WillisBack/dataset-financial-user-claim huggingface dataset:
I have a auto loan with Consumer Portfolio Services and after a year of paying my loan my balance has not changed. After investigating it appears they are applying my full payment to interest! 
Item Financed : XXXX BMW 3 SERIES Amount Financed : {$17000.00} Contract Amount : {$17000.00} Contract Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX falsely threatening car repossession ; and deceptively manipulating Caller ID. Because for many of its accounts CPS is a creditor, the complaint charges these practices violated Section 5 of the FTC Act. For those accounts where CPS is a debt collector, the complaint charges these practices violated the FDCPA. Improperly assessing and collecting fees or other amounts on my account. Unilaterally modifying my contracts by increasing principal balances. Making unsubstantiated claims about the amounts I owed. After speaking with customer service they refused to give me a straight answer as to why all of my payments have not been paid to the principal amount for the entire year I have had this loan. I feel they prey on consumers with bad credit and or bankruptcy 's in which they charge the maximum interest rate of 24.99 % and expect the consumer to miraculously pay off this god forsaken interest rate.
Hi there, I got a payday loan with Cash Central in the amount XXXX XXXX I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of XXXX ( totaling XXXX ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged an extra fee. 
I called them to ask to re-instate the repayment plan but they insisted I pay in full. I made an arrangement to pay over XXXX third of it that week which processed successfully. I called them to organize the repayment of the remaining XXXX . When i STATED IT WAS NOT IN MY BUDGET to repay the entire amount on the spot they asked me how much money i had in my bank account. Both people asked me this the two times I had called and treated me forcefully. I stated I had n't arranged for XXXX two payments but the lady had suggested a plan. They had set up two more payments form my card for the following two weeks. I told them that these were not authorized but only suggested by the representative and that she said she would call me to discuss. I had to argue with a lady for 20 minutes in order for her to not process the next XXXX $ on my card that week, which I could not afford. I had to keep stating " I do not authorize you to charge my card ''. she finally agreed to wait until the following week. 
Today I look at my bank account and the entire amount of XXXX $ was attempted to be processed yesterday without my authorization, which is entirely illegal right?? 
Not only did I not have a scheduled payment, I clearly did n't authorize the payment of XXXX $ never mind XXXX XXXX At the end of my phone call the lady asked if i was still with XXXX XXXX XXXX and i said yes. So they decided to use my account information to try a payment even though unauthorized. 
I do n't think these companies should get away with this kind of activity. I paid on time every month for a year and they are acting without boundaries, and illegally, using my card information without my authorization.
I have a written a letter to XXXX Customer Service, in XXXX XXXX, XXXX XXXX, on XXXX XXXX, 2016, explaining to them that there some misunderstanding on my loan number # XXXX, I paid this loan in the amount {$100000.00} this loan was paid in full by my XXXX XXXX in the amount of {$1000.00} for the entire amount, still they list my account as Negative for payment as if I had made any effort to pay it? What is honest man suppose to do when you pay your bills in the right way? I have enclosed evidence for this accout-SEE ATTACHED.
XXXX/XXXX/2018 SRA Associates called my place of employment at XXXX. I work at a call center and not allowed to accept calls that are personal. They call and hang up. Need help in getting them to stop calling my place of employment.
On XX/XX/2018 my account was reported 30 days late when in fact when they are suppose to report late 30 days past due date when it was only 14 days. 

BMWFS services. 

I disputed this account multiple times and they refused to fix my account.
I settled debt with 2 credit cards XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.
I have been getting calls from a XXXX XXXX with Nationwide Arbitration Services at XXXX and he is threatening me with legal action. Have not received any written information regarding a debt that he says I owe. When I tried to speak with him, he was very rude and dominating. I demanded information in writing and he states that he is sending paperwork to XXXX XXXX Texas court system and the docket # is XXXX. XXXX XXXX Texas has no information regarding that number.
Over a year ago I transferred balances to Capitol One hoping to save on finance charges while I paid off the principal. Capitol One still charges finance charges even though I pay on time every month. I contacted them and they are unwilling to help me with this. I can not afford the finance charge. I owe {$2000.00}. The due amount only goes higher. I transferred my balances to Cap One in hopes that I could resolve my debt.
My daughter had a private loan with Chase and I am the cosigner.I never received a statement from them in the 4 years since she took it out. Last month I got a document from them showing the original load had increased by {$2000.00} due to interest. Had I received statements from them, I would have been paying the interest as I have done for the past years with the other private loan she took it out. When she logs into her account there is no information about the servicer or interest amounts.It only shows it is in deferment. The interest also seems excessive. The original loan was {$600.00} and now it has increase to almost {$8000.00} in a few short years.
Been advised by XXXX XXXX XXXX that they will not provide quotation due to negative report by Trans Union. Contacted Trans Union and they deny and only send credit reports.. No explanation, and credit score is XXXX, XXXX XXXX!!. XXXX no help and continues to refer to Trans Union. Both entities " passing the buck '' and no concrete answers. This is damaging and a " first '' to my reputation. of 87 years! Respectfully Submitted
BMW financial service is very unprofessional and did not do their jobs after charging {$100.00}. I need to takeover a lease from my friend and I have very good credit history ( 760+ for all three credit report ). On XX/XX/XXXX, I submitted my application. Then they call me said my XXXX  and XXXX report are frozen. Actually I only freeze my XXXX report. I call back give them the access code. After one day, the told me I am rejected. But I didn't find any credit inquiry in my XXXX report. There is no negotiation, no reconsideration. If they made mistakes, they will also charge you {$100.00} and don not refund.
I had a Wellsfargo representative set up automatic payment on my checking account for my Wellsfargo automobile loan. I was told that the automatic payment was going to start XXXX/XXXX/16. I went up to the Wellsfargo on XXXX on XXXX/XXXX/16 withdrew {$200.00} to pay my automobile loan and was told by the teller that I did not have to pay because the money was scheduled to come out automatically. I then get a phone call from Wellsfargo beginning of XXXX that my payment was past due. So on XXXX/XXXX/16 I went up to the bank and withdrew {$240.00} and paid my past due balance and at the time I was told by the teller they made an error and the automatic will definitely become effective and the money would be taken out on XXXX/XXXX/16. I then get another call from Wellsfargo in XXXX that my account is now TWO months past due. So I went up to the Wellsfaro on XXXX on XXXX/XXXX/16 again to express my frustration and I then paid a total of {$530.00} to bring my account up to balance. I spoke to a manager who expressed to me he would get to the bottom of it. Then on XXXX/XXXX/16 they came to repo my car and come to find out the bank teller applied my {$530.00} to the wrong account ( my personal Wellsfargo loan instead of my automobile loan ). So once they figured out the mistake they made they did not take my car. Then on XXXX/XXXX/16 {$200.00} was a automatic payment taken out and again posted to the wrong account. My Wellsfargo account for the month of XXXX, XXXX and I believe XXXX are listed as delinquent as per the credit union. So I have been trying to get Wellsfargo to contact the Credit Bureau because it was their fault my accounts became delinquent and I have been going back and fourth with them since XXXX and no one has yet to rectify this situation for me. I was finally able to reach someone higher up by the name of XXXX XXXX ( not sure of the spelling of his last name ) at dealer services in XXXX who initially seemed like he was going to help us but after calling his phone ( XXXX ) for a week straight and leaving a voicemail every day with no response I feel like I am being ignored again! All I want is the delinquency to be taken off my account so I can move forward and begin my home buying process. This is extremely unfair that I am being penalized for something that was Wellsfargo fault and the fact that no one is trying to help me is unacceptable! Someone at Wellsfargo needs to be held accountable for what they did to my account.
XXXX is trying to make me pay for a service I did not have. I Canceled my service with XXXX XXXX XXXX on The morning of XXXX XXXX, 2015 then turned my equipment in which was XXXX box and XXXX remote the following Friday which was XXXX of XXXX. I canceled my service with XXXX because on XXXX XXXX of 2015 XXXX XXXX XXXX came and installed XXXX and Internet, so at this point I know longer needed service from XXXX XXXX XXXX that is why I canceled Friday morning XXXX XXXX, 2015. Two weeks after this I received a bill from XXXX XXXX XXXX for {$41.00}, claiming it was for service from XXXX XXXX to XXXX XXXX of 2015, but I did not have service from XXXX XXXX XXXX on those dates, I owe them no money. I then called them and spoke to a supervisor talked about the situation and they said the charges would be dropped. About two weeks after that I received a letter from a credit agency claiming that I owed XXXX the {$41.00} plus interest which now they claimed was {$58.00}. This agency was called " XXXX XXXX XXXX '' I contacted them and also sent a letter 100 % disputing the validity of their attempted collection, I explained to them what happened & about 10 days later I received a letter back from them stating they were dropping the attemped collection after reviewing my information that I had given to them. so after speaking to XXXX XXXX XXXX and then dealing with this credit management collection agency I thought everything had been dropped. unfortunately I was wrong it 's been almost a year later and now I and being harassed by another credit collection company called " IC System ", they are claiming the same thing the first credit card company stated, so I contacted them and also sent them a letter and paperwork 100 % disputing the validity of their notice. now they are claiming they never received a letter from me so today I 'm sending them off another letter, very frustrating this 'll be the second one I sent to them. At this point I 've called them and sent a letter disputing the validity of their notice and they will still not quit calling and harassing me, Now they 're saying if They do n't get the letter to them in time they 're going to report me to the big credit agencies. Report me for what, I have done nothing wrong I owe no money & this notice is completely bogus. please help me resolve this issue ... ... I have excellent credit and they are trying to ruin it, they are creating a lot of extra XXXX in my life and XXXX
This account was opened fraudulently. I have tried to fix this problem with XXXX XXXX, XXXX XXXX, as well as the credit reporting agencies with no success.
SITUATION On XXXX XXXX, 2017 in response to the XXXX breach, I went online to the TransUnion website to initiate a security freeze on my account. I had to submit confidential information including my social security number, credit card information, and pay {$10.00} for the request. 

COMPLICATION After providing all the information requested including my {$10.00} fee, I was notified online at the end of the transaction that it did not go through, that the information I provided was not correct. 

HOWEVER, when I contacted my bank they said that TransUnion immediately deducted the {$10.00} from my account. I received no indication by email that the transaction went through, in fact I was told it failed. 

I tried calling customer service and several other XXXX numbers listed by TransUnion only to discover that the phone numbers were not in service, even though a voice comes on saying Welcome to TransUnion. Then it goes into this mode : The number you have reached is not a working number.. Bottom, line : after 3 days of trying to contact TransUnion by phone, I have given up and filed this complaint.
I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  COUNTY RECORDER DATE FILED   XX/XX/XXXX   : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED   XX/XX/XXXX : Un verified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.
I left for basic training and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/XXXX Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
In XXXX of 2014 I took out a loan with Capital One Auto Financial in the amount of {$28000.00} for an auto loan. I came into XXXX XXXX to purchase a vehicle because I had gotten several pieces of mail saying I was pre approved for a loan up to {$30000.00} from Capital one. I am a XXXX and had a fico score of XXXX at that time. The interest rate I was given was 21.74 % and the dealer told me that i had to purchase a warranty for {$2200.00} to qualify although I was presented with a paper to sign saying that I did not. Along the term of this loan I have had two instances where i was approved for due date changes that I did not receive and cause me to have late payments on my credit history. Also I was told over the phone that I was approved for an extension and did not receive that either and caused my payments to pile up. I feel that here it is three years later and I still owe {$23000.00} of the initial {$28000.00} I have borrowed with almost three years of payments of {$710.00} and still have three more years to go. This loan was predatory and I feel that I was taken advantage of. I could not refinance because I 'm so upside down and have no hopes of trading it in either. Now I 'm behind in payments and I am just at my wit 's end and really need your help. Thank You.
I have disputed wrong information on my experian credit report I keep getting emails the results are ready to view I put in the report number XXXX ( 1 ) I answered for my social security number dob and tried to view the results this is not the first time this has happened. I ca n't review the results from the investigation I keep getting a message that they ca n't allow me to view the results of the investigation and I need to call the XXXX number they provide. Like I mentioned earlier this is not the first time this has happened. How am I suppose to find out what the outcome is when they wo n't allow me to view I feel games are being played here because I have sought legal advise to this existing problem
Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX account included in bankruptcy reported on Experian Chapter XXXX bankruptcy filing on Experian, XXXX  and XXXX
Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution )
Midwest Recovery has put a collection on my credit reports for a debt that I do not owe. I paid the loan off many years ago. Midwest Recovery called me XXXX time and I requested they send me proof of the debt, I did not hear any thing else. So now they have put a collection on all XXXX of my credit reports for {$2300.00} I did not even borrow close to that amount.
like most Americans should be, I find it disturbing that the following companies will let a political agenda Drive the business that they conduct often at the taxpayers expense. I have to agree with Sen. XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs. On XX/XX/XXXX, XXXX sent letters to the CEOs of both BofA and XXXX  demanding answers about their recent anti-gun activity. It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor.

It's bad enough that our politicians have become social justice warriors trying to move the direction of the country based on their agendas rather than what is best for the country or rather than facing their governance on the Constitution.

I sincerely hope that you find this as troubling as I do
I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.
We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. 
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.
A security system sales person with XXXX XXXX XXXX out of Utah came to my house to sell me a security system on XXXX/XXXX/2015. He inquired of my date of birth, full name and my husband 's full name. I refused to disclose my birth date and I did not give him my husband 's first name. He then said that he had to verify that I was a homeowner and without my knowledge or consent, made an inquiry on my Trans Union credit report using only my name and address information. I also had not made a decision about purchasing the system from his company and will now not be doing so because he did not receive my permission to do an inquiry on my credit. I discovered this inquiry from XXXX XXXX XXXX ( XXXX ) by email when XXXX XXXX sent me a notification that a hard inquiry had been made on my credit report. I feel that the sales person, has been dishonest with me concerning his intentions to sell me a security system by pulling my credit without my consent or knowledge.
On XXXX XXXX, 2017 I paid XXXX XXXX credit card company the amount of {$500.00}, which is the total of what I owed. The XXXX XXXX XXXX I received a bill from XXXX XXXX stating that I owed them. Which I knew could not have been true because I had just paid my owed debt out leaving a {$0.00} balance on my account. I have been a XXXX XXXX  card holder for about 4yrs. always paid my bill on time except twice. I 've paid over the amount asked. I have not have any problems with XXXX XXXX until now. When I called to find out the problem they told me that I owed XXXX, which as I told the lady that could not be so as I have n't order anything from XXXX. The lady called XXXX and let me speak to them this was cleared up with XXXX and they said they would make the adjustments, I received a e mail from XXXX  stating that the mistake had been corrected. I still received notices from XXXX XXXX that I owed money, by this time I am irate with them because I made it my business to paid XXXX XXXX and a couple of other bills completely out that my credit would be up to part. Now XXXX XXXX said I owe a member ship fee and from my statement I paid that it was covered by the XXXX paid them. This is wrecking my credit which I am trying to make right. I called XXXX XXXX again stating that I wanted them to close the account because I did n't owe them and the late charges were outrageous. The gentleman said that he had closed the account yet XXXX XXXX XXXXontinues to send me notices and bills, threatening me with not being able to use the card I canceled if I do n't paid. Please can this matter be straighten out.