WillisBack/dataset-financial-user-claim huggingface dataset:
I have had an auto loan with Prestige Financial since 2013 and everything was going great until I was in an auto accident and the car was a total lost. I contacted the lender and spoke with XXXX who advised me that we had Gap insurance ( I knew I purchased it when we bought the car ) which should take care of the amount left after the insurance payment was made. The accident was almost two months ago and the Gap insurance has not kicked in yet. XXXX XXXX ( who by the way is very nice ) contacted me today and when I called back I spoke to XXXX # XXXX, he was very rude to me. He started saying that I have a contract on this loan and I need to pay it and Gap is not going to pay all of it because of late fees, that I was never advised of, and return check fees from years ago that were never mentioned to me nor did I ever receive any communication regarding. I do not have any checks, everything was done electronically through auto draft. I advised him that I would not be in this position if the car was not totaled and I had been making my payments monthly and was in constant communication with them. He again was rude and did not care about why. I told him that I will let my lawyer handle this because this does not seem fair. He said well this is not going away and why do you have a lawyer, are you suing us. I told him that the lawyer is due the accident. He said well, this still is not going away and you need to pay. I know that it is not going away no one ever said that. I told him that I have another car that I am paying on and can not afford to make a payment today. He was still rude and asked me again why do I have a lawyer. I was not going to entertain his rudeness so I did not answer and asked him why he was being rude to me. He said well you are under contract and you need to pay. I made a payment to them last month even though the car was totaled and now they want another payment. THIS IS UNFAIR TO ANY CONSUMER WHO DOES THE RIGHT THING AND PURCHASE GAP INSURANCE TO PROTECT THEM FROM HAVING TO PAY A BALANCE IF THERE WAS A TOTAL LOST ON THE VEHICLE. the bad thing is that this is their gap insurance and I do not understand why it is taking so long to finish the claim. I was never provided the Gap company name and number for me to follow up on the claim and Prestige has never provided it to me. I have not missed a payment since I have had the loan with them. I have paid every month. I do not deserve the unfair treatment when this is not an issue that I created.
Nothing happened after making issue known. 

There was computer glitch with Transuion on 2 separate occasions, their problem and not mine which caused my inquires to be deleted then added the back without a written explanation to me about it.
On XXXX XXXX, 2017, Nationstar Mortgage, without my permission, checked my credit report. I have no idea why they are nosing around in my personal, private credit report and would like to know what gives them permission to violate my privacy. I did not apply for a mortgage with that company. They have no right whatsoever to just check it anytime they want to.
In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. 
I never gave the XXXX my new credit card number.
I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
I have  NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company (  XXXX   XXXX  ) I have never heard of or lived at. I tried disputing the account with all  XXXX  credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
I have received phone calls from a person who would not identify themselves saying they were with a company called Trans World Systems. All they would disclose was that this was about a personal business matter. I asked them three times what it was in reference to and they said they would disclose that later on. I responded if you do not disclose what this is about then I will hang up, they would not so I hung up. The phone calls came on XXXX/XXXX/2015 at XXXX two days after I had XXXX which impeded my recovery. The other call came on XXXX/XXXX/2015 at XXXX. This company has an address of XXXX XXXX XXXX in XXXX, TX XXXX. The number that they call from is XXXX is not even a registered number. The XXXX that is given to them XXXX is registered to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The other number XXXX is actually registered to the company.
on XX/XX/2017 i was in a car accident with that vehicle and it was totaled due to the extensive damage to the front end.I purchased that vehicle inXX/XX/2017. The vehicle was towed to a police impound where the company picked it up and sold it for parts with all of my valuables in it as i was not able to retrieve my belongings from the vehicle such as my laptop and school supplies, my small tv, jewelry and etc. The company charged off the account while keeping the original balance intact while deducting what they actually received from selling what was left of the vehicle. The account was charged off after i was not able to continue making the same payments because they were bi-weekly and i was out of work due to the accident. They constantly harassed me for payment calling several times a day while even going so far as to rudely tell me to " go ask your family or do whatever you have to in order to make the payments ''. The amount that i was paying before the accident was {$150.00} bi-weekly and the total loan amount that is remaining and still reporting on my credit is {$7400.00} out of the original {$8300.00} and that was were my payments left off until the account was repossessed in XXXX after they got it from the lot and closed the account and sent it to collections then the debt was subsequently charged off in XXXX as it shows on my credit report.
I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.
Performant Financial Corp did an " Hard ' inquiry ( which decreased my fico credit score. Any Hard inquiries decreases your credit scores ) without telling and/or informing me that they were going to inquire about me on my credit report. I did not sign and/or give verbal authorization as well. When I called to ask for them to delete from my credit report, Performant Financial Corp will not. When asked to provide any documentation that I gave authorization to inquire, they will not provide it to me. Per FCRA I have a right to request for this inquiry to be removed from my credit report. Attached is a copy of my credit report XXXX page XXXX inquiry down Performant Financial Corp inquiry, XXXX page my rights. Please remove from my credit report. Thank you
My mortgage is currently in foreclosure with an auction date of XXXX. The nationstar agent and i reviewed my transaction report and agreed i am no only current but ahead of payment schedule. They said they could not complete due process by the XXXX date and the only alternative, given the time frame, is to send them almost XXXX. I began in XXXX trying to find out why they think i owed them XXXX. It was the last of XXXX when i received a foreclosure letter. I have documentation but the form will not allow me to upload it.
I have lese a car in XX/XX/XXXX from American Honda finance corporation.in XX/XX/XXXX I have surrendered back the car to the dealership because I was behind on a payment and they keep calling my job and my co worker and manager keep knowing that I was behind on my payment.i felt badly but most of my co workers understand because we work at a car dealership and sometime it gets slow.The boss get me a little XXXX  car and I pay him montly for that one. In XX/XX/XXXX I have been contacted by XXXX XXXX XXXX XXXX   and they told me that they have my account at their collection dept.and they told me how much it was and they asked me if I wanted to set up a payment it could be any amount, i would have to pay {$7.00} plus that amount to the account.I make arrangements to pay $ XXXX month to my account, so all together I pay {$57.00} every month until I get a letter from American Honda finance stated that they no longer work with XXXX so I must pay them that {$50.00} every month.I stated to pay American Honda finance since XX/XX/XXXX, first they sell my account to some place I can't remember, they call me I have your account I said what account, they told me American Honda finance sell them my account I told him I pay my bill.i call American Honda finance and told them I was going to complain to you guys and they keep the account and I still pay them.my big problem is I have been always getting letter that I haven't pay them, I call them all the time I got those letters and they told me that they are going to update their system and I don't have to worry but XX/XX/XXXX they reported incorrectly to the credit bureau taking 40 points from my credit and I trying to buy a house.i call them and they said they are going to send to XXXX  I call them dispute it.today I see my XXXX report miss pay so I call American Honda finance the lady told me I have money for her from XX/XX/XXXX. what can I do.
I was charged for a purchase that I did not make : on XX/XX/2018, a charge of {$420.00} was made through XXXX ( XXXX ) on my credit card. I did not purchase this item-this charge is fraudulent. 

I immediately disputed the charge, and closed the account : however, the merchant is stating that I did make the charge. The credit card ( Citibank ) has re-charged me the {$420.00}. I called Citibank to, again, dispute the charge today. I am not sure how to resolve this back and forth : I am willing to speak with anyone to clear up the details moving ahead, but I am being unfairly and incorrectly charged at the moment.
I was contacted by CSC for billing issues with a hospital. Briefly the hospital said they would discount the bills if I paid " quickly ''. They then said to wait to pay the bills to allow it to work it's way through insurance. When it finally did, they said they would not discount it because I had waited. 

They also had bills for services which I did not request and I specifically told them I did not want. 

On XX/XX/XXXX, I notified the company in writing that they needed to stop the harassing phone calls. They continued with them : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX I told the person on the phone that I had requested they only contact me in writing. She said they had no record. 
They continued calling ... I am requesting records from the phone company. 

I called ahead to let the hospital know I was coming in for XXXX XXXX ( per a different clinic ) I arrived. While waiting for the XXXX the ER XXXX came in and told the nurse to get some XXXX XXXX. I handed her a disc and said " these were just taken, I do not want more XXXX ''. She took the disc. The XXXX dr did not do one other thing to justify any billing. She sent the radiologist in and they took XXXX. To justify billing she went against my directive and took XXXX which were not needed. She was in the room for approximately 20 seconds.
After dismissing an adversary proceeding XX/XX/18, I was told by attorneys including AES attorney that they would work with me regarding paying back loan. I am currently unemployed. AES only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and AES said nothing else was available. My loans went back to XXXX Bank  the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to AES on XXXX as I was advised to and was told again by AES that forbearance was not available. XX/XX/18 received letter from AES that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by AES even though they escalate the call. I was told by AES that XXXX bank didn't know that I had no options available.
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with callss. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started
Since XXXX XXXX I have been diligently working to improve my credit scores. 

On XXXX XXXX, XXXX my Experian score improved from Good XXXX to, on XXXX XXXX, XXXX, Very Good XXXX. 
On XXXX XXXX, XXXX my score dropped to XXXX, a 91-point drop. 

I called Experian Membership and they explained that the computer 's algorithm somehow went back and was trying to calculate a " Settled '' account from XXXX XXXX. 

I was told to screen-shot the two scores and the problem would be submitted to the technicians and resolved. THIS ENTIRE EVENT WAS A FOUR-HOUR PHONE CALL. 

The e-mail address I was given was invalid. 

I called the next day and spoke with a supervisor in Membership who promptly apologized for the rep telling me about the algorithm problem with the computer. 

I then asked the supervisor whether he could explain to me the drastic drop in my score and why there was a Late Payment now appearing on my credit score that had not been there for four months previously.
He then proceed to look at my credit report and explained that I had a derogatory account on my credit report, which was the 4-year-old " Settled '' account.
That is why there was a drop in my score.
I then asked as to why it was not scored for the previous four years and within the month, XXXX, it was scored. 

The supervisor began to tell me that I should look at the Score Simulator that Experian offers to its members and it would give me the percentage that late payments are scored into all credit scores. 

I asked of what help that would be to me since I have had no late payments in the last year. 
He did not offer an explanation, so I asked him, " bottom line, can you tell me which creditor, lender, etc. reported a late payment? '' I would like to dispute the late payment with the creditor. 
His answer was, " No '' he could not tell me. 
I then proceeded to ask him how am I supposed to dispute a late payment if your agency can not tell me who reported it. 
Furthermore, how can you place a late payment on my report when you have not knowledge as to who reported it. 
He told me " He '' did not place it there and " He '' could not remove it.
I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.
We are reporting Shellpoint Mortgage Servicing for fraud. They overcharged our escrow account ( loan # XXXX ) by {$3300.00}. 

I have been trying to recover these funds for the last XXXX months, and have spent countless hours in the process. I eventually recovered {$3200.00}, but Shellpoint still owes us {$120.00} ( see row XXXX in the table attached ) - their Escrow Department now says they cant refund this money because our loan is no longer in their system ( we refinanced with another lender ). 

Please help us to recover the last {$120.00}, and investigate this company for fraud. I think they believe most homeowners wont take the time to find their errors, and cash in accordingly. Can you imagine how much money they make if they charge every loan in their portfolio an extra {$3300.00}?
A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.
I entered into a lease agreement with Nissan Motors Acceptance Corp. XX/XX/XXXX. On XXXX XXXX, the first payment on the lease was made on their website, XXXX. ALL of my monthly payments are made online. On XXXX XXXX, 2016, I sat at my kitchen table and paid bills. The Nissan payment was never taken from my account. I did not realize this had occurred until I logged into my account in XX/XX/XXXX to make the XX/XX/XXXX payment. They indicated that there were attempts to contact me, however I never received a voice mail from anyone at Nissan. They are unwilling to work with me to clear the late pay from my credit report. This is nothing more than a misunderstanding, and I believe that the consumer should be given the benefit of the doubt. I am attaching the email sent to one of the Managers in the Collections area. The email was sent to both his personal and corporate email address. When I spoke with XXXX today, she again indicates the payment has not been made. I made the payment on XXXX XXXX. Also attached is the letter that I am sending to their Consumer Affairs Department. I am a very frustrated consumer.
I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.
When I learned Navient had my student loan, I contacted Navient to apply for Income based repayment as I could not make the high monthly payment they were asking. They told me I qualified only later to find out I was on a forbearance.. About 2 months ago, I wrote to Navient asking about a Loan Forgiveness because XXXX XXXX XXXX closed all schools and I believe I was entitled to this. I have yet to receive any information from them. Navient has not communicated with me about this matter.
On XXXX, XXXX XXXX, 2015, my XXXX XXXX XXXX card was rejected for the payment of a {$130.00} bill at a XXXX XXXX XXXX XXXX XXXX XXXX. I had made purchases at this store many times in the past. The cashier informed me that I would have to call the credit card 's customer service number to resolve the issue. The XXXX customer service representative informed me that the card was rejected because the merchant was deemed a fraud risk. He was unable to provide me with any policy rules or payment ceilings that would guide me in future purchases, but he assured me that he had cleared my card for the immediate transaction while I was on the phone. 

I then called my XXXX account manager to join me on another call with XXXX XXXX customer service. It took 15 minutes for XXXX XXXX to go through a very long list of questions to verify that I was a co-holder of the credit card. This person then advised that several recent small transactions had 'flagged ' our credit card as at risk for fraud or theft as this is a common sign of illicit activity. Please note that all of these 'flagged ' transactions had occurred at local vendors we have been to on a regular basis to make frequent small purchases. She said that our home phone number had been auto-called to warn us of this flagging, but no message had been left when no one answered. The XXXX system then closed our account down when my transaction apparently triggered their security system 's program for possible fraud. She agreed to add my cell phone number to the account and said that now the all clear had been given for the {$130.00} purchase at XXXX XXXX /XXXX . 

My card was again rejected on my second trip to the same store for the same purchase. My husband then called XXXX XXXX and was told that it sometimes takes XXXX rejections to clear a flagged transaction. This representative could not provide a reason why the in-store cashier could n't ask for a photo ID and address to prove that I was the cardholder. 

I was finally able to pay for my prescription medicine on the third trip in 4 hours that day. However, my husband and I clearly remain at risk to have our credit card denied at any time. The reasons remain murky, but apparently have everything to do with protecting XXXX XXXX from loss at merchant locations attractive to thieves and nothing to do with any fraudulent activity associated with our card. I would expect that most stores in XXXX have some fraudulent credit card activity. However, it should be illegal for a credit card company to decline a card that has no suspicious activity merely because other people commit credit card fraud at the store. People should be judged on their activity - not on the store 's activity. Consumers should be allowed to make credit card payments without the fear of in-store humiliation and undeserved hassle. 

My husband and I have an excellent credit history and have never been late with a full monthly card payment. We would welcome a security system that has a mandatory XXXX-number PIN code input required for all transactions. Should this current risk assessment program deny any of our future transactions, we will cancel our XXXX XXXX card immediately.