WillisBack/dataset-financial-user-claim huggingface dataset:
A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue.

A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again.

Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them.

I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle.

This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero  reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.
Quite simply, I have nothing but positive information on XXXX of my credit bureau reports ( Transunion ) yet I have a very low rating. I can come up with no reason for this low rating except that this allows any prospective creditor to charge me with the highest fees, interest rates, etc. 

Another credit bureau report, in this case XXXX has XXXX collection item and that XXXX has an even lower rating yet everything else on that XXXX is positive. Unless they 're basing the whole report on XXXX small collection item, then I should have a good rating with them also. 

This is clearly a racket ; these bureaus are in cahoots with creditors or at least their actions benefit only the creditors, certainly not the consumer. Is anything being done about this and can I submit my CBRs to you to use for an example in getting the law changed? These bureaus have way too much power and are clearly taking advantage of it.
I 've been trying to place a security freeze on my Transunion file because I am a victim of identity theft. I was able to place freezes online with both   XXXX    and   XXXX   with no problem. I 've gone through Transunion 's online process multiple times on different days, and every time ( after giving all my information, including my credit card billing info  )  their website gives me the same error : " we are unable to process your request at this time ''. It is obviously not a temporary issue, since it 's been happening consistently for a week. This leaves me, and any other consumer trying to do the same thing, no other option but to call their " customer service '' line which is in a foreign country where many US consumers do not feel safe giving out all of their personal information ( if they can get through to a person at all- which only happens part of the time ). Transunion has made it literally impossible to do something that we have a legal right to do, and which is essential for victims of identity theft.
our loan is biweekly with a payment amount of {$360.00} every 2 weeks. Our monthly statement show our monthly payment as {$360.00} despite that being the payment every two weeks. Our annual escrow analysis also shows our monthly payment as {$360.00} which is not even half of what would be monthly. Nationstar began servicing this account XX/XX/2015 and it has been wrong every month. We have repeatedly contacted them through their corporate offices and only get promises to fix it. We feel our statements should be correct.
I have dealt with NavientXXXX for the last 6 years and have always had so many issues. Not only have I been harassed with phone calls on payments, my family has been harassed as well. I have also never been advised to seek XXXXhouse income based programs for any of my student loans ( private, education or federal ) and have always been told that I can only apply for their programs, most of which I can not afford the payments based on my income. I understand there is a current investigation on this loan provider and I ca n't seem to find information on how to get involved with this investigation to see if I have been overcharged or scammed. Any information on this would be very helpful and much appreciated.
I reside in Texas.i signed a LESSEES AFFIDAVIT OF PRIMARY NON INCOME PRODUCING VEHICLE FORM # XXXX I believe is an exemption from my having to pay property tax on this vehicle..I was charged a miscellaneous fee of {$110.00} on my XXXX XXXX lease payment.i called and was told it is a PROPERTY TAX CHARGE ... and they pay the tax but I have to reimburse them. If I am basically renting the vehicle and they own the vehicle why do I have to reimburse the property tax ... also why is it presented as a misc. fee instead of a property tax ... what if I file an itemized tax return? Do I get to claim this charge or does XXXX not only charge me, but also claim the deduction ... ..how does this work. If Im paying a property tax I need documentation to show I paid a tax and not a fee.
Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CBSA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
I have been receiving calls everyday since XXXX XXXX, 2018 from Navient. I have asked them to remove my number from their call list because I do not have an account with them. They told me they would fix it in 24 hours and it 's been over 10 days. They are continuing to harrass me. I do n't even know the person they are calling.
I was refinancing my home. I was moving from a fixed mortgage with Wells Fargo to one with XXXX. I signed the closing documents on about the XX/XX/XXXX. A few weeks later I got a call from XXXX telling me they were having a problem. Wells Fargo was telling them the payoff amount was short even though XXXX was sending what they were told to in the payoff quote. The representative from Wells Fargo explained the payoff amount assumed I had made the XX/XX/XXXX payment but never verified. I explained to them I did not have an extra months payment but would be happy if that is what the problem was to enter a payment plan. The Wells Fargo representative said they would go set it up and get back to me. For the next five week both my loan officer and myself tried to get back in touch with the individual from Wells Fargo. I finally called to complain and was able to get this individuals supervisor. He told me what had been proposed could not work and they would only accept a full payment which now was up to two months with penalties. Again I told him I could not afford that and I had already begun to make payments to XXXX. He told me he would get back with me. Three weeks later I still ca n't get a hold of him. In the mean time I am paying on my XXXX mortgage but still getting bills from Wells Fargo. WellFargo is now telling me I am at risk of loosing my home. I have spent days talking to different people at Wells Fargo but none can help me. Once told me I should retain an attorney. I called HUD and got the same advice from them.
I have been working with corporate customer service with BancorpSouth during XX/XX/XXXX and XX/XX/XXXX.  They refuse to follow guidelines clearly outlined in the FHA handbook regarding our FHA loan. 

BancorpSouth refuses to follow guidelines from the FHA handbook on our mortgage. 
Page 591 of the FHA Handbook 4000.1 allows banks to drop the PMI premium at the borrower 's request. We have requested this a number of times but BancorpSouth reports that if they do it for us they'd have to " do it for everyone. '' I spoke with a number of people up there including XXXX XXXX who is their customer service manager.
Transunion has repeatedly reported inaccuate information that has negatively impacted my credit reports and scores. The Company failed on numerous occasions to VALIDATE debt from XXXX  XXXX XXXX. The Companys website lags tremendously, and I am no longer allowed access to dispute forms. The Company also has continued to report accounts ( XXXX, XXXX, XXXX, ). These accounts were successfully disputed after being sold to XXXX XXXX and XXXX XXXX XXXX. Transunion has yet to remove the accounts from my credit reports.
At issue is whether or not it is legally permissible for Peoples Unit ed Bank of Connecticut ( " People 's Bank '' ) to act without our permission or authorization to take money from our account because Peoples Bank assumed the funds belonged to the Social Security branch of the Federal Government. Also at issue is Peoples Bank failure to provide us with the Governments written instruction, as we h ave requested.      People 's Bank wi thdrew {$1500.00} from our account ( owned by  XXXX   XXXX  and  XXXX   XXXX   ) o n  XXXX   XXXX ,  2017  to satisfy a debt owed by  XXXX   XXXX   (  NOT a debt owed by  XXXX   XXXX  OR  XXXX   XXXX , the account holders from which the money was withdrawn ).  People 's Bank claims they had the authority to withdraw the money " because the government aske d them to do so. ''  XXXX   XXXX  and  XXXX   XXXX  are NOT a party to the debt claimed to be owed to the  Social Security Administration. We ha ve requested tha t People 's B an k provide us with the Government 's written instruction to withdr aw these funds - and they have ignored our request.     We have also demanded th at People 's B ank return our money - {$1500.00} - but they have ignored our request.
The loan being serviced by Shellpoint was transferred to XXXX  XXXX XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan to XXXX ; however, my current credit report shows that the loan to Shellpoint is still open, as opposed to being categorized as " closed ''. I contacted Shellpoint and the customer service representative stated that they no longer service the loan that I needed to contact XXXX. I explained that XXXX shows the loan as being paid off but open with Shellpoint. The rep again stated that XXXX was faulty. and they could not help me. 

Loan No.XXXX Contact info : SHELLPOINT XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Phone # : XXXX
Called Dovenmuehle Mortgage on XXXX/XXXX/16 and requested to have our escrow account closed out since we were planning to pay the loan off shortly, and have the balance of XXXX sent to us, and was told that they had put a request in, and that it would take 15 days to process our request, and that they would then mail us a check for the remaining balance. What they failed to tell us, which we found out a few days later when we called in, is that they first had to send us a form to be filled out before they would even consider closing out our escrow account, and that it could take up to 7 days to receive the form. Although every time we called to check to see if the form had been sent out yet, and talked to countless supervisors, they claimed every time we called that the form had been sent out the day of our request on XXXX/XXXX/16. When we finally received the form over two weeks later though, it was postmarked for XXXX/XXXX/16, so had not been sent out on XXXX/XXXX/16 as they had claimed. Although we faxed the form to them to help speed up the process they still took several days to process the form, but finally approved our request on XXXX/XXXX/16, which is the date they are now claiming that the escrow check was mailed out to us. Although it is now XXXX/XXXX/16 we have still not received the escrow check, and doubt that it has even been mailed out yet, as this seems to just be another one of their delay tactics to hold onto our money as long as possible. And the only thing they will tell us when we call in is that if we 've not received our escrow check in 30 days that they will send another check, which is unacceptable. This is our money, not theirs, as it is from our escrow account. So we should not have to wait 2 to 3 months for them to send it.
I have been charged and had two prior collections account for the same medical bill and the same amount {$330.00}. Finally I got those two collections deleted from my credit and now I have one more collection for the same medical bill and same amount reported on XXXX. I never received a phone call/mail/email notifying anything. They just added a 3rd account for the same charge without any notice.
After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions.
XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called multiple times and they kept giving me the run around. I 've sent in the proper documents and still no results.
XXXX mortgage payments were given at same time. Called to get half back and they did not process request. Called numerous times with several different reps and supervisors and no one could help or give answers. After a week and a half they submitted it again. Customers can not talk to anyone above the rep level and if you get forwarded to a supervisor, none of them answer, there is no voicemail, and they do not respond to online messages. Bad business
With regard to the XXXX XXXX XXXX, I secured confirmation that my tax lien with IRS was satisfied in XXXX. I disputed the lien report with Equifax in XXXX XXXX and again shortly thereafter as they claimed not to have proper identification information. I requested that the tax lien for {$9100.00} in the Public Record section of my Equifax Credit Report be removed and provided a copy of the Certificate of Release of Federal Tax Lien. Equifax will not remove the lien entry from my credit record. I would appreciate your assistance.
I have received numerous phone calls at work from Wilson, Riley and Associates at XXXX leaving messages that I need to call back immediately or face legal repercussions. I do not have bad credit or any outstanding debts. I called back and the male that answered the phone was very rude and disrespectful. I told him not to call me at work, I am not XXXX XXXX and I was going to report him for contacting me. He said he is within his rights to contact me and to have fun trying to file a complaint. I do not want this company calling me and harassing me at work. I could lose my job for having personal phone calls like this. My job also does credit checks and my good credit is dependent on me keeping my job. This is creating a stressful unnecessary hardship for me.
This collection agency keeps disputing my request to validate who they are, this is the third letter between us and every time I asked the debt collector, Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. and all they keep sending us is a copy of this lease agreement. I keep asking this collection agency these questions so we can move forward but they have disregarded my intent for them to prove who they are.Also, this collection agency did not contact me and my mother within the five ( 5 ) days of them retaining this debt. I 've also stated to this collection agency three ( 3 ) times that this debt is in dispute and that we do not owe this debt that this apartment complex is saying we owe but yet, national credit systems is not trying to here it, and are still reporting this debt as validated to all three credit bureaus in which is harming I and my mother credit history .Do we have a case? Thanks
We bought a range online and were offered an option to use PayPal line of credit. We accepted and they approved for slightly more than the purchase price. 

They then refused to honor the credit line for that same purchase saying it was a new account so we needed to develop a history with them. 

The reps were unhelpful and acknowledged that this happens as " they advertise at point of purchase '' and then decide whether they will let you use the whole credit line. The supervisor, XXXX XXXX in the Maryland office was particularly rude and unhelpful. 

Locking the credit is ridiculous as they extended it specifically to buy this product and have now stuck us with an unwanted line of credit. If we close and get somewhere else it will impact our credit. It is a classic bait and switch to get us to open the credit line and then not let us use it or even appeal to a department in PayPal Security. 

Their reps and supervisors say nothing can be done. No one can take the security block off. They obniously have heard this complaint before. 

This is clearly a scam, funded by XXXX XXXX.
I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Professional Placement Services. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) was paid in full on XX/XX/XXXX. After reviewing my credit report I noticed a few issues that are very concerning to me. Professional Placement Services has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX & XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind these claims were paid in full long ago! This company calls my house every day, Monday through Sunday. They call several times a day. I get calls on Sunday 's at XXXX XXXX. All for debt that I paid off a long time ago. I have never received a statement from Professional Placement Services for these two claims so I can't attach them for reference.
I paid my mortgage and Guild Mortgage still reported it 30 days late. I paid after hours but on the date. I showed them proof and everything and they still haven't fixed it. I want them to update that payment.
Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. I have not purchased anything from XXXX Since XX/XX/2014, XXXX fraudulent orders were placed on my account subsequently for XXXX products which I have no use or need for. Prior to these orders being placed, XXXX was advised to close account. However, request ( s ) were ignored and orders were placed thereafter. There is tracking info for only XXXX of the XXXX orders, supposedly signed for by XXXX. For the record, I do not ever sign my name as XXXX. The XXXX order, also an XXXX product, does not have any tracking info or a signature. XXXX was advised numerous times that I did not place these orders and did not receive them. Several affidavits were sent in, however, nothing done and insist I continue to send in additional ones which I refused to do. Complaints were filed with XXXX against XXXX and XXXX as well as with FDIC, CFPB ( Consumer Financial Protection Bureau ), all unresolved. They insist I pay the debt for items I did not order or receive and claim to have " thoroughly investigated '' the orders. Their " thorough investigation '' consists of verifying billing and shipping address which proves nothing. Obviously the billing and shipping addresses match, otherwise the orders would not have been processed and shipped. I have not ordered anything from XXXX since XX/XX/2014 because their prices are extremely high, you can find most of their items for less at most retailers, their service is VERY poor as I have described above. Please advise Schlee & Stillman , LLC I refuse to pay them or XXXX.
The company i am speaking on today is Experian. I was told to call them to reach out about an issue that happen where Inquires were removed from my credit report, than a short time later they were back on and it hurt my credit report bad. Below is the ones that i have issues with. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX   Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX ) XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, OR XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX  | ( XXXX  ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, MN XXXX | ( XXXX  ) XXXX