WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with  Seterus. My previous lender and I had a dispute over late fees, which was never resolved. Seterus sent me a letter, offering me a 50 % discount if I paid those late fees by the expiration of the notice.  Unfortunately, they sent me this letter 30 days after the letter was dated, so the offer expired next day. I called Seterus and asked if I could pay it via telephone. The agent advised me that I could, but only if I scheduled my mortgage payment at the same time. I asked if there will be a fee, either to accept their offer and make payment via telephone, or to schedule my mortgage payment. the agent said, " No '' to both. I went ahead and paid the {$83.00} which was the amount of their settlement offer, and  three days later I noticed that they had deducted from my bank account {$93.00} instead. They have a lso charged me another {$10.00} to schedule the mortgage payment. In addition, when I received my statement the following month, all the late fees were still added to my account. I have contacted  Seterus, but their nasty, nasty CSRs, keep me on the phone for 45 minutes to one hour and do nothing about m y issue.
After 2 years of terrible service and overbilling by XXXX XXXX we terminated our lease and service with them at a corporate store. This was done on XXXX XXXX 2017. Approximately 2 months later we received a letter from a collection agency demanding payment of {$720.00}. Prior to this we had not received any bills from XXXX since we cancelled our service. When we left the corporate store on XXXX XXXX 2017 we were assured that we had done everything necessary and we owed nothing more. When we called the XXXX customer service number listed on the letter we were treated very nasty and told they could not do anything and that we had to go to the corporate store to fix it. We then we back to the same corporate store on Sat XXXX XXXX 2017. We spoke to the assistanct manager there and showed her the receipts we had from the date we terminated service. She also looked everything up on the computer to confirm. We were offered a copy of the bill ( which we never received ) for service going past our date that we terminated our service. The assistant store manager agreed that we did everything that we were supposed to do and we called customer service while at the store. She verified to customer service that we returned and terminated on XXXX XXXX 2017 and that this was not an error on our part but in fact an error on XXXX part. The answer from customer service was there was nothing they could do even with the assistant store manager offering to give them proof. Customer service would not transfer us to a manager on their side and told us to take it up with the coolection agency. This is fraudulant billing and they are threatening to stain my credit. After searching online they have done these dirty business practices to hundreds of other people.
I WAS IMPACTED BY HURRICAINE " MICHEAL '' HERE IN SC IT WAS DECLARED A " NATURAL DISASTER '', I HAVE BEEN CONTACTING XXXX XXXX XXXX SINCE THEN STILL TRYING TO BATTLE THEM CHARGING ME {$27.00} -LATE FEE TWICE AND {$38.00} PMNT XX/XX/XXXX & REP : XXXX XXXX STATED THAT SHE CAN ONLY REMOVE ( 1 ) OF THE 3 LATE FEES AND SHE COULD NOT DO ANYTHING ABOUT THE " NATURAL DISASTER '' FOR ME, SHE STATED THAT I WILL HAVE TO WRITE : XXXX   XXXX XXXX ( CORRESPONDENCE TEAM ). THE REP ALSO STATED THAT THERE WAS NO PHONE NUMBER TO CALL FOR THAT SPECIFIC DEPARTMENT. I HAVE DONE THIS WITH MY OTHER CREDITORS AND THEY PLACED THE NATURAL DISASTER CODE ON MY ACCOUNT AND STATED THAT MY PMNT WILL BE DUE XX/XX/XXXX. I AM HAVING A VERY HARD TIME WITH XXXX  XXXX.
These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.
I called Transunion Credit Bureau back on XX/XX/2018, to dispute the following unauthorized inquiries that are showing on my recent report I pulled from XXXX XXXX .XXXX The agent on the phone was rude and would not assist in my request. List of the inquires are the following : XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX   XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX   XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX IXXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XX/XX/2018 TRANSUNION
A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.
Car loan with XXXX XXXX XXXX is reporting monthly late remarks after being approved for a loan approve extension. Account should not be reporting as late on credit reports. Also late fees are still showing, and were to be added to the loan extenstion. And I am continuously robocalled numerous times a day about making a payment when my account is current.
In XXXX 2015 I was informed while attempting to obtain a new lease with another car company that XXXX XXXX XXXX ( " XXXX '' ), whom I currently lease a vehicle from, had reported my account to the XXXX major credit bureaus ( Transunion, XXXX, XXXX ) as 'delinquent ' for the months of XXXX and XXXX despite making all the necessary lease payments in a timely manner. My payment schedule will confirm such. 

This egregious, potential violation of the FCRA has driven my credit score to the level in which no local Credit Union will provide lease financing at my original negotiated rate with the dealership. XXXX claims to have reported no notices of delinquency however it 's clearly present on all XXXX credit reports I obtained. Disputes have been submitted. 

I have contacted and urged XXXX leadership to fulfill XXXX 's XXXX Customer Value to " ... promote a customer-driven corporate culture by providing the best quality and impeccable service with all of our efforts aimed at satisfying our customers. '' This has gone beyond any stage of inconvenience and has become detrimental to my ability to engage in critical necessities for my livelihood. I have respectfully requested this situation is rectified with the credit bureaus immediately so as to prevent any further damage caused. 

Thank you for your attention in this matter.
United Collection Bureau , INC . Trying to play games for illegal debt collection on XXXX account. I never charged anything on my XXXX card for past 1-2 years. now they sending me the bill of {$280.00}. I ask them to send me the receipt with my signature and there is NO Reply from them for last 2-3 weeks. Looks like they have Fake website and email address? or This company does not even exist? Please Investigate are they exist? or this is XXXX Scam?
This is about the lack of response from Discover card about my complaint number XXXX. On XXXX/XXXX/16, XXXX XXXX XXXX of the executive department of Discover card left a message on my answering machine at XXXX He asked me to call him at XXXX as soon as possible, and gave me his office hours. I called at XXXX XXXX, and discovered XXXX XXXX was unavailable, and that the Voicemail that he shares with XXXX XXXX was full. I called XXXX more times Wednesday before XX/XX/XXXX., and XXXX this morning. I can not contact him. All I want is the promised free XXXX score.
Bank of the West performed a double withdrawal from my daughters account for a car loan which I am the primary loan holder and she is the comaker but it is her car in XXXX of XXXX. When she requested that the excess be returned they stated that it would take a minimum of 2 weeks to process. Since my daughter could not wait that long to get her money back she performed a stop payment of the XX/XX/XXXX payment, and then repaid the payment using a different account. My daughter was not able to use her bank account to make payments any more. My credit started to suffer this year and I began to receive higher interest rates and poor credit scores. I was not aware as the reason why. 
It came to light in XX/XX/XXXX that Bank of the West was reporting that a payment for XX/XX/XXXX was never made. However, proof was faxed, then refaxed and emailed that this was not the case, and the payment was up to date. Allowing 5 or more business days each time to allow for them to examine and correct. Both my daughter and myself continued to get the run around of them not receiving the information and that is why we had to keep submitting the documents in various forms. The last conversation it was stated that we received a check refund on XX/XX/XXXX and that is why we continue to be behind a payment ; however, we never received a check. They also could not provide a copy of the check or a cancelled deposit check. We need your help to resolve this as it has seriously hurt our credit and Bank of the West has been so difficult to deal with.
We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.
The company responded to our complaint, # XXXX, however, in their response they attached a corrupt file that can not be opened.
I believe this is the second time I have to report this company. The representative from HHGregg told me, when I initially signed up for the card and purchased my refrigerater, that the purchase would be interst free. Once again, however, Synchrony Bank is charging me the ridiculous amount of 29.99 % interest on my account. Also, last month, I sent in my payment on time on XX/XX/XXXX when it was n't due until XX/XX/XXXX. On my bill this month, they charged me a late fee of {$35.00} which they refuse to remove. I believe this company needs investigated or at least my account looked into by a government entity like yourselves. This company has tried everything in their power over the coarse of my loan to extort more money out of me, and I 'm fed up with it. I am sending this complaint to the appropriate attorney general 's office as well. Thank you.
Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.
Amounts paid on account were not properly posted to account to allow for the interest to be applied to the correct balance. Therefore I was overcharged interest.
Equifax is currently reporting XXXX charged-off accounts from XXXX that are grossly incorrect. I contacted XXXX via phone some months ago to obtain account numbers to investigate these accounts. They were unable to provide them. I filed an online dispute with Equifax and they were incorrectly " verified ''. Equifax is being grossly negligent in reporting these accounts and is causing a great hardship.
This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.
When I opened my Chase XXXX XXXX card, I chose paperless statements. There is a statement under the checkbox for this online : " We'll still send you email reminders 10 days before your payment 's due. '' ( See attachment. ) My due date is the XXXX of each month. 

1. They NEVER actually send a paperless statement by email. I have NEVER received an emailed statement for this account. 

2. The payment reminders NEVER arrive when they claim they will. My last reminder arrived on XX/XX/XXXX, so it either was sent by Chase five days AFTER the XX/XX/XXXX statement deadline, or 26 days BEFORE my XX/XX/XXXX statement deadline. They specify nothing in these vague reminders ; they don't say which month 's statement they refer to ; they don't even provide a link to the statement in question. ( see attached image of this email, including date it was received. ) As a result, I have racked up late fees and interest charges from this confusion and lack of timely reminders, not to mention the fact that they AREN'T EVEN SENDING ME PAPERLESS STATEMENTS. All of these things tell me that they are doing EVERYTHING they can ( barely legally? ) do to set people up to rack up late fees and interest charges. 

I called them today to cancel paperless billing and have statements sent by mailit 's the only way I can reliably get the information in need in the time frame I need it.
I am with Navient. They kept putting me in forbearance, when I finally got an income based plan, they would n't let me renew and would come back with all these fees. When I tried to make extra payments to pay down the balance, they took the money as fees. When I fell behind they told me that they would waive the fees if I sent in {$500.00}. They put it in writing. I sent in the money, they took it and kept it. Told me what they would n't waive the fees and ignored the letter they sent. I uploaded the letter to their website, then called, they said they did n't get it. I told her I was looking at it on their website, on the tab market, loan documents, she told me that they do n't have it. I mailed it in, finally they told me they wo n't waive the fees they just told me that to get the cash, which they put towards FEES not my balance. 
No matter how much I send them, it never reduces the loans a dime, there is always some fee out there that takes it. 
Just non stop lies. I pay and pay and the balance keeps rising. When I call they say I am current, when I look on line it says I am behind. When I call back, they tell me to ignore it, its just fees. I can never get a straight answer over how much I owe or what my payment really is. It has been a never ending nightmare. I feel like I am going to die owing these loans.
On XX/XX/ 2018 I sent RASH & CURTIS a cease and desist letter.

RASH & CURTIS is still reporting COLLECTION ACTIVITY on this account and have not responded at all to my letters. Please see credit reports listing collection activity
I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later XXXX XXXX XXXX contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had  moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, XXXX  and Experian all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, XXXX  and Experian Credit Reports.
XXXX XXXX filed a correction to my creit report to XXXX XXXX. the report is wrong because XXXX have no complaint about a late charge. This was not removed from my credit report. Also experian credit report has the same erronance report on my credit file. I would appreciate this error being resolved.
I had no idea I had an outstanding debt with XXXX. I did not once receive a call or email in regards to this debt. I believe this is a debt collector from XXXX, in which they ( XXXX ) has always kept my up-to-date contact information. Therefore, I would like to respectfully dispute this claim.
I have checked my credit and seen a very old debt from Aargon agency collections. And I see that the debt is more then 9 years old but they keep updating the debt as if the debt is new. I also never knew of this debt and I was never notified of it. But its an old debt that is more then 8 years old it  should taken off my credit.
This person was selling football tickets online so I reached out via email and later by texts. The person requested to use XXXX for payment which is associated with my XXXX quickpay so I felt safe to do so. but that person never sent the tickets nor responded, phone Shut off, which I realized it was a scam. I IMMEDIATELY contact XXXX but was told they couldnt cancel or stop the payment from my account as it was an instant transfer even though it was a Sunday the money was still showing pending. so I called again early next day to report a claim, so far the money has not been refunded to me and I received a mail from XXXX saying the transaction is valid.
I received my consumer report and it states I have reported information from TCF National Bank from XX/XX/2012 for non sufficient funds at ATM for an amount of XX/XX/2012, I was unaware of this being on my account but previously I received a call in 2012 from the bank and I explained to the representative I had no knowledge of a check being deposited, I would like an investigation done because I 'm trying to obtain a checking account through a bank and this is hendoring me.
I pulled my credit report and there was an account from Ally which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
I moved address back in XXXX and did not receive the statements. As a result, I was late on payment for a few days. I contacted Citi and they told me to make a payment of the statement balance less the late fee charge and they will reverse the fee in 3 business days. I made a payment as told but I did n't get the fee reversed. I contacted again and they mentioned they would look into this and get back to me. However, they never got back to me and I did n't get the next month 's statement and I was charged late fee again! I am very frustrated about the customer service. They made false promises and could not even deliver their statements. They did not hesitate to charge fees even it is their own mistake.