WillisBack/dataset-financial-user-claim huggingface dataset:
Set up an interested only pymt plan on XX/XX/XXXX with XXXX, initial payment taken on XX/XX/XXXX next was taken out on XX/XX/XXXX. Rec 'd voicemail from acct mgr, XXXX on XX/XX/XXXX stated that the pymt plan there was a problem with it and he needs to address it and if I want his help in protecting my business going forward I need to call him. I called back on XX/XX/XXXX spoke with XXXX who stated that I wasn't supposed to be put on the pymt plan because I just had one XX/XX/XXXX I said ok who's fault is that? It's XX/XX/XXXX go ahead and keep the plan going or start it over, she said she could not do that, I said cancel the pymts and I'll call back because I needed to make another call. Called back and spoke with XXXX who went through the same sad story saying I would not be eligible for the plan until XX/XX/XXXX now and that my options are to pay $ 50+ or $ 80+ to get a different plan I requested a supervisor, XXXX came on the line, questioning everything, said that I could not get a $ 20+ payment and their mistake oh well, I asked for his manager, he claimed none was there, over talked me, said I wasn't getting anything and hung up on me. I called back again asked to speak with a manager Ms. XXXX who allowed me to explain everything, she apologized for the initial rep being incorrect but explained that this lil {$3000.00} loan means nothing in the long run and it's going to hurt me more than it will hurt them, etc when I told her to cancel all future payments. She refused to send me confirmation that the payments were canceled and said that they can not continue to allow me to be on any interest only payment plans period.
The Experian Web site has repeatedly declined my requests to add a Security Freeze to my Experian credit file. First, for consumers like me with an Experian online account, information on adding a Security Freeze is difficult to find when logged in. Despite highly visible information on how to lock ones credit file ( at $ XXXX/mo. ), theres no upfront information on how to freeze ones file ( one-time {$5.00} fee ). Instead, the customer must search deep into Support information to learn about Security Freezes. This may increase the companys revenues by channeling customers to the higher cost option, but it provides a disservice to many customers who need only a freeze. After finding the online application to add a Security Freeze, I completed it, but it was declined. ( The application and decline are hereby attached for reference. ) Instead, I was asked to mail in a hard copy application. Because a mail-in application entails significantly more time, effort, and cost to me, and because I would thereby expose my sensitive personal information to additional risk of theft, I demand the company fix their online application process, so that a Security Freeze may be added securely and expediently by electronic means. I wish also to refer to my CFPB complaint # XXXX, in which I document how Experian Web site errors recently prevented me from monitoring my Experian credit report, as an another indication of how poorly Experian is serving consumers.
I have health insurance and my insurance paid for the service and now the hospital is trying to charge me. They keep calling and I ca n't pay them because they charged my insurance already and I have a copy of the statement that they sent where it says " this is not a BILL '' and it explains all the covered things that the insurance already paid. I only paid {$1.00} to see the doctor since that 's the copayment of my health insurance which is XXXX The insurance policy number is XXXX and my member ID is XXXX.
In XXXX XXXX I Cosigned a {$4000.00} student loan through XXXX XXXX. In XXXX the borrower began having issues paying the loan and I sought information on several different occasions regarding deferment, forbearance, and income-based repayment plans. Every option was closed to me, as it was described by XXXX XXXX customer service representatives as " not any better than just making my payments on time. '' They said that if I wished to use any of these options there would be initial and monthly fees added on which would actually increase my bill more than what it already was. 

Since the inception of the loan Customer Service Representatives have made it difficult for me to discuss the loan with Navient ( formerly XXXX XXXX XXXX unless I had information from the borrower that I was never given, nor told to ask for. Conversely, at times when I would call CSRs would eagerly discuss the loan for which I was a cosigner as well as many of the other loan received by the borrower for which I was not aware or financially obligated. Inappropriately, the CSR discussed the status of borrower 's other loans in an attempt to seek payment from me. This demonstrated XXXX XXXX 's willingness to engage in subprime lending. They allowed borrower to continue to take out loans, though his 7 previous loans through the same company were in various stages of default. 

At four different times throughout the life of the loan ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) Capitalized interest has been added to the principle balance of the loan without explanation and without cause. Over the past six years I have paid approximately {$3600.00} to Navient/XXXX XXXX at 10 % interest on a {$4000.00} loan. However of the 3,600 only {$1200.00} of this has been applied to the principal loan. I still owe {$2800.00} of the principal amount. This loan has never gone into default and payments have been made on time for the past three years.
Debt collection company making robocalls to random people based on just a last name match. I have a common last name! They call everyday!
XX/XX/XXXX i LOADED XXXX  ON MY PREPAID XXXX XXXX FROM NETSPEND XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX IN XXXX OHIO XXXX  FOR A TRANSACTION OF XXXX MEMBERSHIP WITHXXXX  AT XXXX XXXX uNIVERsity at XXXX XXXX XXXX XXXX where I graduated from a XXXX XXXX XXXX and I am part of the XXXX XXXX at XXXX XXXX   university and while at the XXXX XXXX XXXX a XXXX lady used her mind power to make me mistake my credit card number to not make the transaction succesfully then as soon as I reach the XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX   where I was working and staying it is a men shelter I occured some problems in the computer room up stairs XXXX was unauthorized taking from my netspend XXXX XXXX prepaid account and I disputed it 0n XX/XX/XXXX and they closed down the card prepaid XXXX XXXX  ending in XXXX and said they had to closed the card down and re issue me another card because I did not authorize the transaction for XXXX XXXX XXXX  for XXXX and XXXX XXXX XXXX on XX/XX/XXXX for XXXX  and XXXX  so he said when he closed the account down it would take 7 to10 days to resolve the issue then when after 7 to 10 days they said it will take another XX/XX/XXXX then after that they said it will take XX/XX/XXXX every time they prolong the date because they are showing their buts tring to used my biggest form to fight against my grandfather chief XXXX XXXX  the head of XXXX XXXX XXXX XXXX in XXXX XXXX  my uncle XXXX XXXX XXXX is on the phone asking my biggest form to fight with him but my grandfather XXXX XXXX in XXXX tennessee said no to XXXX  my biggest form my uncle wants to show his but with caused me a lot of hardship and lost a lot of money and even got me evicted from my apartment with XXXX XXXX and XXXX XXXX and they even XXXX my girl XXXX XXXX   because of it.
I am moving to XXXX in two weeks, so I need to fix up my townhouse to either sell or rent it out by XX/XX/XXXX. I have XXXX mortgages, XXXX and XXXX. So, I decided to combine the XXXX and refinance. So, I went to Quicken loans online to get pre-approved and then contacted a finacial person. He looked up my score and said he ca n't give me the loan because I dont have a score of XXXX according to the FICO XXXX they are using. They were seeing XXXX, XXXX and XXXX. But my FICO XXXX and XXXX Score for mortgages according to XXXX ( I subscribe to ) is FICO XXXX : XXXX, XXXX, XXXX - XXXX XXXX : XXXX, XXXX and XXXX not matching what they see. Something is wrong, I have the right to see excactly what the lenders are seeing. I need the extra money to fix up my place and this combined 15 year mortgage 2.75 % would put about a {$1000.00} in my pocket, thus freeing money to pay down on my debts in large amounts and quickly. Right now my first mortgage is {$1000.00} without taxes and insurance which I pay on my own and the second is XXXX a month, so that is {$2200.00} a mnth. Note : one is bank and the other is a credit union. I always paid my mortgage on time, no late payments. In fact the XXXX mortgage is taken right out of my paycheck biweekly.
All this accounts have been settled or paid and they are reported as delinquent accounts, please help me to fix this problem, i had send several messages to the credit report companies with no good results. 

Agency Open TransUnion BalanceXXXX XXXX XXXX $ XXXXDiscuss Your Account WithXXXX XXXX XXXX Call XXXX XXXX ) XXXX or Visit Agency SiteXXXX account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$13000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX XXXX XXXX {$9000.00} account reported XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 
Learn more about how to dispute items on your credit report. 

XXXX {$8200.00} account reported on XXXX XXXX, XX/XX/XXXX OpenAccount # XXXX $ XXXXBalance
I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours.
XXXX unknown debt collectors impostering as illegal Creditors has for the past two years threatened illegal confiscation of real property for personal family or household purposes. The Consumer has served several notices upon XXXX Law Firm and Nationstar Mortgage LLC. XXXX parties have failed to comply with federal Consumer Laws such as the FDCPA. The Consumer has attached a copy of all communications from and to the data collectors.
I Had an account with my son and they charged off my account for {$41.00} for Overdraft, I got a class action suit for overdraft fees that they reimbursed me, Also, they didn't send the information to the correct address I was unaware of this charge I tried to update and get a new checking account because of the overdraft they will not remove from XXXX XXXX as they added these charges later then charged off my account. I had paid money to the bank in XX/XX/XXXX and these charges were added later without my knowledge and is now affecting my consumer report for five yeas. I need this updated and removed as their should be no overdraft or extended fees by XXXX XXXX XXXX. I had two accounts with them after this and they never told me of this just sent it to XXXX XXXX. I spent an hour and a half with XXXX  XXXX XXXX and they wont remove the charge.
I was a co-signer for a loan entered in to onXX/XX/XXXX for {$2900.00} with a maturity date of XX/XX/XXXX, the monthly payments were {$98.00} per month for 35 months. This account was paid off XX/XX/XXXX ( Paid off early and in full ) While I was looking over my credit report I seen where this company had reported several late pays to my credit reports, There was never any late payments at all. Every payment was made 1-2 weeks early.
I have sent this company two letters to try and resolve this situation, and they have sent me computer generated ledger that does n't even have my name on it, It has the person I co-signed for listed at the top. I so not see this as any proof or verification that any of the payments were ever late, as per the FTC option letter from Attorney XXXX XXXX XXXX, A printout of a bill or itemized document does not constitute verification.
They sent me a copy of the contract and it does not have my correct name at the top, It has a last name that is not mine and surly was not legal at the time I signed the document.
Furthermore, After I sent the first letter of dispute, They failed to mark my credit reports with the credit reporting agencies as " Disputed '' This is a serious violation of the law.
They did go into my credit reports and change dates of the late pays after the second letter.
The first letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX The second letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX I feel that they have had ample enough time to research this a little better and send me copies of my canceled checks or take the late pays off my credit report or both. I do not feel that they did anything more than print out copies to send me and then did nothing more to investigate.
I have done extensive research on this company and found that they are notorious of holding onto payment and marking them late so they can get late payments from their consumers. However even though they marked my credit reports as late pays, There was never no late fees paid to this company from us
Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent. 

Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs. 


Thank you
On XX/XX/18 XXXX withdrew {$18.00} from my account which I did not authorize. What I did authorize was a single report for {$1.00}. I contacted my bank and on XX/XX/18 they removed {$17.00} until their investigation was complete. Now on XX/XX/18 they reversed the credit and charged me {$17.00} which I did not authorize.
got a letter from a lawyer mitchell d bluhm & assoc. for XXXX dollars i have medical insurance shouldnt be payimg anything have medical assitance sent that back with bill with insurance information thought it was taken care of since i never heard back from hospital
There is a collection which is NOT mine, I do not owe on any medical for {$1300.00} please help me this is crazy
I have several unauthorized hard inquiries on my credit reports from CREDCO. I was a victim of identity theft and these were not made by me.
Not really sure about trans union credit scoring compared to the other 2 credit bureaus, they have the same things, same dates, same information, yet they are almost XXXX points different with XXXX, and XXXX on XXXX, there 's not difference on all three reports, same information, I called transunion and was told it 's a different scorning system. The problem is I have tryed to get financing and all the vendors use transunion, it 's affecting my livelihood, there should not be that much different in the scores, you ca n't have a A rating with one a B with another, and a F with transunion, they have to be some what close, I understand there might be some differences but not XXXX and XXXX ... they would not answer my questions, and told me it 's not there problem and nothing they would do about it, my score has dropped from a good score to a XXXX in the last few months with no reason..all they had to say my name had a XXXX on it and I told they I am not a XXXX, they would check and let me know by mail that 's was over 45 days ago, but no help on the difference on the credit score, I am going to talk to a lawyer about this my credit is very important to me as I am self employed ... HELP
i have several accounts that are over 7 years, I have sent letters to XXXX and Equifax and I have not once received any action notice and XXXX says I 'm deceased.
On XXXX XXXX, XXXX, XXXX XXXX XXXX requested that we request validation of his alleged debt with Capital Accounts that appeared on his credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Capital Accounts failed to validate XXXX XXXX ' alleged debt.
Hello - I opened an account with US Bank approximately 2 years ago. I was a " secured credit card '' - the terms were that I deposited {$5000.00} into a secured account and was granted a credit card with a limit of {$5000.00} corresponding to my secured account. 

I decided to close this account XX/XX/2015 and had difficulty discovering the process to close the account. Finally I submitted a request in writing to close the account XX/XX/XXXX. I was told my {$5000.00} would be refunded shortly. On XXXX XXXX, 2015 I was told again that my check was being cut and was being mailed that week and I would receive it by XX/XX/XXXX at the latest. It is now XXXX XXXX, 2015 and I have not received the funds I deposited with US Bank. 

I 've had a frustrating time dealing with the customer support as they make it very difficult to get information and have so far given me false information regarding the {$5000.00} that they are withholding from me. They have kept my funds for over 2 months and repeatedly misrepresented the return of those funds. I regard this a fraudulent in that they represent one thing ( that the deposited funds are easily recovered once the account is closed ) and their behavior suggests that they are holding the funds purposely for their own gain ( they are collecting interest on my funds ).
To Whom It May Concern : I contacted Citi Bank on XXXX/XXXX/16 regarding my Double Cash card. I have a current billing item in a dispute due to the merchant charging me the incorrect amount. I noticed the item was charged back to my account as of XXXX, but have not received any notification as to why via E-mail or Mail. 

The first time I called, I was routed to a representative in XXXX who offered to transfer the call to the dispute department ( even though I said existing dispute in the IVR ). I was on hold for about 3 minutes and then the call was transferred to a message that advised the rep to take the call back because they were experiencing high volume and were unable to take the call. The line disconnected. 

I called back and asked for a manager. I was told there are no managers available. I then asked for a supervisor, who promised that I would get a call back within 48hrs. He took down my information. He was kind of rude, and I did n't like the way he handled the call. He denied me the ability to talk to anyone or anyone else. 

I called back once again and asked for a rep in the USA. The call was then transferred to a closed line. 

I called back a fourth time, and asked once again for a supervisor or someone in the US. The call was transferred to a closed line. 

On my fifth attempt, I called and was transferred to a closed line for the dispute department. 

Finally, on my sixth attempt, I got a rep in the XXXX who told me that there are no managers or dispute team members available due to high call volume and promised that I would get a call back in 24 hours. I explained to her that I have been disconnected and hung up on 5 times, and that I really needed to speak to someone.. She kept promising a call back. 

It has been 48 hours and my phone has not rang. I feel as if I am being discriminated against because I asked to speak to a representative in the United States. I explained to the reps that I was nothing personal, I just have had poor service and really need to speak with someone that will understand everything that I have gone through.. Since each one of the reps did n't even really apologize for the situation or how I have been treated. 

I honestly feel as if I have been mistreated and discriminated against for the billing dispute, as well as discriminated against for asking for an American employee. My calls were repeated disconnected or blind transferred to a closed line OR IVR with no reason or excuse as to why. 

I need to speak to someone about my dispute to understand why. I also need someone to help me understand why I spent over an hour on the phone only to get disconnected multiple times and hung up on.