WillisBack/dataset-financial-user-claim huggingface dataset:
Hyundai Finance Company 's collection department was very nasty, aggressive and, in my opinion, unreasonable in solving a dispute about a lease payment that occurred 4 years ago. The issue was resolved and the vehicle returned on XXXX XXXX. I leased another Hyundai vehicle from the same dealer only through another finance company. ( The bad experience precluded me from considering Hyundai Finance again. ) A letter describing the issue and requesting a waiver of the " disposition '' fee was included with the paperwork with the returned vehicle. The letter requesting the waiver was never answered and I received a bill for the " disposition '' fee plus taxes. 
I have returned the bill with a copy of the original letter and a note disputing the bill to Hyundai Finance. 

If Hyundai Finance had been cooperative in resolving the original dispute I would continue to do business with them, However the total lack of willingness of Hyundai Finance collections department to cooperate to resolve what should have been a simple problem sent me the message that I should do my business with someone else. Now they want to charge me for a " disposition '' fee that never would have become an issue if they had treated me with respect. 
Finally, the " disposition '' is not really that since it is automatically waived when a customer leases or buys another Hyundai and finances through Hyundai Finance. I believe it is really an undisclosed price increase for not continuing to do business with Hyundai Finance. 
I think this is morally wrong. 
I think that is flat wrong and ask you your assistance in having the
I received a collection notice several months ago from Gulf Coast Collection Bureau about a debt that originated in Florida, a state I do not live in, and I responded to the collection letter advising the collection agency the debt is not mine and I provided identity theft documentation and requested Gulf Coast Collection Bureau to Cease and Desist. Since then I have received one more collection notices demanding payment for the debt I do not owe. I responded and sent it via certified mail with anther copy of identity theft documents. I recently received another letter from this agency AGAIN demanding payment or a copy of identity theft documents. I have responded to this agency twice with the necessary documents for them to Cease and Desist, yet they continue their collection efforts.
Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 3. Date : XX/XX/2018 Dear Innovis FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Innovis. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
I sent an investigation request to Equifax on XX/XX/XXXX. THey are supposed to respond within 30 days. But two months have past, and I have yet to get a response from them. I got responses back from XXXX XXXX and XXXX weeks ago.
Yes and Hello I was first approved for a loan for the amount of {$270.00} in XX/XX/XXXX and had to pay a full amount of {$270.00} only in XX/XX/XXXX no interest because it was the due date the XX/XX/XXXX or XX/XX/XXXX of the month. Now i reborrowed in XX/XX/XXXX and was approved for {$250.00} and my due date was XX/XX/XXXX, {$250.00} only no interest if i pay on time. I pay it on time for {$250.00}. Now XX/XX/XXXX come around I reborrowed and was approved for {$250.00} so I accepted it. And when XX/XX/XXXX comes around they said I owe XXXX with interest I said no I just paid my last 2 loans with no interest. I'm not paying so if this go further I will make a complain with your company for Fradulent papers because I pay the last 2 with no interest and damaging credit.
In XXXX, I took out a private student loan for {$10000.00} which is currently under the XXXX XXXX XXXX XXXX and another one for {$25000.00} which is currently under the Lender, XXXX XXXX  of PA. 

Today, my loan balance for the loan I took out in XXXX is {$11000.00} and the loan for XXXX is {$23000.00}. I have made monthly payments in the amount of {$120.00} and {$240.00} over a 12 year period. I noticed that my principle balance is not moving as I pay down my loans and there is no end in sight. Every year, it appears as if a new lender purchase my loans without keeping the proper paperwork. 

To date, I have paid a total of {$30000.00} on my private student loans and realized that I am currently being overcharged for private loans that are constantly being sold. This is a total scam, and I see no end insight. I am sick to my stomach because I have been paying on these loans without any end date for payoff. 

I would like a full investigation into all of the companies that have sold my private loans over the years and a full investigation into the amount that I've actually paid over a 10 year period. I have been taken advantage of and will be paying on these private loans for the rest of my life.
Greetings, I have had a Wells Fargo credit card since XX/XX/XXXX. I have never missed a payment. When I opened this account my interest was a little less than 15 %. Now it is 19.8 %!!!! 

I just found this out because my interest charge keeps going up even though I am paying the principle down and started making inquiries. 

During my last couple years in college, I did escalate the principle. In XX/XX/XXXX, I went to the XXXX, Colorado Wells Fargo bank seeking to refinance. I was told then that my interests rate on the card was around 15 %. Based on this I decided not to refinance. However, in my recent conversation with a Wells Fargo executive, they said my interest rates have always been nearly 20 % since XX/XX/XXXX!!!!! They claimed the bank in XXXX, must have looked a wrong information. That does not pass the smell test. I have no idea how long I have been being ripped off by Wells Fargo. 

I make two payments even month when I get paid, so I am always two weeks ahead of the due date, which is at the endow the month. However, their computer and data entry is not keeping up with my payment history, often showing I owe a payment even though I have already met my monthly obligation well in advance. 

Also, I used the card back in XX/XX/XXXX for {$700.00} for tires, but turned around and paid {$800.00} to the card, seven days later, but was still charged interest on the tires! 

I believe I have been outrageously overcharged in interest fees and how they are accruing my monthly averages. 

Please help. I am a working person - 7 days a week. I don't have money for an attorney.
On XX/XX/17 I learned that millions of customers of Equifax had their data compromised in a security breach. I checked on Equifax 's website and it was confirmed that I was among one of the victims. While I understand that Equifax is also a victim in this attack, they are requiring their customers, such as myself, to manually file fraud alerts and credit checks. Equifax should be doing more to take care of this issue for every single one of their customers. Additionally, the fact that a major company that is involved with countless amounts of sensitive data is not prepared for an attack like this is unacceptable. Now my personal information is available to attackers and I have bear the burden of an increased chance of identity theft for some time to come.
XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company.
Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
Allied Interstate calls multiple times a day, and leaves no messages. They are just calling to harass me.
Bank of America issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page.
I initially file the dispute 6 months ago when I initially file the dispute I provided supporting documentation I provided things like a XXXX tracking number showing when the package was returned back to the merchant showing the proper weight, ect. About two months later the temporary credit that was issued was reversed the bank asking for proof that I return the merchandise keeping in mind two months earlier I already gave them all of this information clearly they did n't look through it when I brought that to their attention they reissued the credit and started the dispute process all over again then I received a letter telling me that they are still working with the merchant attempting to get a permanent credit then a few weeks after that once again I get another letter where I 'm told that I 'm being charged again but temporary credit is being reversed and it goes on to say that I filed a false dispute I am absolutely clueless what you 're talking about in the information you sent me with this letter all it is is my order confirmation I 'm not disputing the fact that I placed an order with the company I 'm disputing the fact that I return the defective product well within their 30 day return policy its not like XXXX is just making this information up they weigh the package multiple times throughout the transit back to the company we can see where it was delivered By the way I used the companies shipping label that they asked me to use so again it 's not like everyone does not already have the return shipping info.
We make our payments on the 1st of every month and America 's Servicing Company receives the check and cashes it, but never posts it so it shows up on my credit that we 're 7 months late when we 're not we are current.
To whom it may Concern : I recently pulled my credit report and noticed that a late payment has been allocated to my credit file. When I called CITICARD customer service I was told that I was n't late. I explained to customer service that they have reported a 30 days last as of XXXX/XXXX/2015. After further research they advised me that they send a statement to my email address. I verified the email address that they supposedly sent the correspondence to which was not mine. I asked if there was a bill that was due why they failed to send it to the address that I have had with them since I have opened the account they could not give me an answer. I have received proper correspondence including all of my bills from them on every other occasion yet they are at a loss on this occurrence. In addition a few months ago I had mail stolen from my mailbox soon after that I noticed fraudulent activity on some of my credit and personal information. This may have been when the changed to my billing information on this credit card had occurred. I contacted all creditors to notify them of what has happened and to make special notes of potential fraud on my accounts. CITICARD failed to do so. I attempted to make the payment multiple times online but was given error messages. ( Saying they were unable to process my request ) I then called in to their customer service line to ask if there was an issue with their online banking portal and if I had anything due at the time. They indicated that there are no issues, my online banking is working and all is accurate. I then asked them to verify payments and my information they again advised that everything was correct. This was a complete inaccurate statement. There was several things that were wrong not only was my information changed but notification and payment information was not given and or correct. I have never EVER been late in the past and throughout my entire credit history. I also never had to make a payment over the phone in the past as I never had issues with any creditor 's online service. Please follow up on the action that has taken place. Correct the erroneous late payment as blemishing my credit history and take proper action upon the company as well as the service representatives who failed me as a long standing customer as well so diligent credit user.
SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.
After going on maturnity leave on XX/XX/18 I fell behind in payments due to no income. Responded to navients offer of forbarance on my loans both private and fedral XX/XX/18 by calling the number they provided was told that all my loans were in forbarance until XX/XX/18 they also at that time cancled my auto ach withdrawal that I had set up for all my loans. I was told all past due amount were taken care of with the forbarance and while I could still make payments I was not required to. I then started to receive collection calls and payment emails starting XX/XX/18 for my private loan that at first it was a scam so called the same number only to find out they had not put my privet loan on forbarance as I was told but had cancled the auto ach payment I had set up and had it reported as 120 days past due and no record of me calling and demanded I pay it in full with no other options even though my federal loans on my account were in forbarance.
Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. 

This is hurting my credit score and I have no recourse other than filing this complaint.
Synchrony Financial/XXXX XXXX XXXX I have never made any late payments and paid card off within month of usage. Tonight I reviewed account to ensure no unauthorized charges had been made as I am a part of the XXXX Security Breach.. My account had been closed XXXX balance XXXX credit limit.. 
I called the company for an explanation and was advised an automated system pulled account and I was a possible risk.. 
I am filing this complaint to expose Synchrony Financials of their unfair credit practices. This act has created a drop in score and its punishing me for paying off and keeping credit line in tact.. Now this bank has dicided to close my account for being a good customer?? Im confused.. how can I be a Risk..
I did a check of credit report and found error from Hospital Services Inc ( HSI ) with a negative remark on credit in which I have not ever contracted with Hospital Services Inc on XX/XX/XXXX without this consumers knowledge of debt to HSI. On XX/XX/XXXX, I wrote HSI to dispute the issue. In the letter I asked for their North Dakota state license number as a registered collection agency, I asked for debt validation through a full audit of all transactions into and out of the agency via XXXX XXXX XXXX XXXX D.B.A.XXXX XXXX in XXXX, ND in which original debt was held and written off not a statement of account, I asked for a signed contract that I had with the agency with my wet signature on said contract, I asked for purchase date of debt to the debt collection agency, and I challenged the statute of limitations. 

I received written communication from HSI on XX/XX/XXXX stating that an itemized statement which contained personal medical procedure information to include lab tests and care received that was given to the collection agency by XXXX XXXX XXXX XXXX D.B.A. XXXX XXXX in violation of the Person Health Information Privacy code of HIIPA through the OCR Civil Rights to privacy in medical information. I did not ever sign any document to giving XXXX XXXX XXXX XXXX   D.B.A.XXXX XXXX  permission to divulge any medical information to any third party agencies. 

HSI specifically states on their website and letterhead that they are " A Debt Collection Agency ''. To collect debt in North Dakota, an agency must be licensed. There is no record with the Secretary of State of North Dakota that HSI is a licensed agency. HSI did not provide in their communication their North Dakota State collection agency license number. Hospital Services, Inc stated in the bottom of the letter that this communication is from a debt collector and stated that this debt had not been purchased. The itemized statement from XXXX XXXX XXXX XXXX  D.B.A XXXX XXXX shows that the amount was written off. HSI falsified information in the written communication. HSI states on their website that they communicate with the " debtor '' that they will post negative remarks on the debtors credit report as a means to get payment for purchased debt from hospitals.
Daughter charged a product with my store credit card issued by Wells Fargo for XXXX in XX/XX/XXXX. I never received a bill via email, regular mail ... ( validation of debt ). I discovered there was a problem in XX/XX/XXXX while reviewing my credit scores. I contacted Wells Fargo immediately and made on phone arrangements to payoff ( and close ) acct. All late fees were waved. 
My acct was sent to an investigator who stated, at the end, they only send bills as a courtesy and since I made the charge, I was responsible. They again charged late fees as the investigation took place. She waved the late charges for the final and third time. 
I have no papers to confirm what wrongs have been committed by the credit card institution against me, which equals = no proof or chance of resolution. In my profession my credit score is used with any and all job applications. All lies, miss leading referrals, promises are unprovable because all contact with these people was by phone. All disputes to credit report agencies are strictly based on documentation. 
The only up shot I have is that my credit score was at one time XXXX and anyone who sees my credit report will automatically see the problem may not lay with me, but in fact the problem lays wth Wells Fargo Bank.