WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I refinance a personal loan with cash security in XXXX Oklahoma on XX/XX/XXXX I dropped off the check before opening for my payment. A 10-day grace period is given by the company before a late fee is charged and this is the first time in the 10 loans I've had with them that I have been close to being late. On Wednesday I noticed that the check hadn't cleared my bank and contacted my bank and they let me know that the funds had been taken out on Tuesday for another bill and that that check was going to be returned so I had my father go in and make the payment that Wednesday the company got the check returned Thursday XX/XX/XXXX and the system gave me both a late fee and a returned check fee I asked the lady if there was anything I could do to get the late fee removed since I had never had one and had been a good customer for several years .she said there wasn't anything they could do. I made my principal payment of XXXX on time in XX/XX/XXXX plus another {$3.00} towards the late fee I asked the lady if I could carry it over until the next month and that I would take care of the rest of the late fee then and she assured me that that would be fine a week later I got a call from the lady at cash security asking when I'd be able to take care of the rest of the {$40.00} that is due and I told her that I planned on taking care of it when I made my payment in XX/XX/XXXX she said okay but yet then again a few days later I got another call from the lady at cash security just to let me know that the {$40.00} had went up to {$60.00} I asked her what happened and she didn't know so we had to get ahold of the Regional manager that explain to me that their system didn't put my payment towards the principal. It had first taken care of the late fees so I got another late fee because of the principle that was left die. No one told me that's how their system worked. It isnt stated in the contract and no one informed me that I would receive another late fee on my late fee. I got a hold of the regional manager again and try to get the mailing address for the main office that I told was in XXXX XXXX but they never would return my calls. I have been a very good customer for them for a long time now and it bothers me to think that they're doing this to other people. they had several opportunities to inform me that I would receive a late fee and that my principal wasn't taken care of when I made my principal payment. In my opinion this practice of theirs is extremely unethical. On top of the confusion and the Shady practices I've been receiving letters saying they don't know why I'm behind and text messages from this company although I've asked them not to text me and had set up a payment for XX/XX/XXXX already
Paypal Client disputed past payments for apartment after falling behind. Provided Paypal with evidence but closed the case because of lack of shipping info Client disputed all past transactions after they fell 2 months behind and we requested possession of the unit. The client claims that they never received the product or service, but continued making payments over time, and still are occupying the space. We provided Paypal a copy of the clients ID at time of checkin with the keys, the guests invoice, the initial reservation they made, the dispossession we filed against the client all based on what Paypals representatives keep telling us we needed to provide. Even after provide everything that was asked for Paypal wont return the money to our accounts, leaving us with a negative balance. This is preventing use from operating our business. The last communication with Paypal the supervisor said they wont look into it any further. Evidence has all been attached to the complaint.
Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you.
On Fed XXXX, XXXX I received a call from XXXX. My boyfriend answered the phone and the man on the line wanted to speak with me. I was unavailable so I called back the next day on XXXX XXXX, XXXX and a lady named XXXX answered. I could n't understand what company she was working for and asked her what this is about. She did n't ask me for any information & I figured she pulled up my info based off of my caller ID. She said it was about XXXX XXXX XXXX XXXX XXXX debit. I told her I did n't know what she was talking about since I paid off XXXX garnishments last year & my credit score has only been increasing since then. I asked her when the last payment was and XXXX said XXXX XXXX. When I checked my credit report, my last payment to XXXX XXXX Bank was actually XXXX XXXX. Not sure why she told me the incorrect information but it started to feel fishy ... .something did n't seem right, a bit like a scam. She never asked me to verify who I was other than I told her my name at the start of the call but she never verified my birthday, Social Security #, address, etc. She never told me " this was an attempt to collect a debt. Any info obtained will be used for that purpose '', nor did she advise if the calls are monitored or recorded. She told me I owe {$1600.00} plus {$5000.00} fine & court cost or I could go to jail for 5-7 years. She caught me off guard & I got upset, XXXX XXXX XXXX. I asked about a settlement & she put me on hold to speak with an attorney about my case. I was on my lunch break and could n't remain on hold any longer and just hung up. She called back 2 other times that day & left me a message saying to call them back otherwise they will have to move forward. I never called back because I could n't trace back their callback numbers to any law firm. This seems like a scam. It has been 2 weeks and I have not received any validation of the debt. XXXX left me a last voicemail on XXXX XXXX, XXXX saying the attorney is moving forward & I will be summoned for court & she even said my current address on my voicemail. Kind of creepy since I 've never verified any of my information with this lady/company and I 'm not sure how she knew my personal information. I 've lost sleep over this issue lately and have had some stress issues too. I do n't want to go to jail and have never been threatened like this before. I thought according to the F.D.C.P.A. that they ( bill collectors ) had to go by customer service now and not bullying someone. 
Here are the phone numbers for this " attorney 's office '' -- yet I can not find any exact listing on the internet. Why would n't a law firm 's phone number trace back to them when I try to find out who they are specifically? 
XXXX XXXX XXXX ext XXXX ( this # comes up as a fax machine # for XXXX XXXX in XXXX XXXX , FL XXXX XXXX XXXX Thank you for your review and help with this matter.
I did an online application for a  XXXX  vehicle lease in  XXXX    XXXX  . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.
XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account. 
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.
Credit limit is {$5500.00}. 3 years ago I went to {$5500.00}. So {$85.00} over and they slam my credit within 2 weeks. I hastily pay it in full and it will not come off my credit. I opened a dispute and called XXXX XXXX. I cant even rent a house because of this issue! Not professional.
XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XX/XX/XXXX-XX/XX/XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.
I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.
Received notice from I.Q. Data International pertaining to a debt that is inaccurate and charging interest, not agreed upon. Per 808. Unfair practices of the Fair Debt Collections Practice Act, under section 1 it is against the code for, the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
We have had a Home Equity Line of Credit ( HELOC ) in good standing with First Tennessee Bank since XXXX. We just received a notice from them stating that " The draw period for our HELOC ends on XXXX XXXX, XXXX. '' After calling them, we were told the HELOC is being discontinued because of their rule change - nothing we did or agreed to ever mentioned an end to the draw period. We now have to find another HELOC, including a full income verification process, past 2 years of documents, etc. This is a very cumbersome process at a time when one of us in unemployed, and the market has devalued so we are not likely to get a similar value on a new line of credit. We are not big fans of the process to get a home loan, and that is what we are being forced to do through no fault of our own.
I've just placed a complaint with the CFPB and the company stated they fixed my issue and it's still NOT fixed. Complaint # XXXX from XX/XX/XXXX. I just sent a complaint that the deceptive payment system will not correctly applying my payments. They replied that they fixed the issue causing this. We'll they haven't I just applied my XX/XX/XXXX payment and once again it's not fixed now it's completely applying my entire payment straight to all principal only. It should be paying my XXXX to XX/XX/XXXX regular payment and the XXXX to principal. This company is nothing but headaches and deception. How is this even legal? I need my issue fixed to apply as it should my regular payment and the extra to principal it's not rocket science we're in XX/XX/XXXX!
On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.
A dispute was filed for charges including two XXXX transactions on XX/XX/XXXX,  amounts of XXXX and XXXX. Additional charges from another merchant, XXXX of XXXX XXXX, were resolved directly, without any help from American Express as they denied claim for all charges. Items from XXXX remain unresolved, I've spoken with numerous XXXX reps, was advised to dispute charge with American Express and that they have not received any charge back or thereof from them. It appears American Express had done nothing at all to dispute any of the charges, just flat out denied the claim without investigating. I believe they merely verified billing address with merchant ( s )  and considers that enough to deny claim, which is unfortunate as they will continue to receive complaints until credit is issued. XXXX will not reimburse/refund charges, they refer me back to American Express. As you can see, the two banks have me bouncing back and forth, neither party has provided any proof these charges were authorized, which they were not. XXXX XXXX XXXX replies on behalf of American Express, this person has never shown any evidence whatsoever that XXXX transactions were authorized by myself or that I received anything from the merchant.
XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.
Hello, I 've had a XXXX XXXX XXXX loan in default for a few years. I was never contacted about this specific loan ( all of my other loans are in good standing since they stayed in close contact with me ). I had successfully defered my other loans since I 've been abroad and unemployed, but somehow I never once heard about this XXXX loan until I applied for financial aid again to finish my last year of school and was rejected. So I contacted the collection agency that my loan was sent to : Delta Management Associates. I tried to set up a rehabilitation program but they only withdrew money from my account once. After around two months, I was asked for the same documents again without any explanation ( and I sent them without ever hearing from them again XXXX and then no more payments were ever taken from my account and they never contacted me again. I 've emailed the manager and XXXX employees there several time to ask what happened ( I have proof of these emails and it 's how they corresponded with me before because I am abroad ) and I have n't been able to get in touch with anyone there. I asked several times to send it back to the original lender so I could pay it off IN FULL without he collection agency 's very high interest rates ( I can afford to pay the loan but not the interest they tacked on ) or I asked for the loan rehabilitation to continue and asked why it stopped. In total, I 've sent about XXXX emails without zero response and I tried contacting default resolution at XXXX but was given different phone numbers and sent in circles. It seems no one is willing to help me. 

I have been trying to go back to school to finish my last year since XXXX 2014, but it 's impossible to get financial aid without this issue resolved. I 'm very desperate to complete school and I would like to go to grad school abroad. I ca n't get a hold of the collection agency Delta Management and they have not bothered to respond to me once. I 've asked XXXX for their advice and they said to lodge complaint and see if I can get the loan sent to the original lender or different agency to pay off immediately ( as long as I do n't have to pay high rates for agency 's fee since they are about an additional {$1000.00} ). They said it was also possible that the loan already went to another agency. So I tried to track it and was told to contact XXXX XXXX XXXX XXXX in XXXX as the XXXX XXXX. So I tried to look up their information to find out that they are permanently closed. 

Besides this, I was never once contacted about this loan for years until it was too late. I found other students that attended XXXX XXXX XXXX who had this same exact problem with this same exact loan ( zero contact and then defaulted ). So I am obviously very concerned about this and do n't know what my next step should be. I was thinking of getting a lawyer but I thought that could prove to be difficult as I am abroad and if it would really be worth it in the end. I 'm just looking for better solutions.
this is the fourth complaint about this company they sent us a letter stating they sent our information to wrong adress now they want us to get identity theft protection it is bad enough they are runing our credit now our safety. something must be done to protect us from all these fraudulent things they are doing i am trying to get a lawyer to help us. this is consumer protection please help us stop all the harm that is being done to us we are senior
Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.
XX/XX/2005 I applied to XXXX for a training program. Within 2 days I contacted the school to let them know that I had decided not to take there course. The school did not cancel my application and a few weeks later I started recieving billing statements in the mail from the lender for the loan of {$7400.00}. At that time I was young and not very educated, so I started making payments. I have been paying on average {$80.00} dollars a month for 13 years on a loan that I did not recieve services for. As of now I have paid {$12000.00} and still have a balance of {$3000.00}. I called the lender that I am making payments to and they said there is nothing that they can do because it is a private loan and XXXX has since closed. Please let me know if there is anything that can be done. Thanks
In XX/XX/XXXX XX/XX/XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from Midland Credit Management. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love XXXX out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by midland credit management business practices says it 's verified, but no evidence was ever or has ever been given. LOVE XXXX CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law.
Having issued with the  XXXX  credit bureau 's.  XXXX  place a Fraud Alert on my credit account. I contacted   XXXX   via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted Experian and  XXXX , was it would be removed by the end of the business day. Around the beginning of  XXXX  I contacted   XXXX   again requesting the removal, I was giving a case number of  XXXX  and a conformation number of  XXXX  stated from them that the Fraud removal was done. I contacted the other   XXXX    agencies requesting the same, I was told by  XXXX  agencies that they could not remove the alert until  XXXX  remove it. Contacted   XXXX    again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no.  XXXX . also mailed in a request on   XXXX   XXXX  ,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from Experian and  XXXX  stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told   XXXX    and a third party requested  XXXX / XXXX /17 and  XXXX / XXXX /17