WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX # XXXX from Diversified Consultants, Inc ( XXXX XXXX XXXX, XXXX, MI XXXX ) acted very unethically, was extremely rude and a bully when I called to inquire about a debt that was found not owed ( S/W XXXX on XX/XX/18 ). XXXX overpowered the conversation and would not let me speak this was very unprofessional considering I didnt owe anything. 

I called back to make a complaint about XXXX and was told he was the Manager and he didnt report to anyone. 

No one should be bullied by a Collector. 

Can you please send this email to Diversified? 

Thank you
Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ..., All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans, and the other does not ... In any case, I want to repay my loans, but, AES says it did n't receive my faxes, and could n't help me save my loans through other deferment possibilities.
I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.
I was shocked when I reviewed my credit report and found late payments on the dates below for my 2 Capital ONE credit cards ; [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I am being blacklisted from being able to send any overseas transfers from my computer. I know this now because after XXXX started blocking me I moved to Xoom, which blocked me after a couple of transfers ... and then today I tried to establish a new account with XE money transfer and they would n't even let me create an account. I believe this all stems from an incident I had last XXXX where someone hijacked my email account password, and then tried to send money through Xoom. I noticed this activity and called them immediately to block the transaction saving myself and Xoom from any financial loss. I told Xoom to lock my account until I could be sure everything was clean again .... then I called them back.. They asked for my ID and bank statement. I sent them both as proof. They then denied the transfer with NO explanation at all. I asked specifically in an email for information regarding this denial and have not received a reply. I think this is totally unfair to place the restriction on me .... No one has lost a penny because of this.. I consider this to be an unfair business practice and I would like someone to intercede on my behalf
An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.
My loan officer, XXXX XXXX ( NMLS XXXX ) of XXXX XXXX, XXXX, clearly explained to me that if I closed in XXXX that my closing paperwork would include the interest for XXXX ( to be paid by me at closing ) and that my first mortgage payment would not be due until XX/XX/XXXX. I emailed and called him to clarify because I had a final rent payment due XXXX. He assured me that the closing paperwork already included XXXX 's interest and that my first payment would be due XX/XX/XXXX. When it came time to close, the paperwork was not written the way he explained- there was no interest in the closing numbers and my first payment was slated to be XX/XX/XXXX. XXXX, who was at the closing, became quite confused, insisting he had never heard similar terms. He tricked me into closing by outright lying to me about the terms. While I agree it is my responsibility to understand my numbers and disclosures, I asked specific questions to my loan officer, who misled me and fed me false interpretations of the numbers to his benefit and my detriment. 

I have attached our email chain where I was told with no uncertainty that my first payment would be in XXXX. I have also attached evidence of our follow-up phone call- while I do not have a recording, it shows XXXX and I spoke for almost six minutes immediately after he emailed me. During that phone call I explained that in my experience, if one closes on a house in the beginning of the month, one pays the first mortgage payment in the following month. XXXX told me in that conversation that my thinking was incorrect. He said that he had many year 's experience, and that I had never financed a house in this state so I should trust his expertise.
My last account with positive history was removed from my credit report due to 'multiple accounts closing '. Accounts closed due to collection accounts being paid off or collection accounts being removed. As a result, I lost 30 points on my credit report which I have maintained for XXXX for over 10-15 years and increased it to XXXX until this occurred. 

Reporting agencies subsequently changed the status but the creditor did not reopen the account. I did not request closure of account and it has adversely affect my score. 

Company name is XXXX.
I want to file a complaint against Bank of America. I was a victim of fraud and the bank helped the thieves. An acquaintance of mine posted on XXXX a link about a secret shopper job. So I applied and was hired. 
They sent me by mail the first assignment and a check with the funds to do it. I had doubts about such an easy job, but I thought that if the check was valid it would be safe. So on XXXX/XXXX/16 I deposited a check for {$1800.00} into my bank account, and waited for the money to be available. After the bank showed the money in my account I asumed the check was clear, and it was safe to use the money for the job, so I withdrawaled it and used the money. 
On XXXX/XXXX/16 I deposited a XXXX check from the same job, and when I did so the balance of my account was off. 
After checking all the transactions from my account I noticed that on XXXX/XXXX/16 there was a transaction of return item for the {$1800.00}, the bank took back the money without any notice. I called them and found out that the check was n't valid. I asked them why did they acredited the money if it was n't valid and they said that they trusted me with handing them a valid check. 
This is not a matter of trusting their clients, it is their job and responsability to clear the checks before putting the money into people 's accounts making them believe that their checks are valid, and they could use the money. 
I withdrawaled {$1600.00} to do the assignment, because I believed that if the money was already in my account that meaned it was real and I had a job to perform as secret shopper. 
Bank of America failed in doing their job, which is protecting their customer 's money, and now after they realized that the check that I deposited was n't valid they just removed the money from my account, and told me it is my responsability to verify the checks. I thought I did that by depositing the check and waiting for them to validate it. 
Bank of America is helping the thieves steal their clients money, because they make their clients believed that they 've cleared the checks, when they have n't and the robbers must know this. I would n't have fallen in the scam if the bank had n't put the money in my account making me believe that it was all right to use it. 
They never let me know that I had to wait for a period of time to use the money in my account, after I deposited a check and they complete the transaction by showing the money in my balance. 
With this complaint I ask Bank of America to reinburse the amount of {$1800.00} to my account, as well as the return check fee. Also the bank needs to stop paying checks into an account without verifying it beforehand.
I have been trying to consolidate multiple of my student loans into XXXX loan. All were accepted aside from ACS Education Services. I was told that the release of the loan was not accepted due to the fact that ACS was " reviewing '' my loan for the most updated information and fees applied. I was also told that the loan would be released once the " process '' was completed - this was XXXX 2016. Months later, I submitted a XXXX request to push things forward. I am being told that things are on hold yet again for the same reasons - XXXX 2016. My request to speak with a manager was denied and I have no other way or options of pushing things forward before the deadline to add loans.
EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.
1-Debt collector agreed to send a settlement agreement letter but refused to do so until agreed upon amount was paid. 
2-After paying agreed upon amount debt collector sent an email requiring me to give additional information in order to see the email. 
3-collection agency has refused to send me confirmation the debt has been satisfied.
back in   XXXX   XXXX   XXXX   I purchased an airline ticket online for departure in   XXXX   XXXX   but just  XXXX  mn later I received a call that my father passed away and i was in needed to leave earlier so I checked with them online they said is free cancelation within  XXXX  h of purchase so I called them and when I asked the agent for refund so he said he ca n't do it and his supervisor who needs to do it so he put me on hold for app  XXXX  h and we got disconnected and called again and same I could n't even go through until the  XXXX  h passed.   I emailed them and the only answer that I got I 'm sorry but the refund needs to be done over the phone, so I called citibank credit card and I informed the representative that I have been charged and i 'm trying to cancel but nothing so she said i do n't see any charges posted on your account.   I was surprised a month later that the charges were in my account so I called  city  and I disputed the charges but they refused to help and they said the marchant is right.   I never ever had a credit issue my score is over  XXXX  and never been late on my payments you can check that but now i 'm very annoyed by the letter and the interest that they are sending and I do n't want to had bad credit
I repaired my credit in 2008 as it had incorrect information - wrong names, social security number, employment history, etc. Now, XXXX plus years later I have completed a loan application but can not complete the signing of the application because I can not answer the security questions. The loan firm is ( XXXX ) who uses ( XXXX ) who in turn uses the LexisNexis database. Apparently the credit agencies did not update LexisNexis with the proper information so I can not get the final approval for my loan. I now have a hard search on my credit for nothing due to the misinformation in the LexisNexis database.
Equifax lists my name as  XXXX   XXXX , but it should be  XXXX   XXXX . The second "  XXXX  '' should be an "  XXXX  ''.
AMCA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, NY XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMCAor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX
See Highlighted Complaint #  1  : Equifax,  XXXX  of the  XXXX  national credit bureaus is reporting a " Public Record '' of a  Federal Lien on  my credit report. The other  XXXX  agencies,   XXXX   &  XXXX  are not reporting this lien and have never reported this lien. I have tried numerous times to dispute this item and continue to be unsuccessful.    1.  It tells me to contact the  XXXX  County Courthouse-I have called the phone number listed on the report,  XXXX , it is NOT a working number.    2.  It tells me the address is  XXXX   XXXX   XXXX   XXXX  in which the address is actually  XXXX   XXXX   XXXX   XXXX ,  XXXX  Floor.     3.   It tells me the Case or ID # -  XXXX  ... I visited  XXXX   County Court,  in person, they have no record of this case number. They told me their cases all begin with either a SC or CI.   4. In this very same report copy,   XXXX   listed an additional Social Security number for me. I have one Social Security Number, the one I used to obtain this report. They did remove the other Social Security number. Perhaps this lien went with that number?   5. I have no other proof to provide either way on this lien because it is NOT mine. I do NOT owe the Federal Government anything.
On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XXXX payment was due, on XX/XX/XXXX. When XXXX rolled around we noticed that our XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XXXX to make our XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that XXXX is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing 30 and 60 days past due, for XXXX and XXXX. 

We in good faith, did exactly what we had been advised by the rep in XXXX and made no payments until XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been closed with no outcome or response from XXXX XXXX. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.
XXXX XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees. 
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period
Capital One, XXXX. Box XXXX, XXXX XXXX XXXX UT XXXX I pulled my credit report and it showed a hard inquiry from Capital One. I contacted Capital One back in XXXX and they advised it was definitely fraud and they would forward a letter to the credit bureau to advise of the error and it would take approx. 90 days to resolve. I called after the 90 days and the issue still and the issue has still not been resolved. I phoned Capital One again and they advised I would need to provide a copy of the credit report! I asked why as they admit it was fraud and it was on their end. 

I need assistance getting this hard inquiry removed.
Diversified has input an account onto my credit file that I am unaware of. I have never had any debt for the amount of {$1800.00} nor have I ever even heard of Diversified Consultants up until now. Diversified has never contacted to inform me of this alleged debt or to give me the right of disputing the validity of this alleged account. I am a victim of identity theft and this account is a direct result of identity theft. I have never had any dealings with Diversified or any company that they represent. I have never had a contract or obligations that would suggest that I owe Diverisied any monies.
I am in the process of applying for a loan from HSBC. The loan consultant was not familiar with FICO scores and the various scores or methodologies of FICO. She stated that you need a XXXX FICO to qualify for the best rate but she could n't tell me whether they were using a FICOXXXX, FICOXXXX or FICO Mortgage XXXX score. I had to ask multiple times and had to send her a link from a google search as she continued to say that they just take the middle of the XXXX FICO scores. Her sales manager provided this response. 

HSBC utilizes a mortgage origination system to order credit from all XXXX credit bureaus via a vendor. 
Our loan officers have no control in credit scoring and we are not educated about " different methodologies or versions ''. 

I apologize for not able to answer your credit scoring question. 
Please feel free to contact Office of the President at XXXX extension XXXX should you wish to escalate your inquiry. 


Unfortunately this was after HSBC had already run my credit. They gave me my XXXX scores but could n't tell me which scores they were. I am surprised that mortgage consultants at HSBC do not know this information and have not been trained to better answer these questions before pulling someone 's credit. It does n't mean anything to say that a customer can receive the best rates if they have a FICO of XXXX yet they ca n't tell you what FICO version that is.
hello My name is XXXX XXXX I am a former XXXX school student, the school that forced to sale their foundation by the department of education for providing false education anyway I am applying for the loan refund, however my issue is that when the school got us to sing for the privet student loan from an agency called XXXX. after a period of time I received an email saying XXXX is not my loan provided anymore. And University accounting service LLc became the new provided service that I have to pay back to them. my problem start here, my bill is {$120.00} a month. I am paying that amount for couple of months but every month I have interest accrued, when I asked them by phone the lady told me because I am paying the Miniman .then I paid {$300.00} for tow month that 's double the amount, but still interest accrued. after that I have contacted them by phone and email to send me the loan and interest polices to understand why interest accrued to avoid paying interest no one did what I have Asked for. no body provided me the polices. just what I am asking for is that they do n't want to provide me information about my dept. I do n't know now if they charging accurate or not. 
thank you the company website is XXXX my email is XXXXXXXXXXXX my phone is XXXX