rejected, instead. Only Fraud checks should be rejected, or returned, not a good Check. 

My employer, I updated the check at my employer, and it was sent immediately, the next day. 

Discover bank, when my mortage person cause my check to nsf, discover was supposed to take {$35.00}, Someone at Discover bank once took to {$260.00} of my XXXX bill and necessity money!!!
I continue to receive calls from this lender unknown identity. By nature of  Fair Debt C ollection s Act t hey are to identify who they are and provide full name and reason for the call. I do NOT answer these unknown calls but block and report them to the  Nat Do  Not Call registry and  Block t hem. I spoke to  XXXX  alleged Manager in Collections who did not offer to reverse the fees. They press for advanced payment even though I offered to make a post dated. Finally when I asked for a manager he agreed.
Transunion had a system glitch that resulted in many of my inquiries being deleted from my report. Tranunion added the inquiries back without notifying me. I contacted Transunion but they refused to remove the inquiries. My rights were violated by Transunion and it is not fair that their error is affecting my credit report and score negatively.
I received an offer in the male From Chase United MileagePlus card for promotional balance transfer checks. The promotion included a zero interest through my X/2018 bill cycle. The fee was 2 % of the outstanding balance. I used checks for a total of {$25000.00} and paid the one-time fee of {$500.00}. I was not expecting to make any payments until my X/2018 statement cycle. Unfortunately, I learned this was not the case and I have to make a certain minimum monthly payment. The offer correspondence I received did not disclose this requirement ; it made no mention of any monthly minimum payment. I contacted Chase about this issue but received no help. They insisted the balance transfer offers are no different than a purchase and required a minimum monthly transfer.
New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.
Student loan help seems to focus more on the younger generation. I finished school in the XX/XX/XXXX. My loans are well above {$200000.00}. I am in the income driven loan repayment plan. Because there are times when my income increased, I have to pay more money back monthly. I can not save to do some of the things I made a sacrificed to educate myself for because of how much I have to pay back. I am XXXX years old, a 21 year XXXX and can not save enough money for a down payment on a home. I did not come from a wealthy family. There was a time federal laws allowed students to write off loans through bankruptcy but that seemed to end a more students XXXX stated continuing through higher education. I am afraid to allow my loan payments to lapse because I do not want to hurt my credit. I have been told if I pay the loans for 10 years without a missed payment the rest will be wiped out. I want to live the American dream but do not know how. What are some other methods possibly that could be used to help those of us who were educated 20 years ago and have a large repayment debt?
Since the beginning of the loan we have paid at least one month in advance to reduce the high interest charged by Santander. Monthly statements would indicate that the next payment was due in 60 days not 30. Since receiving the XXXX statement, monthly statements indicate payment is due in 30 days. We have spent numerous hours trying to straighten this out. Today, a manager told us that the company has made changes to " prevent customers from paying the loan ahead ''. The manager says that there is nothing we can do, and prepayment are not being applied. We have prepaid for six years!
I have disputed Wells Fargo Mortgage 's smokescreen response to Case number XXXX. 

In reviewing the detailed statement for the escrow account ( attached ), another problem, a more serious problem is apparent. 

The bank failed to record my escrow payments. 

I have made all my payments, in the amount of XXXX, since XX/XX/2016 when my Chapter XXXX was successfully discharged. Prior to that, I made all payments timely to the Chapter XXXX Trustee which paid the bank. 

The bank 's " Escrow Account History '' ( attached ) shows that ZERO ACTUAL Deposits to my Escrow account were made. 

What did they do with the money? I paid. I have records of all the payments. 
Wells Fargo is playing more tricks on consumers with their " alternative math. '' How can they be allowed to take the money from me and NOT apply it to my account? 

Now, in the related case Case number XXXX, they are trying to claim my Escrow has a " shortage '' -- that will REDUCE my payment. That makes no sense. If there is a " shortage '' my payment should go UP. 

What did the bank do with the money I paid for escrow? There are 6 months showing ZERO. For each of those months, I paid the full amount due -- that includes taxes and insurance escrow. 

That 's {$1800.00} that the bank shows as missing from my account. Where is my money? What did the bank do with my escrow payments?
On XXXX XXXX of 2017 I opened up a dispute against capital one because the falsely added something to my credit report which took my credit down from XXXX to XXXX. My dispute was completed and they were found in the wrong, yet my credit score only when back up by one point. That needs to be fixed because that had nothing to do with me, it was XXXX XXXX mistake not mine and I should not be punished because they cant get their information together.
I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted XXXX XXXX where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on Experian, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.
I checked my credit report on XXXX/XXXX/2016 to learn that Synchrony Bank closed my XXXX XXXX XXXX Credit Card for non activity and carrying a {$0.00} balance on XXXX/XXXX/2016. I called Synchrony Bank on XXXX/XXXX/2016 to re-open the account and they refused and told me to re-apply and that it can not be re-opened if closed for non activity. All my other creditors allow me to re-open accounts without a problem. Im not re-applying for another account just to have a hard credit inquiry on my credit report. These creditors get you coming and going.
My loan was recently transferred to Nationstar XXXX/XXXX/16. Prior to transfer I had property damage to my home XXXX/XXXX/16. My first contractor did not complete the necessary work, I hired a new contractor. I sent the documents to Nationstar who stated they would not begin paying since my claim was over {$300000.00} to my new contractor because there was no license submitted. Myself and my new contractor informed them my state no longer provides licenses, however they insist they did. My house can not be fixed since they will not disburse any funds without license. In my states old law required contractor license over {$30000.00}. I informed them I would just hire several contractors whose claims would not total over {$30000.00} each they said they still would not pay claim without license. I need to have my home repair so I can move back in my home. But do n't seem to be able to get funds to repair which my Nationstar will not release. My insurance adjustor has only allowed 3 months for repairs to be completed and my time is running low.
An old Bank of America card was last pa id  XX/XX/XXXX , yet w hen they charged off the card, forwarded it to  XXXX  and on to  XXXX , they did so adding an improper indication of a payment that never happened,  in  XX/XX/XXXX , wh ich is now also considered an open of account date for  XXXX . This action inappropriately punishes me allowing  XXXX  to claim my debt for a longer period. Under AZ state law I ca n't be sued passed 6 years of a debt 's delinquency date. This date has truthfully passed from   XX/XX/XXXX   but Bank of America colludes with their collection servicers to allow longer pursuits.
I had a XXXX XXXX Credit Card that was charged off. I called them to settle debt they said that an attorney XXXX & XXXX I believe is the name had the debt phone number XXXX XXXX XXXX XXXX. I have called and left several messages and nobody has gotten back to me and I have no other way of getting a hold of them to repay my debt.
On Sunday, XX/XX/XXXX I received a electronic notice from XXXX - a money management software program, that my American Express Credit Card APR interest rate went up by 15.00 % without any warning or notice and without cause. I have had low 10.25 % APR on purchases for many many years without any issues and now I am slammed with a 25.24 % purchase APR without any reason. I have a clean credit history, no late payment, and very high credit scores! I have been with American Express since XX/XX/XXXX.