WillisBack/dataset-financial-user-claim huggingface dataset:
I financed a motor home through M & T Bank and have made every payment!! 

The first thing I noticed with this lender 's business practices was how obsolete their installment loan department is ; they only have fax machines and a horrible computerized answering machine that takes forever to reach anyone, and they keep cutting you off. It generally takes 1 to 3 hours of phone waiting to discuss any issues with them. I have been on hold for over 45 minutes before. No online email presence unless they are selling you something or spamming you. It is very difficult for the consumer to communicate with the installment loan department. 

The second thing I noticed was even if the payment was made timely my records ), it appeared the payment would not be posted for several days resulting in late payment fees. Due to traveling around the country in a motor home, I did not find it financially feasible to correct these issues, which I really should have.

Lately, I find the lender claims no payment was made in XX/XX/XXXX, which my online banking records indicate was paid ( discrepancy found researching tax records ). No notification was given to me, and late charge fees have been applied to this account since then ( without my knowledge ). Upon searching back for tax records, I discover the charges and contacted the lender 's installment loan department. I was rudely told that this was my fault because I did not update my phone number ( cell # ) and address, yet I received a email statement from them every month. I could have been notified through that email address instead of being pumped to open additional accounts! I have found ( with a magnifying glass ) the small print that states the late fees only after being informed of their location on the statement. In contacting them, I was informed that I needed to pay all the churned late fees as well as the missing payment I have already made once, and they would then check into it. 

In the forty plus years as a real estate appraiser observing the predatory practices of lenders, I have never seen a lender as unscrupulous as this one. Please advise as to what records you need from me to verify my claim. All of my bills are paid through XXXX   's bill pay, and those records are available for  verification, but how much of it do you need? From XXXX to XXXX? Is there a way to be more specific, that's a lot of paper and a really big file to upload?
My name is XXXX XXXX XXXX and had an work related accident in 2016 and was transported to the hospital with XXXX XXXX XXXX. This was work related and all expenses was related to the workers comp. 
I had the office of XXXX XXXX handle the situation and had the workers comp paid all expenses. 
I try to explain the creditor United Collection Service Inc the situation and the have never remove same from the XXXX  report. 
You can verify this with the office of XXXX XXXX XXXX XXXX : Mr. XXXX XXXX Tel : XXXX office : XXXX Thank you and please correct this matter for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX
They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.
I have alot of items on my credit report that was not opened by me I believe I am a victim of Identity theft
I got an online job through XXXX on XXXX XXXX, 2017. The person I got hired by claimed to have the name of XXXX XXXX. He sent me a check from a " customer '' for {$840.00}. I was to keep {$400.00} as I had already worked for him for over a week, and {$440.00} of it was to go to his " printer '' who would print his paintings on canvases. ( He says he 's an artist and that 's what he said I was going to be doing for him -- setting up invoices, creating a website for his company, etc. ) I waited 4 business days, and by the looks of it, my check had cleared that he sent me, so I sent his " printer '' ( whose name was XXXX XXXX - I also have his XXXX XXXX XXXX account # to verify him : XXXX. I suspect this is actually who " XXXX XXXX '' is since this is who I was told to send the money to ) {$200.00} on XX/XX/XXXX, then {$240.00} the next, XX/XX/XXXX. The following day, Chase Bank returned my check saying the Payor stopped payment. He then said he would transfer the funds into my account and that there had been some kind of mistake. He sent me another check from a " customer '' to deposit -- fortunately I was on to him at that point. He has now blocked me from XXXX XXXX -- our main form of communication. HELP!!!!!!!
I have a complaint with us bank online money transferring services the problem started on Thursday when I tried to transfer XXXX dollars into my negative balance of my savings account when I tried to transfer the balance it gave me a error message stating you need 5 or more dollars to transfer but from experience on online banking with XXXX XXXX XXXX i never had this restriction when i transfer {$1.00} to {$4.00} dollars when my account is negative balance without using overdraft protection but when I opened my second bank account with us bank I told can i transfer money from my account just in case it gets negative without using overdraft protection and the rep said yes and i said okay sign me up but when I signed in to online banking my account was negative so I decided to transfer money from checking to savings in the amount of XXXX that was on Thursday and It told me i need 5 or more dollars to transfer I had this issue when i opened my account with us bank and i am still having this issue.
I am behind on my private student loans from Sallie Mae, and I believe they are not working in good faith with me to ensure I can pay back the loans. In order to obtain forbearance, I must have my cosigner report every single asset to them, with the possibility that this will actually increase the monthly payments that I already can not afford. Secondly, if I am approved for forbearance, I must pay a {$50.00} fee per loan per month of forbearance that is not in any way applied to my loans or interest accumulated during that forbearance. This is not only unfair and counter-intuitive to the process of forbearance, I believe this is an extortionate practice aimed at discouraging me from using this process and simply accruing late fees and negative marks on my credit. 
There must be something that can be done other than have money I already do not have thrown away on a fee that does nothing to help me save money and maintain my obligation to this loan
XX/XX/XXXX. I was contacted by title max about my payments. I am behind XXXX payments on my loan due to my XXXX leave. I talked to XXXX on XX/XX/XXXX and was told come in I have the refinance option. I came in on XX/XX/XXXX to do the refinance and found out I needed to pay the past due amount of XXXX and bring the vehicle to refinance. I told them I should have been told this on the phone and I did n't have the funds I get paid the following week. They asked if I could borrow I said no and I was rudely walked to the door. Monday XX/XX/XXXX XXXX called and asked when I could pay. I told her again I thought I could refinance. She said you can but how do I know your going to pay going forward. I explained why I was behind and explained I came to the store with full intention to bring my loan current. She replied with a smart remark and I stated she was making me angry and that I 'm trying to be respectful. She stated oh I am making you upset. I said yes and she said I 'm messing with her money loudly in my ear I explained I owe XXXX XXXX and she said I 'm messing with her money. I ended the call. I feel like Im being harrassed even after making attempt to get current. I was given misinformation which is why I 'm still past due. I do n't appreciate the girl speaking to me the way she did when they messed up. I told them my pay date and even tried to ensure I would be in my next off day. I just wanted to refinance and get current. They threaten to take my car but are hardly helping me. This is the XXXX XXXX in XXXX XXXX  Missouri located on XXXX and XXXX XXXX.
XXXX contacted me by phone about an utility bill for a home which I have NEVER lived in. I told XXXX rep that was not my debt, they mailed me a package with bills for a home in XXXX NY. I have NEVER lived in XXXX at such address. Today XXXX I received bill from a Collection Agency which I don't even know whey they took this debt without verifying if it was mine! I don't want ANY collection agency harrassing me for a bill that is NOT mine! I need this company to stop communication with me immediately and remove this debt from their file! This is NOT my bill and XXXX knows that! They also claim its from XXXX I lived in XXXX in XXXX This is an OLD debt past statue of limitation in NY and its also NOT my debt.
Tjmaxx reported I was 30 days late paying XXXX this is not true. They charged a late fee after a payment was made when that wasn't paid they reported there was XXXX unpaid for 30 days. They caused my credit score to drop 56 points. I would like a audit of my count including the date and method they calculated the amount 30 days. I want the information removed from my account immediately. They have caused damage for that I will seek a cfpb claim, but they should not be able to report was is not true.
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from us XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until July everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX
In XXXX XXXX, I was discharged from a bankruptcy. I had paid throughout the bankruptcy my 1st mortgage and HELOC with Bank of America. During the bankruptcy I received statements on XXXX mortgage, but not on HELOC. Even after the discharge, statements never resumed. I was never notified and even to this date notified of how much my payments are, the due date and any delinquency. I never received any type of information regarding my status on this account. In XXXX XXXX, I received an Intent to Accelerate Payments. At this time I contacted the bank and inquired about modification. I recently was serviced foreclosure papers XXXX XXXX. This is the first contact I have received from Bank of America since XXXX XXXX regarding status. Bank of America has been in violation and noncompliance of Periodic statement ( XXXX ). I inquired to representatives about why I was never provided with earlier notification and was told that if I do n't make a payment - I do n't get a statement. How do I know that the status of my account if there is not communication with Bank of America. I initiate a modification assessment and have been mislead by Loan Modification department by representatives, who would tell me to hold on and not do anything. i trust them, as they are the experts. I am now finding myself in situation where I could lose my home. I was never given any notice on status of account or provided with any statements. How can I pay on an account if I have no notification, information on who to contact or even a number. My compliant is Bank of America has violated XXXX XXXX XXXX XXXX XXXX that was in affect XXXX XXXX
I originally filed an Identity Theft Report with the Federal Trade Commission on XX/XX/2018 and mailed a copy to CBNA also known as CitiBank Best Buy. 
I also mailed the major threecredit bureaus ; XXXX, XXXX and XXXX, copies. The credit bureaus did remove the Citibank Best Buy fraudulent account from my credit report but Citibank Best Buy reinserted the account into my XXXX credit report. 
I have made several phone calls since and after several investigations Citibank Best Buy still reports it as a valid non fraud account. This is a fraudulent card opened in my name, Identity Theft Report was filed and copies mailed to Citibank Best Buy and still thisnhas not been removed which should of been by law but they have still been reporting it illegally. 
I will not await another reinvestigation as that will just delay the process another year.
ON XX/XX/2018 I recieve a letter saying I have 10 days dated XX/XX/18 to respond to lender about my payday loan payback. 
On XX/XX/18 they submited payment for payday and was withdrew on XX/XX/18 Now by them doing this caused my account to go negative and some payments were denied When I question them about letter that they sent me answer was '' ya so what '' Not was it rude and unprofessional but it caused my account to go negative The letter clearly says I have 10 days to respond to letter before submiting to bank for payment
I 'm a victim of identity theft. I have fraud alert on all my XXXX credit bureaus. I disputed all the fraudulent and inaccurate informations. ( 1 ) Transunion credit bureau been giving me hard time and keep reported fraudulent account which are unauthorized inquiries XXXX on XXXX/XXXX/2016 and XXXX/XXXX/2016. XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. By spending money on certified mail and wasting my time and energy on contacting all the creditors they all agreed after their investigations that all these unauthorized inquiries were fraudulent inquiries to removed from all my XXXX files with documents. Finally Transunion removed these fraudulent inquiries from my file but suddenly reported back in my file on XXXX/XXXX/2016. I called the Transunion agency today XXXX/XXXX/2016 on XXXX EST and I was on hold for more than XXXX minutes before I get disconnected but I called back and someone answer and transfers me to fraud department which they are out of the country in XXXX he was so nasty and non informative and I could n't understand what he was saying. ( 2 ) Transunion insists to report inaccurate information about the account # XXXX XXXX XXXX XXXX for {$520.00} even after I contacted the hospital XXXX/XXXX/2016 and they agreed it was an error and was their mistake and they removed it on XXXX/XXXX/2016. ( 3 ) Transunion still reporting fraudulent account # XXXX XXXX for {$190.00} ( 4 ) Transunion still reporting inaccurate information about account # XXXX. 
Generally Transunion gave and still giving me hard time and caused lots of trouble to my family and I. Transunion doses not care and the employees do n't do the right work. I been dealing with them for the last XXXX month and I spend lots of money to get the fraudulent accounts and inquiries deleted from my files. Transunion agency is not helpful and their customer services are the worst ever. They wast my time, my energy, and my money but I wo n't never give up and I will continue to fight to get everything straighten even if I have to take the to the court. By the way this is the second complaint against Transunion with CFPB
a collection account with lowes got sold to XXXX and i end up with the same account XXXX in my credit report, the XXXX account was settle and paid and XXXX told me that lowes should delete this account from the bureaus files.
In accordance with the fair debt collection practices act I requested from XXXX XXXX who is reporting on all 3 credit reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called Client Services a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to XXXXXXXX XXXX that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from XXXX XXXX  concerning my request. I received a second letter from Client Services with a new offer to pay them {$480.00} to settle my debt with XXXXXXXX XXXX. Again I have no knowledge of this company ( Client Service ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. Client Services are not reporting on any of the three credit agencies. Also, XXXXXXXX XXXX never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties of Reporting agency. Since XXXX is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from XXXX.
Synchrony Bank, which administers the QVC " Q '' Credit Card, payment website is set up to be deliberately misleading to consumers paying a bill. When you get to the payment page the first question is how much do you want to pay ( statement balance, current balance, minimum payment, or other ). I selected current balance. Below that, it asks for the payment posting date. When you select a date, the payment amount automatically reverts to the minimum payment -- despite selecting to pay the statement in full. This is clearly a trick to get people to incur finance charges, which is what happened to me last month and I just saw it happen again today. I had to go back and edit the payment to select the full balance. Unless you check the payment afterwards you would n't know. It is a deceptive practice and cost me a finance charge. This is clearly unfair and deceptive.
On XX/XX/XXXX, I closed two matured CD accounts at PNC Bank in XXXX, NC. Last week I received two checks from PNC Bank, one for {$7.00} and the other for {$6.00} with this cover note : " In the past, your account ending XXXX received a special rate offer or promotional rate. We recently became aware that you may be due one additional day 's interest because your rate expired one day earlier than disclosed. '' Two years have passed. I wanted to know the action that was taken by PNC that resulted in uncovering this error. Also, since PNC Bank had my money for two years without my consent or knowledge, at the very least they owe me two years ' interest on the money ... and if they had my money for two years, they had the money of other depositors who were similarly unaware. 

I phoned PNC Bank at XXXX and was given the same explanation as stated above. The " escalation '' agent was to get back to me with answers. I received a call earlier this week ( probably Monday, XX/XX/XXXX ) from XXXX XXXX ( unclear what her name is ) who gave me the same explanation as above. In short, a week went by and I received no answers. 

My concern in writing this complaint is that PNC Bank has withheld earned interest from CD depositors for two years. My amounts are peanuts, I know. The bigger questions are why did it take two years to learn that they had our money and why they have n't paid us interest on this money? Something 's seriously wrong here. Can you get an explanation and our interest for us?
FAIR COLLECTIONS AND OUT is in violation cra inaccurate information put on my credit id theft and po report sent to all major company
Conns contact me doing church doing my job after XXXX and they call me at least 7 to 8 times a day
XXXX, Transunion and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, Transunion and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.
I XXXX XXXX have contacted " ONLINE INFORMATION XXXX '' on numerous occasions and have not gotten anywhere in regards to the debt. XXXX the collections XXXX was handling my issue and never got back with me in regards remaining balance. Every time I would call the collections company I would constantly be handed off to a new person and get nowhere with the issue at hand. The debt should be paid off by XXXX insurance. Some of the debts were processed and paid off by the insurance except the balance of {$120.00}. When speaking with the claims department at XXXX they notified me that there was never a claim put in for the amount. All other amounts had a claim put in by " ONLINE INFORMATION XXXX '' and had been paid for. I am an XXXX XXXX service member and this ongoing issue and unprofessionalism by " ONLINE INFORMATION XXXX '' is now affecting my job clearance in the military. Any help on this would be greatly appreciated. Thank you in advance. 

- XXXX XXXX
Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX, Convergent Outsourcing is blatantly reporting to credit bureaus false information about a debt I do not owe to XXXX that dates back to 2013. Account was closed and no monies are due.