WillisBack/dataset-financial-user-claim huggingface dataset:
On line loan.. Every time I log into the website onto my dashboard, I would receive an email of adverse action stating that I applied for a loan on that date, the date i visited my dashboard, and that they were not able to refinance my loan, this has happened more than 3 times, at no time did I ask to refinance my loan, I did not give them permission to pull my credit report, this alone is a violation on their part, I still have the emails of adverse action in my computer, after checking for complaints with the XXXX I have found that I am not the only one who has experienced this. On top of this Avant holds all documentation, consumers are not emailed the documents concerning their loans ... interest is compounded DAILY ... There are deceptive and unethical acts practiced by this company. Every time I complain to the " customer representative '' about what happens when I visit my dashboard I get the response that it will be reported to their IT Department, do they even have an IT Dept?. No attempt to correct this is made on their part, all one has to do is just log in to their dashboard and this will happen as soon as one logs out. This company signs your name electronically to do this, They still have to have your permission to sign electronically, this is yet another violation. This is done even when you need to change your payment date and they talk so fast so that you can not understand what is being said even when you ask them to repeat it they again will talk fast that it sounds like words are jumbled together, this is deception. The times I talked to any representatives, this would be the reaction i would get. I am looking and will be pushing this into further action.
On XXXX XXXX 2016 I attempted to rent an apartment locally in XXXX New Mexico, I was told by the apartment that I had a balance owed to a previous landlord and I must contact said XXXX XXXX XXXX to see if I could get balance paid off, on Monday XXXX XXXX I contacted the property management company and they told me that I must contact Southern Management Systems Inc to get a payment made to them. I contacted this company and spoke with a person by the name of XXXX XXXX, even though XXXX XXXX was very rude and condescending I chose to continue the call to see if I could resolve those debt so I can continue with my life. I offer him a settlement which he declined and mention that he would only accept XXXX as a settle for this XXXX dollar account. I promptly replied that I was sorry but I could not afford said amount at this time and XXXX XXXX rudely told " well there is nothing I can do for you, goodbye '' I tried to get a word in however he hung up the phone on me. Approximately 2 hours later I called again to see if I could offer to pay more to his company to resolve the issue, I made a total of XXXX phone calls before I was finally able to speak to someone, I was once again transferred to this rude person, I explained to him that I was advised by a lawyer to pay off this debt, he immediately cut me off and said " you have lawyer? '' Without letting me explain or respond he said " this call is over, I do not want to talk to you '' you have a lawyer and I do not want to deal with you '' he immediately hung up the phone in my face for the second time.which to me seems very suspicious to me, for someone to act like this with someone who is attempting to pay a debt. I was so appalled and distraught at how I was treated I felt like my whole world was spinning out of control and I was being mistreated and felt lower than a human being. Right after that conversation, I went online and looked up this company and there are countless complaints against these people for the way they treated debtors. I called this company 8 more times and in attempt to reach someone, on the 9th try I reach this receptionist who told me that upon looking at my file that it does n't seem like they would want to talk to me, I said I need to speak with someone to resolve this issue and make a payment, I was transferred to XXXX once more who seemed to be laughing at me trying to explain that I do not have a lawyer and all I wanted to do was pay my debt, he sarcastically replied, " I 've told you to not call here again, I do not want to talk to you, do not call us, I repeat do n't call us again, good bye XXXX. '' This company have treated me so unfairly when all I wanted to do was make a payment to them, this company has no right to treat me in this manner. They have lowered my self esteem and made me feel like I was nothing. They did all this, and still have not allowed me to pay off my balance on, they 're holding my life hostage and they 're holding me hostage, it seems like this is a joke to them. Please help me!!! All I want to do is pay these people so I can move on with my life and rent an apartment.
I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
I received many payloans over the years from Easy Money. Normally they are easy to work with ; however since I have to keep re-borrowing to pay bills you get in a cycle where you can't get out of them without penalty to your other bills. The fees are {$87.00} to borrow {$500.00} and I'm sure over the years they have got me for over {$2000.00} or even {$3000.00} in fees. 

I called Easy Money today, XX/XX/2019 at the XXXX, Alabama location. My loan was due XX/XX/2019 and I lost my job on XX/XX/2019 and am having to move and I didn't get a lot on my last check. My tax return is supposed to be deposited on or around XX/XX/2019. They had called my phone at least 4 times over the weekend and twice this morning ( XX/XX/2019 ) and didn't leave a message which is annoying. I knew I needed to take care of it so I called around XXXX XXXX XXXX XXXX  to the local store and identified myself. I asked that since I lost my job and my income tax was coming back on XX/XX/2019 if they could hold it until then and I would take care of it. The girl named XXXX said " absolutely NOT '' with an attitude and I told her they have done that before for a few days to let me take care of it. I specifically asked her if she had deposited it yet and she said either today at XXXX XXXX   or tomorrow at XXXX XXXX the check would go in. I specifically asked her again if she could please hold the check for 3 more days so I wouldn't get any fees. She said " absolutely not '' with attitude and I told her the check WOULD bounce if she put it through at those times and she said " you'll incur fees at your bank AND with Easy Money. '' I told her I would get it back by them taking it off the loan when the check came back and she argued with me and told me she was just sending it through immediately since I made her angry apparently. She maliciously and knowingly put the check through to incur fees when I told her specifically I could take care of it in three days. My bank will charge me {$40.00} for the transaction and Easy Money will charge me {$30.00} or something like that. It will cost me {$70.00} extra. Again, this was malicious and deliberate in order to get fees. 

In the past I have called and said I had issues and they sometimes hold it until I get can back and take care of it but XXXX refused and told me I was out of luck and she was sending the check through in order for me to incur extra fees. 

I wish you all would shut these sharks down. I do not plan to use them anymore, even if I have to eat out of a paper bag behind the dumpster. They are crooks and ripoffs and should not be in business. 

I will enter my mailing address as I don't want Easy Money or CFBP to send any mail to my actual house address for others to see. 

My home address is XXXX XXXX XXXX, XXXX XXXX, AL XXXX ; however please do not send any mail here, please use XXXX XXXX XXXX address for any correspondence.
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
XX/XX/XXXX I reported XXXX  that this account was not mine it was fraudulent account but it came back with results it belongs to me. XXXX XXXX XXXX with {$320.00}.
I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.
XXXX and United collection service are letting thousands of dollars in XXXX county fire rescue bills be double billed just different prices we XXXX  is wanting me to file a third dispute when after closing the first they after me calling removed one
I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening.
My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.
Transunion is the reporting agency that did not send me a notice or written notice that I have the right to dispute this debt.and attachment XXXXf ( 1.8 mg ) is already on file with cfpb. now of what douctment was made againt me.
I have submitted numerous requests to Equifax to provide the method of verification, with whom the information was verified, and how the information was verified. The only answer I receive is that the information was verified and updated through XXXX. This is incorrect as XXXX  is not the original reporter. Federal Bankruptcy Court in the Middle XXXX XXXX XXXX is. XXXX  has provided incomplete and unverifiable information to Equifax, XXXX   and XXXX. XXXX is not the original furnisher of information. They are a third party information vendor that sells whatever information they get their hands on as accurate. I wrote to the Federal Bankruptcy Court and asked if the Court provides any personal identifying information to any of the credit bureaus. The answer that was received stated the Federal Bankruptcy Court does not provide any information to third parties such as XXXX, Equifax, XXXX  and XXXX. That tells me that the information that was used to " verify '' the bankruptcy information was taken from the P.A.C.E.R. System which is heavily redacted. One question I have is how can XXXX delete the information and Equifax and XXXX   not do the same. I sent XXXX the same information and they understood the bankruptcy information was unverifiable and had to be deleted under the Fair Credit Reporting Act. This will be my final attempt to seek their adherence to the FCRA. The next step will be legal action in the Federal Court System. The bankruptcy docket number is XXXX.
I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.
Navient has been reporting me as 30, 60, 90, 120 days late on my student loan while I am on hardship forebearance. I have the physical paperwork reflecting all of this as well as the e-paperwork. My credit score has gone down XXXX points in the last 30 days because this is the only time I have ever been reported for being late on a payment. It destroyed my plans of buying a car and has costed me who knows how many job opportunities as I 've also been attempting to change career fields. Now I think I know why I mysteriously was having an extremely hard time getting calls and interviews more so than at any time in my entire XXXX years of life. I will take them to court I will blast them on every web site in existance every day if I have to because this is CRIMINAL.
Received numerous phones call regarding a possible debt that someone else possibly did. I have had my identity stolen and filed all proper paperwork with the FTC, the Police department, Social Security administration and the FBI. They have called my parents home, my unlisted cell phone and made a number of threats. I have called and explained to them that this is not my debt and my attorney will be contacting them.
I ca n't keep my home due to medical expenses, death in my family and currently unemployment. We opted to short sale the home and hired a Realtor on XXXX XXXX, shortly after we got an offer on the home and it was submitted to flagstar as instructed with all the supporting documents NOW on XXXX XXXX I was told that someone would be contacting me for an appraisal on the home and that they had a complete short sale file. On XXXX XXXX a person by the name of XXXX XXXX showed up and performed the appraisal as scheduled. I called Flagstar several weeks straight after that to see if they had the report already and I was told multiple times by several representatives that the appraisal report was n't in yet BUT that it sometimes takes 30 days for them to get a report. On XXXX XXXX I called to check on the report and was told by XXXX that the appraisal company had been trying to get a hold of me to schedule the appraisal and that they had NOT been able to make contact. I explained to XXXX that the appraisal had already been done and that we were just waiting on the report I provided the name and phone number of the person who had performed it and XXXX XXXX confirmed the information on XX/XX/XXXX BUT they keep on insisting that the appraisal never happened. I have left their " supervisor '' several messages XXXX XXXX ext. XXXX BUT have NOT heard back from her as of today. On XXXX/XXXX/16 I called and was told by XXXX that the appraisal order had been canceled on XXXX XXXX because the appraisal company was n't able to get a hold of me. PLEASE HELP in getting to the bottom of this situation. I have attached the written communication that my Realtor has had with these people. Thank you
On XX/XX/XXXX my Equifax score was XXXX. 
On XX/XX/XXXX my Equifax score was XXXX. A drop of 22 points. 

There were only 2 changes to my Equifax report : an improvement of {$2600.00} in my XXXX balance, and an improvement of {$400.00} in my XXXX XXXX balance. 

What happened?
I had a XXXX year HEOLOC. with Wells Fargo Bank ( WFB ) The draw period, I thought was to end XX/XX/XXXX. WFB called XX/XX/XXXX and deceptively asked me to accept a fixed rate of 6.35 %. Believing I had to refinance, I unknowingly agreed to this offered interest rate. Unbeknownst to me, my HELOC had a role over clause. Meaning, that the contract had a conversion clause stating that at the end of the Draw Period the Loan would roll over to a Repayment period. The fixed interest at the conversion date would be based upon the Prime Rate ( 3.25 % ) plus 1.85 % margin. Being Naive and trusting of WFB I accepted with the caveat that it was to convert XX/XX/XXXX ; or the date of the loan conversion according to the loan documents. 

I signed a note to accept the interest rate and not to draw any more money from the HELOC until the conversion date XX/XX/XXXX.. That signed note only says I agree not to draw any more funds through the conversion date ( XX/XX/XXXX ) It may have said I agreed to the offered interest rate, but I 'm not sure. That signed note says nothing about early conversion. I stated and their representative confirmed that I would only accept the conversion if it started XX/XX/XXXX, the conversion date. I have asked Wells Fargo for a copy of this note and other claims they have made, but they have not provided me anything. I did made it clear that I accepted this only if the conversion date was to start at the end of the draw date XX/XX/XXXX. 

Not knowing that WFB had prematurely converted the loan and expected payments of {$480.00}, I made payments XX/XX/XXXX through XX/XX/XXXX based on the Interest only payment clause of the HELOC agreement, or approximately XXXXmonth. 

I believe Wells Fargo knowingly used deceptive, unfair, and misleading information, as well as knowingly omission of relevant information to trick me into agreeing to a higher fixed interest rate. They out right deceived me when WFB prematurely made the conversion XX/XX/XXXX. I believe WFB knowingly mislead me to advance its interests by not providing me with adequate and truthful answers to questions I posed to the WFB representative with regards to interest rates options, and conversion dates. Wells Fargo knowingly deceived me by not disclosing what my interest rate would likely have been had I waited until the conversion date. WFB used unfair business practice by converting my loan prematurely. 

XXXX Issues1 ) WFB converted the loan XX/XX/XXXX, or XXXX months before the agreed upon conversion date. This has cost me over {$1200.00} in interest payments that should have been partially applied to the principal. In addition I have accrued over {$400.00} in late fees as a result. 
2 ) WFB used false and misleading information to get me to agree to a interest rate higher than I otherwise would have had, if WFB had not mislead me on the terms of my HELOC loan. 
There is an issue about being over my limit. The terms of the contract says that WFB could at any time extend my credit limit. XX/XX/XXXX they did and they sent a letter confirming that. However I can not find that letter. I agree with WFB that I was over my limit.
self lender/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.
To whom, It may concern. I owed XXXX XXXX XXXX XXXX last year. We agreed on a payment plan of XXXX USD per week and I also told them I will pay them in full upon sale of my primary residence. The loan was unsecured consumer loan. I made payments of XXXX to them, which was more than the agreed per week. American Express however hired XXXX and XXXX XXXX. A firm with a very bad reputation. XXXX on behalf of XXXX XXXX XXXX filed a judgement over me and won without ever serving me a summon and complaint. As a result my Bank account was frozen even though 90 % of deposited money in the account was from wages. As a result, I have no money to feed my kids and even go to work. This now might result in me going delinquent on my mortgage and loss of equity and property. Please Help me. 
Thanks
My student loan is a spousal consolidated student loan. Unfortunately, I am divorced and the " primary '' borrower is my ex-husband. I have a very difficult time accessing information to my/our account. When I call I am told that I need to get permission from my ex-husband to change login information, to have hard copies of statements sent to my home, and to have documents printed with my name. 

I am the one that pays for this account and I feel that I should have equal, if not exclusive, access to information.
I have received a call from Lanier Collection agency on a few collections I have in there office. Not once was I given proof of the bills. The lady did not mention to me that it was an attempt to collect a debt or anything in that sort. I personally work with a collection agency and know the laws. I wanted to make a complaint before my attorney out of XXXX gets involved.
I received a credit card offer in the mail from Fidelity, in XX/XX/XXXX, for their credit card Fidelity rewards Visa signature card. The offer stated the credit card had 0 % on purchases and {$150.00} cashback when I spent {$1000.00} in 3 months.I applied for this credit card and was approved by XXXX. 
I sent Fidelity photocopy of this offer twice, but have not been successful in convincing them to apply this offer to my credit card.