WillisBack/dataset-financial-user-claim huggingface dataset:
I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.
Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.
My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/2018. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/2018. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!
I am XXXX military member ( XXXX ) with the XXXX. Chase Auto Finance is refusing to pay on the GAP insurance/waiver coverage that I purchased at the time I signed the financing agreement. While stationed at XXXX I purchased a XXXX Cadillac ATS Premium and financed the vehicle with Chase Auto Finance. When I purchased the vehicle the original financing agreement included an option to purchase GAP insurance for an additional {$690.00}. The provider of the GAP insurance was " XXXX XXXX '' however I was also required to sign a GAP Waiver Addendum which stated that what was purchased was not insurance, but an agreement for Chase Auto Finance to Waive any deficiency in the event the vehicle was totaled. Chase Auto Finance agreed in writing for me to ship my vehicle to XXXX when I received military orders re-assigning me to XXXX. The letter explicitly authorized me to drive the vehicle here in XXXX while I am stationed overseas. The vehicle was totaled in an accident. Now Chase is refusing to honor the GAP insurance/waiver provisions because the loss occurred outside of the United States or XXXX. They are also refusing to release the lien on the vehicle so that the salvage value can be recovered and sent to the bank. I simply want Chase Bank to honor its commitment to cover the deficiency between the insurance payout and the remaining balance on the loan ( {$1300.00} if the salvage value of {$8000.00} is paid ).
I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.
I took out a loan with Sun Loan company and paid the balance in full In XXXX 2011 before moving out of the state. In XXXX 2011 they reported it on my credit report as an unpaid charge off. Not once have I received any documentation or phone call stating that I had a remaining balance or that it was being sent to the credit reporting agencies. I have disputed this on my credit reports and it keeps coming back as validated and I have still yet to receive any formal documentation from Sun Loans. I have tried to reach out by phone but when I call the number listed on my credit report it states that it has been disconnected. They are reporting derogatory marks monthly to the credit bureaus and each time the balance is increased. My rights under FDCPA XXXX were violated when they put this on my credit report without ever reaching out to me and not giving me my 30 days to dispute the validity of the debt.
On XX/XX/XXXX, I sent an investigation request to XXXX, Experians, and XXXX XXXX. XXXX responded with my results in a timely manner, but Experians and XXXX XXXX has not. THey are supposed to respond inside of 30 days, but Experians and XXXX XXXX has not met this requirement.
I am another victim of the paypal scandal that has been hovering over XXXX. Products that are sold from supplier 's that do business from XXXX are not good for business with their sub standart materials and craftsmanship. When problems arise paypal is always on their side with ruling of defective products. 

I 'm filing this complaint against Pay Pal for their bises practice.
In XX/XX/XXXX, I open an account with XXXX XXXX a light company. In XX/XX/XXXX i was aware that my contract was over, so i switch light company because to my knowledge I was done with them, and i need something to cheaper. My husband and i were working at the time, my husband was just going to start his new job. So anyways after i switch light company thinking my contract was over. I never got a called, nor a later from them ever again. But now is XX/XX/XXXX and the last week of XXXX i received a called from Credit Management control company. Saying that i owe money, but i wasnt sure if it was my account because this had my old last name. The rep said she would look into and call me back, but i NEVER got a called back. Just recently i notice the put this on my credit as a collection, so as soon as i saw that i gave them a called. Ive spoke to a rep, that was completely rude after i ask if i get a deletion letter if i paid them off. Which if is my account Ill take full responsibility and pay for it, but i NEED this delete it off my credit. I ask to speak to a manager, same thing he was rude and disrespectful. Would not help ONE bit.. i called again and same thing spoke to a supervisor and again he was rude and even threaten to hang up on me. Was giving me false information that is up to the credit bureaus to delete this account after i pay it, which is a lie. I know is up to them to delete it, because they are the ones reporting. This company is very unfair and treats people very rudely. Ill take full responsibility and pay for the account if is mines. But all i ask if for them to get deleted of my credit. The way the spoke to me was very wrong. It can really mess with someones mental health, the way the abuse their power is very wrong, and it should not be permitted for a company to talk to anyone the way this company does.. and another thing they said they have send me letters so i can know about this matter and is a lie because even if they send it to my old address, i have not gottten anything because i had all my mail forward to my new address and i get everything else to my new adress BUT this. How come? Because they have send me anything. They just lie.. its not fair to us..
I am a victim of fraud from XXXX and their false promises of employment ; I have tried several times to request help from Navient and they are refusing to assist me. I am stuck with a XXXX debt with no hope of repaying because I can not find work in the field that I trained for because of the lies of XXXX a school that was closed by order of the US Department of Education. I am asking for the same treatment as other victims received including tax-free loan forgiveness. I have read on several websites of these programs and Navient only tells me, there is nothing they can do I will have to pay the loans in full. No exceptions. 

Also, they have a " Private loan '' in my name that I never authorized, I 've talked to a few people and they told me the loan was paid to the school ... however, there are no records!!! I am paying for a loan I never asked for!!!
On XX/XX/XXXX, XXXX received a call from a representative of XXXX University regarding taking a class online. At first while talking to the consular, it sounds like I would be interested so I checked out the website but had not taken any class 's or gone to the University to participate in any of their class 's while living in XXXX, XXXX. 

I decided that I was not interested in taking any class 's online at XXXX University or I did not sign any agreement with XXXX University. They stated that they have an electronic signature on file. ( See attachment ). 

XXXX University kept on calling me about taking the class until I moved to a different location in XXXX, XXXX and there was no more contact with them. 

While I was living in XXXX, XXXX I started to inquired about my credit history XX/XX/XXXX and found XXXX University had place a balance own my credit report, owing them {$540.00} for classes I did not take online. 

Attach is the documents that ATG Credit sent to me, they are the third party that is trying to collect this money for me.
Someone deposited counterfeit into my checking acct. and the bank honored them. The money was withdrawn the same day. They are holding me responsible for all monies withdrawn. They subsequently closed y account and say I owe them XXXX plus dollars!!
When accessing my Bank of America credit card account, I have noticed that even with the redesigning of the site, the information displayed is viciously misleading, which has lead me to miss and/or misunderstand the amount due. On XX/XX/XXXX at XXXX PST I called Bank of America credit card services to not only express my concerns, but to inquire about an interest charge and to understand my ACTUAL balance due. After the rep spoke with me, and condescendingly explained the charges and information displayed on the website, I expressed great concern for the manner in which information is being displayed and asked the rep to relay my concerns to her boss who should also relay it to their boss. See pictures attached, pay close attention to credit card information displaying the current balance, statement balance, payment due date, etc., etc., etc. Upon speaking with the representative tonight, I repeated myself several times to ensure that I knew what balance is due this month. The rep told me that {$0.00} is due because I made a payment in full on XX/XX/XXXX ( displayed on my statement on XX/XX/XXXX??! ). The rep went on to state that, even though my online dashboard shows that I have a statement balance of {$2000.00} due by XX/XX/XXXX, and a current balance ( with no due date anywhere is sight ), {$1500.00} will be due on XX/XX/XXXX. " Okay, great! Thank you!, '' I exclaimed, " but this is definitely NOT what is displayed on the online dashboard when I log in to pay my account! '' When I explained this to the representative, she stated, " log back in on the XX/XX/XXXX and the amount due will be {$0.00}. '' This is not a solution. To log back in after the close date of the credit card means that I could be late on paying my credit card. That does not help me to understand what amount is due on the XX/XX/XXXX. What I do know is that every month my balance is due on the XXXX and I have until the XXXX to pay the balance in full or I will be assess an interest charge. I also understand that the balances due are incurred from previous months. I understand this all but this is NOT what is displayed. I feel this website is purposefully misleading or someone is just really bad at designing a website/dashboard. My credit card was opened in XX/XX/XXXX and I have been dealing with this issue since I opened the card. I take pride in paying my credit card in full every month but it is purely because of how Bank of America continues to display misleading information that payments are missed or late.
For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.
XXXX XXXX reported to TRANS UNION that My account was LATE and in their COLLECTION Dept. 

I was in the midst of a dispute with XXXX over a {$300.00} early termination fee since I was told by a XXXX Customer Service Representative that the cancellation fee would not be imposed since I notified them I wanted to cancel HOWEVER wanted to keep my same home telephone number which may take 7 -10 days to be released. 
The trial period was ONLY 14 days, I called on day 13 to cancel but was told I would not be able to keep my number unless I waited until XXXX released it. 
Thus it would be impossible to terminate service and keep my number ( which I 've had for 23 years ). 
A few days later when i received notice that my number was released I terminated service. 
I received a statement stating I had service for more than 14 days and therefore I would be charged the {$300.00}. 
I spent countless hours trying to speak with representatives and get XXXX to investigate the rep. who assured me the cancellation fee would not be charged. I sent XXXX letters to XXXX disputing the charge. 
Without a XXXX party or fair investigation, XXXX assigned my account to their Collection Dept. 
I disputed the wrongful tactics of XXXX. Preventing me from canceling within 14 days and keeping my 23 year old telephone number. 
XXXX claimed the rep. did not enter the comments into record and therefore the agreement to charge my was valid. 
XXXX should not be able to report my account as in collection while I am disputing the charges. The also should be required to have a third party investigate since XXXX simply denied their representative had told me or had the authority to tell me the early termination fee would be waived while awaiting the release of my home telephone number. 
I have paid IN FULL my account including the {$300.00} and XXXX still refuses to enter a new report to Trans Union without the indication that it was in collection. 
My credit score has suffered, dropping over XXXX points. 
IT is the ONLY adverse information on my credit report. 
Trans Union refuses to remove the collection designation even though it is paid. 
I told them it was reported while I was actively waiting for XXXX to investigate. 
Trans Union " investigated '' and a letter arrived showing that XXXX still shows it was in collection and thus it will not be removed until 2019! 
I want Trans Union to remove the Collection designation.
I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.
Id like to make a complain about the XXXX XXXX. I paid XXXX dollars in one payment which covered the whole balance of the account only to see that the next day there was a XXXX dollars balance. I called to ask where that balance came from when I just paid the card in full and they claimed it was from a pending purchase plus 12 dollars of interest. The last purchases were on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX. I dont understand how those purchases were still pending when it had been 2 weeks since those purchases. Id like to get those 56 dollars back and keep the card closed. 

XXXX XXXX XXXX XXXX 23 {$23.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX XXXX for amount XXXX REWARDS 23 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XX/XX/XXXX XXXX XXXX XXXX 46 {$22.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX for amount XXXX REWARDS 46 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XXXX/XXXX/XXXX XXXX XXXX 25 {$25.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX for amount XXXX REWARDS 25 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT XXXX XXXX
on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.
Consumer 's Original Complaint : Mass interest defrauding the consumer, paying consumers short on interest XX/XX/XXXX, while their Statements say they have paid interest from XXXX/XXXX/2016 thru XXXX/XXXX/2016 they have paid 1 days interest short to every sinle consumer. while telling the consumer it is correct. I have finally reached a manager XXXX XXXX, who has now admited this is in fact the case. It has been my suggestion that they need to pay every customer the short payment immediately, and this should be correct going forward. I really believe Synchrony Bank should notify every consumer accordingly on their web Site. They keep calling me, and still argueing, their Web site does not work either most of the time, see XXXX consumer complaints on line APR is also incorrect should be 2.30 % not what they are paying at all. 

Consumer 's Desired Resolution : Pay me and every other consumer this short paid interest immediately without delay, and generate corrected statements. We are talking about so much defrauding of the consumer. Only when I said I am going to contact a class action lawyer did they get a supevisor, and she then admitted they had a problem Not only that they are telling customers they are paying a vcertain APR, and not paying that amount at all. This is on CDS and IRAS,
Receiving numerous voicemail threats that company will come to my home or my employer to serve me with papers and is going to to contact my employer and failure to be home between XXXX would be considered a refusal of service and lawsuit would continue without me. Also that they would pursue legal action against me. Did not state name of company. However, he did state his name, XXXX XXXX. He called from private numbers but left a number on several voicemails, ( XXXX ) XXXX. No one came to my home and no one came to my employer.
I have a credit card with capital one. I have not used it in one year. The interest is {$100.00} per month. I have been paying it and not able to pay more to decrease my principal. 
I called XX/XX/XXXX I was offered to : close my account, lower my interest from around 20 % to 7.4 % pay {$74.00} per month. The woman put me on hold and call got disconnected. 
I called right back and was told the offer is no longer available because the call was not completed!! I sent a letter to close my account and call me to resolve the interest. No one contacted me. I called XX/XX/XXXX spoke with ID # XXXX to no avail spoke to her supervisor XXXX and she told me they can not offer it at this time. I am desperately trying to resolve this and Capital One will not work with me. I can not continue paying {$100.00} per month and not lowering my bill.
I am an XXXX in XXXX that works on behalf of XXXX low-income and XXXX clients. One of our client 's contacted us concerning an identity theft issue pertaining to his Direct Express account. The client is XXXX and has difficulty traveling throughout the city. He filed a fraud claim with Direct Express because someone used his Direct Express card without his knowledge or permission and withdrew money from multiple ATMs in neighborhoods where our client never travels. Direct Express responded to our client with a letter stating that they had completed his investigation and found conflicting information and that they could not confirm that fraud occurred. There was no further explanation provided in the letter regarding the alleged conflicting information Direct Express used in making their decision. However, the letter stated that the client could call Direct Express to request a copy of the documents used in making their determination. Our client called Direct Express at XXXX on at least four occasions to request the documents. He has yet to receive the documents. Frustrated that he could not resolve this issue on his own, our client asked that I call Direct Express on his behalf to see if I could get a copy of the documents as his attorney. I called Direct Express and offered to provide them with a signed and notarized authorization form from my client giving me permission to communicate with Direct Express on my client 's behalf. The customer service representative at Direct Express said that I could not speak to Direct Express on behalf of my client and I need not submit an authorization form because I am not the client 's representative payee on his Social Security account. I asked the representative if there was a form that Direct Express could send to me that would allow me to communicate on behalf of my XXXX client and I was told there was no such form and that they could not provide me with the information pertaining to his fraud claim. I was unable to assist the client in getting information from Direct Express. As an attorney that works on behalf of XXXX clients, I imagine that many of my clients will face an issue pertaining to their Direct Express card, and unfortunately, I will not be able to communicate with Direct Express in order to assist these clients.