WillisBack/dataset-financial-user-claim huggingface dataset:
I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.
I have paid XXXX dollars to the account. It has not be applied to my account. the money is missing and they have no record of the account being paid and accounted for. I have the receipt.
I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.
On XX/XX/18 I paid XXXX in full for my student loans. XXXX refuses to report or update Experian that I paid my student loans in full. XXXX still reports that I haven't paid my student loans in full and Experian continues to display the outdated information in my credit file for profit. I disputed the information but I never got a decision from Experian and now Experian refuses to let me dispute anything in my credit file. Also Experian never sent me a " frivolous dispute '' notice. Presently when I contact Experian the Reps hang up in my face preventing me from disputing or asking for my credit report.
The FedLoan Servicing within my credit monitoring service is showing 50 missed payments. However, my account was in forbearance while I was in school and having a new baby.
Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me. 

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!!
Discover kept billing me a return fee for a bank account they incorrectly set up on my account by using the wrong routing number. Been trying for months to resolve the issue and they kept billing me return fees and negatively affecting my credit score. Money never came out of the account because Discover never sent ach payment to the right bank account.
New York community bank is trying 2 take my home. Underwater mortgage houses in area under value. They say they sent me a loan modification plan which I have not received. Please help me! I have had my home since 2000! Predatory lending at underwater Morgage this is
I sent a letter to Equifax on XXXX XXXX, 2016 requesting to remove XXXX hard inquiries from my credit report. These were unauthorized and fraudulent credit inquiries under my credit report. 
On XXXX I received email with credit file : XXXX XXXX, 2016, Confirmation number : XXXX. There was the same exact responses for all the hard inquiries : Inquiries are a factual record of file access. I did n't get any proof of my signed authorization for these inquiries. I am requesting Equifax to remove these from my credit report immediately.
XXXX XXXX, 2015 : I had not received a monthly statement from Seterus. 
*I called to find out-XXXX at Seterus from the toll free contact number and she explained to me that their computer program had changed internally. For the past several years I have been paying extra each month with the overage going to principle only. These payments are made electronically. XXXX 2015 this all changed. 
XXXX XXXX, 2015 : I called again and talked with XXXX and she re-stated the same problem as on the last phone call. 
XXXX XXXX, 2015 : I called again and talked with XXXX and he once again stated they were having computer programing issues. 
XXXX XXXX : I still have not received a XXXX statement. XXXX XXXX again stated they were not able to provide a XXXX 2015. I told her that I was ready to make my XXXX 2015 and wanted the extra amount over the regular payment to be applied to principal only. 
XXXX XXXX, 2015 : I checked my account on line and saw that the XXXX payment was received and the extra funds were not applied to my principal. I called and XXXX said she would look into the problem I have been having and called me back on XXXX XXXX. That did not happen. 
XXXX XXXX, 2015 : I spoke with XXXX XXXX at Seterus and was given the same story from all the previous calls. Each time I requested to speak with a supervisor and was told none were available.
cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order. 
I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway. 
I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.
( $ XXXX that Honda will pay will go in to a fund to compensate affected borrowers ) XX/XX/XXXX, I purchased a used XXXX Honda accord and my monthly payment was XXXX. I always felt that my payment was to high, and I now know for a fact that I was a victim of the above actions listed in the lawsuit. As a direct result of Honda 's action, I 'm still trying to payoff the balloon loan. As it stands today, I still owe honda XXXX on a car only worth XXXX. How can I be included in the payout? Thanks
Back in XXXX I received a letter from : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Under the acct # XXXX indicating that a debt from XXXX was owed. This was disputed as I did not have a contract with XXXX nor MRS BPO LLC, and sent via certified letter back to the company. At the company an individual named XXXX XXXX signed for it on XX/XX/2018. I now in XXXX have received the same letter from the same company for the same debt under a new acct # XXXX, and they're saying they didn't receive the certified letter for the previous acct number that was listed, and it has a new acct number because the debt was transferred between departments within their company.
we signed up with Global Client Solutions to consolidate our debt with some creditors. They said they would handle all the negotiations and our creditors would be paid. We could never reach anyone on the phone, we were paying XXXX a month for 11 months, I sent them statements and letters from creditors, they said do not answer phone calls from creditors. one day a Sheriff showed up my door gave me a summons to appear for court, being sued by XXXX creditor, I then called a friend who was states attorney and he said it sounds like you 've been scammed, also XXXX was involved with this scam, so I was wondering if there is any recourse in recovering monies I sent to them and was scammed
In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.
We are currently working on a refinance with another company. Rushmore services our current mortgage because XXXX  XXXX closed their mortgage division and rushmore took over the servicing of the loan. 

To complete our refinance, we needed a 24 month verification of mortgage ( VOM ). The company we are refinancing with, has completed everything else for the loan and has our borrower 's authorization on file, to communicate with rushmore. The refinance was supposed to close the XXXX of XXXX. 


Rushmore only sent a 12 month VOM when they should have sent a 24 month VOM. The company I am working with, XXXX XXXX, has called over a dozen times to Rushmore and been promised over and over the correct VOM would be faxed that day. This has gone on for nearly two weeks. These calls are all made on recorded lines and Rushmore continues to lie about faxing over the correct VOM by the end of business.

We have had many problems with Rushmore in the past, but this feels like they are lying and deliberately trying to make sure we aren't allowed to refinance. We were told by XXXX XXXX they have seen this problem with Rushmore with other borrower 's as well. We have had multiple problems with them in the past obtaining information about our mortgage. The customer service person always seems nice, but there is always a person above them that is supposed to do the work and never completes the task. You are never allowed to talk to that person and over a dozen calls and nearly two weeks and they have never completed one task they said they would.
I have initiated disputes with Equifax involving several accounts on my credit report that are 1. Not mine and 2. don't even have an agency name. There are 4 collections showing on my credit report that do not have a name or contact address. I've attached the credit report and on page 11 you will see collections for the amounts of {$64.00}, {$64.00}, {$100.00}, & {$100.00}. Also I've disputed a XXXX credit card account that is not mine and Equifax is the only bureau it is reporting on. After disputing I noticed it is still on my credit report. Nothing has been sent to me and I have not received a notice from them or credit report. My family is trying to purchase a new home and these accounts are holding us back. I've uploaded as much documentation as possible. Thank you, XXXX XXXX.
I have complained to XXXX XXXX to remove in accuracies in my credit report and they continue to report them from XXXX XXXX/JC Penny. A payment was made to XXXX XXXX XXXX XXXX XXXX a collection agency that J C Penny used in 2013. XXXX is reporting the payment on my credit account, but are showing I owe JC Penny. Now JC Penny is using XXXX XXXX to report in accuracies and XXXX XXXX and Synchrony can not provide the documentation to show the validation. 

Another credit reporting bureau was able to remove the in accurate reporting.
Earlier this year I had no inqueries in trainsunion. As of today XXXX/XXXX/16 I have multiple inquiries that are not mine. It appear trainunuon placed old inquiries on me
I entered into a forbearance in or around XXXX XXXX XXXX as i needed to resubmit my recertify for my ibr. After XXXX attempts to get my application to them i was to be told in XXXX XXXX they never received it. Until this time i was not notified they never received an ibr or a me. I had talked to someone in XXXX entetring into a forbearance, until my ibr was approved. So in XXXX the Fed loan placed a 120-150 day late updste on my credit report ruining my credit. Even if i was late, which i wss not, it still would not have been 120-150 days late as the forbearance was for 3 months. I also never received any letters or phone calls to notify me that i was supposedly late until XXXX XXXX which i returned the phone call back to them. At that time i informed the man that i filied for a recaluation of my payment XXXX diffetent times. Plus a forbearance of 3 months in order to prevent it going delinquent. This place is ridiculous on not receiving paperwork or claiming to not have a record.of my phone call. I beleive i talked to them on XXXX, XXXX and XXXX XXXX XXXX.
On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}. 

I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.
I was being called on my mobile number as early as XXXX after telling them numerous times to stop. I notified them verbally on at least XXXX occasions and the calls did not stop. They were making up to XXXX calls per day. I was told that it was an auto-dialer and they had no control over it. 
After I retained an attorney to sue them, they escalated their efforts to keep me current on my auto loan payments and continued to make phone calls even after the attorney notified them. If I fell behind at all, they notified me of default. I have always made the payments, but have regularly been 30-60 days behind. In XXXX of 2015 they initiated a repossession. I was able to make full payment at that time but have since been late making subsequent payments. After I retained the attorney and he notified them of the law suit, they stopped calling me but continued to send statements by mail. On XXXX morning, my car was repossessed. I am behind XXXX payments. I was not notified by certified mail as required by law. The tow operator trespassed onto my property and pushed my vehicle into the street and then towed it away. The local police were not notified and the tow operator made quite a scene banging on my door multiple times at XXXX and pushing my car into the street in a quiet residential area on a holiday. The practices overall of this company are shameful. I understand that I was late on my payments, but has ALWAYS been late on my payments. Why this would make XXXX XXXX 2015 any different is beyond me.
I received a W2 from TD Bank for XX/XX/XXXX. I was not employed by TD Bank in XX/XX/XXXX and called HR and spoke to XXXX on XX/XX/XXXX to inquire what the W2 was for. She thought I had received someone elses W2 in error and said someone would get back to by the next day with steps to take to resolve. I received an email from XXXX XXXX on XX/XX/XXXX informing me that the W2 was for a payout from my HSA account that I received on XX/XX/XXXX. I explained to her that not only did I not receive an hsa   payout but I did not have an hsa account at that time. She informed me that payroll does not handle elections and I would have to call the TD Benefit Center. I called the benefit center and spoke to XXXX on XX/XX/XXXX. XXXX called the hsa provider, XXXX, and we both spoke with XXXX. XXXX confirmed that I did not have an hsa account at that time. XXXX recorded the entire conversation and I asked if they could trace where a check was sent or to what bank an electronic deposit was made. He said thats what would happen and that I would get a call back by Tuesday. On Tuesday, XX/XX/XXXX I received a 1099 DIV in the mail. I called the benefits center back and was told the same thing as before ... its for an XXXX payout I received. I have no idea if this is an error, if I have an identity theft concern, or if there was fraud. Both the W2 and 1099 are for the state of NJ. I reside in Maine and have never lived or worked in NJ.
Im paying XXXX for a car that others are paying XXXX for. Very high intrest rate.
The Equifax data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to Equifax 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with  any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX  right?