WillisBack/dataset-financial-user-claim huggingface dataset:
I became unemployed XX/XX/2015. I submitted a request for forbearance due to unemployment TWICE, once XX/XX/2015 and once again XX/XX/XXXX. Both times I printed out the forms downloaded DIRECTLY from their website! : XXXX I sent these XXXX forms and I also sent a letter stating my circumstances to them. They are claiming they have no knowledge of anything and are refusing to do anything with my student loan. All other loan holders have put me into forbearance. These people are the most incompetent and ridiculous people I have ever seen. TWICE I have submitted the correct forms to them and they claim they do not have them. I am exhausted from trying to deal with them. I have also explained the situation several times to one of their operators over the phone. Still they refuse to take action.
I am having problems with Equifax when my lender pulled my tri-merge ( all three reports ) Equifax indicates there is a Hit Level : Suppressed. I contacted Equifax yesterday to get this resolved and they said they did not suppress my report, they did not freeze the report etc., I was on the phone with them in total for over 2+ hours explained I could send them a copy of the report indicating they are suppressing it. I can not get anywhere with this company and my lender can not pull a true report without Equifax sending the information. This is absolutely unacceptable.
This company XXXX XXXX keeps calling and harassing my family and friends threatening to send me to jail for fraud for a lease of a phone I sent back to the company XXXX, XXXX because they sent me a brokenness phone
I have applied twice for Amazon sponsored credit cards. The last XXXX was from Chase. Both times after opening and purchasing on the accounts they have automatically enrolled me in paperless statements and by the time I actually get a paper bill ( calling them after email alerts on account ) I am charged late fees. I always pay my cards on time and usually in-full. I seriously believe this is a ploy ( since it has happened twice ) they are using to extort late fee payments out of customers. Both times they say the paperless option was chosen and it was not. I am familiar with the prompt screens they use for paperless and always say No Thanks. I believe they are using Paperless as the default no matter what you pick.
report  XXXX  received Sat  XXXX / XXXX /   2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX  when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Freeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.
On the day my payments are due on my auto loan account First Premier Financial begins calling at XXXX, every other Saturday. Not even giving me a chance to wake and get my day started. I have a good pay history with First Premier, and have fallen behind a few times. My account has never gone 30 past due. Since being with first premier i have recieved nothing but horrible customer service. The reps as well as a lady named XXXX who says she is from corporate call and disrespect whoever answers my home telephone. I have requested many times for my home not to be called before XXXX as I am not home until thatn time. The request was granted XXXX time. Account manager XXXX has called my home and told my child care provider she is a liar, she is beginning to see a pattern and is plain rude. She and another rep XXXX both have threatened reposession with my account only being 14 days past due at the most. XXXX has called and hung up on my wife because she was not getting the information she wanted. On Friday XXXX XXXX, 2015 XXXX placed a call to my home at XXXX XXXX from a cell phone not associated with First Premier Financial. Had I been Home and spoke to XXXX I would have provided my personal information on a 3rd party line. The telephone caller ID appeared as XXXX XXXX phone number XXXX. When I called the phone number back a lady answered whom did not identify herself as First Premiere Financial. She answered and said hello, no business greeting disclaimer opening. Nothing. After realizing who I was she said hold on I know who called you. I know I have an agreement with First Premier Financial, but the way they go aboout collecting their payments is not in a business like manner at all times. She has never called and been pleasant or professional. She always calls with a horrible bad girl attitude. I know I have a payment and i know its to be paid, the company has no consideration for their customers and the situations they may be facing. Its cold shoulder have my money or im taking your vehicle. I feel the way I am treated and im sure others are is unprofessional and should be addressed. I feel their tactics are unfair and unprofessional. I also was advised about a deferment. I accepted and was still charged my montly payment. i was never given time to catch up. Months later it was addressed that i had been over paying and was told i had a credit of {$100.00}. They have also had someone come to my home when my account was less then 19 days past due stating i needed to pay.
I've been a cardholder at U.S. Bank for at least five years. In those five years I've maintained perfect payment history. Early last year my 0 % promotions periods ended and my interest rates surged to 24-26 %. Despite changing careers, being forced to take a pay cut, and moving in with family to be able to continue making my credit card payments on time, I've tried asking various representatives and managers to lower my interest rates ... .but they've been extremely unhelpful in the following ways : 1 ) The representatives/managers mislead the consumer by stating they will look to see if there are promotions for lower interest rates, knowing that there are none ... ever ; 2 ) Depending on who you talk to, they misinform the consumer about credit hardship programs. For example, one representative told me earlier this year that the hardship department would talk to me if I was only one- to two days late making a payment. Yet when I tried doing that, I was charged a late fee and was basically told my account wasn't late enough, and that it would have to be in collections in order for them to work with me. I demanded a refund of the late fees due to their misinformation, which they granted. But then I was told by another manager that since most of my credit card accounts are closed, I'm locked in at that ridiculous rate and there are no promotions to lower my interest rate on the remaining open card ; and 3 ) U.S. Bank representatives/managers say the ONLY hope at a lower interest rate is to contact Consumer Credit Counseling. U.S. Bank is the ONLY credit card company that does not offer a hardship program to consumers struggling to make on-time payments. I negotiated lower interest rates and fair payment plans with XXXX XXXX, XXXX, XXXX, and XXXX.

To add a cherry to the sundae, tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager, ( XXXX, ID no. XXXX  ). He called me irresponsible, leveled all sorts of accusations towards me about my " lifestyle decisions, '' made judgments about me racking up debt when I simply tried to explain to him that I changed careers and had to take a pay cut, thereby having to use credit cards to live on to make up for the loss. I've since closed out those cards so I could make efforts to pay them off. He could see my accounts ... that they were closed, yet continued to be abusive, condescending and degrading.

I'm in the process of interviewing attorneys to help me further escalate this complaint, and am reaching out to your agency as well for a fair resolution.
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
I was denied a credit card from American Express XXXX dated XXXX XXXX, 2015 ( after receiving numerous mail solicitations ) and when I tried to get a free copy of my credit report from XXXX on XXXX XXXX, 2015 XXXX refused to honor my request. XXXX 's web site requested information which I provided and each time it responded that that the session had timed out. Regardless of how fast the information was put in the response was always " the session had timed out '' .This is an obvious ploy to frustrate older consumers and to make them think they are unable to complete the process.I use my computer 's auto-fill capability so even a few seconds seem to be enough for the " session to time out ''.
I opened a Discover credit card. Note that Discover has been running NUMEROUS adds touting that it has a XXXX time late payment forgiveness feature. My credit limit with Discover was {$1900.00}, I had used approximately {$1000.00} of my available credit. I was 5 days late with my payment in XXXX 2015, and although Discover waived a late fee ... .they then lowered my credit limit from {$1900.00} to the outstanding balance at that time which was approximately {$1000.00}. 
As a result, due to the actions of Discover card, worse than merely charging me a {$30.00} late fee, they cut my spending power in half, thereby knowingly and intentionally reducing my credit score by falsely and fraudulently manipulating my available credit to balance ratio as well as violating their advertised late payment forgiveness. 
The multiple advertisements on national television stated that there was NO PENALTY, not that Discover would, without any recourse, knowingly and intentionally manipulate your credit score was never revealed. I believe it is a false and deceptive practice, not only to penalize someone for making a late payment when you are specifically touting your no penalty policy, but to nefariously manipulate credit scores and penalize me nearly {$900.00} is malicious and intolerable.
I have a account reporting from  XXXX   XXXX  on my Experian  Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.
On XX/XX/XXXX I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was XXXX XXXX. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of Machol & Johannes. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado BBB and Rip Off report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure. 
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.
The debt collection agency Santander Consumer USA purchased my debt from XXXX XXXX. When Santander acquired the account they changed the " last payment made date '' to when they got the account. They are not taking into account when the account first became delinquent. My vehicle was repossessed more than a year before XX/XX/XXXX and they still reported the " Last payment Made XX/XX/XXXX ''. The collection agent stated thats how they handle all their new account.
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed by CAPITALONE AUTO FINANCE  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with capitalone auto finance.
My student loans are currently being serviced by fedloan servicing ( Pennsylvania ). My account number is XXXX I submitted the required documentation for renewal and change of IBR plan in XX/XX/XXXX.  This paperwork has not been processed.
<P/> In XX/XX/XXXXI called to inquire, they said the error was that I did n't select to make a XXXX dollar payment and they changed it. I was then billed for the entire amount.
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In XX/XX/XXXX I  called, the individual I talked to this time seemed knowledgeable and I thought It would finally be taken care of. However, I was recently notified that I was 27 days late of the entire standard repayment plan. They again stated they were processing the application for IBR.
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I am a military member, and every payment that is delayed is one that does not count towards my PSLF. They have indicated they can do nothing to make up this time. Interest has accrued and I have lost payments so I have to pay longer.
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Also, they refuse to honor my SCRA request. I have submitted orders that indicate a date later than my loan date -- but they have an XXXX XXXX date that is prior to my loan date. Thus, they claim I am ineligible.
These people call 3 to 5 times a week, they do n't mention a person to be contacted, just that if we do not contact them the " matter which they do not mention '' is going to go into litigation. I know this is a scam! STOP THEM! the number to contact them is as follows.XXXX Apparently I am not the only one. there have been numerous complaints about this number on the net trying to collect money for charges or accounts that never existed.
Collection effort for XXXX XXXX XXXX XXXX for a bill that was paid.
STILL WAITING FOR THIS INQUIRY FROM XXXX TO BE REMOVED EVEN THOUGH EXPERIAN HAS LETTERS FROM THEM STATING IT WAS AN ERROR ON THEIR PART AND SHOULD NOT HAVE BEEN RUN AGAINST ME,
on XX/XX/19 I was contacted by Credit Protection Association L.P ( CPA ) using an automated robo call.  The call itself was news to me since I had not received any notification in the mail of any debts owed. The call was also highly suspicious due to there being 1+ minute long pauses in between information being said. 

I called the number back and found out that XXXX XXXX had sent my account to collections. After I found out the information I needed to I told them not to contact me again or I would take legal action. 

I immediately called XXXX XXXX to ask what was going on, since I had an agreement ( or so I thought ) and payments were being made each month to pay down the balance. At this time I also paid the balance off in full directly to XXXX XXXX and requested a letter that showed this. The letter was sent the following day on XX/XX/19. 

I followed up with CPA telling them that there was no longer any money owed to XXXX XXXX, and that I am requesting that they remove all information they have about myself from their system. The refused. 

I spoke to someone in client services at CPA and was told they would call XXXX XXXX right now to confirm the payment and would call me back, neither of those things happened. 

A few days after the 24th a letter finally arrived notifying me of the debt, which at this point had already been paid. I disregarded it as I was still waiting at this point for the woman from client services to call me back and I had a letter from XXXX XXXX telling me it was paid. 

Fast forward to today XX/XX/19 and I have received a second letter from CPA identical to the first. The first one is dated XX/XX/19 the second XX/XX/19, They send a second letter to me before I even received the first one.

So I called CPA back to speak to someone about why they still have my information in their system and why they have sent me this second letter that they sent out a day after the debt was paid. I asked to speak to a supervisor and they transferred me to a phone line that rings once and then just stays open on the other end. This happened to me 4 times. They had no real intentions of dealing with this situation. 

I finally got a hold of a supervisor name XXXX, who I have spoken to before. Instead of giving me any answers he just referred me to their legal department ( as he had done previously ). However from the first time I know that their legal department is just one person named XXXX. When transferred to her it always goes to voicemail. 

Today I was able to get a hold of XXXX I had the operator keep me on hold until she could get her for me. XXXX however did not want to answer questions and told me that I should be worried about paying my bills on time. This was quite rude as she does not know what has or hasn't happened with my bills. She then told me that my Girlfriend left me and that I was destitute, again XXXX doesn't know anything about me so why would she say that? I asked for her bosses name and she refused.
I received a letter in the mail claiming that I owed a debt to XXXX XXXX and that this company " AssetCare LLC '' now owns the debt with a balance of {$2600.00}. 
I call XXXX to try to resolve the issue on XXXX/XXXX/XXXX by phone asking for the following : A signed copy of my promissory note to open the account, Last bill and statement from XXXX XXXX, and the amount the debt was purchased for. 
A employee at AssetCare LLC told me that they will not give me this information, and they will report me to the credit bureau. 
I feel as if my identity has been stolen.
I have Bank of America cash reward credit card since XX/XX/XXXX or XX/XX/XXXX ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since XXXX XXXX. I did not notice that since most time I use my other credit cards. Then I received a mail from BOA said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than {$45.00} ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about {$24.00}, since it is less than {$25.00}, BOA said can not redeem my reward ). 


Actually, I 'm totally fine with the close of this credit card account. 
BUT this experience makes me upset and angry. 
1 ) it is not my fault that auto-pay does not work. I have credit cards of XXXX, XXXX, XXXX XXXX. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 
2 ) I just noticed my FICO credit score dramatically drop from XXXX to XXXX after that. 

I have over $ XXXX in my BOA checking account, and they close my account for balance of {$45.00}, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. 
The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).
Principal payment only I have incidents with caliber home loans twice within the last 3 months. 
The first incident payment was sent electronically, the payment showed that it was received but never posted to principal balance until 2 emails ( my second showed that I was XXXX ) It was taking care off. After this incident, the payment was received and has been posted correctly. 

The second incident payment happened recently. I called caliber after 5 days ( gave them time to work on it, and I did sent email in between ). I  called them on the 6th day, talked to agent who did not show motivation in helping client and no clue of what Is going on to locate the payment, no alternative suggestions. All I got was they have not received payment. I did confirm with my bank that the payment was received and processed by caliber. 
In my opinion and experiences with thsi company, I feel that they make it difficult for us as consumers to pay down the loan in order to gain more interest. It is unfair practice and seem cheating on our hard earned money. 
I need someone to investigate this company and taking care of this issues because I am sure I am not the only one this happen to