WillisBack/dataset-financial-user-claim huggingface dataset:
I received preapproval offers in the mail from bigpictureloans.com. I was approved for just {$600.00} even though I wanted more, however for the {$600.00} the apr was going to be 677.83 % for 6months. so I would have paid over {$4500.00} over the duration. I thought it was not real so I called them up and they confirmed that apr. I don't think anybody should be allowed to rip off the poor like that, it should be illegal. they need to go out of business.
For years ( mid XXXX 's thru XXXX ) I have banked with XXXX XXXX in MI. It was not the best bank. The services were poor locations closed every year, they had very bad consumer tactics in trying to grow new business and finally they were shut down in XXXX by the FDIC. I know you may wondering why I stuck with this back thru their demise, but I am XXXX and have no transportation. Anyhow, after a year of sticking around thru the closing and transition to a new banking institution ( from XXXX XXXX to First Citizens Bank ) I find myself experiencing terrible service, no walk in banking location, and not enough ATM choices to access my money. Last night on XX/XX/XXXX I spent 45 minutes each on the phone numbers provided to me, trying to reach a csr using XXXX and XXXX. No one ever answered the line. I finally called a banking center at this number XXXX and reached a Csr. After explaining my frustrations the Csr helped me gain access to online banking and reset my pin for my ATM /DEBIT card after 30 minutes or more I was able to view my balance, but there were no records of banking statements available. As I move to the next day XX/XX/XXXX, I went to an ATM and I still have no access to my funds in my account. The ATM machine says my pin is till incorrect. I called a csr at XXXX AGAIN. I went on to explained what was going on again the csr reset my pin and ask me to use the closet ATM that was near me. As I used the ATM with the CSR on the phone with me the ATM CAPTURED my ATM card. I am FURIOUS. This is absolutely OUTRAGEOUS. The Csr then suggested that I call back the number on the back of the card that I no longer have, because the ATM TOOK THE CARD. At this time I asked for his manager immediately. I have not been able to access my account, get my money, shop, pay a bill since XX/XX/XXXX. The manager has stated that she will expedite a new ATM card to me. But after all this awful service my plan is to withdraw my money and close my account as soon as I can.
XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XX/XX/XXXX2017.
My brother, a XXXX veteran, died intestate on XXXX XXXX, 2015. I am XXXX of XXXX siblings, his only heirs. He lived in a XXXX XXXX XXXX in Texas. We hired a Texas attorney to file a Small Estate Affidavit. After a judge signed that, we sent a copy to his VA fiduciary. She ca n't access a CD she opened for my brother because Wells Fargo says the CD was not styled correctly. I have visited my Wells Fargo, who called their legal department, to no avail ; and our Texas attorney called the fiduciary 's bank and they wo n't help. The VA fiduciary has tried at her bank and they will not let her cash the CD to distribute the money. What can we do to get Wells Fargo to get the CD cashed and divide it XXXX ways to the heirs? Our attorney thinks the person at the bank who opened the CD for the VA fiduciary made a mistake. Should n't the bank correct its mistake? How can they withhold the money?
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX  - XXXX XXXX  - XXXX  XXXX Experian - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
I have XXXX credit inquires on my credit report with equifax from some unknown company called XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I did not authorize these inquires. Please remove immediately.
In XXXX 2010 I had a credit card that went into collections and got sold to Cheek Law offices/XXXX XXXX XXXX XXXX I explained to them i was struggling and having a hard time even keeping a place to live. They would n't work with me even then, they proceeded with a judgment against me i was XXXX at the time so i was fresh into this and had no clue what i needed to do. I called them after i got the letter from court and asked them if i needed to appear in court as well, they told me no that i did n't need to appear so i did n't go to court. The judgment was to garnish my wages. They just now put in the order to garnish my wages more than XXXX years later. This was a credit card for XXXX dollars and they are now asking for XXXX. They want to garnish my wages for {$500.00} a month. I offered them {$1000.00} to settle or i would take that {$1000.00} and file bankruptcy chapter XXXX. They still refused to take that settlement. I also offered to pay them {$100.00} a month, they refused that as well. I can not afford {$500.00} a month this will leave me homeless and possibly unemployed. I think the way they are handling things is unethical. I have explained my situation to them and they are not at all willing to work with me. I also do not understand how a lawyer can charge me interest. I also find it convenient that after over XXXX years after the judgment when the money has racked up then they all of a sudden start to garnish my wages. If they would have garnished them right after the judgment then this would have been taken care of a long time ago. I feel they waited this long to do so because they wanted more money, which is not fair.
XXXX has repeatedly failed to process information regarding my student loan deferrment from both my XXXX as well as the XXXX XXXX times since XXXX of 2015. Fielding XXXX University registrar 's office and XXXX were able to provide me with their records of contacting XXXX directly indicating my status as a full-time student since this past XXXX
A representative from UCB ( united Collections Bureau ) contacted a phone number that has not been provided and claimed that they have attempted to call numerous times while this is the first time this company has called. This number was new and the representative claimed they were calling a New York Company number. 

When asked for the name the of the company for which the person they were looking for worked at the representative mentioned the company that I am currently calling. When asked to name the company she's calling she immediately changed the subject and asked if the person worked at the company she was calling at. When mentioned to the representative that she could be transferred to the Compliance Department who can assist with the situation the representative became defensive and immediately said " No that would be okay, goodbye. ''
I had a line of credit with a local Ohio bank. I paid it off about eight months ago. The current balance is XXXX. Now I am refinancing my home mortgage with a different bank. They are saying that the bank with the line of credit needs to be paid {$350.00} for closing the account ( they have a lien on the house even though I do n't owe anything ). I never was told about such a fee at the start of this line of credit ( which I used as a second mortgage ). Normally commercial banks do not charge anything for closing an account. Is this legitimate?
I had a bank account at Bank of America in XXXX. I did bounce a check or possibly 2 and the bank repeatedly attempted to put these checks through, resulting in hundreds of dollars of fees owed to the bank. When the account was negative $ 300+ dollars or so due to these fees, I told them to close the account and that they're nuts to think they can get away with attempting to repeatedly charge ridiculous overdraft fees, keeping my account in the negative and keeping all of my money. Now it is 12 years later and Bank of America has been contacting me, and threatening to sue me for over {$1000.00} plus lawyer fees and all legal court fees, totaling over {$3000.00}. They called Monday, XX/XX/XXXX from a restricted number saying a process server would be out to my address for a court issue and to call a different out-of-state phone number if I had any questions. I called and a man named " XXXX '' bullied me, telling me I had signed a contract, that Bank of America was well within their rights to collect this debt, because I had signed a written contract, this was money fairly owed to them and that they were sure to win in court. At first they caught me off guard ; I got upset, was crying and explained that I'm on a limited income, a working class single mother. They offered to let me off the hook for {$540.00} by today, XX/XX/XXXX. However, after doing some research, I discovered that the statute of limitations is 6 years on debt collections in NY state and 6 years on written contracts. I then dug further into some legal websites and discovered that Bank of America has been trying to use a loophole in the law, claiming that people who live and opened accounts in other states have never officially " timed out '' on the statute of limitations, since they don't live in the state Bank of America is based out of. I believe they are targeting people who may fall for this nonsense, and either pay some ridiculous amount of money by a certain date or not be able to make it to court, or fully understand the law. If the defendant doesn't show up, or is easily bullied or doesn't understand the law and their legal rights, they will win their suit for an amount way over what was ever actually owed. In doing research online, its also interesting to note that Bank of America had several of their large accounts ( that they lent a lot of money to ) go bankrupt in XXXX, and may be be trying to recoup what they can by taking advantage of the working class. I notified " XXXX '' of " XXXX XXXX XXXX, '' ( the man who I spoke to Monday and today ) of the statute of limitations, he didn't seem to know or understand the laws at all and repeatedly attempted to make me doubt what I know to be true, making me question whether or not he actually even works for any law firm at all, since he has zero knowledge of the law. He went as far as to make me repeat my statement several times and seemed to find it humorous that I know the law.
I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.
I recently re-enrolled in school for my XXXX XXXX at the University XXXX XXXX. Prior to re-enrolling I called my loan servicer, Navient, and requested information on how to make sure my loans would be put into deferment during my time back at school. They informed me there was nothing I needed to do and that NSLDS would inform them when I was officially enrolled. Fast forward to a few weeks after I had been attending classes. At this point I had received a letter from my other student loan servicer, XXXX, stating they were informed I was in school and my account was now in deferment, nothing from Navient. I called Navient and was told they had no information verifying that I was enrolled in school again. I nicely pointed out I had just received a new federal loan from Navient to cover the cost of the tuition for my XXXX XXXX and it was already showing up on my account with the status of " in school ''. They said they could not do anything because the mere fact that I had a new loan did not really mean I was enrolled ( How else would I have gotten the loan? ), they suggested we conference call with the school. We called the school and they verified I was in fact enrolled in school and they had sent the information to the NSLDS and Navient should be able to see it. Navient simply stated they could n't and to try again later. A week or two later I got a call from Navient requesting I provide proof I was in school and some additional forms to bring to the school, up to this point I have not had time to get them filled out ( I work full time and attend school, when would I have time to wait in line at the financial aid office for an hour or XXXX just to get a form stamped? ), on my account it now states that my loans are " waiting for documentation of forbearance '', which is n't even what I 'm trying to do. I will eventually get the forms stamped but I find this absolutely ridiculous. First that clearly Navient is ignoring the XXXX as both my school and other loan servicer agree the information stating I 'm enrolled is there, and second that I have a brand new loan with Navient stating I am in school and they refuse to accept that as proof. Again I ask how could I get a new federal student loan without being enrolled in school?
Seek XXXX XXXX XXXX XXXX XXXX offered to get us credit cards under XXXX new companies with zero income. We were told they can get us credit cards with limits of {$150000.00} for each company. We were looking for funds to purchase a business. We moved forward with their service and they opened credit cards under my name close to {$120000.00} for these XXXX new companies. This was not enough to secure the amount to purchase the business and now they say we owe them {$12000.00} and sent us invoices.
Chase Bank bounced a check from one of my accounts and never notified us ( so that we could resolve the issue ). This has never happened before in the past regarding checks. The check was written to my daughters day care. The bank then began charging us multiple insufficient fund fees and a return fee when we had the money in our accounts the entire time. So instead of just pulling the funds from one of our other accounts. I contacted the bank to clear up this matter and they were unwilling to resolve the matter with us. My wife contacted the bank to do the same and they were very rude to her. We have been with Chase bank for over 10 years. I'm filing a complaint for " unfair business practices, '' and taking advantage of there customers.
Ally Financial/Auto repossessed my car on XX/XX/XXXX with no notice of intent to repo until XX/XX/XXXX. I contacted SEVERAL rude and uncooperative sales reps. They all had different stories and all claimed I had missed different months payments. I disputed the credit reports with 2 out of 3 agreeing with me. I have bank statements showing where I paid ahead of time on 3 separate occasions putting me 1 to 2 months ahead of time. When I was ahead and so skipped a month, then I was charged late fees and extra interest. The contract states I have a 15 day grace period to pay each month making payments due the XXXX to the XXXX but if I paid even 1 day after the XXXX, I was charged late fees. The company harassed me on 2 separate occasions so much making me believe I had missed a payment that I struggled on both occasions to make 2 payments the next month putting me in financial ruin. I had to put off other debts to pay Ally extra when I did not owe extra. The last payment I made including extra was applied completely to interest so I am told by an Ally rep. They sold my car and did not notify me of when or where the sale would be. I had no notification they were selling the car. Now they want an additional {$3600.00} and are reporting it past due as of XX/XX/XXXX when I didn't even know they had sold the car. Ally auto has put me in a downward spiral with my other creditors and ruined my credit report. It has been a nightmare dealing with them for the past 12 months. Attached Is all supporting information even bank reports showing 2 payments Ally is not even giving me credit for.
OneMain contacted at least one of my references via telephone. The caller left a voicemail indicating that they were a debt collector calling from OneMain and requesting a call back. My reference called back and was told that OneMain was a debt collector trying to get in touch with me regarding a debt. This is a blatant FDCPA violation.
I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY XXXX AND XXXX  BUT EXPERIAN WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT
This letter is a formal complaint that Nelnet Student Loan ( Nelnet ) is reporting inaccurate credit information. I am very displeased and highly distraught to find that Nelnet has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, Nelnet has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearance 's and deferment 's after XX/XX/XXXX. Since the late payments were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both Nelnet and the Office of the Ombudsman explaining that I have worked extremely hard to maintain my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
On my billing statement dated XX/XX/18 there is a line item for " EARN TAX '' in the amount of {$35.00}. I have emailed GM Financial twice to receive an explanation of what this charge could be for and have yet to receive a reply elaborating why I have this additional fee on my account.
XXXX XXXX XXXX, CT XXXX  ( XXXX  ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
This is not a request for a dispute this debt was involved in IDENTITY THEFT. 

This collection company is acting in an illegal manner. This is a part of the stall tactics that they use. They are not the original creditor. 

They continue to report a debt that was involved in identity theft. I prefer to document my contact in writing with this collection agency because they are very abusive and make threats when you call them. 

They " have '' been notified on several occasions by telephone and refuse to honor my request. 

They keep referring to me as the " right party '' when in fact I am the " wrong party '' considering this debt was involved in identity theft. 

They are not the original creditor, can not supply an original contract with my legal signature and a copy of my ID that was used for this debt. A statement provided by their client is not a contract with my legal signature and ID. 

In fact this collection agency can not produce a contract with my legal signature and a copy of my ID that was used in this debt that I do not owe. 

Identity Theft Police Report is attached for the tenth time for this company to read.
I purchased a XXXX from XXXX out of XXXX nc they financed the truck at Unifour Financial which owns XXXX, seems like a monopoly. 
The truck value was {$4700.00} but after financing it the total cost is {$16000.00} about {$11000.00} more than the truck value. 

They financed it in my name but since they could n't verify my income they had my Mother co sign, my interest rate was 27 % and after my Mother co sign the interest rate remained the same but it should have been around 7 or 8 % because her credit score at the time was XXXX. 
Consumer fraud was committed on behalf of XXXX and unifour financial because they hid problems about the truck which they knew about, like they purchased the truck from an insurance auto salvage auction in XXXX NC But failed to tell me. they failed to tell me they touch up paint and sprayed a thin layer of clear coat on the truck just good enough to sell which the clear coat and paint came off within a week of purchase. the driver and passenger floor board has rusted holes in which they hid by placing vinyl flooring over it. the steering column collar has bolts missing in which the collar is hanging down. the ignition switch wo n't work sometimes. the passenger door can not be unlocked from the outside. the transmission torque converter is slipping since day XXXX. Unifour financial wo n't work with me on anything, they do n't do deferments, they do n't refinance, nothing will they do, XXXX has had all these issues presented to them numerous time but they have always ignored me. consumer fraud has been committed by both businesses
I got a letter in the mail started that I have an outstanding balance for capital one in the amount of {$3800.00} that I do n't even know about, I currently have an account with capital one at this time in good stand