WillisBack/dataset-financial-user-claim huggingface dataset:
Loan amount on  XXXX   XXXX   Loan  amount on  XXXX  {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs   and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car.     Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the  XXXX  and from the  XXXX !!!! They charge a $  7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course.       I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan.     You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.
I received a letter from Convergent Outsourcing dated XXXX/XXXX/16, that I have a past due account with XXXX with a past due balance. I do not have an account with XXXX, thus this account those not belong to me that they are trying to collect on.
On XX/XX/XXXX, I discovered my XXXX rent check for {$1100.00} had been fraudulently cashed into a Capital One Bank Account, other than my leasing company. Upon realizing this I immediately reached out to my bank ( XXXX XXXX XXXX XXXX ) to initiate a Check Fraud Claim. 

On XX/XX/XXXX, I received a Fraud Statement Claim that required both myself and my apartment leasing company to fill out and acknowledge that they were not in receipt of the check. I immediately sent this back to XXXX XXXX XXXX XXXX and was told upon receipt and processing my claim would kick off ( this occurred around XX/XX/XXXX ). 

For the next 4 months, I continued to reach out and request updates on the claim, until I was essentially told to " wait and see '' by the fraud team. Eventually, I was told that if I had n't heard anything by around XXXX XXXX to call back as this would have been the 126th day of the claim and would move into a new process if they could not reclaim the funds from Capital One. At that point, I was told that " systemically the case would close '' as it had reached its 126th day, but that they would still be working to recover the funds. I expressed concern that it would be showing as closed and was fearful that it would then fall through the cracks. 

Since XXXX XXXX, I have been requesting call-backs and information from XXXX XXXX on the status and have not received any information via mail only after several calls to request a call-back. Eventually on XX/XX/XXXX, I went into a XXXX  XXXX XXXX XXXX location to speak to a Client Services Representative, she was able to look into the check and reach out to a contact at Capital One who confirmed that the check had in-fact been deposited into an account other than the one listed on the Check. Upon receiving this information, she informed me she would share with the XXXX XXXX XXXX XXXX Fraud Office to help resolve the claim. 

Since then, I have consistently reached out for updates on the claim - leading up to today, XX/XX/XXXX, when for the first time someone at XXXX XXXX XXXX told me they had officially stopped trying to recover the funds and there was nothing else they could do since Capital One did not respond to the inquiries.
This is my second complaint against LoanCare. You provided me with a letter stating that you had contacted LoanCare regarding my first complaint. The information they gave you is inaccurate. This I can address at a different time. They stated to you that they would reimburse penalties for late taxes because the late taxes were due to their error. They requested that I submit proof that I paid the taxes and the penalties. I did so, by email on XX/XX/2018. I sent follow up emails on XX/XX/2018 and XX/XX/2018. I still haven't received my reimbursement, nor any contact from LoanCare. The amount that is due is XXXX.
My Bank, PNC in XXXX PA, paid my full credit card balance {$4800.00} instead of {$120.00} minimum due payment I checked on online banking for them to pay. This made an overpayment in my checking account This caused other monthly bill payments to bounce. I had to call the PNC bank seven times and spoke to two managers who guaranteed me they would fix the problem but never did. Those managers names were XXXX XXXX of the Retail Escalation Department and XXXX XXXX whom I do not know what department he was from. 
A lady name XXXX XXXX who was not a manager but from the Retail Escalation Department helped me stop the other checks from bouncing and took of the bouncing fees ( hopefully ) yesterday XXXX XXXX 2016, She is not a manager. XXXX XXXX took time to help me when those other managers did not give a clue of what to do. I was told by XXXX the reversal of this horrible mistake will take three days to be cleared. This means the credit card payment can not be paid until next Wednesday XXXX XXXX. I asked XXXX for another way to pay my credit bill without being charged a fee and she did give me an alternative. I am hoping this complaint will stop PNC from continuing to make mistakes to my account. I am looking for another bank to do business with. Thank you. PS. I spoke to a man named XXXX ( he said he was not allow to give a last name or ID number ) in your complaint Department, he told me it would be better to write a complaint even though your website says I can do both.
I received an alert on my XXXX XXXX account that there had been a change on my credit report, I logged into my XXXX account to review. On XX/XX/XXXX XXXX ran an inquiry on my credit. I contacted XXXX XXXX and was told I had to contact XXXX ( XXXX XXXX XXXX XXXX XXXX SD XXXX ) .to find out why they ran the inquiry and to have it removed from my credit report. 

I talked to 4 different people there including a supervisor none of which could tell me why the inquiry was done. I have not applied for any new credit or for a credit increase. To my knowledge it is illegal to run an inquiry without my consent, In these days of identity thief XXXX an very concerned about this.XXXX also told me that they could not remove this from my credit report since I did not have an account with them. Then how and why did they run an inquiry,
What is this complaint about?

EQUIFAX BREACH What type of problem are you having?

CALLS FROM UNKNOWN PERSONS THAT HAVE MY SOCIAL SECURITY NUMBER. INFORMATION RANSOM CALLS.

What happened?

EQUIFAX BREACH What company is this complaint about?

EQUIFAX Who are the people involved? MY SELF, EQUIFAX, DARK WEB, PEOPLE WITH MY SOCIAL SECURITY NUMBER, DL NUMBER, ADDRESS, HOME PHONE, JOB INFO, PAYMENTS & BANKING INFO
Trying to collect on a debt that I do n't recognize. Reason, I never opened up any accounts in XXXX. Will NOT give me any info, rather just selling this debit to other attorneys with amounts I have never heard of nor recognize.
In 2007 I was really struggling with money, I could barely afford to feed myself and skipped a lot of meals. I called my student loan provider nelnet/ firstmark services to tell them I was struggling with my payments. A forebearance was suggested and no one told me that my loans would be gaining interest while they were not in re payment. I left them on forebearance for a year. When I went back into repayment, my balance had increased by {$10000.00}. I had no idea this was going to happen, I certainly would have started repayments much sooner if I knew I would increase my amount owed by so much.
Earlier this year ( XX/XX/XXXX ), I checked my credit and noticed that there was medical bills on my report from XXXX in XXXX XXXX. I have since moved out of that state to XXXX. The medical bills that were reported to my credit report should have been taken care of by XXXX XXXX XXXX. I checked with them and they said they paid what was given to them but the doctors billed me separately. I had no idea they could do that so I was never aware that these bills had been generated. I have called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) numerous times with no help whatsoever. I have asked them for more information such as what the bills were exactly for and how the doctors can bill me separately. They offered no information and all they kept repeating was that I had to call the collection agency. I called the collection agency which told me all they can do is take payment on the debt, nothing more nothing less. I returned calling XXXX XXXX XXXX XXXX XXXX XXXX and they still would n't give me anymore information about the debt. All they do is keep giving me the collection agency 's number and then will hang up on me. I have repeatedly asked to speak to a manager or supervisor at which point they say no one is available, put me on hold forever or hang up on me. This has happened numerous times and when I leave a message no one returns my call. I have never spoken to a supervisor and completely get stonewalled by anyone at XXXX XXXX XXXX. This has been going on for quite some time. Last week, XXXX XXXX was the last few times I tried getting information from them again. Any answers I have are not from them but from XXXX XXXX XXXX ( XXXX  ) which was kind enough to look up my account and provide what little information is available to them. XXXX has let me know that they also made payments on the disputed XXXX ER visit and have no idea how they were able to bill me separately. There are 8 different bills that XXXX XXXX XXXX has sent to collections regarding this XXXX/XXXX/XXXX XXXX ER visit. 1 ) {$830.00} 2 ) {$300.00} 3 ) {$300.00} 4 ) {$180.00} 5 ) {$180.00} 6 ) {$160.00} 7 ) {$160.00} 8 ) {$100.00} which totals {$2200.00}. I have no idea why some amounts are doubled and two are not. This is severely hurting my credit and I have no idea how to get this resolved since the XXXX XXXX XXXX keeps stonewalling me in the process. Thank you for your attention to this matter.
I received a loan for XXXX dollars to put myself through school in XX/XX/XXXX. I do not have all the documentation however my current balance is XXXX dollar and I have paid XXXX. They denied my request to enter forbearance during XX/XX/XXXX-XX/XX/XXXX even though I had proof I was still enrolled in a graduate program. They have compounded interest upon me unfairly. In the statement I am looking at it states I have satisfied XXXX dollars of principal and yet I still owe XXXX dollars?? They are price gouging! I would like the interest that accrued to be reduced/eliminated from when I could not make payments while enrolled in a graduate program. Thank you very much for your time.
I turned in my XXXX XXXX XXXX 3 months early, XX/XX/XXXX, due to the diesel emissions scandal. In addition this new lease vehicle had numerous mechanical problems including parking break failure. VW has let me down. 
In XX/XX/XXXX I paid off the entire lease in advance. I had also overpaid an approximate amount of {$850.00}. I have had a {$0.00} balance and surplus since that time. The surplus amount was refunded to me earlier this year. My balance on recorded continued to be {$0.00} through XX/XX/XXXX. 

When I moved to cancel the lease, the XXXX XXXX XXXX made it very clear that any lease payment refunds are only handled by VW Credit -- the 2 operate separately. I did n't receive a refund check from VW Credit and called on XX/XX/XXXX inquiring about the lease overpayment refund of {$1000.00}. I was told it takes up to 21 days to process. It 's XX/XX/XXXX and still no check. My VW Credit account online now says I must call to see any balance. I called XXXX and was told they did n't know anything about my balance and to call XXXX, then i was told to call XXXX and then XXXX ext XXXX. I was also told the XXXX XXXX XXXX handles this. No one knows what happened to my overpayment. Each person I 've spoken to has told me a different story. It 's infuriating. I log in to my VW credit account and all records confirming this payment history and overpayment have been removed by VW. My original lease ended XX/XX/XXXX so I am due the overpayment of {$1000.00} from XX/XX/XXXX - XX/XX/XXXX. Please help me.
This bill was originally from XXXX Arkansas XXXX XXXX and was placed with EOS CCA while I was appealing this bill with my insurance. EOS CCA is charging interest on this balance. My insurance paid all but {$56.00} of this bill but EOS CCA is continuing to charge interest on this and has reported a balance on my credit report of {$94.00} as of XXXX/XXXX/16. I have disputed this on my credit but they verified to XXXX that this was the correct balance.
I signed up for a trial of the XXXX XXXX service on XX/XX/XXXX. Their terms state that there would be no billing if canceled within 30 days. Because I did not see value in the service, I canceled on XX/XX/XXXX ( and have an email from them confirming this ), but I was billed {$24.00} on XX/XX/XXXX. At this time, I logged into the Experian website and removed my credit card information, but then they somehow billed me *AGAIN* for {$24.00} on XX/XX/XXXX Fortunately I am very proactive about monitoring my credit card transactions ... I would imagine that there are many people who they're billing without authorization who never even notice. Whether it's intentional or due to ineptitude, there is zero excuse for a company of this size to be doing these kinds of things. Even more troubling is that I removed my credit card information from their site after the first unauthorized billing, so it's clear that they are continuing to store my financial information against my wishes. Please look into this. Also, please note that I have already filed disputes with my credit card company ( XXXX XXXX ) and will get the money back from them, so I don't need a refund but am instead hoping that you look into potential widespread unauthorized/over billing practices on the part of Experian. Thank you.
Checking account at Chase Bank was restricted because, after having the account open for 20+ years, I would not give them additional personal information. I was unable to use my debit card, withdraw money from ATMs or have checks paid against this account.
XXXX  2017 , Navient formally   XXXX   XXXX   repo rted incorrect information to all  XXXX  credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
GREGORY FUNDING & the prior Finance Company are charging late fees that they created because they are selling my mortgage. Also, GREGORY FUNDING & the prior Finance Company are taking my money and they are not applying to my mortgage. They are using and charging for other charges that I did not approve. I also asked to GERGORY FUNDING and prior Finance Company to send my mortgage to a trustable Bank ( XXXX ) and they do not want transfer my mortgage because they want to continue robing my money. I am not agree to continue working with robbers.
Ally Financial had agreed to take off all 5 late fee 's ... 
On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. 


They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my payments.
In XX/XX/XXXX I purchased merchandise from Furniture Row in XXXX Colorado. At that time I was told that I would not receive my merchandise until XX/XX/XXXX. I then got the couches delivered XX/XX/XXXX. I then get a bill in the mail in XX/XX/XXXX stating that the payment was due on the XX/XX/XXXX, and I noticed that they were hitting me for late charges as well as a past due amount. I called XXXX and tried to figure out what was going on. They told me that I was 60 days past due!! I asked them why I never received a bill, and they told me that I was set up for paperless ( I did not agree, nor did I ever set this up ). They then told me that they sent out emails to let me know. I asked them what email they had on file and it was a email address for my ex wife. They then fixed the email address, and took off the late charges. I paid the amount owed for the bill, and was told that I could dispute the hits on my credit. when I called them to do so, they told me that there was nothing they could do for me, and told me that because I never paid on time they would not take the hits off my credit. I was never notified of a bill until XX/XX/XXXX, and this was after I received the merchandise. They had me set up for paperless, without me knowing, and were sending to an email that I never even had. This has dropped my credit score XXXX points in 30 days and I need help getting this off my credit. If the process was done the right way I would have had no problem paying in XX/XX/XXXX, as well as XX/XX/XXXX even though I did not have my couches. This process was dropped by XXXX as well as Furniture Row, and now I am the victim of false reporting, and billing practices. PLEASE HELP!
Suntrust Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made Suntrust bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with Suntrust Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted Suntrust bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent.
XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact Suntrust Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless Suntrust Bank tells them not to.
Both Suntrust Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting.
Account Number XXXX Routing XXXX
I paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.
Navy Federal Credit Union did an unauthorized transfer payment from my checking account with them to my installment account that I have with them also in the amount of roughly XXXX. The installment account was not 30 days past due. And I did not authorized any type of transfer to be make from my checking account. The bank processing this unauthorized transfer resulted in me having to pay returned check fees and other fees due to me writing a check expecting those funds to be in the account. But they were not because Navy Federal Credit Union processed that unauthorized payment.
I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.
I have had a loan for over 9 years for my mortgage. The loan started with countrywide and fha (Now Bank of America) and was a predatory loan with high rates and an extremely high pmi of $XXXX per month. I was promised by the persons doing the loan XXXX and XXXX that they would look for a better product after signing. however, 90 days afterward they XXXX went into hiding. Once XXXX was reached, he stated "they don't even do those types of loans anymore" they were very bad.  I am highly confused as to how the FHA would allow for such a loan myself.  Fast forward ...I have requested numerous times to have the pmi dropped and found out from XXXX of the reps at Bank of America that the pmi should drop off after so many years. Recently I tried to request again and was turned down by BOA.  The pmi is now $XXXX per month and has caused me problems financially in the past.  I am simply requesting that the pmi be dropped to zero due to the age and monies already collected or lowered to a more manageable amount of
less than $200 per month. This is not a refinance request but a request that predatory practices on the pmi be stopped. No one pays the amount of a car payment or more for a monthly pmi.
I have researched and backtracked my loans from XX/XX/XXXX to present. Between XX/XX/XXXX-XX/XX/XXXX I was having a hard time making payments at the amount suggested by XXXX XXXX and Navient. I had a job that was not paying much but I made an effort to be able to pay a certain percentage of my loan. Instead I was told by the service that I had forbearance that I could use to where I did n't have to pay at the time. I do not have any recollection about any one explaining that my loans would still gain interest during these times. I was setup to use all my forbearance and would later, which is now, suffer trying to pay a XXXX/month student loan payment on a XXXX XXXX salary. With all my forbearance unavailable by the time I was XXXX I missed over 100 payments due to hardship. Those missed payments could have been used towards The Public Service Forgiveness Program. Keeping me in forbearance for such along time gained Interest for the Company. Once forbearance was over I started to receive numerous calls from Navient about my outstanding loans. I was also told that my payment would be spread throughout all my loans but that has not happened which some loans have gained not received payments, therefore posted a late payment on my Credit.
My mother got sick and all my money I gave to the hospital for her treatment and now I 'm back up on my rent