WillisBack/dataset-financial-user-claim huggingface dataset:
This is an additional complaint in relation to case number  XXXX , regarding account number  XXXX  with Special Financing Company , LLC. I received the statement for  XXXX   XXXX  this morning via email as per my request from customer service yesterday. Upon my review of the billing statement I discovered some discrepancies in regard to the account. The APR listed on the statement is 18.99 %. The APR on the Sales Order that I signed on  XXXX   XXXX ,  XXXX  states that the  XXXX  on the loan is 17.99 %. I have uploaded a copy of the executed  Sales Order  that states this agreed upon  APR. Also, the billing statement shows that there are 25 pa yments due until the account is paid in full. As of  XXXX   XXXX ,  XXXX , there have bee n 13 p ayments deducted from my bank account and credited to the balance of the loan. The offer that I received from  XXXX   XXXX  from  XXXX   XXXX   XXXX , was an offer of a 36 month ( 3 year  XXXX  loan. That is the offer than I reviewed, gave consideration to and accepted. I do not have a copy of this offer, however  XXXX   XXXX   XXXX  should have a record of it. I have uploaded co pies of 13 payments that have been withdrawn from my bank account. If there are 25 payments still remaining and I have paid 13,  this is a 38 month loan. Also, customer service has informed me via telephone that this is a 3 year loan. My last concerns are that I was charged {$990.00} just to " start '' the account, and no funds from this fee were applied to my account balance. Additionally, there is a {$1000.00} added to the balance of the loan that is not part of the funds dispersed nor interest. I question if this practice violates consumer right 's laws.
Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
Problem is with XXXX XXXX XXXX This is why XXXX is clouding they making a extra money off of laym excuse on the statement closing date XX/XX/2018 My balance was $ XXXX and i made {$1100.00} credit I have been told by the XXXX represanative that when credits made to the account is greater than my balance it wound cover my payment but they charged me {$27.00} late fee anyway Credit cards started to XXXX off the consumer again I think XXXX should be fired from cfpb Represanative are rude robot like unwilling to lessen and they are judge mental and refuse to resolve the issue
My Mortgage Company referred a debt to McCarthy Holtus without ever contacting me. When I discovered my mortgage payments were not made I attempted to make them right away. Mortgage company told me my home was already in foreclosure. When I contacted the public trustee 's office they confirmed my home was NOT in foreclosure.
McCarth Holtus told me file was too new and they had no information yet. They told me they would not accept my payment until after they filed foreclosure proceedings. I told them ( begged them ) to allow me to bring the loan current BEFORE filing foreclosure proceedings but they refused to accept any payment until they could add on additional legal fees not yet incurred, and also to file foreclosure proceedings against me.
They are aware that foreclosure has not been filed, fees have not been incurred and yet they refuse to accept payment in full until after they can assess fees and file legal proceedings against me.
I have a debt with Navient Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to XXXX. XXXX is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to Navient. I asked them to please return my account to Navient or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in one payment to make this fast and they refused. I am able to make the monthly payments to Navient again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.
XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.
I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
Financial XXXX, Redlining, by US Bank created a health and safety concern for me.

US Bank was fine with me using the card until I spent money at an establishment predominantly patronized by non-white men and women. Then they stopped the card for fraud.

The fraud department was unable to verify me through the automated system so I was stranded in very cold weather in a place where I don't know anyone.

This bank should be investigated for redlining by creating fraud holds more often and aggressively on cards in locations predominantly frequented by persons of color.

If a fraud hold is needed they need to have an immediate call transfer to a live person so that an emergency does not happen like last night.
On XXXX XXXX received a text on my cell phone. Said it was from my bank. When I opened it the bank insignia looked legit along with bank name. It said there was a problem with my account and they needed to set aside a certain amount. The attachment was a questionnaire want my bank information. Felt it was a fraud since my bank does not have my cell phone number and know they would not be asking for my information via a text. Called Bank of America and they verified that they did not send it. They asked me to email the text to their Fraud Department. Did so immediately.
I was referred to apply for my Amex Gold card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Besides this, I also do not receive my 20 % restaurants purchase for up to {$100.00} statement credit. 

Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. 

Also their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.
Hi, My name is XXXX XXXX XXXX XXXX - Original Account # XXXX had an account with XXXX XXXX XXXX for a mobile line, back in 2011. They started raising their prices so I closed the account and paid off what I was told. 
Four years later, XXXX XXXX XXXX reported this account as none paid, to a collection company named " Enhance Recovery company '' ; which reported this account to the major credit bureaus as none paid and damaged my credit in a greatly manner! ERC did not contact me by phone or mail. When I recently contact them ( ERC ), they told me that they were trying to contact me to the phone number that was given by XXXX XXXX XXXX, which I closed back in 2011, so would they contact me? Now, that BAD account will be in my credit report for many years. 
Just this pass week, I called them and I settled a payment in full to get rid of this account. However, they said ( XXXX XXXX XXXX and ERC ) that they can not erase it form my credit account. Is there any way that I could do that? I would appreciate if any company could get in touch with them and inform them that is not right just to damage someone 's credit with out any contact with them. Below, is ERC information:XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX Toll XXXX Hours ( Eastern Time ) :XXXX XXXX XXXX advance, thank you so much for your time.
I have a variable rate home loan with XXXX XXXX XXXX XXXX They offered me a rate renewal where I could fix my rate for the next 5 years. I agreed to the terms of this offer and formally applied on XX/XX/. On XX/XX/XXXX I was sent an email saying my rate renewal request was approved, and I was being sent a loan modification document to sign and return. On XX/XX/, I received a letter saying my rate renewal request was declined because Capital One did not receive my signed modification agreement within the required timeframe. However, I never received the loan modification document that I was supposed to sign. 

Today, on XX/XX/XXXX I called Capital One ( spoke with XXXX ) and told them I never received the loan modification document. They are saying that because their system shows they sent the document, there is nothing they can do. And, since they no longer offer loan rate renewals, I am unable to have my rate renewed. This is a terrible process -- I never received anything from them in the mail, regardless of whether or not their system says they sent it to me. Why can't they honor what they originally approved and send me the documents that need signing again, or electronically?
I attended XXXX College located on XXXX XXXX in XXXX, Ohio. I was enrolled in the XXXX XXXX program for XXXX XXXX. It was a 4 semester program. Halfway through completing the program we were notified that XXXX XXXX was not locally, regionally, OR nationally accredited or recognized by the XXXX XXXX XXXX as an official school of XXXX. They were closed. However, before they closed, I lost a minimum of {$20000.00} in financial aid to them paying for tuition costs, books, lab fees, etc. to obtain by degree in XXXX XXXX. I have tried to work this out through my loan servicer Navinet but have been unsuccessful. I am requesting loan forgiveness or cancellation due to the school closing. Since XXXX closed, another unaffiliated school by the name of XXXX XXXX has opened and they offer XXXX classes. No school in the city or state of XXXX, however, will accept or honor any of the courses students have taken at XXXX College in XXXX, Ohio. This was a complete loss to me both financially and in terms of time. Navinet claimed that they were unable to verify that XXXX was closed ; however, it is not very hard to find that information if you really look for it. I have proof that it was closed. It was not accredited.
I overdrafted my checking account at sovereign bank a few years ago on a small charge. Shortly after I overdrafted I had my wallet stolen. I had overdrafted between XXXX and XXXX dollars and now I am being called by collection agencies looking for XXXX dollars. I went in to my local ( whitman ) santander branch to resolve the problem and they were not willing to wipe the charges. I am a college student and I am struggling to open a bank account because of this ludicrous fee that I can not pay off.
Roundpoint Mortgage servicing changed my monthly mortgage payment amount based on an escrow analysis they said they performed but never sent. Although they have my email address and notified me of a late payment via this email address they did not send notice of the change in monthly mortgage payment. The payment I made was {$54.00} short of the new amount so they " held '' the monthly payment without notice and did not apply to my account. This seems to be done in an underhanded and secretive manner to incur late fees
I have a mortgage w ith Ocwen. T o begin with, they appraised my house about {$30000.00} more than it is appraised at today. In  XXXX , I have a balloon payment of {$50000.00} which I do not have. I am trying to refinance with another lender. For a VHA loan, the appraisal and credit are fine but they discovered that my house could possibly be less than  300  feet from a gas station across  XXXX  he street from my home. I am currently in the process of having this surveyed. W e have also considered a convential loan but it appears that Ocwen shows I have  XXXX  late payment. I had a bankruptcy discharged in  XXXX . I paid off a second mortgage with Ocwen in   XXXX  . Although I think I have the problem solved w ith Ocwen, t hey would continually not send my payment coupon. I would call them and after talking with several different people, I convinced them that the bankruptcy had been  discharged ba ck in   XXXX  . They kept saying I had another bankruptcy in  XXXX  which is totally false. There was never any real property included in the bankruptcy. Unfortunantly this late payment report blocks getting a conventional loan. Do you have any help for this? Thank you!
Called on XX/XX/XXXX and times before to defer my student loan. They said I have two loans - one through the Dept of Education and one through Navient. The paperwork that they send is so convoluted and doesn't make sense. But, my interest keeps accruing, they keep calling my cell 5-6 times a day, and I don't have the money to pay them, not to mention the fact that they make it so difficult to figure out what I'm paying for - and to whom! Why aren't they straight-forward with the costs and which loan is for what. To be honest, I don't think the original loan amounts are accurate and I would like to see copies of those documents ( with my signature ) to verify the accuracy of those loan amounts. Will they still have copies from the XX/XX/XXXX?
I sent this letter on XX/XX/XXXX, but I have not yet received a response.
My mortgage was transferred back in XXXX of 2016 from XXXX to LoanCare. On XXXX/XXXX/2016 I called loancare to verify if they 've done any payment to my hazard insurance company ( XXXX ) since my due payment is on XXXX/XXXX/2016, surprisingly the loancare agent told me that my hazard insurance is not included in my escrow account, however it was disclosed when the transfer took place back in XXXX, also the loancare agent informed me that I should 've received refund check of amount {$570.00} back in XXXX 2016, so I told him that I did n't receive any refund check of this amount, after all the runaround given by loancare employees along with speaking to the manager for the past two weeks .After being frustrated and hopeless, I decided to avoid the confusion and take care of my home insurance myself, therefore I called back loancare and told them to send my refund check which I was supposed to get back in XXXX 2016, so I could pay my home insurance by myself, and I ask them to do not include my hazard home insurance in my escrow account in other word just keep the mistake they 've done the way it is, because I did n't want to cause more confusion .Until today I still have n't received my refund check, and every time I call loancare I get a different story from their employees.
I keep getting called and the person they are looking for is not me. But they continue to call.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX  OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX XXXX, XXXX, OH XXXX   XXXX XXXX XXXX , XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX   ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX
XXXX changed to Navient and I had automatic payments and was not notified that the payments were not going to be transferred. Because of the the loan went unpaid and this caused negative marks on my credit, I have called Navient to correct these negative marks to bring my credit score back up and they will not comply even though I corrected the issue as soon as it was discovered and have been making my automatic payments through my bank. Such practices can ruin the credit of a former student making finding housing and purchases impossible.
On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.
This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc.,
Equifax is not responding to my requests to investigate, verify and remove accounts in my credit report that do not belong to me.
To whom it may concern i having a major issue with The reporting Agency Experian with violating my rights when it comes to following the fair credit act. i requested my credit report i received it i saw things that was n't correct so disputed them in a dispute letter online and through the mail. I request them to provide all original applications in my credit file verifying all claims of debts with my wet ink signature no copies thats not verifying according to the fair credit act section 609. they havent provided me with any documents they have completed my dispute all they remove was XXXX credit cards and updated all the other unauthorized accounts.
NAVIENT has contacted me via mail, telephone and email ( somehow they have reached out to me and my co-borrower via e-mail, though I have never provided them with this information ) about XXXX private student loan disbursements that I have no record or knowledge of ever obtaining. I have since fallen past due on amounts for both of these loans and when I called NAVIENT to seek an economic hardship forbearance and/or deferment of any sort, they told me that they required a significant payment in order to process any kind of deferment or forbearance. I am attempting to research these XXXX loan disbursements, but I wanted to have a forbearance granted in the meantime while I figured out what exactly these accounts pertained to. NAVIENT refuses to work with me in any way, shape or form, and they seem determined to ruin my credit over unverified debts in the process.
Re : XXXX On XXXX XXXX, XXXX, I booked a round trip XXXX XXXX ticket from XXXX to XXXX using my XXXX XXXX XXXX XXXX rewards points. 

Trip ID : XXXX Flight Confirmation # XXXX Agency Reference # XXXX Upon arriving at the airport during the check-in process I was advised by XXXX no ticket or reservation was associated with the email confirmation number provided to me by XXXX XXXX XXXX. In order to travel on the flight I was required by XXXX to purchase a new ticket at check-in for the amount of {$770.00}. Unfortunately, the XXXX XXXX XXXX XXXX failed in its fundamental service of arranging travel for a very important trip. Travel rewards are a central part of the XXXX XXXX XXXX benefits and the main reason I signed up for the card. I was forced to pay out of pocket {$770.00} and go through an extremely stressful event in almost missing an international flight because of the error. I also never received reimbursement for the reward points I used to book the original flight. 

I am further disappointed because, upon contacting Chase customer service and sending the XXXX receipt on XXXX XXXX, XXXX, I was promised by XXXX XXXX XXXX that I would receive a check reimbursement for {$770.00} via mail within 14-20 business days. Nearly 50 business days have past and unfortunately I still have not received reimbursement for the error. 

I originally reported the error over the phone on XXXX XXXX. I followed up via phone on XXXX XXXX and complied with the request to send an email receipt from XXXX. I followed up again with Chase in writing via the secure online emails system on XXXX XXXX. I followed again via phone in the middle part of XXXX and again on the XXXX of XXXX. On the XXXX of XXXX I explained I would be filing a formal complaint if I did not receive reimbursement. Again, for the 4th time, I was promised a check in the mail. On XXXX XXXX I followed again with Chase in writing explaining the situation and asking for written confirmation of when I would be receiving the check. I received no response from the travel rewards department to my request.