WillisBack/dataset-financial-user-claim huggingface dataset:
Date of telephone conversation : Friday XXXX XXXX, 2017 Name of Company : Asset Recovery Associates, Inc. XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ( XXXX ) XXXX Let me first state that I had just recently had XXXX and was not totally coherent when the call came in. I had a very terrible experience. I received a VM message and called them back only to be threatened that if I did not pay ( mind you this goes back 24 years ) that they would notify all my creditors that I am a high risk and that all of my credit cards would be cancelled. I was given two options ( 1 ) accept settlement offer now ( 2 ) if I do not accept settlement offer now, that if I called back, it would not be honored. I advised the person that I felt this was a threat and wanted to check with my attorney. All I was asking to do was to have the opportunity to check with my attorney to see if this call was legitimate and not a scam. The representative kept me on the telephone for one hour 26 minutes making every attempt to wear me down. She finally wore me down and was able to put the majority of the money she was trying to collect from me on a bank transfer and the difference on a XXXX. She kept telling me that a Judge had issued a judgement and that it was going to Federal Court. After serious thought and consideration, I realized that there was no way that a Judge had issued a judgement and was filing in a Federal Court. I then requested a copy of the judgement etc. and she refused to send to me stating that the offer would be off the table insofar as a settlement offer. The representative was very rude, threatening and condescending in her conversation with me. They started out with a 50 % discount if settled now, followed by an additional 3 % for senior citizen discount. They prey on senior citizens in hopes that you will fall for their line of XXXX. I did unfortunately and feel really stupid.
The Maury Cobb Attorney firm is responsible for collecting a cell phone debt that I have with XXXX. When I left XXXX, I was told by the XXXX representative that as long as I paid {$30.00} per month, my account would not go into collections. This did not turn out to be the case. A representative from the Maury Cobb Attorney 's office has been calling myself ( XXXX ) and my wife ( XXXX ) a minimum of once but usually two times every day despite having setup a the same payment plan of {$30.00} per month with them.
I had the conversation with two different representatives regarding my payment plan over a two week period. I asked the second one if they were planning to continue calling me even though we set up a payment plan. Their response was yes. At this point, I informed the individual that I did not intend to answer any additional phone calls from the law firm as I am paying my bill as agreed. They stopped calling for a couple of days, but then have started back to calling at least once per day. Calling both myself and my wife daily at least once but usually twice seems like it would categorized as harassment. I hope that you can help me out with this matter. Here are some of the phone numbers that call me daily : XXXX, XXXX,
We paid {$10000.00} in  XXXX  on Student Loan managed through Aspire. Aspire is reporting us 90 days past due but our credit report for  XX/XX/XXXX  as well as  XX/XX/XXXX  shows the student loan status as current. This 90 day delinquency has resulted in a   XXXX   point drop in credit score. Upon seeing this on the report, I made payments to bring the account current and sent in an auto-pay authorization form to prevent future late payments. I contacted Aspire to ask them to rectify this inaccurate reporting of my account standing as my credit score has been significantly diminished. But they have refused to remove the lates from my report. I have had impeccable payment history on this account as well as my credit card accounts for many years.
XX/XX/2018, After calling i asked about refinancing my vehicle i was directed yo the Capital One Auto Finance website. I get pre approved with XXXX credit score and acceptable loan terms a soft inquiry was used. I continue the online application process same terms and a hard inquiry is stated and agreed singe the loan terms were acceptable. Upon completing my esignature i realized i omitted my apartment number and immediately called the number on the website to correct my address. The rep asks if my loan company is open and as i search for the number i mention my lease. To which the rep states they don't do anything with a lease. I state your website doesn't say that! I just was approve and now a hard inquiry ous on my credit report. If you are not paying off my lease then that needs to get removed. Your website doesn't clearly state this or warn customers you dont finance lease purchase. She stated she couldn't remove the inquiry. I asked for ca supervisor. I was transferred to a gentleman by the name of XXXX at XXXX XXXX. He proceeded to tell me about lease financing, which i interrupted him stating I've financed and leased 4 or 5 cars and fully understand leasing. Your website allowed me to complete and esign the loan and neither before during or signing does it say leases are not b able to be financed. He said yes it does in the FAQs. I replied. I've financed several vehicles. I know my credit is solid i was instantly approved, signed docs only to call back to correct my address then find dont finance lease purchase. I demanded someone anyone to fix this and remove the inquiry. He proceeded to direct me to the office ood the president or to go through the dispute process and they would look at it. I completely disagreed with this staying this isn't fair and isn't right. The website is not clear and upfront this and the inquires need to be removed.
Firstly please let me state that I am a victim of identity theft. I have a current police report on file with XXXX and a federal listing with the FTC VIA XXXX. The alleged debt that I am seeing on my credit report was previously removed, sold or transferred, re-aged and then showed up with this current company 's name but the old debt collector 's address the DAY after I filed my police report with XXXX XXXX Police Department. United Financial Service of XXXX XXXX XXXX has disregarded 2 previous attempts to validate with XXXX certified mail return receipt. They call my cellphone very early in the morning ( XXXX ) and also very late at night XXXX XXXX XXXX. They are harassing my family and friends on their cellphones and also calling my current and former employers. I don't even know what this debt is for and other that this derogatory mark I have 100 % perfect credit.
My loans including capitalized interest was {$23000.00}. I have made {$3400.00} in payments XXXX, however my balance including interest is {$21000.00}. Even after I calculated the interest rates of my loans and how much interest there would be there 's still several XXXX dollars I ca n't account for. This made me look at the federal website to see what information they had on my loans. The federal website says that I have {$8.00} in outstanding interest, but Great Lakes says I have {$30.00}. Because of these inconsistencies I asked my borrower Great Lakes to notify me how much outstanding interest each loan had at the time my grace period ended, then in XX/XX/XXXX and in XX/XX/XXXX so I can verify that 1 ) the correct amount of interest was there based on my interest rates and 2 ) as much money as they said went toward the loans did. They have not provided that information. I think they are putting incorrect values for outstanding interest that no one can confirm which allows them to collect more money and makes it more difficult to pay down principal balances on loans which would be an illegal practice.
I had a five year loan with Drive Time, I did XXXX deferments with them. I had a few late payments, although I did send extra money. My loan was supposed to be paid off on XXXX XXXX, 2016. According to their records, due to late fees, my loan was to be paid off by XXXX 2016. I was in the process of buying a home, and I wanted to get this loan paid off. I paid it off, I gave them XXXX dollars XXXX, then XXXX dollars more on the XXXX. My Mortgage lender had emailed me and said they had lowered my credit score. I could n't get approval for a loan for the house. I called Drive Time and tried to figure why that happened. They kept telling me it was late fees, but I knew I did n't have that many late fees. Then on XXXX XXXX, my daughter got on the phone with Drive Time and we tried to reason with them, but they would not listen. I feel they did me so wrong with effecting my credit score that I was unable to buy a home. I feel everyone should know about Drive Time, how unfair they are.
I am filling a dispute on American Express regarding the delay on releasing my rewards point. I had been told that the issue would be resolved 6 to 8 weeks after I hit the minimum spend. This is now the 10th week, and my account is still under review.

I have been on time with all of my Amex credit cards ( one personal platinum card, one business platinum card, and one blue cash card ). Moreover, payments on the card with bonus offer have met the amount that the promotional offer requires.

Amex can not give a proper explanation other than telling me that they have no access to the back office. I have complained more than five times and have had them elevated the issue to the back office but nothing was given back to me. I would like to have an immediate release of my points since originally I have over 50,000 points that were accumulated by my daily purchases. Now they have been freezing my points since XX/XX/2018.
I have been receiving numerous credit card offers by mail, from Capital One, which gave me false pre-approval odds. I applied to the offer enclosed in the mailing, and was denied. I believe it took a hit to my credit! I only applied due to the many offers I received!
I wanted an internet service and I went to XXXX XXXX located at XXXX XXXX and XXXX in XXXX Texas. They gave me a modem and I installed it but it was not working. I kept calling them so they can guide me with the installation. It worked for a day then I was no longer getting Internet connection. I went to a XXXX store close to me in XXXX to return the modem, they refused to take it back. My personal car broke down and I was driving a company vehicle which I could not use for my personal errands but every XXXX store that was on my way I stopped to return the modem but they were refusing to take it back. 
Finally, I had a job around XXXX and XXXX XXXX I left the modem with a XXXX clerk by the name of XXXX. But he told me even though I brought the Modem back, I still was going to pay for it.I got the Modem onXX/XX/XXXX and I returned it sometimes early XXXX for the reason I stated above. 
Next thing I know, I received a bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX Dollars. I called them to ask where this amount came from, did not get a satisfactory answer. 
Next, another bill from XX/XX/XXXX - XX/XX/XXXX in the amount of XXXX dollars. 
Next another bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX dollars Next another bill from XX/XX/XXXX - XX/XX/XXXXXXXX in the amount of XXXX Now they put me on collection and said I owe them XXXX. 
I do not have the money to hire a lawyer that is why I am turning to you for help
I received a letter from Wells Fargo saying that the volume of activity on my account was suspicious and if it continued they would close my account. I stopped using the card the day I received the letter, but they still closed my account. I would like for the account to be reopened.
A computer glitch occured through TransUnion where all inquries were removed, but after awhile they all reappeared, this is TransUnion 's problem which my inquiries to be deleted not mine. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The rep explained she could do 2, but it affected everyone. These inquiries add a hardship and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.
On XXXX XXXX, 2017 I made a deposit at a Wells Fargo branch office. The deposit consisted of XXXX checks and XXXX money order : {$1100.00}, {$930.00} and the money order for {$600.00}. The total deposit was {$2600.00}. 
I did my account reconciliation on XXXX/XXXX/2017 and noticed that the bank had credited me to much money for that deposit. Apparently, they credited me XXXX for the {$1100.00} but nothing for the {$600.00} money order. Their records indicated a deposit amount of {$3200.00}. 
Thus, the bank credited me {$520.00} to much money. I called wells Fargo and told them they had credited me to much money. They thanked me and I thought that the issue was resolved. The reference # for this conversation was : XXXX. 
The issue was not resolved. 
First, I received an email then written confirmation that Wells was charging me {$12.00} for a returned check item for the {$1100.00}. Wells also immediately debited my account for that amount but did not credit me for the {$600.00} money order. 
I called them on XXXX/XXXX/2017 and Wells told me they understood the issue and someone would call me on Monday XXXX/XXXX/2017 to make sure I would be credited the {$600.00}. 
No one called me. 
I called on XXXX/XXXX/2017 and spoke to XXXX in the customer care department who gave me a case number of XXXX. She told me someone would call me back within 1 business day. No one called. 
I called on XXXX/XXXX/2017 and again spoke to XXXX in the same department who assured me this would be taken care of that day and that someone would call me. No one called. 
on XXXX/XXXX/2017 I called again and was routed to three different people ending up with XXXX ( direct # XXXX ) who told me she was working on this issue and would call me back. No one called me. 
All I want is to have the money order I deposited in the amount of {$600.00} credited to my account and Wells Fargo refuses to do this. Essentially, Wells Fargo has stolen {$600.00} from me. I have truly spent over 4.5 hours so far trying to resolve this issue. 
That 's what you get for trying to be an honest person. 
Can you help me. 

I
Discrimination, harassed, treated poorly and humiliated over several months by several representatives at Wells Fargo. 
They mis represented themselves, lied and tried covering up. 
My request for a refinance was made almost impossible and they threw in a Home Equity loan, but never explained costs until closing on the mortgage and forgot to give me a HUD report for the equity loan. 
Each agent was rude, mean and demeaning and got angry with me on the phone. 
I am XXXX, have a pension, XXXX and not physically well.
Southwest Credit Services put a collection on my credit report onXXXX for XXXX XXXX and then posted a false payment on XXXX to keep it on report. XXXX XXXX has no record of me having an account with them using my name, address, old phone number and ssn. I have never been contacted by Southwest. If a true payment was made I want to know the account it was paid from because it was not mine. Southwest has many similar complaints on XXXX.
XXXX XXXX XXXX illegally collected and held protected SSI Funds, with out performing proper account review. Took advantage of a venerable XXXX person by not releasing the funds, and would not provide any documents pertaining to her frozen account. Would not release funds until I advocated for my mother, showing this act violated ( 31 CFR 212.2 ), ( 31 CFR 212.4 ), ( 31 CFR 212.5 ), ( 31 CFR 212.6 ) and ( 31 CFR 212.7 )
I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from XXXX XXXX but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and Bank of America took two payments from my XXXX XXXX XXXX   Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXX XXXX   account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by Bank of America taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a Bank of America branch to open up a new checking account and they would see if they could return the funds to a Bank of America checking account. I did not want to open up an account with Bank of America because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXX XXXX to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXX XXXX   and {$82.00} worth of fees with Bank of America because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally Bank of America has  recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX   checking account. Even after the Bank of America staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against Bank of America because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Trans union has not removed negative information about my bankruptcy. I 've contacted transunion on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on my credit report.
i was trying to buy a car, this is how I find this deb that is not beyond to me, I been disputing this with the collection agency for more than 2 months with no answer about my situation, every time I call them they put me and hold and disconnect my call, about a months ago they send me a letter saying that I ask from all credit bureau to remove the collection from my report, XXXX and XXXX did already but im still having it on XXXX which its been impossible for me to remove it, I never had a XXXX before,
I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX. XXXX
My complaint with XXXX is usury high interest rate that was n't on what I agreed with the officer did informed about the loan would be XXXX $ but when the loan was typed it was a totally different number at XXXX I never agree to this until after I realised this loan will never be paid off