WillisBack/dataset-financial-user-claim huggingface dataset:
I went into a XXXX dealership and was told I would receive a rate of .9 %. We agreed to a price and vehicle with the specific options I wanted. I explained that my trade in was n't running ( alternator died XXXX, and I would have to go charge the battery for the trip to the dealership. I came back the next day with my trade in and was pushed off to another salesman who said that they could not honor the price or the rate that we agreed to yesterday. I had driven my trade down there already and it was n't going anywhere. I was unable to do anything but take the new terms they offered. I then met with the man responsible for the contract and I noticed that one of the options that I had requested did not appear on the contract XXXX cross bars ) and specifically asked him about that. He said that they were included with the roof rails that were on the contract. I to possession of the vehicle and made the appointment at the dealership to have the options installed that we had agreed on. After having the options installed they indicated that the cross bars were not included. I questioned the man that wrote up the contract for us and of whom I had asked about the cross bars before and he claims he never said the cross bars were included. At this dealership every person that I spoke with deceived us and then passed us on to someone else. All of these sales and finance staff acting as agents for Honda XXXX Finance appeared to have a routine pattern of deception and shifting responsibility. I am now paying more than I originally agreed for both the loan rate and options on the car.
On X/X/2017 I overpaid my account by {$270.00}. I intended to pay another account I held with Synchrony Financial. I recognized my mistake and called them on X/XX/17. I call them to inform them of this mistake. They assured me they would correct the mistake and credit the correct account. They mistakenly transferred twice that amount. They then sent a statement showing I owed {$270.00} because of their mistake. I called and spoke to 2 representatives in XXXX who told me I owed the money. I asked to be transferred to a representative in the United States. I then spoke with a young lady who could n't assure me they would fix my issue. I then asked to speak to her boss by the name of XXXX. XXXX could n't have been any more rude or disrespectful. He finally admitted the mistake but gave no assurance they would make it right. This company seems to be deceiving their customers in order to gain financially! They need to be audited federally to show this unethical practice.
Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.
We used to live in XXXX, TX and took out the Citi AA credit card. Once we moved to XXXX XXXX, we canceled the card and closed the account in XXXX XXXX. A month later we got a bill from the company saying there was a charge on the account, even though we canceled the card the month prior. Citi disputed and reversed the charge, however, they never removed the carry-over interest. As a result, we accumulated late fees on the {$2.00} of interest that was never reversed, I have called every month after getting a new statement with an additional late charge. I have offered to pay the interest, and even cover one late fee ( since I am dealing with this 6 months later ) just to get them out of my life at this point. It has been extremely frustrating to the point that I agreed to pay two months of late fees amounting to {$63.00} so that I never have to deal with this company again. They said they could clearly see the small interest amount but could n't take off anymore late fees than they already have, even though it was their mistake not to close my account every month I called. I 've felt helpless throughout the entire process, their reps have told me they would take care of it for months and having to pay ( when no amount should be due XXXX to close out a credit card 6 months later is ridiculous, but better than having it escalate further and worse, having to go through the issue with another Citi rep ...
Debt collectors sent a letter stating I owe a debt I do not know this creditor I had no dealings no contract or service through the company
Quicken Loans, Inc. XX/XX/XXXX Complaint is about the company 's method of handling escrow shortages, and their refusal to keep my monthly payment the same, even after I paid the escrow shortage. 

I received a bill for an escrow shortage, and promptly paid the bill. Then I received another notice indicating that my monthly payment will still increase because of a future escrow anticipated adjustment. I agree to pay that amount now, so my payment could remain the same. 

I was told that this could not be done, and that if I wanted to keep my monthly amount the same, then I should look into a tax exemption or find a new insurance company with lower rates. This was because of a Quicken Loan , Inc. policy enacted in XX/XX/XXXX. Personally I think this is a financial fiasco dreamt up to keep more money in their pockets. 

There is no reason why I should not be able to keep my mortgage payment the same if I pay the escrow due amount. I am retired and on a fixed income.
I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX )
I have been submitting revised tax bills via email to Freedom Mortgage since XX/XX/XXXX. I have repeatedly requested a new analysis to lower my payments. Despite repeated attempts in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I  continue to be promised they will review. The difference in my payments is {$300.00} per month lower e. ffective XX/XX/XXXXThey have also submitted the overwitihheld tax to the local tax authority. I am on the phone again today and am being told the best they can do is schedule this for XX/XX/XXXX. Can you please help me get this mess with Freedom straightened out? Thank you, XXXX XXXX XXXXXXXXXXXX XXXX Loan # XXXX
I have never been convicted of any crime, anywhere. This information is incorrect and is harming my reputation. This record is incorrect in it's entirety. The company that supplied this information is : XXXX
Citigroup has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business. 

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.
I tried to make a payment on the XXXX of XXXX and the system made me pick XX/XX/XXXX as the payment date causing it to be a 30 day late. the check submitted cleared and i was told to dispute it through the credit agencies and that it should be fixed. the company has refused to do so.
I requested to see the original contract bearing my signature and their signature not some statement or computer-generated bill and have not yet received it
I just received a letter from Equifax and the bankruptcy is still on my credit report they are telling me to contact the court. It's been 2 years and I was informed by the lawyer who filled in my behalf that after 2 years this should no longer be on my credit report. I want it removed. the letter is stating they can keep the bankruptcy on my credit report for 10 years?
I was provided incorrect information by Nelnet regarding what benefits my student loans, that are in my father 's name, are eligible for. At the time of consolidation, we were told that the newly consolidated loan could be deferred if I were to pursue further education. This was very important in our decision to consolidate the loans as we had always planned to pursue further education ( Both my sister and myself are impacted by this. She also consolidated her loans post her graduation as well ). A couple months ago I had contacted Nelnet to discuss this topic along with switching the loans to income contingent repayment. During the multiple phone calls that took place during this day, I was told numerous things about my benefits from multiple people that contradicted each other. The end result was that I was told that I could not defer my student loans while being enrolled in school. This is a clear and blatant violation of the Dodd-Frank act. I was provided incorrect information that altered my decision making and in return has resulted in financial harm. To make matters worse, I was again told I could defer my student loans when I first complained about this violation to Nelnet. Then again, they told me this information was incorrect when I contacted them via phone. I have email evidence of this violation of the Dodd-Frank act that they committed. I have contacted Nelnet again about compensating me for this financial harm they have caused and they say they can not do anything and will not admit to wrong doing. Being that this is a violation of the Dodd-Frank act I believe I am not only correct about the issue but also entitled to compensation for the financial harm they have caused.
Repeated telephone harassment of me, my XXXX adult children and ex-husband over an old credit card debt that expired under Maryland 's 3-year statute of limitations well over five years ago. Falsely claimed there is a court suit pending against me and that more legal action is pending, also false. Have asked them to cease and desist this harassment to no avail.
I was enrolled in the direct express debit card where social security benefits can be received I was mugged on XXXX XXXX and my card and cellphone along with all my Medicare medical and i.d . we 're taken which I had in my wallet I am XXXX XXXX I also am XXXX so it 's difficult to remember pin number was on a paper inside pocket of wallet the people who mugged me went and made a transaction that was in the amount of {$980.00} and I contacted the card company filed a dispute gave clear explanation to incident they set up matter for investigation I was sent a letter asking me for additional details I sent a letter with atmosphere information and the amounts withdrawn from the car XXXX transaction and I waited for a reply from the company they had decided that no incident occurred and said they were not liable for any of the following transactions and would not be reimbursed so I asked for appeal with the results I also filed a complaint with XXXX then was contacted by a employee who is in charge of the investigation team then she said she would help resolve this matter she then mailed my account activities for the month of XXXX and XXXX showing withdrawalsome on XXXX XXXX for these amounts {>= $1,000,000} I had gave a full report to her about what took place the night of the mugging also told her I had no phone to call notified them within 2 days of incident she got in touch with me telling me in order to get the results of reimbursement of funds I was going to have to provide additional information I told her that I only had the purchase record of the cellphone I got in XXXX the carrier name me XXXX and she told me I need to get video for atmosphere machine or security recordings of place where atmosphere is located at I know I ca n't obtain anything like that in any need now I have been calling the person who is doing this matter and she ignores calls I left messages no replies and sent emails no response I want you to assist in recovering my funds from this company please contact me ok
HOLLOWAY CREDIT SOLUTIONS CALLS CONSTANTLY FROM DIFFERENT NUMBERS PRETENDING TO BE SOMEONE ELSE AND HARASSING ME LEAVING RUDE VOICEMAILS RELENTLESSLY ALL TIMES OF DAY
Robo phone message. Called back phone number supplied and no one answered. Have been receiving these calls 4 times a day. When I answer the phone no one is on the line. They continue to tie up my phone line for several minutes with no one answering. 
I do not know who Vital Recovery is and have no outstanding debts to anyone. 
Their number supplied to me was XXXX. This has been going on for several months now.
XXXX XXXX is charging me for {$5900.00} for a XXXX phone i never had. Someone stole my personal info and use it in XXXX Tx. Ive never been to Texas, dont know anyone from there and NEVER had a XXXX phone in my life. I summitted to them my proof of residence in the state of Florida for the past 31yrs of my life but the charge is still showing on my credit report. I need that removed as soon as possible.
I received an online offer from Bank Of America in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair.
I created an account on TransFast ( https : //www.transfast.com ). After spending days verifying my identify and bank information, I sent my first transactions. Within minutes after sending they cancelled my transaction without telling me why, and told me I can no longer use the service. Furthermore, they maintained my banking information, and the recipient banking information on it 's website, without the ability to remove this sensitive information, nor the ability to close the account. 

I want this information removed from their website, and they would not allow me to do so.
As of XX/XX/XXXX I owed XXXX cents to the state of Indiana .. on XX/XX/XXXX th XXXX XXXX of XXXX XXXX XXXX placed a hold on my Checking account for XXXX  plus I was charged XXXX they also garnished my check on XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  I reached out to them multiple times either they are too busy and it tells you to leave a message which i did two weeks ago never received a call back so basically they have attempted to take XXXX Dollars plus for XXXX dollars I also contacted the state of Indiana as well and was hung up on by a rep which I am contacting the states attorney office next
I received a Phone Call from Endpoint resolution stating that they are representing for XXXX, And that I had to Pay them immediately! I have tried to have them to send Me a letter to verify if they are legitimate. I have been getting repeated harassing Phone Calls from various locations. And Today when I called to ask For a Letter, The person who has Been calling me threaten me and was very Rude, had said if I did n't Pay by XXXX Friday XX/XX/2016 they were going to take me to Small Claims Court.
I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.
Credit bureaus failed to provide proof that account belongs to me, and yet allowed the creditor to resubmit another account from the same creditor with the date of XX/XX/XXXX, with no balance or debt. Another account dated XX/XX/XXXX that's passed 30 days with no validation on this account.
I applied for a mortgage refinance with Guaranteed Rate, Inc in order to refinance my primary home ( XXXX XXXX, 2016 ). During this time I worked with a mortgage banker for their company in order to get a good rate for refinance. 

In the course of doing business with them, it came a time where the company refused to give me an updated Loan Estimate unless I completed a {$400.00} appraisal deposit to " move to the next step in the process. '' I paid that fee ( XXXX XXXX, 2016 ) and still was not able to receive the updated Loan Estimate. Due to this I decided to cancel my application with the bank and go with another provider who was more willing to work with me. 

After I cancelled my application with them, I was told that I would receive back my deposit, as the appraisal was never completed. I was told that it typically takes up to a week to receive back the deposit. As of today ( XXXX XXXX, 2016 ) I have yet to receive back the {$400.00} that I paid in deposit to this company.
IC SYSYTEMS CONTACTED ME, XXXX XXXX, AT WORK TRYING TO COLLECT A DEBT FOR XXXX XXXX IN MY HUSBANDS NAME. WE RETURNED THE EQUIPMENT AND PAID THE BILL. CALL CAME FROM XXXX
I received a correspondence from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX about an alleged debt. On XX/XX/XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XX/XX/XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XX/XX/XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any documents to properly validate the debt per FCRA. 
On XX/XX/XXXX, I sent another complaint through CFBP,  and they completely ignored it.
I inadvertently signed up on line with Experian for a membership which, as soon as I realized it cost, I stopped the application process ( I thought! ) A {$21.00} charge started showing up on my VISA statement. I called them. I did reach la real person. They agreed to stop the membership and the charge. But that has not happened. The charge is still appearing. I'm afraid to simply ask my VISA company to stop payment for fear doing so would end up showing up as a non-payment of something I had agreed to pay. They could negatively affect my credit rating. Today I tried, using two different " consumer assistance '' phone numbers from Experian and I couldn't get through to a person at all. This has been very frustrating!!!
On my Chase account online, Chase showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from XXXX ). This inquiry should be removed from my credit report since this is Chases fault. They shouldnt be giving me offers if they will just reject my application.
Wrote a person a check of {$1000.00} from my business account. 

Check was paid by Suntrust on XX/XX/XXXX. 

Check was paid by Suntrust again on XX/XX/XXXX. 

Person claims they found the check and deposited again thru their XXXX XXXX XXXX app. 

How can a check clear twice? 

How can a check clear twice almost a year later? 

I submitted my claim to Suntrust at it was denied because I did it after 30 days from the check being paid. ( The second check. )
I have conflicting information on address to use for my online bill payment - Looks like the company is changing the mailing address at the last minute and have not even updated the bill coupon. 

The Statement coupon says XXXX but there was an insert in the bill to mail to XXXX I tried emailing the company at XXXX with no response Worried if I use the address on the payment coupon for online bill pay, they will never receive my payment and I will be marked late and charged 24 % interest. 

Is it really possible they would mail out a statement coupon with the wrong address?
I used Paypal to pay for an online order placed with XXXX on XX/XX/XXXX. I returned XXXX items from that order to the store on XX/XX/XXXX for a total credit of {$210.00}. I also returned other items to the store from other orders on XX/XX/XXXX and saw the credits post to my Paypal account on XX/XX/XXXX. However, the {$210.00} credit still has not posted to my account. XXXX confirmed the return was processed on XX/XX/XXXX. I contacted Paypal via phone on XX/XX/XXXX and they opened a dispute. However, after I submitted the evidence showing the receipt from the store showing the return of {$210.00}, XXXX emails from XXXX indicating the items were returned, and 2 other emails from XXXX stating the credit was processed on XX/XX/XXXX, Paypal closed the claim on XX/XX/XXXX ( which their representative opened on their end with incorrect information ) and did not credit my account or provide any explanation. Thus, I am still owed {$210.00}.