WillisBack/dataset-financial-user-claim huggingface dataset:
About a two months ago, I began receiving threatening phone calls from a debt collector service regarding a online payday loan that I never received. The company threatened that I committed check fraud and that there will be someone coming to my job to arrest me. I spoke to an individual who was very nasty and would not give me much information. They told me I better pay the loan and hung up. I called back and was extremely upset about this call. I was finally able to speak to someone to explain that I needed to pull my bank records from XXXX 2011. I went to the bank and pulled the information and called this company back and was told to fax the information in. WelI, I faxed in this information and called again speaking to different people and I was told that I was okay and should not get any more calls. Two days later, they began calling my cell, my father 's telephone number and my home number. I again attempted to call and explained what I was told and I reached the same nasty person STATING THAT I BETTER PAY THE MONEY AND HUNG UP. I proceeded to keep calling to get someone different and never did and then the gentleman stated that he would have them come after me for harassment. I could n't believe the conversation. I faxed the information again and left it alone. Three weeks later I receive a call on my telephone from a woman stating that she has my business address and have been given some paperwork to have me picked up and processed for this outstanding charge that I never had. This time the amount was huge and they stated that I had to pay it in order for me not to be arrested. With my job on the line I paid XXXX dollars allowing these people to have my debit card. However after getting off the phone crying, I began to contact people and told them what happened and they informed me that I was duped out of my money. The dept collectors company from the XXXX call never provided their name and all I have is telephone number XXXX and the payday loan they mentioned was XXXX XXXX. The next debt collector did provide their name XXXX XXXX XXXX located in PA and XXXX as well as the person who called to threaten that I would be picked up, XXXX. I have tried to call this number back and no one will pick up. I was given a name XXXX XXXX and the company that is now stating I owe for a payday loan is now call Midland Funding.
Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here.
My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost XXXX years trying for Harp or Hope assistance from them. It seemed they would not have received XXXX or more documents and then XXXX they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after XXXX years. Family members gave us {$25000.00} to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. 

We then ended up filing bankruptcy chapter XXXX. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On XXXX XXXX, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative to talk with our Realtor on our behalf. The Realtor has sent in the necessary paperwork. When we called to find out when we would get the answer to the short sale, we were told once she got the paperwork, she would send it to the underwriter to approve and we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, XXXX XXXX, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items -- our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said " let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about XXXX minutes hung up on us.
My name is XXXX XXXX. I am a small business owner and my account for that business was housed with the financial institution known as, Huntington National XXXX. InXX/XX/XXXX an employee of the business I ran had access to multiple checks and account information. She used these checks, and corresponding account information to steal from the business and myself. {$2700.00} was the amount taken in a 40 day timeframe. I inquired and informed my local Huntington Branch the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio. Now when this conversation happened, two things should have happened in tandem with one another immediately. 
1. Stop payments on the checks I informed the branch that I was missing 2. Account Closure. 
Neither of these required responses occurred. Instead the account continued to overdraft, expand upon the fees being allocated to my account, and eventually reported my overdrawn account to check systems as a " closed with a negative balance '' account. 
I filed a police report, I have a signed document that possess a notary stamp verifying that I swore to the fact and indemnify myself of these charges, I also attested this information to the Huntington Fraud Department. I have done everything they have requested, and instead of supporting me, a small business owner who had fraud occur on his account, through no fault or inaction of his own, they decide to tell me multiple times. They are busy. This gross negligence is unacceptable. I would simply like the fees removed, my case resolved, and the check systems report to disappear. In essence, I want Huntington to do their job.
I 've written letters to XXXX, XXXX XXXX, and Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated. Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number XXXX XXXX
At the date of purchase, the interest on the contract was not explained to me as " simple interest ''. The company is now telling me that at the end of the loan, I will still owe about {$4000.00}. I have already paid, by my account, {$22000.00} for this car, 5 years into the 72 month loan. By their account, I have only paid XXXX. If I continue to pay this loan until it is completed, I would have spent {$33000.00} on a loan that was supposed to total {$25000.00} at the end of 72 months. The interest rate on the loan was 18.8 %, which was excessive to begin with. The price of the car when I bought it was {$15000.00}. I feel as though this company is loan sharking this loan, and I have informed them that they may pick the car up, as I can not afford to continue paying this amount for a car that was never worth that to begin with. Current XXXX value of the car is {$2000.00}.
I purchased my home  XX/XX/XXXX , and my original loan was with  XXXX   XXXX . {$43000.00 } ( 2 0 % of loan ) was a 15 year loan with principle and interest of {$480.00}.  XXXX  sold the {$43000.00} to  XXXX  shortly after my purchase, the 80 % was sold to  XXXX   XXXX . I made payments for 6 years to  XXXX , none of which were being applied appropriately nor would they let me refinance to incorporate i nto one loan.  The loan was provided under false pretenses indicating that the loan was temporary, and after consistent payments, a refinance would be available. The mortgage company said this arrangement was all that was available due to the economy and mortgage industry. I asked repeatedly for a refinance and the indicated this type of loan could not be refinanced. I could not even call  XXXX  through the regular mortgage number, it was a special department at  XXXX . The loan was sold to  Greentree, then I guess Ditech f or the original amount of the loan in  XX/XX/XXXX ! I stopped paying in  XX/XX/XXXX  due to their inability to provide an accurate balances, correct terms, reporting accurate informayion and the ease of working with the company. I always ended up talking to someone in  XXXX . Ditech charged the loan off with original balance due from   XX/XX/XXXX ! They are still reporting as delinquent in  XX/XX/XXXX  even though charged off in  XX/XX/XXXX .
I used a health club XXXX under a coupon for a free week of trainings. During that first week, I liked it the second day so I asked for a membership and was told the contract would n't start until the week was up. On the fourth day, I XXXX at work. I could no longer attend the gym. I went in and filled out a form saying I am canceling my contract. Two months go by and I start receiving calls from the collection agency non stop all hours of the day claiming they never found the papers saying I ended the contract and I owe the full amount due. I spoke to the manager of the gym who says he has no idea what I 'm talking about, and its the collection agency 's problem now.
Wells Fargo is not following the California Homeowner Bill of Rights. This law banned the dual- tracking of forclosure. Wells has set a forclosure date of XXXX/XXXX/15 without giving me an answer to my completed loan modifIcation application. I have been trying to work with my bank, I believe they have not been willing to work with me because I am XXXX.
On the XX/XX/2018 I communicated and setup a payment to payoff the balance of a loan created with the XXXX called, Bigpictureloans, and was informed the total amount to payoff my outstanding balance of {$630.00} including interest and principal. The payment of {$630.00} was schedule XXXX XXXX, XXXX and was informed that the amount will be drafted out of my account on XX/XX/2018. The amount was reflected as stated and the {$630.00} was debited from my account. 

I, then received a call, from bigpictureloan stating that they were attempting to collect a debt of an amount of {$120.00}. I told them, I am stopping the communication and will transfer all information about there company to be reviewed, to authenticate their account practice. 

I am filing this complaint to prevent any further attempt to diminishing effect in a case to resolve their act on me or any other consumers who may potentially fall prey to this accounting tactic. I was told a total payoff amount and quoted to be paid in full and was confirmed by bigpictureloan. 

I don't like a fact being said and not granted, any disclosure about a past due amount must be included into a total payoff balance, when I or any customer, should ask for a total amount to payout and close their account must be honored. A failure on the system of bigpictureloan accountancy is a violation and should be fined and ceased until corrected and must be fixed. People should be granted the Right to pay off everything when they ask for it, transparently in all financial system of accountancy. 

If they have multiple incident of this act of closing by multiple consumer of bigpictureloan. The Consumer should have restitution because they may be in breach of trust.
Hello, Both XXXX AND Equifax are reporting an UNRECORDED judgment improperly and illegally! I disputed XXXX different Judgements on my Credit Reports. # XXXX & XXXX XXXX & XXXX ( this is XXXX still remaining on the XXXX report ). Equifax did not remove anything Instead they verified them and refused to remove them! I would like to file a complaint against Equifax & XXXX please see attached XXXX pages of documents there are NO Judgements against me in the record of deeds office! Equifax & XXXX are the only Credit Reporting Agency that has refused to properly investigate an account on my report of a recorded judgment. I have provided proof that there is NO judgment of record and their reporting of a case file judgment that was never completely adjudicated and recorded as a legal instrument is a clear violation of the FCRA. I reserve the right to take further action including filing appropriate complaints with the XXXX on XXXX violations and the XXXX under the penalty rules of the XXXX ( XXXX/XXXX/XXXX ) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ), New York 's consumer protection agencies, XXXX and to take civil action to recover damages. Please note that Equifax Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I have sent Equifax & XXXX a copy of this complaint.
I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. Equifax sent me a letter XXXX 2017, stating, that I can not dispute this account anymore unless I provide documentation. How can a person provide documentation to an account that is not theirs. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureus, especially Equifax is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. And I do not appreciate Equifax sending me a letter stating, they will not verify again. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT
In XXXX 2015, I received a Promotion paper from FIFTH THIRD BANK : basically the promotion was to receive {$200.00} if I open a checking account and set up a direct deposit for more than {$100.00}. I visited one of their offices in XXXX XXXX, FL and I did exactly what they told me to do in order to receive the {$200.00} bonus. I 've been waiting for 90 days ( time they told I have to wait ). I just received yesterday an email from XXXX XXXX ( the office manager ) saying : " After completing my research it shows that the type of account that you opened does not qualify for the bonus ... '' I feel disappointed because I trust them but my feeling are that this is just another false advertising to get people work with the bank without paying any bonuses.
Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the " waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.
The company CITI.Card -XXXX  XXXX XXXX XXXX, is not honoring the information provided in XX/XX/XXXX via Phone. 
I called the in XXXX specifically to asked them when was the last day to close the card in order to avoid the fee of {$450.00} for another year service and they mentioned to me that was XX/XX/XXXX, I even asked them if I can close in XXXX and they mentioned to me that will be best to wait until XX/XX/XXXX because the fee will not apply. 
Since End of XXXX I been contacting the card company to reimburse me the {$450.00} and XXXX from the citi via Chat confirmed that was their mistake and they will reimburse me via check to my address but already past more than 20 days and I never received the check so I called the citi spoke with XXXX ( XX/XX/XXXX XXXX XXXX ) the manager and he is telling me that the company don't reimburse the annual fee even if is their mistake as a company police, this is absurd, the account was close before the new cycle year.
I was alerted to the recent attack on Equifax resulting in the potential compromise of 143 million people 's private information, and used their tool ( equifaxsecurity2017.com ) to see if I was affected. According to the tool, they think that my information may have been compromised, and offered to enroll me in their XXXX XXXX program, but that would waive my right to participate in a class action lawsuit against them, so I did n't enroll. I checked my credit report, and everything seems fine, but I 'm still putting a 90 day fraud alert on my credit.
In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason.  I recovered the vehicle from the bank 2 days later.  A few years after this incident, I decided to pay off the vehicle to save on interest.  For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans.  After 7 long years of suffering, the account finally switched over to a positive status.  Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.”  I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions.  However, each entity continues to “yes, yes, yes, I understand” but no changes are being made.  An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it.  There is no middle ground.  I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports.  I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper.  I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX.  With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years.  A consumer reporting agency cannot report negative information that is more than seven years old.  The stress and sleepless night have gone on long enough
Citizens Bank XXXX XXXX, RI sent me, by US mail, an offer to receive {$200.00} by opening an account and meeting stated requirements. The requirements were : open the account by XXXX XXXX, 2015, make a deposit each month XXXX of which would be a minimum of {$500.00} and the {$200.00} would show on the account after XXXX XXXX. I went to the Citizens Bank at XXXX XXXX XXXX, XXXX, NH on XXXX XXXX, 2015, discussed the offer with Branch Manager XXXX XXXX, opened the account, fulfilled all requirements and now have not received the money. I have talked with Supervisor XXXX XXXX and Bank Officer XXXX XXXX, Sr Advocate. She said she would see to it. The money is not in my account and she has not called me back. I have all the paperwork and pertinent notes and want Citizens to pay as promised NOW.
I am filing a complaint with Ally Financial ( Attn. XXXX, XXXX, Ext. XXXX ) and their attempt to contact me about our car loan. The loan is under mine and my wife 's name. The law says they are only to call her or I concerning the loan. Multiple times ( also multiple times in a single day ), they have called my parents in XXXX and my brother in XXXX asking for me and my wife. I have never given out their numbers, which means they are doing searches on my families contact information. This is a form of harassment and it invades my families privacy. On top of that, their customer service is terrible. They interrupt and do n't know the answers to questions about my loan. Please put a stop to their mass calling and going after my family who has zero involvement with this loan. Thank you