WillisBack/dataset-financial-user-claim huggingface dataset:
I had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.
I do n't know. I 've answered a few times but no one on the line. Repeatedly 3-5 calls per day beginning at XXXX EVERY DAY
Out of the blue Meridian Financial SVC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, sent me a notice dated XXXX XXXX, 2015 about a claim of {$700.00} that was assigned to Meridian as collection agency ; no proof of a claim was provided ; we needed to respond in 30 days. In a registered letter of XXXX XXXX, 2015, I informed Meridian that we owned a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which we disposed off ten years ago ( XXXX XXXX, 2005 XXXX, and that we disputed that we owed XXXX XXXX any debts. Without sending me proof of this alleged claim, Meridian Financial sent me another letter that I did not dispute the claim (? ) ; I replied on XXXX XXXX that I did dispute the claim and that they needed to stop harassing me or provide proof of any debt owed. Today I was informed that Meridian put on my otherwise XXXX credit report a negative Collection Agency claim of {$700.00}.
I have tried to contact my loan company regarding my loan information and defaulting. My loan has been sold to a second collection agency who refuses to work with me and give me false information. Often times I am unable to find out my balance and verify my funds being taken from my check are actually being applied to my school loan payments. AES refused to help.
I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts that do n't belong to me : XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX
Currently working with a lawyer and the XXXX on an account with XXXX. They were paid off and yet are trying to collect $ XXXX in incorrect charges. I never received any information on the debt. Per the fair credit reporting act, they can not put an account past due if they never sent anything in writing. They never sent anything because I do n't owe it. XXXX used cars is illegally reporting the account as a collection when they have never provided any information about the debt. It was complete paid off.
USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX, TX XXXX I was rebuilding my credit and opened 3 credit cards XXXX, XXXX, XXXX ( was XXXX ) but they changed into a XXXX. XXXX {$5000.00} $ XXXX XXXX $ XXXX XXXX the cards did what they were supposed to do, I repaired my credit by having 100 % on time payments. I paid of the cards with the CD 's established to secure them. I thought USAA was really a XXXX XXXX XXXX ( I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Veteran ) As long as the cards were Maxed Out and I was making the minimum payment everything was great and I got great customer service. However ; my credit being repaired I have 8 unsecured cards, the secured.cards were no long need. I knew they were paying only .50 ( half a percent ) interest on my CD securing the cards, and they were loaning my money out for 11 -17 % to members of the CU. And I knew they were charging me 11-17 % on my purchases and more on cash advances ( 35 % ). BUT WHEN I PAID THE CARDS OFF! That is when I found out USAA did not love me and were not altruistic. The beginning of the TWILIGHT ZONE! That is where the problems started. 1. I asked for my refund on my XXXX to be deposited into my Checking Account, causing me to have to drive 180 miles round trip to pick up a {$110.00} check. 2. I asked for my refund on my USAA Secured XXXX to be deposited into my Checking Account, causing me to have to drive to collect {$24.00} XXXX. I asked fo rmy refund on my other USAA Secured XXXX to be deposited into my Checking Account and they so far have refused to refund {$550.00} to date. Giving me many excuses why they can not release my REFUND???? THEY ARE RETALIATING AGAINST ME FOR ASKING FOR MY OWN MONEY! signed
XXXX XXXX XXXX is reporting that my credit account with them is still open. The XXXX XXXX Account was discharged on XXXX XXXX, 2015, and closed. They continue to report incorrectly that the account is open. The account has been discharged, closed and balance zero.
My mother deposited a bad check into my account with Bank of America, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to BOA, but they closed my account and claims I still owe them money. I paid them {$220.00}
Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.
I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY.
I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.
Seterus has an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. 
However they ask for insurance once a year, and after receiving the insurance policy as proof, they still continue to send letters asking for the same info. 
After the 2nd letter they start charging you for their insurance. 
This insurance company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX. 
If you call you are sent to a call center, and are told they have no knowledge of your account. 
We regret purchasing a loan from XXXX XXXX XXXX who sold it to XXXX, who sold it to Seterus, which is actually a collection agency. 
Our loan number is XXXX. 
Thank You XXXX XXXX XXXX
On XX/XX/XXXX, I placed a call to XXXX XXXX credit card customer service requesting to change my address on file to other address. Being that I had XXXX and currently is hospitalized. My address change request was to assure bills were received to a family member. The family member would bring bills to hospital so they can be paid. However, I never received a bill so I would log on trying to remember what day the bill was due since I got no bill sent to my family members house. Today XX/XX/XXXX, I noticed I still have not received a bill again. So I log on to pay the bill. I called customer service explaining Ive called previously on XX/XX/XXXX to change address. At this time I was advised it was not changed so the representative proceeded to update the address. I asked for late fee to be waived being that I never got the bill. I was advised nothing can be done because there is no record of my calling. However, I know for a fact that I called in and spoke with someone who was sympathetic about my XXXX and even said she knew someone who had the same XXXX. I asked to speak with a supervisor today. She pretty much called me a lier saying I did not call from my phone number and record of me calling. As I stated to her just because your company does not show I didnt call from my cell phone doesnt mean I didnt call. Its not my fault as a customer your representative did not do their job. 

I asked to speak with a XXXX. I spoke with someone named XXXX. I explained the situation to him all over again. I also explained to him that as a company you have an obligation to ensure you are sending your customers bills in order for them to be able to pay the bill. However, the practices that are being used are unethical. I asked him that I would file a complaint with the consumer finance protection bureau based on the situation and how I am being treated. 

I asked XXXX if I could speak with another XXXX. XXXX placed me on hold and came back stating the other XXXX said XXXX. However, I asked to speak with the XXXX ; I did not ask XXXX to relay messages back in forth. During the conversation, XXXX then start to cut me off while I was speaking instead of listening to what I was saying. Its sad and unbelievable that customers get treated like this when they have a medical issue that requires immediate attention. This is not how you treat your customers. I will be telling all my friends, family, people on social media about my situation today
I recently got insurance from XXXX XXXX in XXXX, NE. While discussing my policy with my agent lately she mentioned my low score on the CBR report they received from LexisNexis. She gave me a copy of it and if was terribly in-accurate and misleading. Nearly every credit area they reported on was years outdated or just false. I contacted LexisNexis and they said they get their data from XXXX  and I should contact them about any issues.I got my full credit history from XXXX today and it has ACCURATE information ... ... yet LexisNexis is reporting something different. 

As you know, companies across the nation buy CBR reports to gather information on current or potential customers from LexisNexis ( and others ). How many years have they been reporting false/misleading info on me? What have these reports cost me and other consumers over the decades? My insurance company bases their premiums at least in part on this report ... ..and/or whether they want to do business with me. 

I am attaching the CBR report I received and my comments with enlarged print ... .also, if possible I will attach two XXXX  docs that show my student loans were paid off in XXXX and XXXX ... .and not deferred as LexisNexis reports XXXX
In XX/XX/2017 i have talked to a account representative at XXXX XXXXXXXX XXXX   over the phone before making payment in full for my credit card account, account number XXXX and had made an agreement to pay account only if account was deleted. I've made the payment in full and XXXX XXXXXXXX XXXX have failed to remove the negative item from my 3 credit report with XXXX, XXXX   and transunion. I've contacted and disputed them about this situation. multiple times with no solution. my report shows that my account has payment after charge off in which is double enrichment and is unlawful according to the fair credit act since they have already charged it off
I have disputed the XXXX inquiry 's on my reports 3 months ago I never got any notice of. Resolution at all. All of them are still on there. Some of them are on there XXXX. I 'm supposed to have a fraud alert on all reports but noone checks with me before they hand out my report 's to everyone. I do n't authorize any companies except XXXX. I 'm upset because the company 's did nothing to fix this problem. I never received any information on my disputes.
Inquiries on my account WO permission. Never asked to run been fighting 2 years. Please help removed. Called bureau soany times. No help
The Lender is foreclosing on the property without giving the homeowner ample time to explore and undergo loss mitigation options. The homeowner intends to do a short sale and wants the chance to be able to do this. There is already a Buyer who wants to purchase the house and wants to send an offer to the Bank ASAP.
I was given a rate to term out my home equity loan and I had XXXX days to lock it in. I called back on the XXXX day and was told I could not get that rate since I had made a draw online earlier that same day. The draw was from my Home Equity Line to my Wells Fargoi checking. I was told the last time I spoke to them that I could make draws up until XXXX 2015 which was the end of my draw period. Never was I told the rate would change if I made a draw. After they told me they would not honor the rate they guranteed for XXXX days, I told them I would go online and repay the draw back as it was still sitting there in my Wells Fargo checking account. They said I had given up the rate because of the draw. This all happened around XXXX on a business day so the fact that they would not let me go back to where I was a few hours earlier is evidence they were trying to switch the rate which had increased over a half of a percent. They said if I wanted to lock in it was going to be at a new higher rate even though I was still in my XXXX days they had quoted before. The last year Wells Fargo has called and written me several times about my home equtiy line maturing until the point it was border line harrasment. It even came up on the ATM screen when I used the ATM. When I agree to term out early they switch the rate. I told them several times I would reverse the draw while we were still talking on the phone but they said I forfeited the the other rate even if I pay it down to the same balance it was earlier the same day. This is unfair, misleading and deceptive.
I applied for USBANK checking account along with visa signature card since they were offering {$150.00} bonus. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. After writing to XXXX/CFPB USBANK agreed to fix the credit card promotion. But I still do n't see {$100.00} credit. But I was denied checking account promotion. I was told that I have n't opened the correct checking account. 

I called USBANK online customer care right after I opened the account and asked them if account is opened correctly. I was told as long as I entered the promo code correctly I am eligible to receive the Bank promotion. It has been more than 3 months and no {$150.00} promotion was applied to my acct. When I called USBANK customer care on the phone they asked me to call the branch in XXXX. It seems they do n't know what they are doing. I called bank last week and they told me checking account was not open properly to receive the bonus after investigating this issue for few days. US Bank online customer care did n't do due diligence when I called customer support right after opening the checking account and followed all the instructions to receive the bonus including direct deposit.
We received the final closing disclosure from the lender prior to close stating we would need {$3200.00} to close. The day the notary showed up he had a paper saying we 'd need {$3900.00} to close. I showed him our disclosure and he said that ours must be right and they must have made a mistake on his end and accepted our certified check for the lower amount. Today ( the following week ) the lender called and said we could n't close on the loan because we were short {$680.00}, having only provided a check for the lower amount, and we 'd need to drive XXXX miles to the title company with the extra funds today to prevent the loan from falling through. I feel it is deceptive for this " bait and switch '' demanding nearly {$700.00} extra at the last second in clear discrepancy with the closing disclosure we were provided.
Mortgage payment was reported incorrect. Have always been on time and have the paperwork to show the mortgage company was in error
Title Loan ... in the amount of {$2400.00} ... 
Payments {$400.00} per month / for 12 months. Plus daily Interest. 

Dated XX/XX/XXXX .... consumer has paid a total @ {$2400.00} from XX/XX/XXXX through XX/XX/XXXX. Consumer is asking XXXX to rollover or refinance the balance out for a shorter period or refinance for lesser Payment amount. ( If any ) ... 

the loan could be considered paid in full ... .with a settlement of a Interest fee or additional fee to close out loan agreement. 

Otherwise, consumer will payout another {$400.00} for additional 6 -- months..and payoff a total of {$4800.00}. For a {$2400.00} loan. 

XXXX doesn't offer a grace period on due dates. 
XXXX  doesn't offer Consumers an adjustment or something once Consumer pays the full loan amount ; ... why are Consumers made to pay additional months of high payment and interest added. There's no relief once Consumer pays back the full amount. 

XXXX is luring Consumer to a 12 -- month agreement without options after Consumer has paid back actual loan amount.
Hello, yesterday I changed my quickpay  with chase and had my sister send it to my second bank account with chase .My sister sent an {$100.00} quickpay to chase, and the default account did not change .I went to  the bank and they can see it had been changed on my end in their system, but when I call the  XXXX  number they ca n't see that change and the second account I had with them is in the Negative so I could not just transfer the money .They said it is nothing they could do about it.
I deposited three checks via mobile deposit.

I forgot to write my name to the pay to order section I called if they can cancel it and I will correct it but I was told it can not be cancelled. 

The funds was already debited from the check issuer but chase is still holding the funds because they said they can not verify the checks if they can not verify it then why they took the money from the check issuer? 

Checks was deposited XX/XX/XXXX,2019
USSA states that a double payment was made to XXXX XXXX XXXX company causing an escrow shortage. I need proof of double payment, a voided check, receipt or a copy of electronic transfer.
I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX16 resulting in a lower credit score. I did not apply for credit. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

Transunion searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want XXXX and Transunion to do the same. I want XXXX investigation as to why they pulled my credit report.
My mother lost her home to wildfires and shortly there after was diagnosed with XXXX, leaving myself to have to take over her affairs. I discovered that the property was in the process of foreclosure. I brought it out of foreclosure and was making the payments for my mother. In XXXX of 2014 she had to be placed in a XXXX which takes all of her retirement and social security income. I wrote a letter of explanation and requested the loan be written off as uncollectable, but was denied. There is no home, but the mortgage company is foreclosing on the land which was deeded over to me while my mother could still sign documents for herself. 
What can I do to resolve this matter and get the land released?
The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.
On  X/XX/17   , I went to   XXXX   XXXX   to purchase a couch. I had been planning to purchase said couch with my tax refund, but it had not yet arrived and the couch was temporarily on sale for {$100.00} less. Signs in the  XXXX   XXXX  store were offering no interest credit for 6 months, so I applied for a   XXXX   XXXX   store credit card while physically in the store. Store associates provided me with a laptop to complete the application online. After completing the application online, I was shown a message that I would receive notice of whether or not I was approved in the mail in  5-7  days. I was under the impression that I would be approved immediately. This not being the case, I asked the store to call the company and cancel the application as I no longer had a use for the card. ( I ended up buying the couch with my  XXXX  card. ) The associate was told by the company that there was nothing they could do that evening and for me to call tomorrow. I pho ned Comenity ( the company that administers their card ) t he next da y (   XXXX   ),   and was told they could not cancel the application, to wait until the card was issued, then call and they could reverse everything, including the hard credit inquiry. Today,   XXXX    , I received a letter stating that they needed more information die to the  Patriot Act i n order to complete my application. After being passed from department to department, I was told that they can not cancel the application, but if I do not supply them the requested information in 14 days, the application would stop. However, whether I supply the information or not, they will still be making a hard inquiry into my  credit score. I  feel I was misled from the very beginning and that I should have been able to stop this process long before it reached this point. Furthermore, if they do not have all the information required by the  Patriot Act in   order to give consideration to my credit request, they should not be making inquiries into my  credit score.    XXXX   XXXX   is a great company and I will continue to shop there, but I have serious concerns about Comenity and the other store credit cards that I have under their administration.
I am a victim of id theft and it has been an on going issues for me verifying accounts reporting on my credit some of which are unknown to me, I request that you please forward all information pertaining to the opening of this account opened without my authorization.
Hello, I want to complain about a PSLF program that Nelnet loan service provider did not honor. I contacted Nelnet in 2017 after paying my loan for 10 years ( 120 months ) without a delay in payments. I am a public service worker for nearly 30 years and had planned to retire soon. Once I learned of the PSLF program and checked my account with Nelnet, I submitted my certified information. I was denied due to my loan was not in the appropriate loan forgiveness program. I was told that I could move my remaining balance over to the right loan program and work ten additional years to get the PSLF. I thought this was extremely careless and disrespectful to share with me. Now I have to continue working to pay the remaining debt off. I believe Nelnet withheld critical information to its customers and did nothing to help its customers but take our money.

I hope there is something that can help those who have issues with this PSLF program. 

Thank you.