WillisBack/dataset-financial-user-claim huggingface dataset:
Originally obtained a loan in the amount of {$5200.00}. I had every intention of paying it off within a month. Of course things occurred & that didn't happen. At the time of applying for the loan I was told it would be at 5 % interest. Silly me, was in a hurry & they were rushing me to lock in this rate. Well, I unfortunately was misled & clearly didn't understand/ read the loan documentation or contract. Because, as I've consistently made on time payments of {$130.00} bi-weekly since XX/XX/2017. And, for some odd reason I've only paid down my loan to {$4900.00} So, now being a single Mom to a XXXX child who receives Absolutely No Government assistance at all due to my salary. I start to wonder to myself gee {$130.00} Bi-Weekly 21 payments that's {$2900.00} and I've only knocked off {$220.00} off the loan? Now, figuring this is absolutely insane & finding out I am being charged 64.75 % interest?? I thought a credit card company charging 20 % - 28 % interest was ridiculous. But, a loan company being able to charge up to 100 % interest should be absolutely illegal. And, I am trying my hardest to find a way to pay off this loan ASAP. I REALIZE This most likely will do no good. But, I've requested a payoff from this company & I was told there's no pre-payment penalty from the very beginning. If they try & charge me any more than I currently owe, I will fight this & will take action with the State of Missouri for them being even allowed to operate & prey on people. No loan should ever be over 30 %. I make good money, had decent credit at the time of this loan & was given a 64.75 % APR??? This just floors me, that the Government would even allow this to be allowed! No wonder why people are in debt, can't afford to live on a decent income, & will always be in debt because of companies like this!
Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.
Hello, My mortgage was transferred from XXXX to NationStar as of XXXX/XXXX/16. I been trying to get NationStar to begin reporting my mortgage account and payments to the Credit Reporting Bureaus. I have provided the signed re-affirmation order from the Court to Nationstar on numerous occasions. I have been told by NationStar Customer Representative that NationStar is reporting my mortgage. But this is not correct. Today, I just got the phone with NationStar Customer Representative. NationStar Customer Representative ask to provide proof that NationStar is not reporting. I have send credit report dated XXXX/XXXX/16 to NationStar. Furthermore, XXXX has removed my Mortgage information and payments from my Credit File resulting in a XXXX point drop in my credit score.
The bank has charged to many overdraft fees. I've tried to get it refunded but haven't been able to get them to.
Experian continues to report 4 collection account that do not belong to me & refuses to further investigate the disputes. Since these accounts do not belong to me & are damaging my credit due to Experian negligence & must be deleted from my report immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX
I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. 10 different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ), XX/XX/XXXX XX/XX/XXXX ( again 2 in one day ) and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Indirect XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.com XX/XX/XXXX
Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report. 
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time. 
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.
Stearns Lending, through a loan processor, provided a pre-approval letter for {$330000.00} prior to reviewing bank statements, which showed a new debt. As a XXXX time homebuyer, we thought it would show up automatically on our credit report. We believe that it was the role of the loan processor and underwriter to review requested documents prior to providing a pre-approval letter, which should have been factored in. After receiving the pre-approval letter, we began to search for homes. We found a home and went into escrow, which we had to pay {$300.00} for an inspection. Once the inspection was completed, the loan processor requested payment for the appraisal, which was deducted from my husband 's credit card for the amount of {$520.00}. A day after this request, the loan processor contacts me to alert me of the new debt that was not detected a month prior to escrow, which caused our loan not to be approved. Also, in the meantime, we did not receive the overview of the appraisal that was paid in full. Because of the incompetence of the lender, loan officer, and underwriter, we decided to cancel escrow. The loan officer sent us an email stating he will accommodate us for the upfront fees paid. During this process, the lender states that we are responsible for the appraisal and the only way we can receive a credit for the appraisal is if we continue with another transaction to where we were pre-approved on a revised amount for {$240000.00}. We declined, but the lender reiterated this is the only way we will receive our appraisal funds paid. But mind you, we never received the appraisal information because of this situation of the new debt found. We do have supporting documents through email, the pre-approval letter, and the receipt of what was charged for the appraisal from my husband 's credit card. We believe if the new debt was caught in the beginning prior to the pre-approval letter, we would not have paid the upfront fees to move forward with a home purchase that we did not qualify. Overall, they did not take accountability for their actions, and we lost {$820.00} which we would like refunded for the misleading information. We can also forward you the emails to prove they are authentic.
I am an unhappy member as well as investor of Coinbase.com. 
I was being scammed out of a {$17.00} charge. Since all my other transfers were free or cost a matter of cents, I thought that I was reading the transfer incorrectly. Suddenly the charge by a Miner ( which I had no idea even took place, as there is nothing about Miner Assisted Transfer Charges  disclosed on Coinbase main site ). I thought I am being scammed!, what do I do?. Frantically I searched the site, and found that I could only temporary block my account, this was the only recourse. Well, the charge went through, I was blocked out of my own account with Coinbase. After sending many, many, many emails, just coming up past 1 month now, I am still barred. 

I have sent direct emails, however soon after, the emails were not received, even a message saying customer service would not respond? I was kind, then a little mad, then back to being kind, in my communication. Nothing! Not a robot, nor human has made effort to contact me. I watched the recent purchase of funds actually go through my linked bank account, weeks later, after I issued a buy. It felt powerless, to see them take funds, that I had agreed on. I felt gullible, and am still unable to validate as to whether the funds are where they are proported to be [ in my wallet on the Coinbase Site ]. 

There was roughly {$550.00} USD. I had earned a little money in fact, at the time. I was planning on transferring when I had earned, prior to any dip. I actually foresaw the impending crash, just watching the news, and seeing other crypto currency wars taking place. I studied the markets for a good few weeks, prior to investing. I awaiting authentication, patiently. The process of ID validation took around a month. 

I had access to the account for less than two weeks. I lost money now, if the funds are even still there in Coinbase.com? My $ 500-550 is now down to 400 or less. The market did rebound. I woul like to transfer my funds out of Coinbase. I still have faith in crypto as a future investment, however the restrictions with trades make it hard to actually make a profit. I have now taken the long term approach to this short term volitilte process against my own better judgement or choice. 

I did not realize that this type of manipulation of the markets was indeed taking place.
I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX  and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
My wife and I needed a vehicle but due to our financial situation we had to get our loan through Regional Acceptance Corp based at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a subsidiary of BB & T banks. We paid the amount of the loan {$440.00} every month, but due to other financial situation we ended up having to declare bankruptcy. We decided to keep the vehicle as the asset we could retain, in lieu of the house, as per the bankruptcy proceedings. Our lawyer stated that we could delay payments on the vehicle, But I Repeat, we did not delay or defer any payments to XXXX XXXX prior to, during or after the bankruptcy proceedings. XXXX XXXX however locked us out of our account on the internet and informed us that we now had to send the payment to XXXX Bankruptcy Dept. XXXX XXXX XXXX XXXX XXXX XXXX which we did each and every month. We have not received a statement from XXXX XXXX XXXX for over 48 + months. We have sent to them along with our payment check our new address and our new phone numbers when we moved from XXXX to XXXX, but we still have n't received a statement. We inquired about this several times and still received no answer about this, we did receive a phone call from a person named " XXXX '' from their bankruptcy dept. that we could not refinace the vehicle loan but that our payment would not have any late fees attached if they received the payment at or before the XXXX of each month. 
Our loan was for six years and should have ended in either XX/XX/XXXX or XX/XX/2016. It is now XX/XX/XXXX, we have not received the title to the vehicle or a statement. 
Are we suppose to pay for this vehicle for eternity or what?
Collections agency Diversified Consultants , Inc. continues to pursue me for a debt of {$100.00}, including collections fees, on behalf of creditor XXXX XXXX for cellular telephone service. 

I have repeatedly notified Diversified Consultants, Inc. and XXXX XXXX that this debt is not valid. 

No cellular telephone service was provided and no mobile/cellular device was connected to the cellular exchange provisioned by XXXX XXXX during the period for which XXXX is attempting to bill/collect. 

Furthermore, I was not in any type of long term contract with XXXX XXXX that would have obligated me to pay even if no service was provided or to pay an early termination fee. 

The attached bill from XXXX XXXX clearly demonstrates that no service was provided. 

In 2015, I lost my cellular telephone and reported this immediately to XXXX XXXX. No other party ever used the lost telephone. 

XXXX XXXX refused to provide me with another cellular telephone unless I paid an an exorbitant amount up front and then proceeded lock me out of my cellular telephone account with an erroneous " fraud alert. '' When I complained to XXXX XXXX Executive Relations about this matter, XXXX XXXX proceeded to " suspend '' my account on XX/XX/2015 and then reactivate my account on XX/XX/2015. 

XXXX XXXX is attempting to collect on a bill for a service that was never provided. My repeated complaints to XXXX XXXX Executive Relations have not resulted in XXXX XXXX making any good faith effort to resolve this matter. 

Negative comments regarding this debt have been made to consumer reporting agencies. These negative comments appear on my reports with XXXX, XXXX, XXXX and the XXXX XXXX XXXX and XXXX XXXX.
We closed on our Minnesota home cash out refinance mortgage with USAA on XXXX XXXX. It was a reschedule from XXXX XXXX, so we ended up having to wait an extra day for the rescission period to end over the weekend for disbursement on XXXX XXXX. Well it is now the XXXX and the money has not been wired to our bank, nor has the original loan been paid off. 
The disclosure statement, which we did n't receive until the morning of XX/XX/XXXX, when I demanded it, had an additional 7 days ( from disbursement date ) of interest to the previous lender built into it. Then yesterday on XX/XX/XXXX they tell us we have to sign an updated disclosure ( which I have attached ) because they have to account for the extra fee to extend the lock which they were paying for. I have been asking for our funds since Tuesday and was told yesterday by our processor that the new signatures would not hold up the disbursement. Ok, then where is our money?? Can they really just keep holding our money and making us pay interest on all of it while they take their time in disbursing. Do n't let me get started on the rest of this horrible process. Worst refi I have ever been involved in!
My husband and I purchased a used a VA loan for a purchase and closed escrow on XXXX XXXX, 2015. We have received countless letters stating we are eligible for a VA IRRRL loan. At first, I threw a few letters away, but after the fourth or fifth, I called a family member, who happens to be our lender. I know what happens to the original lender when someone refinances within six months of a purchase or a refinance. I now have XXXX letters that I 've kept, describing the VA IRRRL loan. One of the larger lenders has sent one twice, the dates on each notice only being seven days apart. 

I can not believe how shady these companies are, especially targeting XXXX XXXX service members and veterans. I feel bad for people who have been deceived and swindled by dishonest lenders, trying to make a quick buck, and therefore, costing the original lender thousands of dollars.
I was told that forbearance would stop my interest from accruing, which Navient told me upon setting up forbearance, in return my loans have gone up thousands of dollars since I have entered forbearance as well as deferment. No one ever discussed options for repayment including IBR. I am getting no where with Navient except threats that now I will be forced in default is I can not make the required {$500.00} payments and I am currently unemployed to boot. I am considering bankruptcy at this point my loans are {$49000.00} for an XXXX.
I originally submitted a claim Case number : XXXX requesting that the credit reporting agency XXXX remove an item on my credit report that the original creditor XXXX ( XXXX ) had resolved as not being my account nor responsibility. In the response XXXX stated that the collection agency LJ Ross Associates states that the debt is valid, whcih is contrary to the information from the creditor in letter dated XXXX XXXX, 2014 which is attached. As the creditor states this is not my responsibility the collection agency can not continue to keep this item on my credit report thereby negatively impacting my credit score.
I have submitted to Transuion numerous times an collection account that is not mine that is reporting to my credit report and it keeps coming back verified. I am beyond frustrated at this point.
After First Merit Bank branch manger XXXX XXXX learned that I and my wife had filed complaints against the bank, and after he ignored my attempts to contact him about the Bank 's FRAUD & PHYSICAL THREAT, XXXX called me to say that the bank decided to close out my checking and savings accounts. This is RETALIATION. This will now cause me great harm, as I have several bills automatically due and scheduled. This will cause me late fees and damage my credit score. Also, the bank is causing checks to bounce. Such RETALIATION by the bank is totally against the public interest. In light of this, I requested that the bank keep my accounts open for 30 days to allow me to rearrange my bill payments. XXXX ARROGANTLY refused.
Loan officer requested signature loan and prelim came back with 150 day late pay. To my knowledge my payments have never been late, even with prior hardship I made arrangements and have paid the correct amount, on time, since inception.
I called Alco Collections and asked about the negative item on my credit report and told them I never was notified. He said I was and hung the phone up. I call back to ask him to send and he never did.
I have disputed several times and Equifax keep saying verified. I have contacted Th Court and said it was an computer error. Also see attached letter stating they did not verify with credit reporting agency, they removed and keep putting back on report
I am an attorney in Maryland representing XXXX XXXX XXXX and XXXX XXXX relative to their primary residence located at XXXX XXXX. in XXXX XXXX, XXXX. On their behalf, my firm has been endeavoring to obtain a loan modification from their lender, Carrington Mortage, for the XXXX since XX/XX/XXXX. Unfortunately for the XXXX they have been thwarted or denied for said loan mod. not for anything on the merits relative to their financial wherewithal, but rather due to " incomplete packages '' which is frankly plain not truthful. What is occurring is that they keep asking for " new '' paystubs for XXXX XXXX after they take so long to review the overall package that the paystubs ( which do n't actually change ) go stale. It is, simply put, Carrington 's inefficiency that causes the paystubs to go stale, and they in turn determine that the package is then incomplete. The lender 's lawyers, XXXX XXXX XXXX, XXXX XXXX, are not willing to do anything about this clear strategy of denying my clients without actually reviewing their package. All this from a lender who took TARP money knowingly and willingly. THERE IS NOW A SALE SET FOR XX/XX/XXXX which they are not willing to cancel. Hence, this complaint.
I moved from an apartment and was told I owed money on a carpet clean. This was sent to collections to a company called IQ Data. They called me, and asked how much could i pay. I told them i dont have any money to pay it. They asked for a card to keep interest from going on the account so i gave them my credit card and told them to call me on friday ( this started on a Monday ) to see if i have the money for it. I spoke to a woman. On Wednesday my phone kept ringing at work so i answered it, I told the guy I told the woman I was gon na have them call on friday to see if? I had the money to pay the {$50.00} they wanted to do. I told him I didnt have the money for it. He kept calling me all that day and thursday and left me a voice mail message on thursday saying I refused to pay. I woke up on that friday and went to a gas station on my way to work to only find my credit card was charged {$50.00}. I called the company and spoke to a manager. He refused to give me my money back claiming I authorized the charge. This I did not do i would not do so if i am not sure if i can pay it. The manager spoke to me very disrespectfully. I called my credit card company and disputed the charge. They were suppose to provide this proof they claim within 15 calender days and according to my credit card company they did not. Today is XX/XX/2017 and I was called again from the IQ Data company stating they tried to run my card again and it was declined I told him I never said they could! I called again soon as I arrived earlier at work and spoke to their manager again, only this time he spoke awful to me. Saying I charged back the card and I got my money back claiming hes going to take it to " the next level '' and refuses to tell me what he meant by saying that. I also requested this proof of my authorization he claimed I did from the previous charge and he said " I can give it to you, but, I wont ''. I told him legally I should be entitled to this and he kept saying what he said to me speaking to me in a manor as if he was talking down to me. He was extremely disrespectful to me. Threatening me with legal action because I did a charge back on a charge to my credit card I do not ever recall doing so and refusing to provide the poof to me. I have never been talked to before by a company specially a manager like IQ Data. I got off the phone XXXX. I have never been threaten or talked to like that before.