WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a {$1000.00} flex loan with XXXX XXXX in XXXX TN in early XX/XX/2018. I was working a lot of hours and forgot to make the payment on it. I never received any phone calls or letters from the store or company at all after taking out the loan, so I forgot about it completely. That is until a sheriffs deputy showed up at my house to serve me with paperwork for court. I contacted XXXX XXXX in XXXX TN - the firm listed on the paperwork - regarding the paperwork and was informed that it was due to the flex loan with XXXX XXXX. They told me the only way to avoid court - and garnishments and other negative information showing up on my credit report - was to setup payments with them of a minimum of {$200.00} per month. That was more than I could reasonably afford - and there was no debt to income analysis done - but since I wished to avoid all of the negative consequences and I was unaware at the time that I could have possibly obtained better terms if I went to court, I agreed and have been paying them {$200.00} per month by bank draft since then - all without STIILL receiving any paperwork stating how much I owed originally or how much my remaining balance is. 

I have been trying for over two weeks at this point to make my next payment and have been unable to reach anyone at XXXX XXXX to take my payment or to get anyone to call me back. I have even reached out to my local XXXX XXXX location for help in reaching them and all they could offer was to keep calling the number - and that the law office was in the same building as the XXXX XXXX corporate office. 

I know that I took out the loan, but I feel that XXXX XXXX took unreasonable advantage of this situation by not notifying me of my debts and payments. Furthermore, I have attempted in every way to keep up my agreement, but XXXX XXXX is not making themselves available to keep up their end and accept my payments and causing me undue stress about my situation in the process. And, I still have no idea how much I owe, if my loan has been properly moved to default, if I have any further options, etc. All in all, these two companies manipulated and bullied to take advantage of the situation.
I have a caharge off with XXXX, when in reality the amount charged of has been added to my Mortgage total.
The issue is that JPMorgan Chase own travel site at ( chase.com ) for members lists fake fares and when the booking is made it automatically switches the prices to a higher level. Enclosed please find the message to Chase Executive Office that was originally not responded to. Also the company insisted on verbal communication and not email which is indicative of systemic issue rather than isolated one. 
There is a problem with your vendor that performs flight reservation service on behalf of Chase for its members. Yesterday and today I attempted to book a ticket to fly XXXX and to utilize my accrued points total ( +/- XXXX ). Any time I would select the available rate that lists the flight in $ XXXX range that is listed as available I got a message in process of booking that the rate is no longer available and listing exactly the same flight at on average {$300.00} higher rate. For example the flight departing XXXX XXXX on XXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX, Return XXXX XXXX XXXX XXXX, XXXX XXXX that was offered as available for {$810.00} has automatically been re-selected during the booking process into {$1200.00}. FYI, I checked the XXXX XXXX site for that flight and it lists the fare at {$810.00} with exactly the same itinerary leading me to conclusion that the mark up is your vendor 's travel commission. 

This happens with EVERY {$800.00} range flight XXXX days before XXXX XXXX and XXXX days after XXXX XXXX that is listed as available after that date. Why is then Chase site listing fake pricing on flights that it has no intention to honor and it bait and switches people in process of booking? 

I travel extensively internationally and since I often use booking sites such as XXXX, XXXX, XXXX, XXXX and XXXX I have never seen any fare being made suddenly unavailable in process of booking and rescheduled at the higher rate. I think that Federal Laws specifically prohibit games such as this as airlines are under legal obligation to list all fares including all applicable taxes and fees to prospective consumers, no exceptions. 
I would appreciate if Chase addresses this issue to make sure what happened to me does n't happen to anyone else and to honor the rate it has on its site or stop offering the travel services altogether.
Lexis Nexis reported a judgement against us that was a total error. They obviously did not even read the judgement as someone sued us as well as many other named defendants. They got a successful judgement against only one of the many named defendants which was not us. I have tried to contact them several times to get this corrected. The number listed on the credit report was not a useful number and you could not reach a person or leave a message. I looked up and called 2 other numbers to no avail. This cost us a mortgage refinance and is infuriating that they apparently have no responsibility to even read the judgments they receive before posting them to peoples records. When I spoke to a manager he said they advise that their information may not be accurate but that is my problem not theirs.
I received a letter from OneMain FI from XXXX, CA state that I pre qualify for a installment loan After I try to apply for a loan said that I am not qualfy.
Hi my name is XXXX and I made initial contact with Core Advisory Group back on XXXX XXXX, XXXX. I received a letter in the mail stating that they could help me reduce my payment and stop my foreclosure. I was told that their lender dispute program would stop my foreclosure and force my mortgage company to modify my loan. They promised me my situation that they could stop ay foreclosure procedures and my loan modify and payments lowered but that is by far the truth. I sent them all my information and they told me my loan modification package has been submitted and now I just need to wait for a final answer. I received a letter from my mortgage company in XXXX XXXX saying my loan modification had been denied. This company knew I would n't qualify and I have told them before hiring them that I was denied in the past for not having enough income and now they tell me I needed to show {$1000.00} more to qualify? Should n't they known this before taking my {$4500.00} that I paid them just to tell me the same answer that my lender told me which I do n't qualify for a loan modification! They told me they are redoing my information and resubmitting it but at this point, I ca n't take my chances with them as I lost faith in this company so I demanded my money back. After that they made me fill out this package in order to get my refund and this at the beginning of XXXX XXXX and it took them until XXXX XXXX just to offer me {$350.00} back?? This company is a joke, a scam and they need to be shutdown. I want my money back the full amount. They have illegally taken my money upfront which is a violation to the XXXX rule and they still did it and provided no results. How insulting is that they did n't know whether they can help me but lied they can but ca n't and take {$4500.00} and at the end offer to pay back only {$350.00}? I hope and pray the authorities lock these crooks up. To make matters worse, I had found out that the owner XXXX XXXX of Core Advisory Group is the same guy that owned Colleagues in Law that he got rid of which does the same thing offering loan modification service. What did this guy just XXXX everyone, take their money and change company name and nothing happens to him? He needs to be in jail. Please help me get my money back from this clown.
A woman from Loan Til Payday in XXXX Delaware, at the phone number XXXX called. I answered the phone by telling her to remove me from her list. She said she is looking for XXXX something and I told her I do n't know XXXX, he does n't live here and remove me from the list. She ended the call by calling me a XXXX and hanging up on me. When I called her back, she refused to give me her name, her manager 's name, he corporate phone number or any other identifying information. I called another location of Loan til Payday and got the corporate phone number from them. I spoke to XXXX and explained what happened and he said he would get to the bottom of it and get back to me. I am very angry with her unprofessionalism.
Greetings, I pay Equifax for a monthly service to investigate and manage my credit. This service allows me to request my Equifax credit score at any time without a credit score penalty and to occasionally request results from the other  XXXX  reporting agencies.     Recently, at  XXXX / XXXX /  XXXX    XXXX    XXXX   XXXX   XXXX   requested my credit score form Equifax and it was reported as  XXXX . When I learned of this today, I immediately went into my Equifax account and looked at my credit score and it was reported as  XXXX . I then requested scores from the other  XXXX  agencies and they were :   XXXX    XXXX   XXXX   XXXX  So even an average of these scores would be  XXXX  and yet Equifax reported my credit score to  XXXX  as  XXXX . When I called Equifax, they explained that the bank can specify it 's own " scoring model '' over which they had no control, despite the fact that the report comes directly from Equifax. When I asked if I could change t he " scoring model '' used for  my reports from Equifax, I was told I can not, thus preventing me from exercising my legal right to my credit score, free or otherwise.     Clearly, this represents behavior bordering on the fraudulent and Equifax  ( an d presumably other reporting agencies ) need to be brought to task or Americans will never have en effective way to navigate this ridiculous  XXXX  system of credit scoring.     I look forward to some kind of resolution. I 'm happy to provide documentation but it has my name on it which you 've suggested I should not include. Let me know if I can get it to you.   Thank you
I am a XXXX survivor XXXX and can not handle anymore stress at all! 
I am a mother of XXXX XXXX XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXX I filed suit under XXXX XXXX XXXX XXXX XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost XXXX  in that car. It would come to a COMPLETE STOP at 60 and 55mph, XXXX XXXX   callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have XXXX cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED
I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.
I did not receive notification of debt. Debt is listed for {$6000.00} and has been place on all 3 credit bureaus.
I have been a Penfed Credit Union member over 8 years. I applied for $ XXXX signature loan, was denied, and the reason was too high loan balance? No explanation was given. The only account I have with Penfed C.U. is a $ XXXX XXXX, with a balance the was was $ XXXX, but has been paid down to {$6700.00}. My wife is a retired XXXX with a XXXX month pension and I am semi-retired with {$1300.00} monthly Social Security and I work part-time as a XXXX with {$3500.00} monthly additional income. Our mortgage payment is XXXX monthly, plus some smaller monthly payments.The Penfed phone employee did not listen to me and my reason for the installment loan request. I personally felt age discrimination. Please follow-up with Penfed.
When we originally got the loan the interest rate was only suppose to change once a year. Since ditech took over the loan the interest rate is different each month varying from ~3 % to ~5 %. I inquired about it last year and got no response.

I recently inquired again and still no response.

i do not think it is right that they can charge me any interest rate they desire on a month by month basis.

Also, on the original loan we paid for insurance to pay off the loan in case of death.

When they took over the loan that went away and finding appropriate insurance is no longer at a reasonable rate. 
I really don't know what recourse I have other than refinancing the loan. 
Thank you for your assistance.
I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.
I Co signed for a loan with my cousin. She has not made payments. So it falls on me. I have ask Credit Acceptance to send me what I signed and what I owe 2 to 3 times. They have my updated and old address and have never sent me anything. It has been I've 6 months since I requested information. I was not present during the loan process so I never received paperwork. However upon request they have never sent written notice of debt or bill. By law they are suppose to do that. I want loan removed from my credit bc how do I know it's not being taking car of if they don't send proper documentation
Have had a Citibank Credit Card since 1982 and I was charged high-interest rates. I should be illegible for a refund however, I have not received it.
On or about XX/XX/XXXX I sent a letter to Trans Union and XXXX  to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX Card services. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX  & Trans Union to correct XXXX XXXX 's mistake. Trans Union notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from Trans Union ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.
Need proof showing my  XXXX  score was a  XXXX  on    XXXX   XXXX  ..i tried several times to get proof from the manager and I 'm not getting anywhere..i also asked for papers showing I did n't close on the house and have n't got those either ..
On XX/XX/XXXX XXXX XXXX XXXX disingenuously reneged on our H.A.M.P. modification approval by breaching contract after in good faith successfully completing our trial payment period and then subsequently ignored our right to appeal filed on XX/XX/XXXX for which we request a notice of error and information pursuant to RESPA regulations sent to Ocwen. Their only excuse has been not having received the signed corrected modification agreement which we never received and subsequently requested repeatedly directly and thru our attorney but were ignored by stalling obfuscating contradicting reasons as confirmed on attached email history since their interest is not to complete the modification by due process as required but illegally pursue the foreclosure on our homestead of 38 years thru their mortgage servicing misconduct for which they have been sued by our Florida Attorney General for mishandling of loan modifications on multiple occasions over the past 4 years.I respectfully request that you assure Ocwen complies with their binding legal commitment to finalize my H.A.M.P. modification and not have them breach their obligation by enforcing due process thru our consumer legal regulations to avoid their continued disingenuous mortgage servicing misconduct.
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Our vehicle was seized by the MN State Highway Patrol back in XXXX XXXX. 
We settled with XXXX XXXX, the company our original loan was through, on XXXX XXXX, XXXX. 
XXXX XXXX was bought out by Santander Consumer USA and they finally marked our account as closed XXXX XXXX, XXXX. But they are still reporting us on our credit report.
I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.
Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.
It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments.
I have sent 3 certified letters requesting validation showing my signature or contractual obligation to them and they ca n't seem to do that so I requested they remove this negative from my credit report and they refuse. This bill shows a date from 2010??
XXXX pet hospital submitted an account in the amount of {$270.00} to I.C. Systems for collection. I do not own a pet nor have I ever yet this collection agency insist that I owe this debt. I have not received any correspondence from XXXX or I.C. Systems stating that I owe a debt or verification that this debt is valid i.e. paperwork, video, etc. verfying that I, XXXX XXXX, brought an animal to their facility. Please help me resolve this matter. Thank you!
I have credit inquiries on my Equifax credit file. I have disputed these items time and time again. I disputed these on XX/XX/XXXXthat I had no knowledge and I did not authorize these inquiries. I received an email the next day on XX/XX/XXXX that the investigation was completed and they were not going to remove them. I called back on XX/XX/XXXXand spoke with a representative name XXXX and inquired about the inquiries and she advised that there were no inquires on my report. I asked if she was sure and she said there are n't anything showing until inquires just regular accounts. We were disconnected I called right back and was advised by another representative that there was n't any inquiries showing not even soft inquiries. I called on backXX/XX/XXXX to check to insure that there was n't any inquiries and the rep stated that yes they are. I told her about the phone call last night and the two reps said nothing was showing. I did not authorize these inquiries, the inquiries are. I know Equifax was the affected by a Security Breach this summer and I am afraid that my credit file might have been apart of that breach. XXXX XXXX - # Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - # Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX