WillisBack/dataset-financial-user-claim huggingface dataset:
I am a single mom of XXXX small children. Out of desperation I took out a loan for {$970.00} to catch on bills. I have made XXXX payments of {$340.00}, due every two weeks to pay it back. I knew I was getting close to paying it off so went in the system to check it out. Everything let me to believe the payoff balance was {$1300.00}, this would have been my last payment. What I found has left me speechless. A loan for {$970.00} is showing a payback of {$9400.00} with apr at 868.3411 %. Are you kidding me? Is this even legal? When I called they simply said I could to an early payoff of {$1400.00}, not a problem except I 'm paying {$680.00} every month towards this loan and will never have the money to pay it off. How is this possible? It is robbery! This company is scamming people and making tons of money on doing so. I have no problem paying back a loan but anyone can see this is not acceptable/ethical and they must be stopped. The loan payment documents were not clear or I would have NEVER taken it to begin with, nor would anyone else in their right mind. I have read so many reviews and they are scamming people all over the world. This in hopes that they will be stopped from taking advantage of hard working Americans and hoping that I can find a way to rectify so that no further payments are deducted from my account. Thank you.
A recent overview of my credit report revealed that Diversified Consultant, is appearing on my credit file. So I sent notice to this company that they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Diversified Consultant is continuing to report negative information on my credit report, even after they have failed to provide validation.
us bank calls me multiple times a day for my husbands debt. says they wont talk to me but continue to call be 5 to 6 times EVERY DAY! they will not stop even after my husband has explained to them when they will get paid ( he lost his job 3 mo ago and just started a new one this week )
I filed a complaint with Equifax Credit Reporting bureau on XX/XX/XXXX. I received notification that the dispute was resolved on XX/XX/XXXX. The dispute was concerning a public record from a judgement placed by XXXX case ( # XXXX ) which was filed on XX/XX/XXXX. It is currently classified as " satisified '' as of XX/XX/XXXX. This judgement should have never been placed on my credit report because it was filed and placed on my credit after I filed the bankruptcy and the bankruptcy was discharged on XX/XX/XXXX. I filed disputes with XXXX and XXXX and they both removed the judgement from my credit report. I contacted Equifax via phone and spoke with both a representative and a supervisor. The supervisor was rude and stated no matter what documentation I provide whether it is from a court or any other entity they would not remove this discrepancy/incorrect information from my report. I would like for this to be removed from my credit as soon as possible please and thank you
I bought the counterfeit handbag from the XXXX and store refused to take it back. I paid {$1000.00} for the bag on XX/XX/17. Master Credit card Ihg chase didn't provide eligible paperwork from the XXXX to me, despite I asked it for many times. I was not able to reply to the merchant as I was not able to read what they are saying. The credit card closed the dispute and told me that I can reopen it with additional information. I paid {$89.00} for the authentication letter from XXXX XXXX which is specializing in authentication of the high priced handbags. The document is supporting previous opinions I received that the bag is not made from the crocodile skin as advertised. The credit card opened a new dispute for {$1000.00} and denied it because it was not in dispute time frames. It is not clear why the amount is different. In addition, credit card accepted the merchant 's friend opinion from XXXX. XXXX came with the conclusion that it is crocodile skin only because he never saw counterfeit handbags from XXXX. The statement has no ground if he didnt see fake handbag before it does not mean that it doesnt exist, and should not be used as proof in the dispute. Master Credit card Ihg chase supporting illegal store activities.
XXXX/XXXX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the Nationwide Cassel LLC Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  Nationwide Cassel LLC XXXX Nationwide counter stating they would settle for {$10000.00} Nationwide increased the amount after knowing that I was in the process of buying a resident.
Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.
The prior week Ford Motor Credit and I made a verbal agreement to make a payment at the end of the month exact date tbd I was to call the following week and they would then administer an extension on to the end of the loan to bring the account on track. I was to call them with the exact date. They continued to call and bullied me and treated me less than professional, continuing to call, over and over again after out discussion. I stated that I was in the process of credit recovery and possible bankruptcy they continued to call me obsessively in a threatening manner, and then issued a repossession order and took my car. I 'm a Ford employee I work at a secured Ford facility all my information is readily available. I have had a 26 year good standing relationship with this branch of my company. I called Ford Credit and they gave me a number for the redemption center, which was incorrect. So I called back to obtain it again, and now nobody answers. Repetitive calls with no answer. Ford stonewalling to make things more costly and unpleasant for the consumer. Same on us, I have legitimate reasons and never have defaulted nor do I intend to, XXXX as my witness I will leave the United States of America if I do!
I Called the collections agency at XX/XX/2017 XXXX check the status in my account because was show is my credit report without any information o letter from that company, when I explain I was dispute portion and I request validation of the debt they claim since they do n't have license in Minnesota they cant mail any letter, but they can report it.last month they updated another account in my credit
I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, Transunion, and XXXX and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.
Hard inquiry in my credit report from : XXXX/XXXX on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

Also from Chase Card on multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX XXXX XXXX, multiples days as XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XX/XX/XXXX 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.
This complaint is in conjunction with complaint XXXX. Initially I was unable to use my card for several months upon credit approval. Several attempts to contact hsbc and several hours of being put on hold and hung up on lead to my initial complaint.

Now, I have completed the online banking months ago as well to manage my account. HSBCs initial classificationof my account has caused me not to have the ability to log on, I have also stopped receiving paper letters in the mail showing me my statement. Since opening I have made one payment over the phone for the complete balance. However now I do not know the remaining payments or due dates which is preventing me to make my payment and ensure I have a XXXX  balance. 

I hurt my credit by opening this account with the intention of using rewards points, benefiting from the annual match of points, using my rewards points, and benefiting from the 0 % transfer. 

I was forced to open an additional card to perform the balance transfer, further harming my credit score. I am unable to use my rewards points because I can not log online. I have been prevented from using my card for several months limiting the benefit I would receive in rewards points and more importantly the annual match. I can not make a payment on this account due to unknown balances which I have never had a late payment and am afraid this may occur due to the mismanagement of opening this account. 

In addition to the hours spent already in the aforementioned complaint I spent additional hours trying to fix my online banking issues. I have attempted several days to contact customer service and resolve this issue. They continue to transfer me from to different departments until I drop from the conversation. Attached are additional documents of me attempting to open my online activity. 

In the aforementioned complaint HSBCs response rewarded me with {$100.00} in rewards points. This is an inadequate amount based on the harm this experience has caused to me credit score and the inability to use the benefits of the card which is why I opened it. Additionally, I can not use any of the rewards I was provided because I can not log on to my accounts although several customer service agents confirmed I opened my online accounts correctly.
Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.
I am looking to be made whole, and have my {$35.00} overdraft fee returned, as no harm was done to Wells Fargo in my moving my personal funds from one acct to another. I have paid the {$35.00} fee for the XXXX payment, which as of XX/XX/2018 at XXXX did not show pending, but later posted and was backdated to XX/XX/2018. The acct transfer took place after XXXX on Friday, XX/XX/2018, with no pending transactions for XX/XX/2018 preventing the transfer of funds. I also immediately moved part of the money back. On Monday, XX/XX/2018, Wells Fargo emailed me and informed me that the acct was overdrawn and charged me the {$35.00} Fee. Spk w/XXXX, XXXX, and two add'l reps. Wells Fargo charged me a {$35.00} overdraft fee for moving {$600.00} from my personal checking account to my additional wells fargo checking. The transaction was done after midnight on XX/XX/2018, and also immediately moved back to the original checking account. Wells Fargo then charged me {$35.00} overdraft for my XXXX payment not clearing, which I paid, and an additional {$35.00} for moving my own {$600.00} from my checking to another of my checking accounts, which caused no harm to Wells Fargo. They are constantly imposing fees on consumers through backdating transactions, and not honoring the live available balances they show in the system.
I have rushcard prepaid service there was an update about 2-3 weeks ago to the system this is still ongoing and putting a hold on their customers accounts prevented them from getting funds I 've worked my XXXX off for the past two weeks, life does n't stop because of an update bills, groceries, etc I have to go without because their systems are cheap and XXXX. This is a horrible way to do business especially with people you 're entrusting your money to, I 'm not a millionaire like the owner, plus when calling customer service the wait is over an hour plus they hang up on you go figure!
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT.
Experian continues to block my dispute of the account listed on my report as XXXX XXXX XXXX account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and Experian will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If Experian really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.
Issue : MORTGAGE LATES XXXX 2014 showing on my credit report by Wells Fargo Bank. 
Story : XX/XX/2014 my marriage was formally Dissolved by XXXX Superior Court. Case number XXXX XXXX. The settlement agreement 'Division Of Community And Co-Owned Property Exhibit E ' gave asset consisting of Single Family Residence XXXX XXXX, CA XXXX to XXXX ( Former Spouse ). The wording reads " XXXX, CA XXXX and any debt or encumbrances thereon until its sold. If property sold, parties shall divide the net proceeds equally as stated in the body of this agreement ). '' RESOLUTION : Ensuring the ALL MORTGAGE LATES incurred after XX/XX/2014 be removed from my credit report by all XXXX credit reporting agencies. REFERENCE : Wells Fargo loan # XXXX XXXX trust deed, Wells Fargo loan XXXX Line of Credit, Wells Fargo loan XXXX.
In XX/XX/XXXX, I mistakenly overlooked completing the filling of my State tax return. In XX/XX/XXXX, I saw that a tax lien was placed on my credit report in the amount of {$2000.00}. I contacted the XXXX of Ohio Attorney General 's Office, and was informed of my options. They informed me that I could pay the lien, or I could complete my XX/XX/XXXX tax return which would satisfy the delinquency that caused the lien. I completed the tax return and had to pay a fine for the late filing in the amount of {$500.00}, of which was unrelated to the lien itself, but instead for the late filing of the tax return. I then received a letter from the Ohio Department of Taxation notifying me of my Satisfaction of Judgement. Within this letter, I was instructed to personally visit the Clerk of Common Pleas in XXXX County, OH. While at the clerk 's window, I paid the filing fee, and the clerk made XXXX copies of the original letter I had received from the Department of Taxation, and placed her stamp on each of them, then instructed me to send one of the stamped copies to each of the credit reporting agencies to have the lien entry removed from my report. Upon receipt of the stamped copies of my Satisfaction of Judgement, the entries had been removed from my XXXX and XXXX credit reports, but Equifax refused to remove the entries. I contacted Equifax and was told I needed to contact the clerk of common pleas in XXXX County. Upon contacting the Clerk 's office, I explained my issue, and was informed that the stamped copies of the letter I obtained from them is all that is needed to have the entries removed from my reports, and that they had previously run into issues with Equifax not removing the same entries. The clerk referenced a previous case in which she faxed to Equifax the same letter I had forwarded to them with a handwritten note on the letter, and the entry was then removed from the consumer 's credit report, but the clerk could n't remember the wording required by Equifax to have the items removed. I contacted Equifax again, under instruction of the clerk, to obtain their fax number and specifically what information needed to be included on the fax in order to have the entry removed. I was told I needed a " Statement of Withdrawal After Release '', or it needed to be indicated on the fax that the entry should otherwise be " deleted or removed '' from my credit report. Another call back to the clerk with the information resulted in the clerk informing me she was unaware of any " Statement of Withdrawal After Release '' forms and they do n't exist in their system, however she would fax to them the required information. After receipt and review of the faxed material from the clerk 's office, Equifax continues to refuse the removal of the entry, stating that their policy is that " paid '' liens remain on their reports for 7-10 years after the date that they are paid. I did not " pay '' my lien. Instead, I satisfied the requirements for the cause of the lien, which would indicate that the lien was withdrawn and the entry on my credit report should be removed, as indicated by the clerk that processed my filing.
I made a purchase with my HSBC credit card, but cancelled the order with the merchant. Merchant accepted the cancellation : " XXXX-Sales Tue XX/XX/XXXX, XXXX XXXX Hello, We're so sorry to be losing your business and will submit your request to cancel. Is there something we could've done better to gain your business? Did you find a better deal somewhere else? 

Thank you, XXXX " Then I received an email nearly a month later : " XXXX-Sales   XXXX Thu XX/XX/XXXX, XXXX XXXX Hello, I am reaching out to let you know that today we tried processing a refund for your order with us, and the transaction was declined. 
There has been a very big push on the Credit Card processors to not do business with companies who sell firearms, and they are not allowing us to process refunds at this time. 
This has caused a huge problem for us as well as our valued customers, and we apologize for the inconvenience. Since we are unable to process the refunds through the Credit Card processer we kindly ask that your credit card company cancels this transaction for your order. We know that this could negatively affect our company, but unfortunately our hands are tied. 

We are so very sorry Thank you for your understanding. 
We hope that you have a wonderful day -XXXX Bless- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX '' I requested an immediate reply from XXXX : " XXXX-Sales Thu XX/XX/XXXX, XXXXXXXX XXXX It looks like we tried to refund your purchase, however the credit card processor we were working with declined the transaction. 
We kindly ask that you contact your bank and ask them to do a credit reversal. 
If they need to speak to us please just give us the contact information. 

We are so very sorry for the hassle. 

Thank you for your time. 
XXXX " Still no refund, so I contact HSBC.

HSBC keeps sending me different emails to submit these emails to them. Each email bounces back by their own server. One email given by email from HSBC was : XXXX. On the phone they said, " XXXX '' -- both can't be reached by XXXX XXXX or XXXX XXXX. 

HSBC is refusing to provide any support after multiple calls. 

Each email I send them ignores the information previously provided and given. 

Finally, HSBC suggested I contact the merchant. However, I have already provided the emails showing the merchant isn't being helpful AND HSBC has already tried contacting the merchant ( unsuccessfully ) while I was on their line with their dispute department.

Thank you so much. I have
On XXXX/XXXX/16 I deposited a check drawn on a local bank for {$290000.00} into my business account at SunTrust Bank. After waiting two days I paid invoices to my accountant, my insurance agency for my business liability, a payment to XXXX XXXX, a credit card I use for my business, my local business tax, XXXX XXXX XXXX etc. 
In a couple of days I had received information from my accountant that their check had come back. I then received an email from my insurance agent that the check to the insurance company had been returned ( causing my requirement to obtain a money order or cashier 's check because they would not accept any other form of payment at that time ). I determined to go to the bank and resolve whatever issue as needed. 
I had called XXXX XXXX on another matter and at the beginning of the voice response on their system I was told I had a balance due ( I had sent a payment on XXXX/XXXX/16 ). After speaking with the representative I asked about the voice prompted statement. She told me the check to them had been returned. I asked about what effect this would have and she responded that they had reported a late payment to the credit reporting agencies. 
Before I could get to the bank I received a notice from SunTrust ( dated on XXXX/XXXX/16 and received approximately on XXXX ) stating that they were holding the check until XXXX/XXXX/16 because it was out of my normal activity, and exceeding the average balance ( please see attached ). Quite often my deposits are over the XXXX dollar value?? 
I went to the bank and the officer I spoke with was quite astonished this had happened. She wrote me a letter ( see attached ) to explain the bank was at fault. However, I am very angry and may move my business account. 
I am in the process of selling my home and purchasing another. This event will not help me. I can not believe a bank can arbitrarily hold my funds, I believe they should be held accountable, can you help me. 
Thanks Regards XXXX XXXX XXXX
On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with TD Bank. I contacted my bank immediately to request a refund and days later received a letter from TD Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds.
I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX
XXXX XXXX is attempting to collect on a debt from the original creditor XXXX XXXX. I never signed for up for XXXX XXXX in my name. XXXX XXXX has been collecting for such a long time, that I went ahead and added this to my Bankruptcy, docket # XXXX. They are reporting a balance, and that is in violation of the Bankruptcy law and FCRA.