WillisBack/dataset-financial-user-claim huggingface dataset:
ANNUAL PERCENTAGERATE ThecostofYourcreditas ayearlyrate.

FINANCECHARGE Thedollaramountthe creditwillcostYou.

AmountFinanced Theamountofcreditprovidedto YouoronYourbehalf.

TotalofPayments TheamountYouwillhavepaidafterYouhavemade allpaymentsasscheduled. 
552.9667 % ( e ) {$5500.00} {$750.00} {$6300.00} I initiated contact XX/XX/XXXX. I was told that my monthly payment via phone would be {$160.00}. I was unable to see the Truth in Lending Disclosure, and upon further review realized how much interest they were charging, I made my first payment XX/XX/XXXX, and then 2 weeks later looked at my banking account and they had debited another {$160.00}. When I called to inquire about the ACH debit the customer service representative advised me that I agreed to bi-weekly payments, to which I responded No, I certainly would not have, I cant afford that. I immediately asked for a payoff amount which he quoted me as {$930.00}. I borrowed {$750.00}, to which he replied you acknowledged the APR when you e-signed the loan agreement. I told him that I could not see the truth in lending disclosure when I signed. He promptly ended the call. 

This company needs to be stopped, this is outrageous.
I only allowed XXXX authorization to pull hard inquiry, not XXXX or XXXX. Please remove these XXXX inquiries.
I have sent numerous request to Barclays Bank Deleware via Certified mail with return receipt, Requesting proper validation of this debt they claim. each time the company ignored my request and sent the same computer generated letters with itemized bill ect.. I shared the FTC option letter with itemized bills with them.
They have not provided me with any documentation bearing my signature, Showing any type of agreement or contract between myself and the party.
I have called this company onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Each time I requested information/ Documentation bearing my signature showing that I owe them money and that the account belonged to me, They refused each time, I was told they could not honor my request.
I sent them the first letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the second letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the third letter dated XX/XX/XXXX, They signed for it on XX/XX/XXXX I sent the last letter dated XX/XX/XXXX, They singed for it onXX/XX/XXXX After each letter they did not actually mark my credit reports as " Disputed '', They marked them as " Investigation complete, consumer does not agree '' They also Deleted the account off my consumer credit reports and then added them back on the reports causing my scores to drop 20pts each time.
I feel that I have gave them ample enough time to resolve this issue and send me the documents bearing my signature, showing that I have an obligation on this alleged account.
This company has also reported to the Consumer credit reporting agencies, Wrong names and Address that I have never had, claiming them to be mine, In which the Consumer credit reporting agencies will not correct the error with name or address because it is connected to this account.
The responses I seem to get repeatedly is : " We completed our investigation and confirm your account is being reported accurately ''. I have not seen any proof that this is being reported accurately as of yet. They have failed to prove any of the information I have requested.
This company sent me a computer generated paper that they claim is the application I filled out for this alleged account, after looking at it, it does not have any part of my social security number on it to identify me, It has an incorrect last name and e-mail address that I have never owned. and an address I have never had, lived at or had anything to do with in a city I have never lived in. The mothers maiden name is incorrect ( NOT MY MOTHERS MAIDEN NAME ) This is claiming that I applied online, At that time I did not use the internet, I did not use computers and I was living at my current address, where I have lived for the last 25 years.
In some of the correspondence from this company they have referenced my " XXXX Account '' I have no idea what that is.
I have attached all correspondence from me and this company to this report.
I have an XXXX store credit card and have spent over {$1500.00} on various purchases over past year. Recently I found some unauthorized charges on my bank statement. my banker had me go through all statements for past year. When I did I found many questionable and unauthorized charges on XXXX as well as a few others. I had investigation done and put fraud alert on my credit reports as well as notifying the companies involved. I have purchased many items from XXXX including movies- which I paid full price for. I tried to watch one of the movies I paid for on XXXX XXXX XXXX the other evening and found out my account is frozen due to the fraud. I asked to be able to watch movies I have paid for and was put on hold and no one came back on phone. I called tonight and was being transferred to supervisor but no one ever came on phone. When this fraud was first found, XXXX reissued by card-which I have paid in full. I no longer leave my credit card online. If I need to order something I enter card info and place order. Once order is successful I remove card. I have no idea why all of a sudden my account is frozen but I want access to items I have purchased. I am being punished by this company for being a victim of fraud
Equifax is reporting 10 months of no information on my account with  XXXX   XXXX  vehicle loan. Equifax intentionally removed the  ten  months of payment history in an attempt to lower my credit score. Equifax previously did the same thing in    2016  and was only corrected after I filed a complaint with CFPB case number  XXXX . I contacted  XXXX   XXXX  to advise them of this problem and they advised that they would reach out to Equifax. Please see attached email chain. I am having the same problem with Equifax with another vehicle loan I have that is with  XXXX   XXXX . There is  twelve  months of payment history missing from that account. Once again this is a deliberate act to ensure that my score stays low. I work hard to pay my bills and should not be intentionally harassed by Equifax who is suppose to be an independent reporting agency.   XXXX   and  XXXX  have both accounts reporting correctly.
I been going back and forth with the original creditors, collection companies and credit bureaus ( XXXX, transunion, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.
I have already provided XXXX with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, Transunion was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, XXXX  applied one, but as of XX/XX/13 Transunion is still allowing access to my file.
I paid off my Credit Card to XXXX in XXXX of XXXX. The credit limit that I had was {$500.00} and I paid the full {$500.00} and it was accepted. Recently, Midland Funding reported on my Credit Report that I owed {$830.00}. I sent them proof that I did not owe this amount and they removed the {$500.00}. Now they are reporting {$330.00} that I owe them. They last reported this XXXX XXXX. I have repeatedly sent proof to XXXX all XXXX credit bureaus and XXXX and Midland Funding without success.
This complaint is against Experian and XXXX and XXXX XXXX. XXXX XXXX reported to XXXX, XXXX and Experian " to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, XXXX has listed " formerly known as mother 's name ''. Experian has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.
On XXXX XXXX, 2016 I realized I had not made my XX/XX/XXXX payment on my account. I called customer service and explained to them that my Mother had transitioned on XXXX XXXX, 2016 and I was so involved with making plans for her services on XXXX XXXX, 2016 and away from home so I had not paid my creditors. I was told that the late fees would be waived this time when they received the payment. I made my regular monthly payment on that day but noticed on XXXX XXXX, 2016 the late fees had not been removed. I called again and was told it would be reversed in 24-48 hours. 
On XXXX XXXX, 2016 I called because there was an {$8.00} past due balance on my account. I was told on numerous occasions that it was a past due fee and not a late fee which had to be paid. 
I wrote a letter to headquarters and asked that they respond by XXXX XXXX, 2016. To date they have not contacted me. 
My problem is I do n't see any difference between a late fee and a past due fee. Also, my agreement does not mention anything about such a fee. I am wondering how many other people they are charging this fee and how much they are charging since there is no written policy in the agreement. Is this legal and can you assist me in getting this fee removed from my account? I have not paid the fee due to I do n't think it is legal.
Frauding scams IDs frauding my documents and medical record of birth certificate long form of Md XXXX and doctor XXXX XXXX scams IDs and accounts frauding my XXXX country Indiana using XXXX XXXX scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana XXXX scams frauding my XXXX XXXX scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX California mall
XX/XX/2018 My wife and I each have an XXXX XXXX Bank of America credit card, and have had them for decades. I think that Bank of America is discriminating against us as lawful gun owners. Bank of America does this by threatening to refuse their banking services to law abiding businesses within the firearms community. I want Bank of America to apologize to my wife and me. I want Bank of America to immediately stop marginalizing my family and our honorable, constitutionally protected traditions. 

Sincerely : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX
I received a letter more than 5 days after the initial communication ( a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the letter did not state that I may request that the debt be validated or verified.
My mortgage servicer 'Wells FARGO bank ' is demanding that my HELOC mortgage expired, and the NEW LOAN amount is three ( 3 ) times what it used to be. SO from XXXX/monthly, it went to {$1600.00} over night. I bitterly complained and ask for their detailed explanation. They said these loan expire every ten years, and the new loan payment will be three times what it was. I was shocked, and I never had any indication a change was eminent, so I ask the Bank to send me what paperwork they had, if any, that mandated such. They sent my personal loan and Deed to a cover-lettered complete stranger in another state. In the meantime I dug out my original paperwork to read through, and since I never ask WELLS, or anyone else to make any changes, I had a Perfect NO LATE record after seventeen years, and PERFECT credits FICO, why should there be this unexpected change? Why? 
I have read, and reread my note ( disclosure ) etc..and I see NOTHING, that would mandate any change, let alone a massive triple my customary payment change, with interests rates 'going down '. And in addition they kept gradually increasing my FIRST mortgage amount while interest rates were going down, so made me wonder what was going on with it, NOW this dramatic increase with my HELOC, My private inquiry to an independent accountant and loan broker said a NEW mortgage would be a much lower overall payment, so I 'm confused and really annoyed and I ask WELLS to just refinance both my loans they were servicing into one, so I could save on my cash flow, they refused. They said since I did not pay the increased HELCO, that, that had ruined my credit, so they could n't make me a new loan. That REALLY made me angry. I had perfect credit until they ruined it, now I feel they are acted deceitfully and FRAUDULENTLY, thereby forcing me against a wall. They suggested they could offer me a Mode loan,,, for people with BAD credit? My research tells me I will not qualify for a mode, since I have too much equity. This BANK is ACTING with unfound unauthorized overpowering illegality. They are using Arcane methods. They must be forced to stop.
Im filing a complaint against Westlake Financials I own a small auto dealership in XXXX Arizona called XXXX, XXXX. 
When I opened my dealership in XX/XX/XXXX I was excited to add Westlake financial services to my list of lenders. Westlake informed me that they need a {$500.00} deposit until I submit 10 deals or have one contract funded through them. Little did I know about their high unrealistic interest rates for top tier clients with excellent credits and the absurd fees they charge the dealers to approve the auto loans. For example if Im selling a vehicle for {$18000.00} to a client with a XXXX credit score Westlake charges the dealer a buy fee close to {$900.00} with an interest rate of % 13 which is totally absurd, attached is a copy of their contract and lender fees. So after submitting 3 deals, I decided to stop sending them credit applications and contacted my Westlake representative XXXX XXXX on XX/XX/XXXX to close my account and refund my {$500.00} deposit. Atfer I spoke Today with XXXX XXXX XX/XX/XXXX he informed me that Westlake did close my account but they wont refund my deposit. Their excuse is I failed to submit a minimum of 10 deals or I didn't successfully sign 1 contract. Is it legal for Westlake to refuse to refund my deposit?

Thank you
I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from Trans Union and was affecting my credit score for example XXXX trans union and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that Trans Union would not do it due to the length of time. I then called Trans union they told me that they had no such request logged on there system and was told by trans union that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.
Gm Financial failed to report to the credit bureau for over 6 months, then when they did, they inaccurately reported me 30 days late on 2 separate occurrences. They refused to remove it.
My uncle passed away in 2009, he was my co-signer of my private loans with XXXX XXXX. At that time when I submitted all the information they informed me that my loans were in default due to the death. Now 7 years later, Navient, is now trying to collect off me once again but my Uncles name is still on their loans and he should n't be. They have harassed me with phone calls at work, previous jobs, family, email, calls to my cell phone and through mail. They are very threatening each way they contact. Plus my original loan that was in default had a way lower interest rate from what they now show. These are crooks and something needs to be done
Rentdebt Automated Collections placed an account on my credit report without sending a 30 day notice. When I asked them to remove this from my credit report they refuse to and never sent anything about the debt. They have not returned any of my calls that I have made to their office.
On several occasions when I have made payments the company had taken the payments and applied most of the money to the interest and almost none of it to the principal. When I discovered this I asked them why and they wouldnt give me a clear answer, said that they would apply the money as they saw fit. I raised several objections and let them know that I was aware that thier transaction application was illegal and they were misapplying the funds deliberately turning my loan upside down and I wanted to know why. Again I got no answers. Time and again I have tried to work with this company but I seem to keep falling behind in payments somehow and fees are constantly being racked on that I dont know where they are coming from and addition money is always being asked that I pay but once again I dont know for what. Now Im so upside down on the loan that I cant trade in the car and I dont know how to get out from underneath it!!!!!! The dates are too numerous to list and I can tell you that the conversations with them are daily a least two or three times a day, and I usually dont know its them thats calling because their phone comes up with names like XXXX XXXX or some unknown business.
XXXX XXXX XXXX and Equifax have failed to remove the negativeinquiry in my credit report. This debt was fully paid and close. Equifax notresponding my mails or allowing me to view my credit report. As perEquifax, I was asked to forward copy of my drivers lic in order for me to filea dispute but never received and response from them.
On XX/XX/2017 I had an unexpected job loss. I continued to make regular payments and eventually entered into a Hardship repayment for 3 months. I was told that the payments during hardship period would be added to the end of the loan. When repayment ended, I was told that I had to pay {$1200.00} because I defaulted on the agreement. My payments show that I made the timely payments. I was also MISLED with information that the shortage of payments would be added to the end of the loan. I made good faith payments until I went back to work and then ultimately paid off the loan. 

I would like to have the 90 day late payments removed from my credit report. 

The Lending Club sent me a letter of explanation, which is different from what the representatives in their customer service area are telling clients.
In XX/XX/2008, I enrolled in the school I took 3 classes one class twice I dropped out in a timely manner, they ended charging me for the full program. I do not owe them that. I owe them completed 2 classes only.
I took out federal loans in order to earn my XXXX  ' degree. Navient wanted me to pay {$350.00} per month, after graduation. I paid this for about a year. I then had my student loans restructured. XXXX now charges me {$99.00} per month, and after two years, Navient has begun sending bills again. XXXX did not contact me after recalculating an income based payment plan.
Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.
Time after time, BOA will hold checks and payments and wait until the moment my direct deposit has gone in. I am over it, there is no reason I should 've had a fee, when there WAS enough funds to cover the check. They also have a fake story of " rolling fee reversal '', but can not give me dates, or times. They also are are supoosed to have a 24 hour time frame to fix an account with a negative balance ( per their handbook ), though do not follow their own guidelines.
FBCS, ( phone number XXXX XXXX ) contacted me today stating that they were collecting for XXXX, but did not give me the account number associated on my credit report, ( as it was not listed, and is required for collections ) and asked if my name was something else, which is was prior about XXXX years ago before my marriage. The debt has far surpassed the statute of limitations. I told them not to contact me again, and to stay out of my credit reports. I will be checking to see if they are attempting to steal my credit also by using this identifying tactic. I suspect that someone at my prior residence in XXXX XXXX XXXX is pulling this fiasco and is associated with criminal activity.