WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, is XXXX XXXX XXXX and XXXX about two years ago. Her XXXX affected many of her XXXX including her XXXX and required her to purchase XXXX. Since she is on XXXX and has no income, the XXXX doctor recommended she use the Synchrony Bank card with its interest free promotion to purchase {$3000.00} XXXX. XXXX signed up for the card without fully understanding what she signed up for and purchased the XXXX. With no income, she should not have been provided credit. XXXX believes the Doctor told her that she would have 3 years to repay. But, she is not sure and has no paperwork. 
Upon receipt of each monthly statement, XXXX diligently paid what she thought was the amount needed to pay off the balance during the promotional period. Since the bill each month only provided her with XXXX choices ... '' minimum payment only '' or " pay off in 3 years '', she assumed that by paying the " pay off in 3 years '' amount each month, she would pay off her balance interest free. Again, that is what she thought the doctor had told her. Unfortunately, the promotion was an 18 month promotion period, not 3 years, and the deferred interest was charged after 18 months of {$1100.00}. XXXX is XXXX XXXX XXXX and was confused by the monthly bill and did not understand the bill or " warning '' they sent to her in advance of the promotional period end date. 
XXXX deteriorated further in XXXX 2016 and was no longer able to handle her bills or estate. Her son and I was required to assume management of her affairs and pay her bills. XXXX is confused as she thought she was paying the bill correctly based upon the options on the statement and what the doctor told her. The bills are confusing as they do not provide a correct payment option to pay off the balance in advance of the 18 month promotional period expiration. Obviously, the XXXX options provided each month on the bill do not pay off the balance in time. Had the bill included a payment option that paid the charge off in 18 months, XXXX would have paid that amount each month. In addition, charging a XXXX XXXX XXXX XXXX victim who is in a XXXX home surviving on XXXX a 26.99 % interest rate to purchase XXXX XXXX that she could not afford is an just inappropriate use of credit. 
XXXX 's son has called Synchrony and explained the situation. They have been unsympathetic to date and unwilling to assist in this matter. Using this type of credit card with the elderly for health related issues and then charging them 27 % interest is predatory. XXXX has no income and should not have qualified for a credit card. 
XXXX is requesting that Synchrony waive the almost {$1200.00} of deferred promotional interest charges. The principal amount of {$3000.00} has been paid. The current remaining balance is interest only and Synchrony continues to charge 27 % of interest on top of interest. This is a predatory card which preys upon the elderly who do not understand what they have signed up for or agreed to and, in this case, do not have the income to even qualify for credit.
Synchrony Bank, which manages CareCredit card, has ran credit reports on me to open an account multiple times, multiple weeks. They have already issued me a card. XXXX reports were ran with XXXX, a week apart. This is going to effect my credit score and should not be allowed.
The company ROUND POINT, was suppose to make my home insurance payment, but they sent the check to the wrong address, or so they say. They wanted me to issue another check, but they made the mistake I tried to speek to someone in the office, but they were giving me the run around, I was STRESSING out. I wanted answers, that's why I contacted your company, PLEASE HELP ME. I want some action takin to this company!!!
I started to realize that my principle wasnt coming down on the original loan. After discussing with an agent i was informed that i had only been paying the interest on the loan and it was accuring at {$8.00} a day which further made me realize that I will never beable to pay off the loan at this rate. They werent willing to adjust the interest accurring..
I believe it was in XX/XX/XXXX XX/XX/XXXX I started school with XXXX I told him I had XXXX in a XXXX problem they said they had many resources to help me every time I would email the instructors on how to do something or to explain it to me a little bit better I always got the email back saying I do n't understand what you 're talking about I kept on having to take classes over and over and over until I got passing grade never got any help
This company has been calling my number which is registered on the FTC do not call list from different spoof phone numbers every since I bought this phone a few months ago. They called today from XXXX XXXX XXXX which is my area code in XXXX  California but when I called them back I got a recording saying they were closed and to call back before XXXX XXXX  eastern time. I do not owe any money to these people and I am sick and tired of having my life interrupted to tell the XXXX  I am not the person they are seeking. They continue to ignore me and call anyway at least twice a day. The recording identifies the company as " ERC '' but I have never heard of this third party debt collector nor have I ever received any mail from them.
I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
I purchased a house XX/XX/XXXX, in XXXX, Georgia. Property address is XXXX XXXX XXXX, Georgia. At the time I purchased the property, I received a XXXX loan with XXXX XXXX XXXX. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in XX/XX/XXXX. The 80 % was satisfied, however the 20 % part of the loan was not. The XXXX part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my credit, when I no longer own the property, instead of an account in collection. Since the creditor has been reporting this as a late mortgage payment every month, it has really affected my credit. I have reached out to the creditor directly and also disputed on my credit report, and the creditor refuses to make the necessary corrections. This is an unfair and deceptive way of reporting a debt as a mortgage debt instead of an collection, when the creditor bought the debt and is clearly identifying themselves as a debt collector. I need for the creditor to correct my credit reporting information as soon as possible.
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at TransUnion,   XXXX   and Transunion they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up. TransUnion told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
XXXX   XXXX  is attempting to collect funds from me for a delivery of water they never made. It was scheduled to be delivered but never was. This is not the first time the newer delivery driver failed to deliver to us and we were still charged. I know this for a fact because I have an HD video surveillance system. They assured me on three different phone calls that the bill would be corrected but it never was. Also they are trying to collect additional funds they are not owed for late fees.
Choice Recovery is reporting to XXXX that I owe them {$280.00}. I do not owe them nor have I ever owed them {$280.00}. I sent them a letter requesting a contract with my signature to pay this amount and they refused to comply. They said the debt was a debt that was transferred from a company called XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and they stated they have no record of this. If this item is not removed from my credit report immediately I am going to report this to the Ohio State Attorney General as well as file a lawsuit against Coice Recovery for defamation.
XXXX, Experian and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
Two American Express accounts were opened fraudulently in my name 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX I have contacted American Express numerous times to get the information needed for the police report. Each time I call American Express, I am informed of different information and requirements needed to get the report. 

1st calls/conversations : The initial conversations I was told to mail in either a copy of a government-issued ID or a copy of the police report. I did this via USPS with a tracking number. 
2nd calls/conversations : When I called back to ask where this was in the process they informed me they had not received the document even though it clearly showed that it was received. The address was verified as correct. Additionally, I was informed that it must be BOTH the police report and copies of my ID and that since my original documents were lost that I could upload the documents to the website at www.americanexpress.com/XXXX. 

3rd calls/conversations : I had to call back again as I was not provided a reference number to upload the documents. In which I was informed that I could not upload them and that the must be mailed in. When I asked if my original document was received Ameican Express insisted the documents were never received even though they also verified the tracking number insisting it must have been delivered to someone else with all of my personal identifying information. Additionally, they informed me of a new requirement to submit a notarized affidavit along with all the other requirements. 

When I requested the instructions be provided in writing to prevent the continued miscommunication American Express has refused. They also have no resolution for the missing documents received verified via tracking. It seems it will be next to impossible to get American Express to assist in providing the fraudulent application information over to the detectives investigating. 

I have had this situation with one other credit card provider and none of the issues that I am having with American Express. I can not believe how uncooperative they would be in trying to help investigate a fraud case.
I had some loans prier to XX/XX/XXXX thru a bank. I filed bankruptcy on the bank XX/XX/XXXX. In XX/XX/XXXX the bank is reporting if as XXXX payments received and pay status as charged off. It is hurting my credit on buying a house. Plus I am having to pay high Intrust on anything I purchase on payments. Can this bank legally do this to me.? I feel this is unfair. It should n't even be on my report at all.
ShellPoint LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX In XXXX 2015 the homeowners filed a Chapter XXXX bankruptcy. The lender told them they had to move out since they do n't own the property any more. Therefore the homeowners moved out. The lender proceeded to not foreclose on the property, and instead it has been sitting as a zombie foreclosure for the last year. In addition, the HOA has continued to accrue for the last year, unbeknownst to the consumer. 

The lender then sent a letter to the consumer requesting they market the property and move forward with a short sale. Therefore, the consumer proceeded to hire a real estate agent, market the property, and procure a buyer. 

Now, however, the lender is now refusing to do a workout of any kind, even though they know the mortgage is upside down. They have further endangered the consumer who is no longer allowed to live in the property by accruing debt ( in the consumer 's name ) with the HOA Company. 


The lender has shown cruel treatment to the consumer in every action they have taken : 1. ShellPoint forced the homeowner out of their home 2. ShellPoint forced debt onto the consumer for a property they were prohibited from enjoying 3. ShellPoint lied when they sent out a letter regarding the consumers options that they had no intention of giving them When is this going to stop?
I was in Chapter  XXXX  when my loan was s old to Shellpoint.  At this time they tried to foreclose twice ( as I was in Chapter  XXXX  ).     Once I was out of Chapter  XXXX  I called for my loan amount and information and they refused to speak to me. My lawyer had to contact them and proceeded to tell me the amount, due date and where to send the payment to.     After 8 months I get a notice that I am behind in payments - when I checked my bank I noticed that they have n't cashed any checks. After numerous calls I find out that they increased my payment amount and I was never notified. Funny how then a week later all my checks were returned with letters stating they amount was not correct.     At this point I was {$5000.00} in default. I called and tried to work out a payment plan with no luck. I asked for a statement showing payment history and never received. I asked for exact amount and never received call back.     This has been going on for an additional 3 months so I am now way behind.     Also every 3 months they send a letter that I will owe them money for homeowner insurance - I send them copies of my policy then in 3 months another letter.
I paid debts in exchange for deletion off my credit file. Debt collection company is still reporting on my credit report voiding our recorded verbal and written agreement .I have disputed numerous of times and will seek legal action against all parties at fault
I was contacted at work by XXXX with Premium Asset Services, a collection company. He demanded I make a payment within the XXXX or they would automatically garnish my next pay check. I explained I have a garnishment currently in effect with another company, XXXX insisted he could enforce 2 garnishments at the same time. Not true. He called my work phone a total of XXXX times within an hour. Then today My General Manager states in an email he was contacted by another XXXX XXXX XXXX, insisting that I contact him immediately. I know this is illegal and they can not harass me at work. XXXX
I did n't make this charge. I 've never heard of this company and never received anything from them. XXXX XXXX, 2017 XXXX XXXX, XXXX - {$1000.00}
I have no idea who this United Check Recovery Bureau based in XXXX XXXX, New York is. they are robocalling mobile numbers looking for me. I do not owe this company and they are harassing relatives. They called a mobile number on XX/XX/2019. I have not received any mail nor do I have any accounts with this company.
Wells Fargo Mortgage fraud perpetrated by ex husband have a letter from Wells Fargo regarding this incident, he also with this illegal mortgage filed a false tax lien using my social security number XX/XX/2016 and sabotaged my XXXX back payment and caused me to get evicted from my apartment XX/XX/2016.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I and others are compensated for their negligence and that something like this does not occur again.
My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.
Received a Western Union money order that I ca n't deposit for XXXX days. Says I have to wait XXXX hours. I was under the impression that money orders are prepaid and available right away. I 've searched the internet high and low for anyone else encountering the same thing. Found nothing about this, nothing on Western Unions website ether. Everything I did find read like it should be available right away.
In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.
XXXX has my Capital one account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on XXXX for there reporting practices.
On  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.
i am currently in bankruptcy chapter XXXX awaiting discharge. The company Bayview Loan servicing acquired my account at the same time the bankruptcy final payment was made. They have been holding up this process for 11 months with no explanation. Every time they continue the case in court, I 'm required to continue to pay the higher mortgage cost due to an escrow shortage which was paid completely months ago. Since then, they have continued the case every month. They now are claiming i have a escrow shortage of {$460.00} however, I 've made XXXX payments ( {$430.00} toward escrow/mo ) since the original escrow from last year was paid off and they have not applied any of those payments to the current escrow analysis. Once I 've provided docs proving i do n't owe them anything, they then claim i owe them 3 month payments of XX/XX/2014 which i have also provided them and their attorney with the check copies. They have been bouncing back and forth between the escrow shortage and the XXXX payments. I have made every single payment and paid off the previous escrow shortage. i feel they are prolonging this on purpose to get an additional {$270.00} roughly from me every month. i do NOT owe this company any money. They have continued XXXX court hearings and can not provide me with proof that i owe them while i have been the XXXX to provide all the documents proving my side. i want my account adjusted properly and any overage be applied to the principal.
received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
Hello. I am concerned about the recent allegations against Navient and would like my student loans to be verified. My monthly payments are increasing and Navient has not been very accommodating with a repayment plan. Unfortunately, with the income base repayment plan, Navient does not take into consideration other financial responsibilities of the borrower. I have explained and provided evidence that I am the only employed adult in my household with the responsibility of paying all household bills and daycare for my XXXX children. My husband is unemployed. I can not afford a monthly payment of over {$1000.00} a month in student loans alone. In the case that they can not be verified I would like to request that the loans be removed from my credit. Thank you.