WillisBack/dataset-financial-user-claim huggingface dataset:
Over charging of interest on auto loan. I purchased a XXXX Volkswagen Jetta on XXXX XXXX, XXXX in the amount of {$20000.00} and on XXXX XXXX, XXXX I went to trade the vehicle in and was told that I still owe {$19000.00} and the value of the vehicle is only {$6000.00}. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is {$19000.00}. I inquired why I still owed almost the same amount on the vehicle after paying {$520.00} for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the {$20000.00} an interest amount of {$17000.00}. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in XX/XX/XXXX I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.
We started the pre-qual process to get pre-approved to purchase new home with XXXX XXXX XXXX XXXX in XX/XX/2018 and we received the pre-approval for up to $ XXXX and we started the search process to purchase a home and started bidding in XXXX thru XXXX until we got closing date by end of XXXX by then we spent so much time and effort with our Realestat agent abd by then we spent {$550.00} for inspection and {$500.00} for the appraisal that was performed by the XXXX XXXX XXXX which we never seen what company performed the appraisal and how much were there paid? But just {$500.00} bill from XXXX XXXX XXXX 24 hours before the closing date that was set by XXXX XXXX, they XXXX canceled the closing and denied us the loan and we lost the purchase of the house 24 hrs before closing, lost the {$500.00} apraisal, {$550.00} Inspection and they left us struggling thru the seller lawyer who refused to return our $ XXXX. 
This XXXX XXXX Mortgage company process over 3 months and many papers an endless demands until they finally gave us the final approval and they sat the closing date then denied the loan Very unethical Very unprofessional They play all kind of games to get you in then the deny your loan after you get deep in process and expenses
USAA has raised my fix VA loan payment approx $ 176  monthly in retaliation for exposing their taking of a double hazard payment from my escrow account. USAA refused to return the mandatory over payments they charged me to makeup the shortage caused by the double hazard payment of approx {$250.00} and then charged me an additional approx {$150.00}. in fees. 

The increase in the monthly payment corresponds with the amount referenced above originally misappropriated to cover the escrow shortage created by their taking a double hazard payment and additional fees. 

USAA then continually changes the point of contact requiring that the new POC have a " few days '' to review the matter. This wastes time, causes significant delays and unearned fees to be collected even when USAA knows the fees are not valid. I have been unsuccessful in getting the assigned rep to return calls and the servicing company XXXX to answer or return calls. Both companies avoid the matter and if they call provide half answers or no answers at all again requiring a " few days '' to " research '' the matter.
I have sent debt validation letter XX/XX/2018 on to this alleged debt. The collection agency have failed to respond to alleged debt. They also sent return receipt back on XX/XX/2018 and still no responds.
Hello, I filed a price protection claim and have yet to receive the attestation form. I have followed up 3 times and each time I get the same response that the form was sent and it now will be resent. The claim will be closed in 45 days if they do not receive this form from me.
I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.
Paid a fee I didn't receive the grant money.from this phone number XXXX XXXX XXXX.to this name.XXXX XXXXSpokane city Washington.XXXX.I sent XXXX  dollars money gram to this address.ticket number.XXXX.what can I do to get my money back or have them indicted.my name XXXX XXXX XXXX XXXX XXXX.the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with XXXX XXXX, Equifax and XXXX but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.
I sent an letter on XX/XX/2018 advising that I was revoking authorization to debit my account. I sent the letter certified mail tracking number XXXX. I also placed a stop payment on my account to my account from being debited however, they debited my account anyway.
XXXX XXXX amount owed XXXX, i have call XXXX XXXX repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
After being sold on the idea of 0 % interest, then making an in-store purchase of {$660.00} to take advantage of the 0 % interest promo, we were shocked by a {$49.00} " Annual Fee '' being placed on our statement that we were not made aware of. Had we been made aware of the {$49.00} " Annual Fee '' we would have simply paid cash or used one of of our other 0 % interest cards that do not charge us ridiculous fees.
XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.
I am writing to report unexplainable fees charged on my XXXX XXXX XXXX XXXX credit card. It is my financial habit to pay off any charges incurred on my XXXX credit card within the allotted time to avoid interest charges for current purchases. On my XXXX 2017 XXXX 's account statement, I received a fees charged for the amount of {$2.00} on an account for which I had a zero balance. I took action and contacted customer service to inquiry about the fees charged on XXXX XXXX, 2017 @ XXXX XXXX However, no one could explain what the fees were for or why the fees were incurred in the first place. They agreed to waive the fees but I had to pay the unexplained {$2.00} prior to the XX/XX/XXXX statement due date to avoid incurring interest at 29.9 %, and a late fee on the unexplainable {$2.00} fees charge on an account that has a XXXX ( XXXX ) balance. I took action to protect my good credit reputation and paid the illegal fees charges of {$2.00} in XX/XX/XXXX. Please note something fraudulent is happening with the XXXX 's account. Because the illegal fee amount is small, perhaps the company is hoping it 's customer 's will overlook it. Yet, if unexplained fee of {$2.00} by the number of customers who have a XXXX 's account, the fraudulent charges could bring in a hefty sum.
I have been trying to pay off my student loans since leaving college in 2010. At the beginning of the repayment period, my loans hovered at approx. $ XXXX due. I have paid my student loans ( never late beyond 30 days ) despite job losses and today my payment has increased to $ XXXX with no end in sight. I 've tried income driven repayment plans with no help. Unless I double my payments, I will see no progress in paying down. Not to mention that my loans ( which are supposed to be consolidated ) have varied interest rates attached to each loan. The rates range from 2.10 to 6.8 %. The website used to pay my loans is no help with trying to determine how to properly allocate my payments and the customer service number ( when it 's working ) leads to no help. I do n't understand why a consolidated student loan comes with varied interest rates. I would like someone to review my file and help me determine the best way to accomplish repayment. As it stands I will being paying these loans for 20 years when the rest will supposedly be forgiven.
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 AMCOL SYSTEMS
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
There are many mistakes in my report, Unverified Accounts :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX    Account #  XXXX   XXXX /  XXXX   XXXX    XXXX /  XXXX    Account #   XXXX     XXXX   XXXX   Account #   XXXX     XXXX /  XXXX   XXXX   Account #   XXXX    XXXX /  XXXX    Account #   XXXX    XXXX / XXXX  Account #   XXXX     XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX  Beside that, I have never paid late this account  XXXX   XXXX   XXXX   Account #  XXXX
XXXX. changed the DOFD and the amount due. It took me a few weeks to research and find out if someone had used my name to get a new credit card in my name in XX/XX/2015. But I later discovered that it was the change of DOFD, the amount and making the old account appear new or more recent that put me on alert. I would like this inaccurate information removed from my credit file.
I went in to the U.S. Bank location on XXXX XXXX XXXX XXXX. in XXXX, MO to consolidate two savings accounts. While I was there the banker was extremely concerned that I did not have overdraft protection on my account, and asked me why. I told him it was because I didn't need it, and have no interest in adding it. He kept pushing and asking if he could add it, so I finally said yes in order to get out of there. He said it would take 5 minutes, and I said I didn't want to wait and didn't need this protection. He told me it would actually take just a minute and he was almost done. He had me sign my name on a digital screen, telling me it was to consent to add overdraft protection to my account. Several days later I received an email from U.S. Bank congratulating me on opening my new personal line of credit. I was extremely concerned and initially believed that my account had been hacked. I logged into my account online and saw that I had a new personal line of credit called " overdraft protection ''. The banker never told me that I was opening a personal line of credit, and I never would have consented to opening such an account. At best this was extremely unethical and misleading, at worst it was illegal.
In the contract and statements it says after the XXXX a late fee of XXXX will be charged. But now the 10 day late letter already has the XXXX fee included. If the statement says after XXXX this will be charged that's illegal to charge the fee after day 1 and with the 10 day letter. I've also filed a complaint with the Texas State Attorney Generals office. The debt collection practices are inconsistent and confusing. I'm sending another complain to the CA SAG office. My monthly payment is {$810.00} and that should stay {$810.00} until after the XXXX of the Month. As you can see from the statements the 10 DAY LETTER already has the late fee assessed. But legally this is bound to the statement on the statements that " LATE FEES ARE ASSESSED AFTER 15 DAYS ''. They can not send me a 10 day past due notice with the late fees already assessed. I've also reached out to other Sofi members who have seen the same thing with this company.
It HAS been thirty days, and I have received no proof of validation of this account. This goes against my rights under the FCRA. I have never had any contact with this business. I never received any documentation for the said debt from " XXXX XXXX ''. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! I asked for documentation XX/XX/XXXX and have not recieved anything as of XX/XX/XXXX. This company re reported to CRAs on XX/XX/XXXX YET DIDNT PROVIDE ME PROOF OF VALIDITY BEFORE IT WAS RE REPORTED! I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

PLEASE REMOVE TRADE FROM ALL CRAs ASAP!
My mortgage was transferred from XXXX to Nationstar. Nationstar is charging a {$9.00} processing fee for any online payments made after 9 days, even though according to my mortgage I have two weeks before a late fee is assessed. This seems like a late fee by another name.
I contacted Navient Student Loan Service at XXXX and asked why my monthly payment reflects an inflated and incorrect amount. This information is affecting my credit score and my ability to exercise my consumer rights to credit based on my credit score. Navient informed me that they do not know how to fix the problem. A supervisor advised me to file a complaint and they would note the account accordingly, so the issue may be corrected when CFPB contacts them. 

My current payment is {$110.00}. My credit report shows $ 700+ monthly payment. My payment has never been $ 700+ a month, so I do not have an explanation for the error.
I closed my account with XXXX and paid my account in full. They never explained or let me know about any equipment I needed to return. I also bought my own router too, I thought I did n't need to return anything since they never mention it. I 'm not sure what is the equipment they are charging me for, and why in the whole would they sent this account to a collection agency if it had been only 3 weeks, no 3 months, but 3 weeks since I closed my account. What is this? A pay back because I closed my account with them? I am in the process of buying a house, the least thing I want right now is some account collection showing on my credit report.
Since XXXX XXXX XXXX sold my mortgage to Nationstar about 2 years ago in XXXX, I have been having numerous issues with making my payments and with payments being sent in before the XXXX of every month, they have put payments in escrow or in a suspense account, instead of applying the payments to the actual payment or to the principal. I have even sent in extra money to apply towards the payment and the extra monies were placed in a suspense account, and later Nationstar will charge late fees to my account upwards of {$300.00} every month, which notes as a full payment late on my account. I have also had full payments mailed back to me with no true explanation, which also started with XXXX XXXX XXXX. Also, my mortgage payment has NEVER been the same amount. Every statement I have received since dealing with this company has been a different amount. I have a fixed rate mortgage, but for some reason my bill changes monthly!!! I have called several times to settle this matter, however no one can give me an explanation other than saying that my payment is late. I have asked several customer service representatives how to get my payment to a consistent amount, however I am just told to pay what I owe, and even if I pay several hundreds of dollars over that amount, I am still reported as late, and my extra payment will be placed in the suspense account again! Even with me making my payment on time, this company has reported me late to all three-credit agencies for several months. I have no other options, as speaking with Nationstar has gotten me nowhere, and they do not seem to care. I am desperately trying to repair my credit and I have no other blemishes on my credit report, except for Nationstar who I pay ON TIME every month!!! I have every statement sent and every check that I have sent in. I have even tried to wire them the payment, which is still reported as late. I feel as if I will never be able to pay off my mortgage at this rate. My credit has taken a significant hit with this company. I have had them send me a copy of every transaction since I was sold to them and nothing seems to make sense. All I want is for this situation to be corrected. This has been stressful for my husband and I, as it has ruined our chances of obtaining other properties and getting reduced interest rates on other loans. I think a fair resolution would be for Nationstar to contact each of the credit reporting agencies and explain that we ARE NOT late on our mortgage ( they have not reported since XXXX XXXX )
Whenever I try and pull my Equifax report it comes back as " no data returned '' and creditors ca n't access my report either
I have signed up for AMEX XXXX card back in XXXX, XXXX with a XXXX application. 
I have linked my XXXX Credit Card account with AMEX SERVE account and transferred {$70.00} They send me AMEX SERVE card. 
I have used my XXXX application several times until XXXX. After that i have stopped using it. 
Starting from XXXX, XXXX they have started charging me monthly fees {$4.00} without any notice. 
I came to notice this on XXXX XXXX, XXXX when i received Email from AMEX XXXX Team saying, " They have added {$50.00} from my XXXX account, because my balance was below {$25.00}. '' This is something not acceptable. 
First of all, They did not send me any notice, email, phone call, not even a physical mail or not even a single statement since i have opened account. 
If i would have received at least a statement in mail/email, i would have closed my account so that i wont get charged monthly fees for the service or card which i am not using at all. 
Please file a complaint and let me know what i have to submit as a proof. 
After i have received email on XXXX XXXX, XXXX, i checked account and saved all the statements and i came to know that i was charged $ XXXX since XXXX, XXXX.
I'm a veteran and open a saving and checking account with Navy Credit Union. I also open a money market account. I deposit several thousands and requested to get a personal loan for XXXX. I have excellent credit and no challenges. My debt to ratio is extremely low and have paid all accounts as described. I also have enough income to cover the loan amount. I questioned the desired amount and it was 12k less  then what I asked and I still would need to place 3 % down. I question the amount with phone rep and she turned the conversation around and attempted to stop my interaction by phone or in person with Navy Credit Union. Presently I cant speak with teller at bank or by phone and I have money in Checking and money market account. They refused to allow me to do business with them and I cant enter bank to address anything about my account or by phone. I'm still seeking clarification why my loan requested was denied. Since there no reason for the denial.
On XX/XX/XXXX XXXX called from FMR or Forward Movement Recovery and left a message about location and tracing. If I did n't call back they would call all references. I called back XXXX ext XXXX. XXXX  stated the loan was taken out XX/XX/XXXX and listed XXXX XXXX. My XXXX XXXX account was closed in XX/XX/XXXX-XX/XX/XXXX. I asked if he could send me the original contract which he said no. I then asked him to tell me what the expiration date on my driver license was since he said he had a copy. Once again was told no. So I contacted XXXX XXXX XXXX at XXXX. They stated their systems go back to XX/XX/XXXX and could n't locate me in their system. So I called back FMR and stated that the original debtor does n't have me in their system. He said that they broke the law by telling me that which is odd since that 's who I owe the money to supposedly and that he was just a mediator. They hung up on me and refused to give me any info.
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, XXXX and TranUnion more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.