WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a motorcycle and financed it through American credit acceptance. I just recently got my transaction history from them and have made {$1400.00} worth of payments only to find out that 70 % of my payments have gone to interest only. this is NOT what I signed up for a 70 % plus interest loan. this loan needs to be re-done and the amount I have paid in {$1400.00} need to come off the principal balance
I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.
This place evicted me at the balance of XXXX and after that i called to see what ha pendwith my balance how do i pay it and they told me the balance is XXXX and i was out raged after 2 weeks i called back they told me the balance was XXXX now how is that POSSIBLE I LOST MY APARTMENT AT XXXX AND THEY KIP CHARGING ME AFTER AM GONE OF THE APARTMENT THAT 'S JUST IN SANE
I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's XXXX XXXX XXXX, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not XXXX XXXX but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 months ago. According to the FDCPA and state laws National Credit System has 30 days to get that validation to. In addition, National Credit System has never attempted to negotiate the debt. They made no attempts to contact. All communication has been on my part with the exception of a voicemail message rec 'd XXXX/XXXX/2016 from XXXX XXXX while I was holding on the other line. This company has hung up on me several times. They have been argumentative and rude.
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are reporting {$660.00} on my credit file.
I had a Sears CC for over twenty years. There were two late payments reported. One was XX/XX/XXXX and one was XX/XX/XXXX. I have always paid my balances when due. Back in XXXX and XXXX I did not pay online rather I paid my balance when I received a statement and mailed a check as I did not believe in online transactions. I believed my balance XX/XX/XXXX balance was paid in full and postmarked by the due date. I cant find my XX/XX/XXXX bank statement and cancelled check and the bank said they do not keep information that long. The Credit reporting agency did not show me proof that I was notified of my balance or provide me a copy of the post office stamp showing when I mailed my payment to them. I bring up these relevant points as I have on many times received postage for other individuals that did not belong to me or my addresses ( as a good individual I always mark the envelopes as wrong address and return to the post office for proper delivery ). I have also had instances where I mailed information for the holidays and their birthdays to my family members and experienced significant delays in delivery by the post office in the month of XXXX. I do not believe the credit reporting agency is fulfilling their fiduciary duties in performing a review of my account. I light of their lack of the agency not meeting their fiduciary duties in regard to my dispute I would like to file a formal complaint.
I paid off my mortgage on my primary residence in AR last XX/XX/XXXX. The mortgage was originally with XXXX but was taken over by Nationstar in XX/XX/XXXX. When I paid the account off I received nothing from Nationstar to confirm the payoff until I called and asked for confirmation -- XXXX times and 6 weeks before I received a response. I was sent a copy of their filing with XXXX County asking that the Release of Lien be recorded and returned and was told I would get that recorded Release when they got it back. After many tries I never did get the recorded release from them After multiple calls, lies and exchanges of letters I was told they had sent me everything I was entitled to and hat they had investigated and done nothing wrong. I believe this is fraud and can hurt unsuspecting consumers who may rely upon a release only to find out years later when they go to sell that the records do not reflect the release. 
While, after months of dealing with this company to no avail, I was able to pay a lawyer and get the recorded version of the Release, not everyone can do this and I should not have had to. This company was rude, arrogant and negligent at best in NOT fulfilling what it said it would do and what it is required to do and less fortunate people should not have to put up with this type of treatment. Please let this company know that you are watching and will not tolerate what happened here as a routine when dealing with its customers.
Equifax reporting incorrect information. specifically, a negative XXXX XXXX account that is not mine thus impacting my credit score
Amsher Collection services sent me a notice regarding my delinquent XXXX balance offering me a settlement. The settlement is {$32.00} off my balance if I pay before XXXX/XXXX/15. It states that to accept the offer I am to call XXXX. 

When I call this number I am greeting by a message telling me I can leave a message which is then interrupted by another message leading me through a series of prompts which leads me back to the original message creating a loop where I can never leave a message nor speak to a representative. 

I simply want to pay my bill and would like to accept the Amsher 's settlement. However the number they provided does not allow me to do that.
I am contacting the CFPB because I do not know where to turn. Wells Fargo just approved my request for modification under the FHA HAMP program. My income was calculated so much higher then it actually is and all I receive is basic pay stubs. I questioned the dates of pay stubs being used and Wells Fargo advised me they were dated from XXXX and XXXX. This does not make any sense as I have been submitting pay stubs from XXXX up to XX/XX/XXXX. The income calculated off my 5 and 6 month old stubs was {$10000.00}. If my recent 30 days of income was calculated, it would show my average closer to {$6600.00}. This difference would lower my trial payment ( which is higher then my original payment I could not afford ) by {$400.00} a month. This would help me even if I could save a {$100.00} a month rather than the payment increasing. 

I am appealing the calculations and income used in determining my approved FHA trial payment amount : My income with XXXX is much less than what is being calculated as we no longer get any overtime. It was announced companywide in XX/XX/XXXX no more overtime will be granted and or paid out to employees. 
I am paid weekly and please see my last XXXX consecutive pay amounts:XXXX. XXXX {$1700.00}. XXXX {$1600.00} = {$8200.00} divided by XXXX = {$1600.00} x 52 weeks = {$85000.00}. XXXX {$1700.00} divided by 12 months = {$7100.00}. XXXX {$1500.00}. XXXX {$1600.00} ( Unreimbursed Expenses - I am filing for unreimbursed expenses as per my accountant due to the nature of the job and what I pay out of pocket. In XX/XX/XXXX I filed {$5900.00} and in XX/XX/XXXX, I filed {$5700.00}. For XX/XX/XXXX, the amount should be the same as all my expenses are the same XXXX ( I previously misunderstood the question ) So to my understanding, unreimbursed employee expenses are backed out of the monthly income which for the XX/XX/XXXX year was {$5700.00} divided by 12 months = {$470.00} subtracted from {$7100.00} = {$6600.00} which is a tremendous difference from what was calculated in determining my modified payment of {$2400.00} as my payment was calculated at {$10000.00} as per the trial agreement dated XX/XX/XXXX. 
The FHA Hamp guidelines show the basis of the program is to get the new modified payment 31 % of my monthly gross income which if calculated off my recent income and not from XXXX, would make my payment closer to {$2000.00}.
On XX/XX/XXXX it was brought to my attention that XXXX XXXX XXXX XXXX had reported to the credit agencies that I had a account in collection for {$840.00}. The original creditor was XXXX XXXX XXXX, which I have never heard of. I asked for documentation and she immediately sent me an email that basically only stated who the original creditor was and who the current creditor was. While on the call she said her supervisor had authorized her to settle for half that amount. At 1st I thought I should take advantage of the opportunity so I listened to my options. I told the lady I needed the original documents that show what I owe and who I owe. She said she was emailing me the info as we speak. I agreed to settle the debit as long as I could have the info I requested. I set up payment but never received the requested info. I waited 30 minutes and called back asking why I hadn't received it. She said they were waiting on the payment to process but promised I would get it. As I waited I began doing research on XXXX XXXX XXXX as well as midwest recovery systems and XXXX, XXXXXXXX XXXX XXXX. Couldn't even find anything on XXXX XXXX XXXX other than them being involved in payday loan scams. At this point I'm feeling as if I have been a victim of a scam so I keep digging only to realize both XXXX XXXX XXXX XXXX and XXXX. XXXXXXXX XXXX XXXX have negative ratings with the XXXX. I attended to call XXXX XXXX again but didn't get an answer. Nervous that I'm out {$420.00}. which seemed like a bargain earlier, I called my bank to stop payment just to be informed this is a growing issue with them. If I owe someone I am willing to pay my debt but they claim this payday loan happened in XXXX yet I have no knowledge of the company and with all signs pointing to this being a scam I demand proof of what I owe and will not pay a dime until that proof is provided
In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people.
I opened a Citibank checking and savings account in XX/XX/2018 due to a {$400.00} promotional offer. {$15000.00} was deposited for 60 consecutive days as per terms and conditions. It has already been 4 months and bonus money has not been received. Bank automatically closed my checking account and said it was due to zero funds after 90 days. I had kept all deposit money in the savings account and was never informed I would need to keep money in the checking account. As a result of the automatic closure of the checking account, Citibank says I am no longer eligible to receive the bonus. I would like to receive the bonus since I met the original offer requirements ( keep {$15000.00} deposited for 60 consecutive days ).
I have attempted to get TransUnion to remove a XXXX item on my credit report that is erroneous. I never had a XXXX account. This erroneous item prevents me from providing a home for my children and it impedes my employment. The harm is made all the worse because it is easier for a corporation to mistakenly or erroneously place a collection on a consumer 's credit report than it is for a consumer to remove such items. Please have TransUnion remove this false item from my credit report.
I still have the collection sitting in my credit report form XXXX XXXX ( XXXX ) and I paid it on XX/XX/2015
SINCE XXXX XXXX EST XXXX XXXX Rush card customers ca n't access their funds via atm. They ca n't make store/online purchases. Customer service XXXX number no longer works. Website & mobile app is XXXX for current customers to access accounts. Those who can access their account balances are incorrect & direct deposits are n't reflecting in accounts. People are stranded. They ca n't get to work school or health care. They ca n't buy food or prescriptions. They ca n't pay rent or utilities!!! WE NEED HELP!!!
I called USAA to initiate a deposit to my secured credit card account. After spending 15 minutes on hold, I was greeted by a representative who did n't seem to understand my request and said she did n't see any active credit cards. She then stated she could locate the account, but did n't think that I could make such a request. However, she said she would get me to the appropriate department to assist. I was then dropped back into the queue and made to verify my information for a second time. This representative was pleasant, but said she could n't assist with my request due to " system '' reasons. She advised she would get me over to the Executive Office. I was greeted by a representative who asked how he could help me. I restated my request for the 3rd time, and then was hung up on!!! This was a very terrible customer service experience. I 'm trying to rebuild my credit after filing bankruptcy, and a simple request to initiate a deposit to my CD account to increase my credit limit seemed to cause a lot of confusion.
First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this  inaccuracies from my credit file.
After discovering this issue while trying to apply for a new mortgage, I tried the customer service numbers online. Each one was a dead end nobody seemed to know who to talk to about this issue at Wells Fargo. I closed the accounts in person and they do n't tell me that I still owe money?! I ended up going into the branch where I got some actual customer service. The lady worked with me to try and get me to talk with the correct people and actually appeared to be making progress to resolve this while I was sitting in the branch. The best customer service that I ever experienced at Wells Fargo. Before leaving, we submitted a letter to the credit department and they said that within 10 days they would resolve the issue with the credit bureaus. 9 days passed and I checked in to make sure that I could still expect the 10 days that I had been promised for this issue to be resolved. She broke the news to me that the process had n't been started since the paperwork was not transferred properly. At this point, I was up against a deadline and needed resolution immediately. It was going to be another 10 business days before I could even think about it being resolved. I spoke with a manager to see if there was anything else that could be done and spoke with one other department. The final outcome was that Wells Fargo would not admit any fault in not closing my accounts properly, not reporting to me that they believed I was late on payments, and causing my credit score to drop a substantial amount. I believe that going into a bank and talking with a banker to close accounts should be the most foolproof way to properly close accounts. This is not the case with Wells Fargo. In addition to not closing properly, there were not any phone calls made to me explaining the situation ( that they did n't properly close my accounts ) until they had already negatively reported against me. In the end, I 'm going to pay a higher interest rate on a 30 year loan over $ XXXX due to Wells Fargo 's negligence in properly closing accounts and properly contacting me when something was not up to standard on my account.
My identity was stolen and numerous accounts have been opened. I am trying to get a new SSN but this has been quite difficult. Sent Experian an FTC ID Theft report, proof of ID, and police report. They removed all but 4 of the accounts. They claim the furnisher verified my name, SSN, and DOB. This is obviously the information stolen, yet Experian won't remove these accounts. There are also 4 inquiries and several addresses I have never been associated with. I am attaching a new FTC ID Theft Report, Proof of ID, and list of the incorrect information.
I received a letter from portfolio recovery associates stating I owed {$2300.00} to  XXXX   XXXX   XXXX  llc. In that letter I was threatened with being sued and wages garnished. To prevent this I set up a payment plan for {$53.00} per month which I pay and have never missed. I cal led 3-4 times recently to see about a settlement, this company will only settle for a % of the remaining balance not the total balance. I offered {$400.00} to be done with this account and was refused, they offered {$640.00} 40 % remaining balance. I do n't see how this is fair collections practice, most collection agencies will settle for 40-60 % of the  amount but they refuse. I settled another account for about half what i owed, I 've already paid them over half current balance {$1000.00} with a pending payment {$53.00}  XXXX .
I sold my house and closed on my mortgage with Huntington Bank ( XXXX/XXXX/XXXX ). Everything was completed and I have possession of the final mortgage release ( XXXX/XXXX/XXXX ). I received a VERY vague letter from Huntington ( XXXX/XXXX/XXXX ) stating that I was paid {$5600.00} in error and that I need to repay that amount. This letter included no detailed explanation and no due date. From the beginning, there have been many questionable transactions with my mortgage. I checked my payoff amount ( on line ) right before the closing and it was significantly lower than I expected. My balance showed that a large amount had been paid to the principal. When I called to check on that, it mysteriously got corrected with no explanation at all several days later. At closing they had the escrow amount incorrect and had no record that I had paid my taxes/insurance. I had to prove that it had been paid and they sent me a check for that amount after closing. I have spoken to XXXX different representatives from Huntington ( XXXX XXXX and XXXX XXXX ) and have requested each of them to provide documentation regarding this particular transaction. To this date, I have received NO proof of what transpired that has caused them to request this payment from me. I do n't understand how Huntington Bank, a company that 's business is mortgage loans, can have so many issues with my mortgage. Obviously they have problems within their company. I should not be the one that suffers due to their inability to close my mortgage properly. Huntington has been very unprofessional while handling my mortgage and I do n't trust them.
Capital One accessed my XXXX credit report without my consent : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX