WillisBack/dataset-financial-user-claim huggingface dataset:
I had a new Car Loan with Chase Bank, my then husband and I were both on the loan. He filed bk we divorced and in order to continue the loan I had to refinance the loan. I refinanced the loan with XXXX XXXX XXXX XXXX. I was the only person dealing with Chase, I had no address for my ex-husband, and Chase sent him the Title. He then took the title and registered the car in his name in the State of AZ. He threatened me if I did not give him the car he would report it as stolen. I went back to Chase Bank asked they why they sent the title to him? They tried to correct it, by requesting a duplicate title, but could not. Now I am stuck with a loan, he has a title that does not have a lien on it. I asked XXXX XXXX XXXX XXXX if I could do a voluntary repo, and then catch the note up and was told can not, because they do not have the title. Chase Bank caused all of this confusion, and this loan should be paid off by them, or they need to locate the car and return it to me.
Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.
I submitted paperwork to the mortgage servicer regarding a short sale and this company is giving me the round around, in fact they are working hard in foreclosing on my house, I have submitted my financial statements, a purchase contract have been accepted but they have not approve my short sale
I had purchased a firearm through XXXX XXXX XXXX, a subsidiary to XXXX XXXX XXXX XXXX, through their line of credit for {$700.00}. my initial intention was to pay the minimum payment until I accumulated enough money to pay it off directly to avoid APR. I purchased it in XX/XX/XXXX and the first payment was due on XX/XX/XXXX. I linked my XXXX debit card to the account online and made my first payment of {$27.00}, their minimum payment onXX/XX/XXXX at approximately XXXX. When I made the payment, it was taken out of my account and noted in my transaction record. About a week later I received a notice from XXXX XXXX XXXX  XXXX through email stating my payment was declined and to try again. I promptly called their corporate office to which no one could give me an answer and they kept transferring me to other offices and their representatives kept answering around my question. I called my bank and they told me that there was n't a problem on their end and that everything was fine on their end. This has happened on four occasions now and I recently received a call demanding payment from their corporate office in XXXX XXXX, Ohio. I now have a late fee of {$68.00} because of their incompetence. On top of this, I am trying to open a business and I am concerned that these events are negatively affecting my credit score and are hurting my chances of starting my business. I would like at the very least, to have this case investigated and my overage fees taken care of and given a resolve to my issue. Thank you for your time.
Welcome bonus discarding. 

In XX/XX/XXXX I applied for American Express Cash Magnet Card, I was approved and spent described amount of money for welcome bonus. 
I did not receive welcome bonus. 
After multiple attempt to determinate cause of issue, I had phone conversation with customer support XX/XX/XXXX 25min, XX/XX/XXXX 42min, XX/XX/XXXX 35 min, finally only at XX/XX/XXXX I received clear answer that i am not eligible for that offer because I have another card with American Express. 

In agreement " OFFER TERMS Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' Complains : 1.Not described clearly that this offer valid only for new customers. 
2.It takes 3 months for customer support to give me answer why offer was declined.

3.I didn't receive any notification that my application was approved without bonus.
Transfer BalancesDiscovercard - when you transfer balances from other cards to Discovercard they have a low rate for a period of time XXXX, but when you make payments they apply to the transferred balance and not the pervious balance on the card which is XXXX .... so there is actually an increase in interest rate to XXXX which is unfair and a fraud type of transaction. 
Al payment should be applied to the older balance due - first in first out. This practice was not disclosed .... the Company when called, says they have to do this by law which is false!
In XXXX of 2013, Bank of America indicated that the only way they would assist with a refinance on our mortgage was if we stopped making payments.This was repeated multiple times by multiple people at the bank - no assistance without evidence of financial hardship. They indicated that after applying through the TARP program and ceasing to make payments, it would take 3-4 months to renegotiate the loans. THREE YEARS later, we have just received an offer on the second loan, that is substantially above market rate and is nothing more than a 15 year amortization of the original loan. After the initial TARP submission, Bank of America Immediately sold the loan to a different servicer, requiring that we start over and resubmit the first mortgage application. They refused to consider a submission on the second loan until the first loan was negotiated. Re-doing the entire process with XXXX ( the new servicer ) took over 6 months. Once the trial period was over on that loan, we submitted the EXACT completed application that had successfully gone through underwriting at XXXX to Bank Of America. During the process, they lost paperwork, refused to believe they had paperwork, even when said paperwork was pointed out to them, showing on their own website, repeatedly closed the application for non-response, after taking 28 days to ask for the information, then closing the application 24 hours later, in some cases when the requested information had been uploaded to them days before they acknowledged receipt. Every time we approached a decision, they would come up with an entirely new set of issues and we actually had to submit a total of three applications prior to them offering a trial payment. The trial payment was offered with NO disclosure of terms whatsoever. We made the required XXXX trial payments, them made 6 more payments as it took the NINE MONTHS to generate loan documents. At this point, they have ruined our credit - still submitting to the credit agencies that we have not made one on time payment, when in fact we have made nine timely payments.
I am a XXXX year old and graduated from college is XX/XX/2014. I have been using Sallie Mae which then switched to Navient for my private loans to help pay for school. I had to apply with a co-signer ( my grandfather ) because there was no other way to apply for the loan with out him. Obviously wanting to obtain a college degree, I did anything i could to apply for my student loans. Since graduating college i used a few forbearances to get myself on my feet and start coming up with the money to begin paying my student loans back. They were upwards of XXXX $ total. The monthly payments they were expecting were not feasible for myself at the time. I eventually discussed payment options later that year and was able to receive income based payment plans which started under 300 . I was easily able to pay that and continue living a normal life with some extra money for living expenses. Then my Income Based Payment plans expired and they called to say my monthly payments would increase. I applied again for payment plan and we agreed on around 400 $ and then they increased again to around {$420.00} a month. These conversations for filled with emotion, obviously, because at this point they are taking every little bit of money Ive been saving and draining my accounts because of my monthly payments. The time came last month when i had to renew my payment plan and i was denied because i was able to obtain new money which Im not sure where this new money has come from because i havent gotten a raise. I make XXXX a month after taxes.. i pay over 800 $ in bills to live. Navient is now asking me to pay XXXX $ a month. I dont even have that in my account. They gave me the option to pay XXXX a month. I accepted it, trying to figure a way to scrape by each month. But it was denied. Now i have no way to pay my monthly that they are expecting without a decent payment plan. If they take the money out of my account i will have a negative account. What do i do? Stop paying my loans and go into delinquency? Ive paid my monthly on time and in full for the past 3 years or so. Ive never missed a payment. Im having a very hard time trying to understand why Navient will not work with me and help me out. Thank you. 

XXXX XXXX
I have sent several disputes to Experian, XXXX and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but Experian, XXXX and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.Experian keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
I 'm currently in bankruptcy and do n't understand why my balance still show XXXX owed.. I 've been paying since XX/XX/XXXX.. I do n't know if its because of how much I 'm paying or is it the interest.. I graduated in XX/XX/XXXX and the school that I graduated from is no longer here.. I do n't know if the charges are accurate..
I wrote XXXX and asked for legal validation of this upon discovering the collection on my credit reports in XXXX 2014. They have never responded.
I received a small business loan from XXXX XXXX XXXX XXXX in XXXX. The loan was secured by my house as collateral. XXXX XXXX XXXX  was acquired by XXXX XXXX in XXXX. I paid off the loan in XXXX. Although the loan number has changed over the years due to BMO acquiring XXXX XXXX XXXX the original loan was never discharged or recorded as being paid off. 

The original loan is still showing as a lien against my house which I'm trying to refinance with XXXX XXXX ( BMO currently has the mortgage ). I've tried contacting BMO about discharging the original loan. I've made many phone calls and related my situation to at least 3 different people. I have a rate lock with XXXX  expiring on XX/XX/XXXX. I've already lost {$1000.00} due to the delay of closing my new mortgage and now I might have to settle for a higher interest rate which will cost me even more money. BMO has been unresponsive to my situation. The last conversation I had with them was at XXXX on Friday, XX/XX/XXXX informing me that the person I was speaking with couldn't help me because it was a business loan and I had to contact their business lending department. Everyone I've spoken with was told this was a business loan. WHY DID IT TAKE A WEEK AND 6 PHONE CALLS FOR BMO TO TELL ME I WAS TALKING TO THE WRONG PERSON? This is now a time-sensitive issue caused by BMO 's incompetence and negligence in not discharging my loan over 6 years ago.
This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. 

In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.
My Mother In Law and my husband have an outstanding debt for a vehicle. However, the company calls from Exeter Finance phone numbers and from XXXX XXXX 's all day long. They call about every 30 minutes starting at XXXX until XXXX. I feel as if this is a form of harassment. If the company were to call a few times a day, I could understand. They are collecting a debt. I get it, but to call repeatedly throughout the day is unwarranted. I 'd like the excessive calls to end. And, for a reasonable amount of calls to resume.
I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days.
I filed a chapter XXXX Bankruptcy on XX/XX/2011. When I went to check my credit report recently there was something from XXXX XXXX XXXX   which was included in my bankruptcy and should not be on there anymore. I don't know why its still showing.
Checking my credit report I found a derogatory mark saying that it was a collection debt with another address on there, it 's not my address nor have I ever lived there, the dates listed are from XXXX - XXXX XXXX I do not owe a Medical debt
We began the buying process about two months ago with Movement Mortgage. We applied for an FHA XXXX loan originally, but switched to the FHA because we would n't close on time according to the lender. Our original closing date was XXXX XXXX, the lender called and told us we would not be closing on the XXXX that we would close on the XXXX of XXXX and sign the amendment at closing. The lender told us and the seller that we had everything we needed to close, and that we would definitely close on the XXXX. When closing time came around someone ended up dropping the ball and needed additional information to close. The additional information was everything they had already received from us. We are getting a heck of a deal on a home, and this has caused us to be in a bind. The seller is coming close to pulling out because of other commitments and obligations. This company had ample time to request documentation, we continuously stayed in communication with the lender and followed up with request. this is very unacceptable to not have thoroughly reviewed our submitted documentation. There is no excuse!
When I type in my personal information I always get an error message saying the information does n't match the information XXXX
This company has horrible customer service. They tell me something different every time I call. They say they will call back and I never hear back from them. They say they will send me documents in the mail and they never come. At the present time I am trying to settle a matter of mortgage insurance ( PMI ). I called in mid XXXX to ask them to schedule an appraisal of our home to get rid of PMI. They said it would be a 2 to 3 week process. They scheduled the appraisal, which was done on XXXX XXXX, and then we heard nothing from them. I called in XXXX and was told that they had no idea what was going on with it. I called again a week later and they said it appraised for enough to get rid of PMI but it still needed a manager approval. I waited another 10 days before calling again. Still no manager approval. My bill for XXXX still had PMI required as payment ( {$200.00} ). I talked to them over the phone and asked what would happen if I paid the payment with mortgage insurance still included in my payment. They told me I would get it refunded to me ( {$200.00} ). Next thing I know, they sent me a check for only {$20.00} and said that was all I was eligible to be refunded. Currently I am waiting to hear back from them on this matter. I spent 2 hours on the phone with them 2 days ago, being transferred from one person to another who had no idea what to do. They finally said someone would call me back. No one has called me back and it has been over 48 hours.
We received multiple voice mails from Weltman, Weinberg, and Reis regarding a debt they claim we owe and payments they claim we had not paid. We had never heard of that law firm. I called them and they said the account was being handled by XXXX Law Firm. XXXX Law Firm had taken over over our account almost two years ago from XXXX XXXX XXXX XXXX without notifying us and we had been paying them every month as agreed. When XXXX took over the account, they filed a garnishment on our bank account with no notice claiming that we had not been making payments. Our payments were made to XXXX XXXX XXXX XXXX and my checks had cleared my bank every month. I had to hire a lawyer at a cost of {$1000.00} to have the garnishment released. I then called XXXX and they said they had no record of us. I explained that we had been making payments to them and I gave them check numbers. They said they had no record of us. Then I received a letter from Weltman saying that if we did not make payments to them, they may file a garnishment against us. Then I called my attorney to help. He sent Weltman a demand letter stating that we had not been notified that XXXX no longer was handling the account and that we needed verification from them that they had taken over the account and that my checks to them would be properly credited and reconciled to my account. They simply sent an email giving us their mailing address where to send the checks. My attorney billed me {$250.00} for the demand letter. I did not want to have my account garnished again so I sent my checks to them and very clearly stated to them NOT to deposit my checks until they had provided me with verification that the account had been transferred from XXXX to XXXX. I have heard nothing from them and today, my checks cleared my bank. They had deposited my checks despite my very clear instructions not to deposit them until they gave me verification that they were handling the account. Now I am out {$1200.00} in legal fees and I still do not have any documentation or verification from Weltman. I have attached all documentation to support my complaint.
This has been an on going process since SPS chose to leave a ups/fed letter at my front door with my final loan modification papers to sign and return. Everything else they send they send 9 times under 3 different names and I get 18-24 pieces of mail at my primary address as well as my formal address. The attached letter as you can see has my work address and was never sent to either my primary or my formal address. This just goes to add to there unfortunate ways they do business. My loan modification that took 2 years to get approved and I continued to pay the agreed amount of {$1100.00} was put to a stop when I called in XXXX 2017 asking for my final papers. They did send them XXXX/XXXX and it states left at front door. I never obtained nor was a signature required on such an important document. I should not be penalized for something so careless on there behalf. Why would I not return it when I fought for 2 yrs and 2 mediations to get this done. Now with no justification they want to increase my modification over {$600.00} per month in which my income does not support. {$1700.00} plus per month is more than 50 % of my monthly income. This is not justified and I should not have to continue to fight to pay my agreed amount in which the mortgage company I believe purposely set me up to fail.
I sent money with western union on XX/XX/XXXX Amount.XXXX $ to XXXX for business payments Western union tooks money from my XXXX XXXX bank account on XX/XX/XXXX it should deliver by XX/XX/XXXX as promised by western union But it never delivers even more than 3 weeks I start flowing western union by calling/emails/social media customer service after XXXX XXXX XXXX Regarding my payment but they flair to provide me any information but only keep saying that your money has been delivered but when I ask my receiver there was no payment at all And aftr 3 weeks western union told me that our bank partners in XXXX gives us wrong information about your payment so we apologize and we ll refund your money to your bank account From XX/XX/XXXX to XX/XX/XXXX I haven't received my money back or the payment in XXXX Because of this 32 days delay I loose my business in XXXX the damage to my business costs me XXXX XXXX XXXX XXXX  rupees around XXXX $ So I want you to help me to cover my damages from western union Thanks
Received loan from Mariner Finance XX/XX/XXXX in the amount of {$3000.00}. Was told I could pay the loan online only through their website in any amount that I saw fit as long as I made the minimum payment of {$130.00} per month for 24 consecutive months. The first time I logged in to pay the loan amount said upward of {$5000.00} so I called and asked why and was told by rep on XX/XX/XXXX not to worry about that as I pay it will be reflected to show I only received $ XXXX -- plus  about $ 400- {$500.00} in interest once I reached the full term of the loan which I Planned on paying back in just three months. The next issue was that the website would not allow me to pay more than {$130.00} as a time so I was unable to put lump sums on this loan as I was initially told I could. There was also a few dollar fee to do so which worried me about even more about the dollar amount shown right from the gate. I was skeptical so I tried to cancel the loan and give the money back. I was told I could not do this. I asked a few months later in XXXX for a copy of the loan agreement because the interest rate somehow jumped approximately 5 % from XX/XX/XXXX to XX/XX/XXXX. I was told no that I should have my copy I originally signed and they don't keep record. That was weird to me. I stopped paying the loan after paying approximately {$2100.00} in XX/XX/XXXX after numerous attempts at getting answers. The debt is now showing on my credit file as delinquent in collections and in the amount of {$2900.00}. I have been reaching out via email as so to have documentation of my claims for the past year with not one response. I want this tradeline removed from my credit reports as it is misrepresented in a myriad of ways.
Hi my names XXXX XXXX and I 'm responding to case XXXX again all want is the fair opportunity to get my house back on track and the right to do so under the program 's that 's out there harp and others as I said I sent all docs back and and never heard from anyone at nations star I want save my home I still all the signed copies that sent I just want an honest person to help me and not lie about everything pertaining to my documents being received