WillisBack/dataset-financial-user-claim huggingface dataset:
My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.
ok in 2012 my school in XXXX N C XXXX XXXX was a XXXX week course and they set you up for a loan that you will never pay it off. they charge me 19 % interest i didnt know that until i left the company i worked it was XXXX XXXX XXXX XXXX TN XXXX I WORK THERE ALMOST A YEAR. PAYING THE LOAN FOR XXXX DOLLARS A WEEK IN FOUR YEARS THAT WAS A LIE. NOW BECAUSE OF THIS LOAN IT WAS XXXX DOLLARS TRYING TO PAY IT OF SEEN 2012 3 YRS NOW I ONLY GOT DOWN TO XXXX XXXX AND SOMETHING DOLLARS. IT HAS DESTROY MY LIFE COMPLETELY I LOST MY FAMILY I HAVE A SON WHO IS NOW XXXX YRS OLD I LEFT MY WIFE BECAUSE OF THE FINANCIAL BURDEN CAN PAY IT OFF BECAUSE THE INTEREST IS SO HIGH I AM ALWAYS HAVE A MONTH BEHIND I AM ONLY PAYING THE INTEREST NEVER WILL I CAUGHT UP IN PAYING IT OFF. I AM A MALE XXXX YRS OLD MY HEALTH SITUATION IS VERY POOR I ONLY MAKE LESS THEN XXXX DOLLARS WEEKLY I LIVE ALONE IN A APARTMENT PAYING XXXX XXXX DOLLARS FOR RENT THAT NOT INCLUDING GAS BILL WATER FOOD CABLE CAR INSURANCE TAX ETC ETC ETC I AM ALWAYS POOR BROKE AND NO FOOD TO EAT. MY LIFE IS MISERABLE, I NEED HELP THERE IS NO ONE TO HELP ME PLEASE, TELL ME WHAT SHOULD I DO NEXT. AND THERE ARE. XXXX XXXX AND THERE ARE XXXX OF PEOPLE THAT I KNOW ARE IN WORSE SITUATION THEN MY SELF. THESE SCHOOL ARE DESTROYING PEOPLES LIVES. THE LOAN BANK IS PARAMOUNT CAPITALGROUP XXXX XXXX XXXX PA XXXX THANK YOU.
Received Netspend deceptive mail with read debit card. Says to activate like I signed up for a card. Then says it 's like a checking account with routing number. 

Had to search the internet to find out about this company. 

Fees are ridiculous as well. EVERYTHING you do have a fee. No banks or credit card companies do this, no one would have any money left.
In XX/XX/2016 we started the process for a short sale on our primary residence. This short sale was necessary because I had received an offer for a new position in XXXX California. The current housing prices had not caught up to what we owed on our house and with the cost of the sale, we would be short funds to pay down all of the liens. I submitted for and was approved for a HAFA short sale through XXXX Bank. Under the HAFA guidelines 2nd lienholders ( Washington Federal ) would be guaranteed up to {$12000.00} for the balance of the loan and the remainder would be forgiven by the bank. California legislature passed a law, SB 458, which protected the home owner from being pursued by a lender for the unpaid lien balance. We worked with XXXX and informed him of our circumstances, provided financial documents to show we could not financially make up the difference once the house closed nor would we be legally obligated. XXXX refused to take the {$12000.00} for the payoff of our loan of {$19000.00}. We had a buyer that was qualified and ready to move in, however it was apparent we would need to foreclose because of XXXX denial of the funds approved by the HAFA program. Toward the end of our short sale process the buyers, reluctantly, paid {$5000.00} toward our balance on the Washington Federal loan. This transaction was outside of the title proceedings because under the HAFA guidelines this transaction could not be on the title documents. XXXX again refused to take the {$5000.00} plus the {$12000.00} and forgive the {$2000.00} we had left on our balance. The only way XXXX would release the lien was if we agreed to continue making payments on the remaining {$2000.00} once the sale was final. Other than the document he created and we had to sign, we were not legally obligated to continuing making our payments as per SB 458 and HAFA guidelines. We submitted a copy of the signed document to XXXX Bank and they refused to proceed with the short sale because the letter violated state law ( SB 458 ) and HAFA guidelines. Our realtor received the {$5000.00} from the buyer and took personal money and paid off the Washington Federal balance so the house would not go into foreclosure. We paid her back from our moving expenses proceeds from the HAFA program. XXXX handling of this process were both unethical and unprofessional.
I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.
I received a call on my work cell phone at XXXX on XXXX/XXXX/16 from an Oregon XXXX XXXX. A voicemail was left from a female named XXXX XXXX stating that she was following up " on a potential claim that was in her office '' At no point did she identify the company she was calling from. I called the number back and was greeted with " hello '' I stated that I just received a call and was immediately transferred to XXXX. Again, at no point in time did XXXX identify the company she was calling from. After discussing a debt from American Web Loan, I stated that I would be willing to discuss a settlement offer. At this point I was transferred to XXXX XXXX in the " settlement department ''. At this point, XXXX proceeded to discuss a settlement offer. When I refused the offer and attempted to negotiate, XXXX stated that I had no grounds to negotiate and proceeded to tell me that they would be contacted my employer for garnishment and pursuing judgement against me. As I attempted to inquire further, XXXX stated that 's all I need from you and hung up while I was still speaking. I called the number back and spoke to a male that answered the phone. I asked for the name of the company and the names of the XXXX individuals I had just spoken with. The male called me by my full name as soon as he answered the phone. He did state the name of the company as Alliant Capital Management Services. He refused to give the names of the XXXX women I had just spoken with stating that he could only see extension numbers on his end. I then had to question if all employees shared the same extension numbers or they were assigned. He still refused to give me the names of the individuals I had spoken with. I have received a previous call form this aggressive collection agency in XXXX 2016. At that time I updated my contact information to include my cell phone, work cell phone, and address. In XXXX I did request a written invoice of all charges and interest that this company was trying to collect. I did not receive anything in the mail. I have not received any written request concerning this debt in over 12 months. I will be sending a cease and desist letter to this company.
This is regarding fraud that occurred on XXXX/XXXX/2015, when a XXXX account was opened in my name. I have a police report, and documentation from XXXX that they are aware it is fraud. They also reported the same to Equifax on XXXX/XXXX/2015, and again on XXXX/XXXX/2015. I disputed it as fraud, on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. Each time they came back stating this was a valid inquiry. I have a fraud alert on my report with all XXXX bureaus, yet they refuse to remove the inquiry from my report.
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
I purchased a ticket, for travel, the merchant issued a rewards milage ticket. I was not able to usr the ticket upon checking in at the airport. The airline stated that only the holder of the account that have the miles would be able to usr the ticket. I was denied boarding abd lost All the purchase price of the ticket. I filed a dispute with Chase Card services. and have not gotten a refund.
During a time of hardship, I reached out to my credit card company, Wells Fargo, to see if they could offer any assistance. I was referred to the collections department. Under advisement of the rep, the program entailed closing the account down and being put on a payment plan. They stated that I would have XXXX percent interest to help me through the hardship, which I agreed to do. Months later, I find out that they never honored the XXXX percent APR and gave me XXXX instead. Calling Wells Fargo back to have the matter corrected, they avidly denied ever offering me the XXXX percent and when asked if they could review their recordings, there were none available for that recording ( conveniently ). I am well aware that the collections department did help lower my interest from the original amount, but the reason I agreed to shut down the card was because of the XXXX percent interest. They blatantly lied to me and now there are no notations or recordings to substantiate the conversation.
I do not understand what they mean that it will be deleted in XX/XX/XXXX but no specific deletion date. A little more explanation would be appreciated. Also, why is it every month that it is being added that I was just delinquent with the account. Like for XXXX it keeps alerting me that I have been recently delinquent and when I click the alert it shows XXXX XXXX. I still believe XXXX XXXX is not following the laws for reporting and FDCPA. I have never see anything truly validation and or verifying this account. I have asked for those documents to prove that it is validated and verified but nothing XXXX XXXX keeps ignoring my letters. Just like that one woman said on the phone if I keep sending letters she will ignore them. I thought that was against the law. 

I have tried multiple times to get this account fixed and resolved but when XXXX XXXX states one thing and does another it pushes me to keep reporting the illegal actions they have done. Threatened me when they first contacted me in later part of XX/XX/XXXX, by saying that if I do not pay this now I will have a hard time for 7 years to get any credit or jobs. I asked them to at least verify the account. I sent in letters trying to see if the company can validate and verify this account is mine. I never got a response back but only more and more phone calls trying to get me to pay this bill. But avoiding to fulfill my requests which is my right by the FDCPA.
I have been informed by XXXX XXXX XXXX that TransUnion has different incorect info for my address. I wrote TransUnion a letter stating my correct address where we have lived for the last nine years ( letter attached ). They sent a letter back stating I could gp online and make corrections. When I went to transunion.com and tried to register it would not accept my correct address. My address is XXXX XXXX XXXX XXXX XXXX and apparently their system can not handle a XXXX. It 's asking me to enter a ". '' or a " # '' which is not my address. I attached a current water bill and as you can see they have my address correct. The problem with the address they have on file for me, which I 'm sure is XXXX, is a problem with their software and not my problem. There is nothing I can do to correct their system. Please help me get this corrected as I have already wasted enough time on this issue. 

Thank YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. 
XXXX HomeXXXX Cell
NFCU told me they would remove my tradeline if i made my auto loan payment in full. I was late on 2 separate occasions at the end of XX/XX/XXXX and beginning of XX/XX/XXXX. In early XX/XX/XXXX,  I payed the entire loan off. The tradeline was never removed.
I have asked this compnay to not contact me at work as I work at a hospital and can not receive phone calls. They recorded me stating this and still continue to call.
On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.
I do n't have a contract with Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it was added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt. Received correspondence from Diversified Consultants via the CFPB portal on X/XX/2017 that they would cease collection efforts and remove this collection from all credit bureaus. This morning, I received a credit monitoring alert that this collection was just added back on without my knowledge.
I am receiving repeated calls multiple times a day ranging in times from XXXX to XXXX.
A negative item on the credit report has not been updated, the status is currently " unknown '' although it has been previously resolved. The item is a state issued tax lien which has been paid in full and is no longer outstanding, I would like this item removed if possible.
I had a payday load with ACE Cash Express in XX/XX/XXXX. It appeared to come out of my back account on XX/XX/XXXX, but was apparently rejected. When I called the company to confirm they had been paid in full, they looked up my account and confirmed it to be paid in full. Today, XX/XX/XXXX, I received a call from a man named XXXX XXXX stating that he was a process server and that I needed to call XXXX immediately to stop a court filing that was going to happen XX/XX/XXXX. When I called the number, no one answered. I got a call back from XXXX with a person names XXXX who stated she was a mediator and that ACE had turned over the item to them to collect and they would be filing criminal and civil charges, having someone notify my employer, take my car and my house, and suspend my drivers license until I paid them in full. They said my original debt was {$1600.00}, but that I owed them {$2800.00} including collection fees and attorney costs. I did go back and look through bank records and do apparently owe the {$1600.00}, which I immediately made arrangements to pay. However, I did not agree to pay collection fees and did not appreciate being threatened with arrest.
In XX/XX/XXXX I received I received a phone call from XXXX XXXX XXXX stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from XXXX XXXX and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from XXXX XXXX that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XXXX XXXX phone call.
My husband and I each had a XXXX XXXX XXXX that we used to purchase round trip tickets from XXXX to XXXX last week. At the same time, we are both holders of the co-branded AMEX/XXXX - which entitles us to priority zone XXXX boarding, a convenient benefit since you can be assured that there will be ample room in the overhead bins for your carry on luggage. On our return trip XXXX from XXXX to XXXX, we were issued zone XXXX boarding, virtually guaranteeing no chance that there would be overhead space for our bags. Both my husband and I called both XXXX and AMEX and we were told by AMEX that it was a XXXX 'issue ' and told by Delta that due to the tickets being 'e ' class, they did not need to honor zone XXXX boarding. When purchasing the tickets, there was no mention of any restrictions that an e class fare carried. I presented my case to both XXXX and AMEX - that this was false advertising on their website - they capture customers by this fantastic benefit and there is absolutely no mention whatsoever that it is restricted to certain fare categories. XXXX supervisor went so far as to tell me to check the 'fine print ' area - I did that as well, no mention of restricting zone boarding to certain fare classes. She then told me that there is always the last statement, 'terms subject to change ' or something along those lines. They recorded several of the conversations when they were at the supervisor level, but all to no avail. In my opinion, this is a massive case of false advertising in the hopes of capturing large amounts of customers with benefits that they might/might not provide. Numerous individuals from both companies did not have an answer as to why the benefits were published on the website with no mention of any fare classes that would disqualify these benefits.