WillisBack/dataset-financial-user-claim huggingface dataset:
There were fraudulent transactions on my credit card for which I promptly notified XXXX XXXX. They cancelled the current card and sent out a new one. In the mean time they purported to open a fraud investigation about the charges. However after 3 calls and waiting 30 days, the charge is still on my credit card in addition to a fee for foreign transaction fee levied by XXXX XXXX. Over the course of those 3 calls they assured me it would be removed in 30 days, but we 're still waiting and I refuse to pay the bill with fraudulent charges on the statement. They could have easily put the charge in disputed status so it neither affected my balance nor was added to my statement, but the refused.
A long-time customer of ACE Cash express, I took out a loan late XXXX. It was an installment loan, and my payments were about {$220.00} a month for 6 months. I hit on some expenses resulting from personal health issues.My elderly mother took sick as well, making it necessary for me to travel back and forth to take care of her. I had been in communication with ACE about this. I called them XXXX/XXXX/XXXX to advise them that I would get back in touch with them on XXXX/XXXX/XXXX to make a payment, at which time I would have funds to work with. I then left and went to be with my mother in the hospital for 3 days during XXXX.I had just enough money for gas and meals while I was with her, and to pay on my phone and electric bills. I had no more than that to pay anything else. Ace debited my account without my authorization for the full {$220.00} I owed them. Yes, I owed them the money ( even though with the XXXX installment payments I had already made, I had paid them more than twice the amount of the loan, which I knew going in ). But I do not feel they were within their rights to debit my account WITHOUT MY AUTHORIZATION! This created a horrible situation for me, and I was already dealing with my own health issues as well as my mother 's. When I called and spoke with a supervisor, they were not interested in trying to redeem the situation. The fact that I had been a GOOD customer for 10 years or more made no difference to them.They had never done anything like this before. Presently I have a letter pending to their president, but I do not expect anything more than a canned response telling me how it was their right to take their money because I did not have any payment arrangement in place with them.But could they not have advised me that this was their intention when I spoke with them, prior to doing this?
The Rewards from the XXXX XXXX issued XXXX XXXX XXXX do n't actually redeem. I have n't been able to redeem the Rewards towards purchases to date, every time I have tried to redeem the Rewards online or in store, the Rewards is always empty or not available to use. The reps tell me the money is there and available, but when I try to use the Rewards no funds are actually there. I 've tried to resolve multiple times via email, phone and in person. It 's false advertising that Rewards are issued but not able to be redeemed.
I applied for a loan online with this company on XXXX/XXXX/XXXX. I was approved for a loan of {$1500.00}. I previously filed a complaint with the CFPB stating that the Truth in Lending disclosures were NOT visible until AFTER the loan had been processed and funds delivered to my account. This company denies this fact, which is a COMPLETE FABRICATION OF THE TRUTH ON THEIR PART. The loan in question is NOT LEGAL, this company, I have learned is NOT LICENSED to do business in my state of residence, making their contract UNENFORCEABLE and ILLEGAL. This company has received XXXX from me to date and still indicate that I owe them at minimum $ XXXX. Under California law, ALL consumer lenders MUST be licensed by the XXXX XXXX California XXXX XXXX XXXX, may lend no more that {$300.00}, and may not charge more than a 15 % interest rate. All of the laws in the state of California pertaining to this loan have been violated making the loan ILLEGAL and the LENDER unlicensed and their contract invalid. They have harrassed me by phone and email as well. This company is predatory and their business practices are NOT XXXX in the state of California.
I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using  the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com  requested I fill out a paper request and send i n the US ma il along with documents proving I was who I said I was ( copy of  XXXX , Driver 's License, pay stub ). All three credit agencie s (  XXXX , Experian, and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in. Experian finally gave me my credit report after satisfying identity verification.  With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports throu gh the US mail, I was able to dispute online that same address. But now, with  XXXX , they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of   XXXX   items that they required to prove my identity, one of  which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent   XXXX   extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitiv e documents three tim es is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?
I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.
Equifax needs to delete and block these fraudulent accounts immediately : 1.  XXXX /  XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX    3.  XXXX  Accounts
I agreed to have XXXX take out XXXX a month for credit monitoring. They suddenly started 4 months ago taking out XXXX. I called XXXX and I got no response. I also called Barclays and I talked to a manager named " XXXX ''. He is refusing to give me another credit card number. He is also refusing to investigate the charge because he says I need a copy of the contract. I do not have a contract. They are obligated to contact XXXX.
I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. 
XXXX XXXX
I have been with Mobiloans for 4 years and through their reward program, I earned the status of Diamond. Diamond status would allow me to receive an 80 % discount on fees. As of XX/XX/2018 the fee discount will be reduced from 80 % to 65 %. My fees were {$22.00} every two weeks and now they are {$38.00} ( an increase of {$16.00} ). I called Mobiloans on XX/XX/18 and inquired about the increase that I noticed on the website. She advised me that everyone has to pay the increase. I called again today, XX/XX/18 because the fees are too high and will take me longer to pay off the loan. The first representative tried to tell me that there was an opt-in or an opt-out and the time has passed to select either. I told the representative that I had no knowledge of an option at all. And at no time did the representative advise me that their was an opt-in or opt-out from the XX/XX/18 call. I asked to speak with the Supervisor and I was connected to XXXX. She told me that she would review the call from XX/XX/18. XXXX advised me that they will not be able to change the opt-in or opt-out since I didn't give the representative at the time my choice. I reiterated to XXXX that I was never given a choice and I believe this to be deceitful and I plan to file a complaint with the CFPB. She then advised me that she would send it over to her legal department. I never received an email regarding the increase either. Nor did the website advise of an opt-in or opt-out.
My complaint is with Navient and how they abruptly ended my in-school deferment with no warning. When I asked why, XXXX answer was because I was only allowed XXXX months of in-school deferment and after they could not tell me where this was on the MPN, they told me that they could change my terms and conditions whenever they got ready. They continue to provide incorrect information and ca n't ever seem to provide me with accurate loan dates, deferment dates, payment history etc. I asked XXXX people for my MPN and I only received XXXX copy. I took out my first loan with XXXX XXXX in XXXX, I had a tuition answer loan and the terms did not state anything about a XXXX-month in-school deferment. After I graduated from undergrad in XXXX ( XXXX University, XXXX, XXXX ) I attended XXXX XXXX off and on until XXXX. If I had XXXX months of in-school deferment, I would have heard about it way before now. I called today and asked them if they could do something to lower my payments, they told me that in order to do that, they would need to run my credit and the co-signers credit, and review our financial statements. I asked how I could remove the cosigner from the loan and I was told that I would need to make a XXXX of on-time payments. I asked if I had done that already, and I was told since I just did a forbearance ( I was forced to do, since I was n't prepared for them to change my loan terms ) I would need to start over from that point for the next year proving that I could make payments. I asked about my previous loan payment history and I was told that did n't matter since I may not be able to make the payments now. She did n't even bother to look. Please do something about Navient 's shady tactics. I do n't want to be punished for trying to make affordable payments. 

I even contacted my current school 's ( XXXX University, XXXX, XXXX ) financial aid office to inquire about XXXX months of in-school deferment for private loans and even the director of Financial Aid had never even heard of such.
XXXX   XXXX   XXXX  was evicted by  XXXX  properties in  XXXX . In  XXXX ,  XXXX  's attorney and I reached an agreed order for limited dissemination pursuant to RCW 59.18.367. The order says " tenant screening providers are prohibited from disclosing the existence of this unlawful detainer action in any tenant screening report... " Ms.  XXXX  is living in her car with her  XXXX  minor children because each and every time she applies for a tenancy the report comes back detailing this eviction.     To make matters worse, I can not add her to this complaint as an additional person to send information to because she is homeless.
XXXX placed me into collection for a balance due. Penn credit corp is the collection agency. XXXX have found that a large portion of the debt is fraudulent. I paid the small amount that they said I owed although I dont believe I did. Penn credit did not adjust the balance due or the payment and continue to falsely report it delinquent on my credit report even though Ive asked them to update the records to show that the account is not delinquent. I was also told to dispute the amount in writing. I did and received no response. I was also told verbally that they couldnt provide me with proof of the debt because it went back more than three months and they could not get invoices older than three months. This fraudulent report caused my credit report to drop 45 points. My credit lines were lowered which further dropped and the interest rate on my student loan increased from 6 % to 9.5 %.
My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.
Old account that is my ex husbands, I requested validation and received a response back which I am attaching for your assistance. Please help
Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With TransUnion and XXXX I have n't been able, as they stated that XXXX needs to be the one requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
I contacted care credit to see what the minimum requirements were for getting approval on an application. They could not provide me a credit score or debt to income guideline. They only stated that they could not advise a client of what was needed in the event that it deterred a client from applying. As a consumer I asked for the transparency of truth in lending and cfpb to please be recognized and provide the requested information. They refused. How am I, as a consumer, allowed to make a well informed decision on when to run my credit if the providing company will not share specific details that their system and underwriters are privy to? I would like a better response to this question or at least know if they are within guidelines to denied me this information. 

Thank you, XXXX XXXX
This number keeps calling me EVERY DAY starting early in the morning to night. They never say who they are, but it has the Wells Fargo automated message in the beginning when I answer or if I call back. Not sure if this is a scam because they immediately ask for my credit card number before anything else. They wo n't say whether they are a debt collector but they mention that I owe money. I have spoke with them a few times and explained my recent situation and that I am unable to make the payment at the moment. I have asked them kindly to stop calling me and they still wo n't stop. I am woken up from their calls and last time I talked with someone they called me stupid and I need to get my act together before I get arrested. I do n't know what to do, because they change numbers all the time so even if I block XXXX number, they still contact me on another. I keep telling them to stop over the phone and they agree they will, then they still keep calling me. It is interfering with my sleep but also making me very nervous. How do I get them to stop? Thanks.
Multiple times more money than pre arranged has been taken out of my checking account not allowing to pay other bills and when trying to set up reasonable payments I have been told the amount I can pay a month is not enough and if I do pay I can never afford to pay more than the interest off so I never bring the principal down
On XX/XX/2018 my checking account was charged a {$15.00} maintenance fee for account that was fully funded. I called TD Bank customer service to rectify the situation but XXXX the agent locked up his computer and refused to assist me. Soon after I sent said bank an email with my concerns and have not receive a response.
I have been receiving calls for months from XXXX XXXX XXXX XXXX XXXX XXXX. A recorded message is asking for a XXXX XXXX. I do not know this person! 
After getting these calls for weeks, I finally called them and asked them to take them off of their calling list. They refused because I would not provide them with my personal information. I am XXXX   with XXXX XXXX so it is difficult for me to get to the phone. I don't need these calls! They call very often. I have a very small CID, but I have that this month alone, they called on : XX/XX/XXXX @ XXXX PM, XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM Yes, dates are correct XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM During this month, our phone / internet service has gone out on occasion with XXXX, so I don't know if they attempted to call more frequently or not. I do know that my sister-in-law XXXX XXXX and we were in a different state for a couple of days in early XXXX and when we returned there were several calls at that time. I don't know what else to do, since they only seem to want my personal information. I do not know these people ( XXXX XXXX XXXX XXXX and I do not know XXXX XXXX XXXX XXXX? XXXX. My husband 's name is XXXX, but I know he has a credit rating over 820 and we have been married for more than 30 years. Our last name ( nor any of his family ) is NOT similar to anything that sounds like XXXX?. I do not know if someone has found our number and given our number out, but I don't even give it out to doctors. I just want these calls to stop and appreciate any help you can provide.
I have a debt currently being reported on my credit report that does not belong to me and that the issuing creditor refuses to remove. After reviewing my credit report ( see attached ), as I do on a regular basis, I determined that an invalid debt existed on my report. I contacted my legal counsel who contacted the creditor telephonically and via written correspondence ( see attached ). The credit reporting agency indicated that the debt was associated with another creditor but refused to remove the debt from my credit report and refused to provide proof of debt as requested by my counsel. I have disputed the debt with the credit reporting agency TransUnion and received the attached response. My counsel suggested I file this complaint to prevent this invalid debt from impacting my security clearance and my assignment cycle. 
Your assistance is appreciated.
Today I called CashNetUSA, concerning my loan and the interest they are charging me. I called CashNetUSA and spoke with XXXX concerning my situation. I told her I had been a customer since XXXX, never been late, and only have missed one payment my entire time being a customer. The {$450.00} coming out of my check from CashNetUSA bi-weekly, is killing me and would they please consider lowering the interest so that I can afford to pay back this loan. I even asked to not give me borrowing privileges and make arrangements to pay $ XXXX monthly and to pay off the balance of {$3600.00}. XXXX informed me that she appreciated my business and longevity as a customer but the best that she could offer me is -- to skip my payment tomorrow and put it on the back end in four separate payments. To break it down, cancel my payment for XX/XX/XXXX and change the next four bi-weekly payments to {$560.00}. I asked how is that helping me?? She said that CashNetUSA does not lower interest rates under any circumstances nor do they reduce payments. She said their annual interest rate is 299 % yearly! She stated the only way that I could possibly get help is if I was in the Military. I would like to make a complaint under the Predatory Lending and Unfair Credit Practices I feel CashNetUSA targeted myself as a minority, and less educated on the lending process. They also preyed on my also credit situation and problems. I also feel they failed to disclose information and disclosed false information, and practice risk-based pricing and inflated charges and fees. They also misrepresented the true costs, risks and/or appropriateness of my loan terms, and the their changes to the loan terms after the initial offer. I want to pay back this loan and keep my good standing with CashNetUSA however, I am asking the Consumer Protection Board to step in have them settle my account and set up payment arrangements with me on the balance due with no additional interest, fees, or charges to me, or my account with them. I want to pay {$250.00} a month for 14 months with a final payment of {$190.00}. Being a customer since XXXX, CashNetUSA has received their balance plus interest more times than enough from me. I have fulfilled the terms of the agreement and the company repayment structure doesn't allow pay down my balance timely or fairly. The total amount I have paid is more than 3 thousand over the course of time and I am your seeking help to close this matter to protect my credit and well being.