WillisBack/dataset-financial-user-claim huggingface dataset:
My  Auto Lease  payment was due on   X/XX/2017    . I made my payment early on   X/XX/2017     in the amount of {$560.00}. I used the link when I log into my  GM Financial  account, selected payment options for Credit Card, clicked on the link for  XXXX   XXXX    XXXX   XXXX  . When I click on the link from there website It ask me to enter the Bill Payer, I entered  GM Financial a nd a drop down came up to sele ct GM   Financial Leasing  or  GM Financial (  I have a lease ). I enter in my account number  XXXX , continue to enter my payment amount {$560.00} and  XXXX   XXXX  confirms the payment and I paid same day service  2-4  hours.  <P/> After I get my payment conformation via  XXXX   XXXX   XXXX  numbe r M  oney Transfer Control Number  [ MTCN ] is :  XXXX   AUTH CODE  : Conformation #  XXXX  I contacted  GM Financial  several times asking them if they received my payment, I keep being told no payment received. On  XXXX  I finally spoke with a Supervisor name  XXXX  on  XXXX / XXXX /  XXXX   and I did  a 3  way call with  GM Financial  and  XXXX   XXXX . The  XXXX   XXXX  representative verified with Supervisor at  GM Financial  that my payment was accepted with  GM Financial  on  XXXX / XXXX /  XXXX  , so now its up to  GM Financial  to apply my payment to my account. The supervisor said he would send this info over to their payment processing department so my payment can be applied to my account.  <P/> Today   XXXX     I check my online account and I still see payment has still not posted. I contacted an online chat rep with  GM Financial, an d the chant rep said the payment still not received. And they will expedite a request with their payment processing department.  <P/> At this point this is taking too long to apply my payment to my account, my Credit card has a posted charge deducted for the payment and  XXXX   XXXX  has confirmed the payment on same date   XX/XX/2017     and  GM Financial  has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.  <P/> I am requesting that my payment be applied to my account effective immediately dated   XX/XX/2017    , and report my account with all  3  credit bureau s ( Paid on Time, Never Late )
I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer
Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way. Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year. These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX XXXX
Hyundai Finance has reported a late payment on my credit report, when I was never late, I even received a refund since my account was paid in full and it was always in good standing. This would be for the 2017 Hyundai XXXX.
On XX/XX/2018 I received a debt collection letter on a XXXX account which is currently paid and in good standing. This claim says I owe nearly {$400.00} on a paid account which is {$20.00} +- per month. They even have the last for of the paid account number. 

Most of their ratings call them out as fraud so I'm wondering how they are still operating ... 

XXXX
Credit card company seems to have taken additional time to process checks provided with no transaction fee and a low interest rate for a limited time in order to avoid honoring the terms of the offer.
My sister asked me to co sign a vehicle for her. She and the Car dealership had me sign in the Owner portion of the loan instead for a specific vehicle. When I left for sea with my ship, my sister went back to the dealer with my father and had the vehicle swapped. When I came back and realized this it was already too late to change anything. She is not paying the bills on time, still owes the state of Virginia registration fees that has not been satisfied in over a year. I called Ally Financial multiple times explained the situation and asked them to repossess the vehicle because I no loner want it and they refused to do so. They keep telling me that she needs to agree to the repossession. I told them the address where the car is located and I also give them her contact info. The vehicle is parking with no insurancing or a current registration. I do n't want to be lliable for the vehicle as I am still the primary owner of the car. I want them to reposses it. I already give them the location of the vehicle multiple times and they still have n't picked it up.
I keep receiving phone calls from a " unknown '' number. I finally answered it today and it was from a credit card that I acknowledge that I owe the balance. The guy on the other end of the line from the bank was very belittling and demeaning to my current situation. I am currently in a wrongful termination suit against my former employer XXXX. The gentleman on the phone was very intrusive as to my personal finances and who was paying my current bills. He wanted to know how I was paying for my cell phone and who was making my car payment. He went on to inquire who was paying my rent. He kept saying I need to get out of bed and be responsible. After repeated comments about me being immature and when I was ready to have an adult conversation he would be willing to help me. I asked how I was being immature and what help he could offer. He said I needed to ask my family and friends. I told him that my family has no been a part of my life for about 10 years ... .the same reason I am in a wrongful termination suit is the same reason my family doesn't associate with me. I told him repeatedly that my family does not associate with me. He continued to say that I needed to ask my family. 
Then he started in that I needed to get odd jobs and get paid " cash under the table. '' I said that is not actually legitimate and stealing from the government ... .to get paid " under the table. '' He said he can't be held responsible for my immoral decisions. I told him that he was encouraging immoral behaviors. To which he responded, " i don't care how you get the money you just need to get us the money! '' The guy got more and more indignant and started to yell. My friends were here and heard how he was talking to me and told me that it was absolutely inappropriate the way he was talking about my situation. After he told me I just needed to pawn everything and make a payment to the bank, I knew I was through and was not listening to him any longer. 
The attitude and the way he demeaned me on the phone was unnecessary. I refuse to be talked to in such a manner. After I just declined to make a payment due to his attitude is when he really went off. He said he would just continue to call me everyday and bug me into making a payment. I can't block the number because they call from " unknown. ''
Several years ago I received a notice from Fredrick Hanna and Associates saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then one came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia XX/XX/2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. XX/XX/2009 the attorneys of XXXX J. Hanna and Associates went to the XXXX County magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. Experian, XXXX, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
There is an open account shown on my credit report that is categorized as " family support ''. The lender is listed as New York State. This information is extremely outdated. That account has been paid in full as well as closed for several years. I feel it may be impacting my score and respectfully ask for your assistance in removing it. Thank You.
On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent named XXXX at XXXX EDT who opened up XXXX Citi Gold Checking accounts for me with the following promotion code : XXXX. XXXX stated that so long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles per account for the Citi Gold accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016 for both accounts, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.
I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now.
Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.
XX/XX/XXXX PRESTIGE FINANCIAL SVCE pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. OnXX/XX/XXXXI filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( PRESTIGE FINANCIAL SVCE ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. onXX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
I provide XXXX XXXX  and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. I don't know what else to do. Thank you for your attention to this matter
I was contacted by  XXXX   XXXX   (   XXXX   ) a t  XXXX . Originally he did not say where he was calling from, only that he was working wi th the District Attorney in my county and was  filing the next day to garnish 30 % of my wages and levy my bank accounts for a debt owed to  XXXX   XXXX  in the amount of {$790.00}. He said they will freeze any bank account with my name on it and take all the funds. I imagine interest is included as my credit limit was only {$500.00} and I was no where near that when I ran into financial trouble. Ultimately I would owe over {$3000.00} once attorney and court fees were applied. He told me that I needed to make a good-faith payment that day to keep him from filing in court.  <P/> I came to know this was a collection agency after I contacted  XXXX   XXXX . They told me the debt was now held b y Southwest Investor Group a t  XXXX . I called and asked for my balance and how to make some sort of payment arrangement. The young lady that answered informed me that it was with  XXXX  and transferred me.  XXXX   XXXX  answered the phone sounding angry that I called in on the  XXXX  number. I asked him to send me debt information through the mail as I had not received anything about this outside of a phone call in over a year.
Equifax information breach. I checked the impact of my personal information and received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
I opened the Citi Wealth Management Act # XXXX on XX/XX/18 under promotion transfer asset over 100K get {$600.00} I did everything I required for that promotion and called many times XXXX since XX/XX/2018 But they are not honor that promotion, I only get XXXX from them.
UNFAIR PRACTICES and CHEATING BY WELLS FARGO I have saving & checking accounts and debit & credit cards with Wells Fargo. I used by my debit card to make an online payment. I had more than sufficient balance in My saving and checking accounts to pay for the transaction in full, however to settle the transaction the bank only used money in my Checking accounts and for the rest unfairly used over draft facility tied to my credit card. So while I have cash balance in my saving accounts I have been charged overdraft fees and interest for an overdraft on my credit card. THIS IS CHEATING as logically and as a fair business practice the bank should first be using money in saving account and not my credit card. I request your help to resolve the issue
I responded on XXXX/XXXX/15 for reinvestigation and have not received response back from TransUnion case # XXXX
I have received my XXXX XXXX report and see that XXXX XXXX has pulled my report multiple time without my consent, I have never applied for any of these companies. 1. XXXX XXXX
My loan was recently sold from one mortgage servicer that was doing a great job to another mortgage servicer called Nationstar Mortgage that is not doing a great job. I just went through a situation regarding my escrow account that I wanted to share with you. I pay my bill on time every month. I received a tax bill from my local township that needed to be paid from my escrow account by XXXX XXXX. I contacted them to pay the bill XX/XX/XXXX. On the XXXX call I offered to fax them the bill, but they declined stating they will just call them and get the amount. After the bill was n't paid XX/XX/XXXX, I started calling them constantly to plead with them to pay the bill on time to make sure I received the 2 % discount. They would tell me it was paid, but nothing had come out of my escrow. After my XXXX or XXXX call, I was elevating to a supervisor to talk about the issue. Finally they paid late and covered the late fee. This started more problems with my escrow. Because the bill was n't paid on time, there was an analysis that states annual escrow account disclosure form that states I have a surplus of {$320.00}. They sent me a check. I called again and explained that this money was supposed to pay the taxes not be sent to me. That was on XX/XX/XXXX. They ran another ANNUAL escrow account disclosure on XX/XX/XXXX stating I owe {$390.00} due to escrow shortage! What is going on with this company. The icing on the cake is I sent in the {$390.00} with the escrow slip they provided and they applied the full amount to principal. This was an escrow shortage payment sent in with the slip they provided and now I have to call them again to have this money placed correctly into Escrow. I have had several mortgage servicers and this is the worst customer experience ever. I am completely stressed out and was hoping your organization to fix the incompetence at Nationstar Mortgage.
Alliant Capital Mgt Co. XXXX original acct # XXXX internal acct # XXXX   Company took out twice the amount from my bank account as agreed in my original settlement agreement ; causing my bank account to go negative and causing me to miss work because I have no way of paying for transportation costs to get to work. 

I spoke to company representatives on XX/XX/18 and was told that the money was " immediately '' being returned to me account, then they told me that the amount was only " pending '' and would not affect my bank account. Then on XX/XX/18 was told the monies were taken and they had no idea when it would be returned. 

I expect the remainder of this debt to be forgiven based upon the repeated false statements and violations being taken against me and the irreparable harm I have undergone and continue to be faced with. I do not know when I can return to work because I am broke because this company took {$620.00} from my account twice in the same day and they are still saying they didn't do it ... My account is overdrawn over {$220.00} at XXXX Bank.
Through a credit monitoring agency, I received a notice that a hard inquiry was placed in my Equifax credit report by XXXX XXXX XXXX on XXXX/XXXX/2016. Someone used my SSN to order XXXX cell phones. After contacting XXXX XXXX XXXX Fraud Center on XXXX/XXXX/2016, they confirmed I did not make the purchases and that XXXX unfortunately had already delivered the phones earlier that day to my previous address, a house that was empty. I had filed a credit dispute with Equifax on XXXX/XXXX/2016. Today, XXXX/XXXX/2016, I checked on the status of my dispute and Equifax states that the hard inquiry will remain in my credit report, even though XXXX XXXX XXXX admitted that the inquiry was fraudulent. How is it that Equifax will not exonerate an identity theft victim? What can I do to have the incorrect inquiry removed from my credit report?
I noticed my XXXX score had dropped from XXXX to XXXX. I was able to get a credit report and noticed that a debt ( {$390.00} ) was presented to the credit bureau. I did some research and found out that a collections agency called XXXX XXXX presented the debt.. The case was open in XX/XX/XXXX. I have never received an email, mail through the USPS or a phone call. However, I'm receiving continuous off the wall phone messages from people offering a pre-approved {$250000.00} dollar loan as well as individuals seeking out a " wall cover person '' The numbers are not local, so I ignore the calls. If XXXX XXXX is using an alias to contact me I don't know. I have never heard of Convergent Outsourcing and have never been contacted personally. I have contacted them ( XX/XX/XXXX ) and explained, as I'm doing now, and have not heard back from them ( XX/XX/XXXX ).
On XXXX XXXX, 2015 I paid a debt of {$98.00} XXXX, ( with a XXXX ), for an outstanding balance due. It was finalized on XXXX XXXX. So last month when I was checking my credit report, I disputed this charge because it had been paid month 's ago. The dispute was acknowledged by the company at which time they posted it as an existing outstanding balance again and this time it was reported to XXXX as well as XXXX as such and has lowered my credit score because of this. I contacted XXXX personally today and they showed where this debt was paid on the dates listed above. I then called the billing department with XXXX as well and she acknowledged it had been paid as I had stated. She stated that she would be contacting AMCOL to have them remove this item. However, I am very upset that this has become an issue and feel as though I am being negatively impacted by the poor and unethical reporting processes conducted by this company. I want this fraudulent information removed from my credit report immediately and my credit for this matter repaired. I am hoping you can assist me with this.