WillisBack/dataset-financial-user-claim huggingface dataset:
Citibank refused to remove late fees and a resulting interest on purchase fee even after I explained that I had a few really horrible months. I was a customer for years and never late and they could not extend me this courtesy. They take advantage of consumers. I had a few deaths in the family, called to explain and they did NOT remove the late fee or interest fee. The late payment ( a whole 2 days ) triggered an interest charge as well. Seems to me that they wanted this to happen so they could collect these fees. They claim that they COULD NOT take the fees off. I do n't believe it. I have XXXX credit cards and a checking account with Citi. They could have been more understanding for someone like me who is never late. I feel that they are using these fees for their income. I closed the account and will close my checking with them as well. They are crooks and liars.
Made about {$10000.00} in payments for a {$25000.00} loan consolidation with XXXX XXXX/Navient. The amount owed climbed to over {$32000.00} even though I was paying. Offered forebearances multiple times due to financial problems and they never told that they were basically re-lending money over and over with compounded interest. Their representatives lied on the phone and described the forebearance as just a postponement of the payments and intentionally omitted vital information about the fact that they were just re-lending money PLUS interest PLUS interest ON the interest. When I asked to have the call recordings pulled to prove their representatives lied to me, they said the recordings were gone. After I disputed this with Navient, they sold my loan to a collections agency and now the amount they say I owe exceeds {$40000.00}. They never got a signature from me agreeing to that and I have been fighting with them for years over this. They tell me I agreed to the terms but I did NOT. I agreed, BY PHONE, to the lies their employees told me.
I have a business checking account with Bank of America. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with BOA and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice.
Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.
In XX/XX/XXXX my wife and I applied for a refinance mortgage with New Day Financial. The application was conducted over the phone, and I did not disclose any demographic information. The agent told me that my application was denied because I had one 30 day late payment on our current mortgage within the previous 12 months, and my credit score was not high enough. He told us that if we can keep our payments current for the next twelve months and re-apply in XX/XX/XXXX, we could qualify for a refinance. Fast- forward 12 months to XX/XX/XXXX. My credit score improved and all my payments were kept current. Based upon the information I was told, I had confidence that I met the qualifications to refinance with New Day. I called New Day to  re-apply for a refinance. This time we revealed that we were XXXX in the demographic disclosure part of the interview. We were told that my wife still did not improve enough to qualify, but my credit met the qualifications. However, before we could proceed further with refinancing with just me, the agent told us that he " was being called into a meeting '' and he had to call me back later or the next day to follow up. The next day I received a call from the agent informing that my application was denied due to a previous delinquency ( 120 days ) on the same mortgage that occurred four years ago. The agent told me that New Day will not approve applicants who had were delinquent on their mortgage within 5 years. I explained to the agent that this was not what I was told when I applied a year ago, and had I known I would not have wasted time applying now. The agent suggested that the previous agent was not fully informed on the requirements and apologized on his behalf. I suspect foul play based on ( 1 ) how I was rushed off the phone before I was made an offer, and being disqualified for a different reason that was not claimed the first time I applied for a refinance ; and ( 2 ) since I revealed my race on the second application and withheld it on the first application, my creditworthiness was further scrutinized.
State Farm Bank is the biggest scam ever! In XX/XX/XXXX I canceled a credit card with them. Before canceling it I disputed a charge for {$12.00} and thought once it was disputed I would not owe on the balance. A few days later I check my State Farm app to be sure it is all paid for. The account is no where to be found on my app, so in my mind I must not owe anything on it. Months pass I get no bills from them, nothing on my app about the closed account. Around XX/XX/XXXX or XX/XX/XXXX i start  getting calls from a odd number saying they are state farm collections, so i call there XXXX number to be sure it was them before i spoke with this number and they said that is not us, you dont owe us anything, and we only call from a XXXX number. Yesterday XX/XX/XXXX I get on to check my credit score it says i have 3 late payments, and i know i have never paid anything late, I look into and its from my closed account with State Farm.  So i call to pay it and they said i owe them {$200.00}. After arguing with them about it they brought it down to XXXX, still ridiculous. For a {$6.00} missed payment I collected {$200.00}, in late fees for a balance I was unaware of because they failed to properly notify me. I filed a complaint and they still made me pay {$130.00}!! Total scam!!! And they also clamied To be sending emails to the wrong email for notices about the balance one that isnt even linked to my credit card account! I told them it was the wrong email so How could i know about the balance they didnt care! Nothing in the mail about this balance and nothing on my online account about it.
It is frustrating to find yourself on a financial situation such as loss of employment, which you can not prevent from defaulting on your mortgage. It was than that I was forced to default on my payments. It was then that I struggled and began making life difficult.. I began to panic and retained an attorney by the last name of XXXX who submitted the firs package to XXXX XXXX XXXX to no success. During the process XXXX XXXX XXXX sold the loan to Rushmore Loan management who will not acknowledge the fact that this loan was under a loan modification. I had to start all over again for they did not have any of my documents.. Time went by with out a resolution. I terminated XXXX XXXX and began to deal with the bank myself. I also did not get any where. I have send various packages to no success. I then re send prepared a package and it was send out various times. The person who confirmed receipt of this package was XXXX XXXX at Rushmore loan management.. 
I continue to look for a job became sick and had no other alternative than to request social security income and asked for my son to move back home. 
I explained to the bank that my son had moved in with me and he is now a contributor. 
On XXXX XXXX XXXX I was told by Rushmore that I no longer had a loan modification and that I had a sale day of XXXX XXXX.. I said when this this happened. XXXX XXXX said well it just pop up. You only have 37 days so we can not review the file. 
I reside in this home. I want to keep my home.
I had the XXXX card so long ago and the account was closed and I want to know wits still showing up on my credit report, should n't it have already been removed ...
On XX/XX/XXXX I was XXXX in the Arizona Department of XXXX I was not XXXX into XX/XX/XXXX, 4 years later. When I return home I want to my Wells Fargo bank to make sure all my money was still intact and deposit in the bank. I found out that my account had been depleted by fraud using a pin number ATM access. I filed a complaint to have a resolution specialist look at my account and see if I can get the money refunded to me due to identity theft and fraud. I was denied the first time due to not having proof of XXXX. I filed a second time to reopen the case and was granited {$800.00} out of {$3700.00}. Wells Fargo is telling me that they withheld {$2700.00} of my money due to regulations E. Ive seen several documents and several videos and it clearly states that the banking laws say you can not use regulation E even if its after the 180 days of expectation due to special circumstances! When I found out my accounts were depleted four years later I had no way of knowing about it. So could you please help me get my {$2700.00} returned to my account?
I was a victim of TransUnion inquiry issues a few months ago, I contacted TransUnion and try to resolve the issue over the phone stating that by Law, under the fair credit act, section 6-11..they had to remove that inquiry .The Inquiry in question is ( XXXX XXXX XXXX XXXX ) dated XX/XX/2017 ... 
They can not delete a inquiry, then add it back, with out notifying me of issues, they have to within 5 days, which they did not.
In XX/XX/2015 a rental car was stolen from me and I got it back and returned it to XXXX XXXX XXXX. I negotiated to pay them {$560.00} which was {$200.00} more than I owed them for the trouble. They in turn filed a fraudulent invoice for {$3000.00} which I notified Chase that it was fraudulent and what had happened. Chase Bank in turn took my entire SOCIAL SECURITY XXXX check for 5 months straight to pay costing me my home, vehicle, credit, homelessness for 3 years and counting. I had a great credit score at the time which was gone in a month of not being able to pay basic housing and cost of living and other creditors. I fought them to get it returned repeatedly and would get it back provisionally just to have them bounce all my payments made including rent and storage. I've lost everything including my home of 16 years, my jewelry, my life as it was, my credit and even my dogs which were my whole life. What they did was illegal and they have managed to get away with it still. I want my money back, credit restored and all delinquent debts subsequently corrected that were due to their actions and XXXX XXXX And would like them both sanctioned.
Several years ago I received a notice from XXXX XXXX and XXXX saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then XXXX came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia in XXXX of 2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. In XXXX of 2009 the attorneys of XXXX XXXX XXXX and XXXX went to the XXXX XXXX magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.
XXXX XXXX / XXXX XXXX  Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.
I received a notification from my credit monitoring company that I had a collection account. I immediately reached out to the creditor/collection company. I asked for the information. The collection company verified that they had sent the notice to an address which I moved from over two years ago. Given the passage of time, my mail was no longer forwarded. I have updated my address with the credit reporting bureaus as well as the XXXX. I asked for the information to be removed from my credit report, until I received the account information and the opportunity to dispute or pay within 30 days. They have failed to send me the information. Furthermore, they refused to send the original notice to my correct address. I have absolutely no information on this account, except for the name of the collection agency and the fact that it is for {$590.00}. I believe this is an unfair collection practice, as I did not receive the 30 day period during which to dispute or pay the collection. I have acted in good faith, even communicating with the collection agency by mail and telephone, and have not been provided with the same courtesy.
I have a Student Loan in place and at the time I left XXXX XXXX University, I received a notification from FedLoan servicng, that I needed to start paying my student loan back. This notification came to my permanent home address at XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX, which FedLOan serving had on file approximately 90-120 days after leaving school. 

This was the first notification I received from FedLoan that my account was now due and I needed to set up payment. I immediately responded and made payment arrangements. 
I noticed that they had reported to the Credit Agencies that I was 90 days late. When I called FedLoan Servicing to inquire about the 90 days late, and I had just received my payment notification by mail, they told me that the initial notice of payment went to my XXXX XXXX  University student email, even though they had my permanent mailing address. I of course no longer had access to my student email as I was out of school and so did not receive a notice to begin paying loan. 
I told them for something this important, the first payment due notice should have been mailed to my home address, just as the 90 day notice was. Fedloan acknowledged that they did not send me a bill to my home address. I asked that becasue I never received a bill, I should not have been reported to the credit bureau as delinquent and asked that they remove or correct this with the credit agencies. They told me they do n't do that and I should have known it was due. 
I sent a letter with the same request and also contacted and challenged all 3 credit agencies that I never received an initial bill until 90 days past due. They sent letters to Fedloan but I am sure Fedloan responded that they emailed me. Therefore the 90 day delinquent is on my credit reports and damaging my credit and costing me money in higher interest rates. 
Summary : Since I did not receive an initial bill in the mail, which Fedloan had and chose not to use, I need the 90 day delinquency on all 3 loans taken off my 3 credit reports. It shows as three loans as disbursement was by semester, when it is actually one student loan. I have in fact, already paid about {$7000.00} back already and will pay the loan off. It is not reasonable or right to consider the loan 90 days old when initial repayment due was not sent to me.
XX/XX/2016 I SENT A DEBT VALIDATION REQUEST FOR XXXX ITEMS REPORTED I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " Original Creditor - XXXX XXXX '' WITH DIFFERENT AMOUNTS. i HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 2 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED.
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for Equifax 25 for XXXX and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( Equifax ), 25 ( XXXX ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information  can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called Equifax to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Have had numerous phone calls to my house when pick up no one there at all would like someone to send me information if I owe a debt from this company and stop phone calls to my home! Sincerely XXXX XXXX
I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days. 

This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom. 

M & T Bank is full of the worst kinds of scum and I can not wait for the day I close  my account with them for good.
I have requested a copy of the contract from this company on XXXX XXXX I 've also called over 43 different times trying to reach out to the company and still get no understanding from them. Their not trying nor will they help me. I still have n't received a copy of the contract and they refuse to pick up the XXXX XXXX XXXX. I 've requested them to pick up this vehicle in XXXX, XXXX, XXXX and XXXX XXXX and they refuse to do so but continue to report it on my credit report. They told me over 15 different time that they mail the contact off and they come back and say we just mailed it. I co-signed for my daughter who has the vehicle and there 's nothing I can do without a copy of the contract. I 've asked them to pick this vehicle up and they want but continue to report that 's no payment is being made to my credit report but want help me in getting this vehicle back to them. They talk so nasty to me when I try to reach out to them for help!
On XXXX XXXX, 2016, I XXXX XXXX made several attempts to reach the account holder of my student loan Performant. After extensively waiting on the phone, I asked to talk with someone about reentering a payment agreement for the 4th time. I was in a plan in XX/XX/XXXX and made the call to make the payment and was informed that XXXX was not accepted nor checking account information, I made several attempts to call back and was never connected nor a call back as received so when I reached communication on XXXX XXXX, 2016, I was told that I need to make a payment of {$5.00} first to get back into the program, I made the payment and did not receive any further iinformation until a packet came on XXXX XXXX, 2016 iluustrating my calls and their attempt to put me into a payment agreement enclosed was a form to fill out for rehabilitation. I wwas pending a communication with your department regarding the issue so finally on XXXX XXXX, 2016 I had a discussion with your department regarding Performants process I was told they are following regulations and nothing can be done, I strongly expressed that they are not following the process and makes it difficult to be reached and make a payment. None the less I hung feeling frustrated and called Performant to try to see if I could work with them, I was connected to a rep ( surprised ) I told her I wanted to enter into a repayment agreement we proceeded with the process at the end she asked for ways to make payments I asked what format she indidcated debit, creidt checking account, I went to give her my checking account information for automatic withdrawals I told her that I talked with someone back in XX/XX/XXXX she clarified XX/XX/XXXX and I was told to make a {$5.00} payment therefore when I do get back into a payment plan the first one is made so why am I making a payment today she said because that payment was just applied to your account so I confirmed so it was a payment I didnt have to make and she agreed, i went on the tell her the communication of what occurred with that rep and once again i was miss informed of information. This company is not trying to help students with their student loans.
My son and husband are both XXXX.When Billed XXXX. They called to cancel stating they were charged to much. They said they would work with them if they paid XXXX and then XXXX for phone and would suspend account. The next bill came to XXXX. I then called asked to speak to someone in resolution dept, talked to XXXX on XXXX, who said not only would the charge stay at XXXX but also added XXXX totaling XXXX which was sent to collections which has effected my husband who takes pride in paying his bills. We are on fixed income, my husband is XXXX has XXXX and my son XXXX, with whom my husband got phone for. They were dishonest in payment and fees when they sold this product.When I see commercials on what they promise it makes me sick, and to have a person like XXXX who is suppose to help resolve problems, was very cold.