WillisBack/dataset-financial-user-claim huggingface dataset:
First of all when I consigned these loans I did n't know the difference between federal and private with Sallie Mae. The interest was anywhere from 10-13 %! I begged for consolidation at 4 % when the XXXX were doing that. This is how I found out these were private loans and they did whatever they wanted, they did n't follow federal guild lines. we could not make the huge payments and they would not work with us at all. We defaulted. They are now threatening to attach wages and sue. I would be willing to make reasonable payments if the started over and added 4 % interest to our loan! NO ONE should have the right to charge 12 % interest! My question to you also is, can they attach wages or retirement funds. Thank you for your help. We need to pass H.R XXXX!
I communicated with XXXX from XX/XX/XXXX to solve the problem of their service. They were not able to solve the problem, I closed my account with them the morning of XX/XX/XXXX. Their billing cycle closed on XX/XX/XXXX. Attached is my log of the calls which I made to XXXX with their dates. I have taken these from my daily journal. Attached is a file of the details which I sent to the first collection agency XXXX assigned to collect. The first collection agency was sunrise credit services. See the attached pdf file XXXX. This also has the information that I had sent XXXX their equipment back to them. 
They had told me that XXXX  is charging for equipment not returned to them. I sent a second Fax with the receipt of XXXX equipment sent to them by XXXX ( as per XXXX request ). I also asked them to send the details of the {$210.00} bill, which I never received. I was told that since my account was closed they could not send me any details. I did not hear from sunrise credit service again. See XXXX for their info. XXXX was the letter sent by XXXX I did not receive any bills from them detailing the amount. See XXXX for their last bill sent to me and there is a credit since I paid them on XX/XX/XXXX for the amount I owed them. 
I was contacted by Diversified Consultants in XX/XX/XXXX. See XXXX. I told them that I contest the billing. I have not heard from them. They do not have a fax number on their letter. 
I do not think that it is fair to get multiple collection services after me and XXXX not giving me information on their last bill. If they are charging me for equipment then they have received their equipment. If they are charging me for closing their services, then they are wrong on two counts. 
1.My service was started as with no contract. 
2. They could not provide the services so I had to close their account and ask XXXX to install their equipment. They installed new modem which solved the problem which I was having with XXXX. 
I have XXXX XXXX XXXX and I do not appreciate XXXX hounding me with multiple credit services.
I have a mortgage with Nationstar Mortgage. In XXXX, 2015, made a payment which it was interest only. Today, when I was about to make the XXXX payment I realized that the funds were not applied, I presume because my plan changed to regular amortization. 
My complain is that I was not advised of the change during the last 60 days so I could refinance ; they do not send me any document in writing by mail, and by e-mail I was not warned to. I need to refinance my XXXX and XXXX mortgage that has been impossible since my mortgage is not owned by XXXX or XXXX XXXX, so it will be a no ending struggle with this company?
I applied for a mortgage  at BB & T w/   XXXX   XXXX   , Mortgage Loan Officer N  ML S ID :  XXXX  Office :  XXXX  Mobile :  XXXX  at the  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  branch.   After explaining that the seller wanted to close asap and that  XXXX   XXXX  was the absolute last day the seller was willing to wait to close,  XXXX  and  XXXX  in the  XXXX  had no sense of urgency whatever, and did not communicate with us or our agent after we begged, pleaded, emailed, etc. No common decency or even professionalism was shown. I did everything asked in a timely fashion and they waited until well after the deadline to alert us that the loan was basically not approved. It was " conditionally approved '' after the fact but that is not what the agreement stipulated. The home is being sold "  AS  IS '' and so there can be no contingencies for repair and they knew that if they read the agreement. They all should have known that and if that was an issue from the beginning, then they should have said we do n't write as-is loans. I am a well qualified borrower with assets at my disposal, and a pillar of my community. They repeatedly dropped the ball causing this deal to fall apart and me to loose money. Exasperatingly incompetent to be in the mortgage origination business. They should be sanctioned to the highest degree.
On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''?
I have two Certificates of Deposit dated XX/XX/XXXX totaling {$25000.00}. In XX/XX/XXXXI took them to Wells Fargo XXXX XXXX XXXX, XXXX NCXXXX to redeem them. I spoke to a customer service agent XXXX XXXX. He told me they couldn't redeem them as their records only go back seven years. I have paper records. Why can't they redeem them? I have the originals in my possession. On them it states : " Automatically renewable ''. Can you please help me get my money. I can send you copies of the CDs. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  NC XXXX  ( as shown on the CDs ).
I was contacted this morning by Eagle Recovery Associates and XXXX I believe her name is. Mentioned that, '' It does n't take a genus to figure out if I can buy a house I can pay off my debt. '' I never mentioned to them that I purchased my home literally 2 weeks before they contacted me. I am being harassed and the lady said she would press charges if I did not pay my account in Full. I was told that by a supervisor as well. I feel Harassed!
In late XX/XX/XXXX or early XX/XX/XXXX I opened a credit card online with XXXX. After my first order I requested closure around XX/XX/XXXX because I felt the merchandise was substandard and the credit limit was not worth my trouble. I also requested that a written statement be sent to me showing the closure and the balance so I would have records. The statement arrived sometime thereafter with payment due date of XX/XX/XXXX. 
On today XX/XX/XXXX, I called there customer service line to pay the account balance and their system would only allow a check payment so I entered my account information and immediately was informed after receiving a payment confirmation number that a payment profile had been created with my account information. I was not given any choice as to whether or not I wanted my checking account saved on their system. After informing me that the checking info was saved, I was then informed that the credit account was closed.
I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief.
I paid XXXX XXXX  {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. XXXX was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
I filed bankruptcy and it has been discharged, and am continuing paying my mortgage on time -- it is current. But SETERUS does not send me statements and nor can I download them. When I make payments to them, I have no idea about my new balance, etc. Providing a customer with a statement does not constitute a request for payment. My second mortgage lender, XXXX, provides me statements without payment request, so I know it is possible. I do not understand why SETERUS does not, but at this point I feel it is unlawful to not inform existing mortgage holders of balances, etc after payment is received. They will not talk to me over the phone and insists they can only speak with my lawyer. Again, my bankruptcy has been discharged.
After receiving a copy of my Experian credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Experian, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Experian has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed.
I demand the following accounts be verified or removed immediately.
XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCredit Unions XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXXTenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX
I went to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX, at approximately XXXX XXXX, XXXX XXXX of XX/XX/2018 to buy groceries, including getting XXXX dollars cash back on a personal check written from my bank, XXXX XXXX XXXX XXXX. I have written checks many times at that exact location of XXXX XXXX before with no declines of my checks. I was told today by the XXXX XXXX checkout staff to call Certegy, and was given the phone number to call, which is XXXX. 

I spoke with a woman at Certegy about XXXX XXXX over the phone, and it was a very bad call, and not what I wanted to hear. ( I do not remember her name, but all calls are recorded. And yes, I was VERY upset and I used a curse word and anger filled words because she refused to give me the exact reason, as I asked her several times. We as consumers should never be treated and punished in this way. I lost my father and uncle in the same year recently, so I was very upset. I apologize for the bad words and anger, but you can understand why I was so upset. This should not have happened. ) The amount of the check was for {$110.00}, which includes {$40.00} cash back. Same credit union and same bank as I wrote a check there before at the same location. I have a copy of my Certegy report and NO checks are outstanding or showing returned, so there is literally NO reason why this should have happened. 

I am upset, humiliated and embarrassed. I feel harassed and insulted to say the least. Consider this a direct complaint against Certegy for the way they treated me and declining my check without ANY EXACT REASON given. A cookie-cutter list of reasons is NOT the exact reason. And she REFUSED to tell me the real reason, which is unacceptable, and should be considered a direct attack on my credibility and integrity. 

I shop at that store all the time. I will not be forced to use another form of payment, when this is basically the only way I do business. I have been a victim of fraud in the past, so I can not use a debit or credit card anymore. I do not feel comfortable using any form of card now because of being a victim of fraud and theft directly towards me. 

Please, get on top of this right away for me. I would greatly appreciate it. Thank you.
After seeing a debit card transaction on our account that I did not recognize, I researched as much as possible by contacting the company in question several times. They had no information as to why we would be billed as we were n't even in their system. I also checked with our insurance company which did not have any such billing through them. We never received a statement from our insurance company pertaining to this transaction nor had we done business with this particular company. I contacted via phone HSA Bank and spoke with XXXX. She canceled the card and emailed a transaction dispute form for me to submit. I submitted the form on XXXX/XXXX/16 per instructions on the form. It was received by their agent on XXXX/XXXX/16 per USPS tracking. On XXXX/XXXX/16 I spoke with XXXX who said there was no record of receiving it. On XXXX/XXXX/16 having no reimbursement into our account nor hearing from HSA Bank, I again contacted and spoke with XXXX, who told me there was nothing they could do as they only send out the forms. The supervisor refused to speak with me but suggested through XXXX that I send a letter or fax. On XXXX/XXXX/16 I faxed a letter along with proof I sent and they received the form. I have yet to get a response. On XXXX/XXXX/16 I called one last time and spoke with XXXX XXXX who said to email her my proof and she would forward it to the appropriate dept. I have yet to hear anything from anyone at HSA Bank and have not received reimbursement to our account per their on own protocol ... within 10 days. As an added note, the dispute form instructions plainly state that if I have any questions to call the number on the back of debit card ... THEY 'RE the ones who keep telling me they ca n't help me!
I received a non reply email from CFPB stating, " Thank you for your complaint XXXX about EQUIFAX ''. We 've sent your complaint to the company for their response. Here is the problem the Credit Reporting Company ( EQUIFAX ) place me under FRUAD ALERT without any request or authorization from me then send out inquiries for information. After a company provides incorrect information the Credit Reporting Agencies treat the information as genuine without making any examination or comparison with the information that 's already on file that was previously reported. If this was being performed they could see and understand why the Consumer filed a Complaint/Dispute when the facts from the information do n't add up. The Consumers explanation and documents of proof receive little to no consideration against what they receive from the erroneous investigation. When a company reports something one way over a long period of time and then there is a change and negative reporting starts there is another side to what the company is claiming and offering as genuine. EQUIFAX is just going thru the process without providing the consumer the benefit of determining the true facts that would assist the Consumer in having a valid Credit History Report.
I agreed to pay  XXXX  ever  XXXX  for 10 months to payoff. I made  XXXX  payments  XXXX  {$200.00}  XXXX  {$79.00}  XXXX  {$79.00}  XXXX  {$79.00} all to  XXXX  Illinois And  XXXX  to  XXXX  collections Grand tatol {$830.00} means I over played but which amerend sent me check of  XXXX  taking it to  XXXX  tatol.       So then me   and company   agreed to pay    what I   o wed which was  XXXX  after I sent proof of payments. And I played them the  XXXX  in full now I 'm seeing on my credit report. And ever time I call they have not talked to  XXXX  Illinois yet.
Hi there, I have a complaint against Experian Credit Bureau. I have been paying for the credit services that they offer to track my credit and score for the past year. I have paid all of my bills on time and for some reason I do n't have a score with Experian but I have one with XXXX and XXXX. I am trying to obtain a loan and I am being denied because the creditors pull credit from this particular bureau.
On XX/XX/XXXX received a phone call from a SC number. I spoke with a black male who asked who I was. I stated may i ask who is speaking. He stated i assume this is **** ( Myself ). Asked me to verify the last 4 of my SS and Date of birth. He did advise this is an " admit to collect a date ". I advised about a loan dated back to XX/XX/XXXX for a payday loan. I advised that i was currently working and paying this loan with someone else. They then advised me that i was being scammed by the company that i am paying and that they have the loan in their office now as of XX/XX/XXXX. I have not received any documentation from this company. Today, i received notification that from my credit monitoring that they have added this loan onto my credit dated back from XX/XX/XXXX. I am in the process of paying this loan every month from a company that worked out an agreement to clear this up. and also disputed this with a XXXX credit bureau.It has not been placed on my other major credit bureaus. I am the process of sending a debt validation letter as well. But i never received documentation that this loan was sold. And per the people i am paying they have not sold this loan to anyone else. And also this loan is pasted statue of limitations, and also i advised that to the rep who i spoke with today as well. He stated that well that is true but since we placed the loan in our office that we can place it on your credit.