WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a payday loan on XXXX XXXX with big picture loans. After applying I was told I was approved for {$1000.00} with a {$500.00} finance charge. I was not given a truth in lending disclosure until after the transaction was complete where I saw that it was actually {$1000.00} with {$7000.00} in finance charges. My contract says that I have 15 days to be late before any fee is applied and to pay off the initial balance which would only be {$1500.00}. I tried calling big picture loans to extend the payment date to next week to where I would just pay off the entire XXXX and they refused to stop the payment. The contract says that payment can be changed to business days prior. I did stop payment with the bank but was told that if they change their vendor name by even XXXX number that they still may be able to take the payment out, even though I called on the XXXX which was three days prior to the due date on the XXXX and told them that they no longer had permission to debit my account. unfortunately the contract only opens in my online account and can not be saved
The is a follow up to complaint XXXX to be sent to XXXX for response. 

A recent federal government report stated that loan providers like XXXX XXXX provide borrowers with wrong advice. 

In my case, this misinformation has resulted to the following : 6 years worth of payments essentially being wasted. I was put into deferment during my XXXX XXXX XXXX and into forbearance after I completed my service, rather than taking the time to help them understand income-driven repayment. This has caused unnecessary fees and I pay more interest as a result. 

Can I trust your student loan servicer? 
I thought XXXX XXXX had the right answers. I had talked to them on several occasions in XXXX and XXXX about my PSLF and they told me I will pay the amount I had paid for XXXX or XXXX and not {$750.00}. I was told my told I will be notified to make the payment within 60 days. I was informed that I should not worry as my loan will not be reported as delinquent until after 90 days and by that time will have received the notification to pay the same amount I paid in XXXX for XXXX. 

Its not just on payments that I have been misled. XXXX XXXX have misinformed me on : Income-driven repayment Student loan processing errors Failure to help me understand my options when I came out of default Failure to help me understand Public Service Loan Forgiveness during my XXXX XXXX XXXX. 
Incorrect or insufficient information about eligibility, including types of qualifying loans Missed qualifying payments due to processing delays Problems with the job certification process resulting in miscounted payments XXXX XXXX can not say I talked to a customer service representative whos low on the totem pole. XXXX pointed out. This doesnt let XXXX XXXX off the hook. As the governments agents, XXXX XXXX serve the public and should make better efforts to provide accurate information, especially since they benefit from this arrangement.
I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.
I WAS EVICTED FROM MY APARTMENT IN THE LAST MONTH OF MY LEASE AFTER I ALREADY PAID RENT AND ONLY HAD MAYBE A WEEK LEFT IN MY APARTMENT. WE WENT TO COURT FOR EVICTION PROCEEDING AND THE JUDGEMENT SAYS I ONLY WAS TO GIVE POSESSION OF THE APARTMENT OVER AND I DO NOT OWE ANY COURT COST, FEES FROM THE LEASE OR BACK RENT. THE APARTMENT COMPLEX IS REPORTING ON MY CREDIT THAT I OWE THEM {$1200.00} FOR RELETTING FEE AND EARLY TERMINATION FEE DUE TO NOT TURNING IN MY 60 DAY NOTICE BUT THIS WAS PROVIDED TO THE APARTMENT MANAGEMENT WHEN IT WAS TIME FOR ME TO TURN IN MY 60 DAY NOTICE. NOW THE DEBT COLLECTOR IS STATING THAT I NEED TO PROVE TO THEM THAT I TURNED IN MY 60 DAY NOTICE BUT THE JUDGEMENT CLEARLY STATES I OWE NOTHING!!! IVE TALKED TO THE APARTMENT MANAGMENT OFFICE AND ALSO THE DEBT COLLECTOR WITH NO LUCK. I HAVE DISOUTED THIS SEVERAL TIMES ON MY CREDIT REPORT AND NOTHING SEEMS TO HAPPEN.
Hello my name is XXXX XXXX and I wanted to file a complaint on national quick cash in XXXX Oklahoma. Because they sent my check over to my bank and it took the money out so then I waited today for it to go through and it did. So I call the loan company asked them if I bring in a bank statement and show them it went through so they said we 'll we ca n't take bank statements anymore. But last time it was n't a problem until now so now I have to wait a week to reborrow from them and they were just so rude about it over the phone. So I need some kind of exvice or something because this does n't seem right all other loan companys take bank statements but this one suspobly do n't do it now so this is making me so mad and stressed out.. Thank you
I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections.
My loan is due to come out of deferment/forbearance on XXXX/XXXX/XXXX. I made a payment for {$80.00} ( twice the monthly amount due ) through my bank on XXXX/XXXX/XXXX to be delivered on XXXX/XXXX/XXXX. The payment was processed on XXXX/XXXX/XXXX and 2 days later, still due was {$40.00} for XXXX/XXXX/XXXX. I inquired with Heartland ECSI and they said that payments made more than 10 days before the due date are applied to current month and not the following. This obscure rule is not outline on their website. After dealing with several CSRs, my payment was applied for XXXX XXXX and the next payment will be due in XXXX XXXX. Upon further inspection of my account, what was not explained in detail was that even though the site said that my payment for {$80.00} was applied to my principal, my payoff balance was {$9.00} short of what it should have been. After inquiring with another CSR, they said that the missing amount was for the interest accrued for XXXX XXXX, yet I still owed a {$40.00} payment for XXXX XXXX -- that should not be considering a payment was made and the site said ALL monies went towards the principal, when in fact, {$9.00} went towards interest for XXXX XXXX. This company is using underhanded tactics in an attempt to fool and cheat its customers.
I have called Paypal no lie over 30 times and have been placed on hold anywhere from 20 mins to 3 hours at a time with no check backs. I opened a dispute or XXXX the wrong way. I have since resolved all issues with the individual companies from XXXX. There should be no disputes currently opened with paypal. I have called ever since and they laugh at me, do not treat me like a person for complaining against them. It is now hurting my credit and I ca n't use paypal. I just called again today, please pull the call records, I have them from XXXX. I am calling from XXXX to all numbers I have to paypal, repeatedly they refuse to service my account fairly. Please help.
I sent a dispute to XXXX stating Capital One re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from XXXX   stating that Capital One has verified the information to be accurate. This is a problem on two fronts. Capital One has re-aged the account, and XXXX   hasn't actually made an investigation themselves. XXXX sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. XXXX is not reading their own document.
I have sent 4 letters to Experian to update or remove inaccurate information from my credit profile, and they have not did their due diligence in this process, meaning they are getting results back in less than a week, I feel like they are just using the XXXX XXXX   and not letting a human read and do the work. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question, I have asked for this information several times with no results.
First Data Global Leasing/corporation did nothing but deceive from the XXXX meeting with company representative XXXX XXXX, promising a non existent manual processing machine ( " XXXX '' ) for a trade show promotion, to no initial fees which were taken from my business account 5 days later, an automatic signup for " XXXX '' coverage that I specifically and quite clearly declined and all on a binding contract that was never signed. Repeated phone calls were never returned by the F.D.G.L. representative, XXXX XXXX, to address these issues. But when I went to XXXX, the point of vender contact, a call to his phone was answered immediately when placed by the branch manager. How can this possibly be legal? They NEVER batched out a single transaction, because we NEVER used, connected the terminal or processed a single card with the terminal. When I finally made contact with a F.D.G.L. agent, I was informed that XXXX XXXX no longer worked for the company and my contract is legal and binding. I agreed to a 3 year lease for the processing and the agent extended the terminal lease to 4 years. Now that the contract for the processing is over, they want {$600.00} for early cancellation of the terminal lease, plus the money for XXXX which I clearly stated I did not want nor need. I HAVE INSURANCE. How can this be legal? HELP ME PLEASE. Sign me up for any class action OR any action that can be taken. I have all of my records ; contract, bank withdraws, contact info etc. and will forward as requested.
XXXX   XXXX   XXXX    XXXX   has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX     2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score at t he moment.
I have a large amoun of small student loans over the course of years. XXXX degrees and XXXX degrees. I do take responsibility and pay my student loan. I consolidated to my knowledge my student loans under a navient servicing center that consolidated all of my loans. Little to my knowledge did i know the company could not consolidate a spousal smart consolidated loan with your DL 's. All loans were consolidated under 1 payment which is {$600.00} dollars monthly. My payments were only going to my DL and my Federal loans were getting nothing paid on them for over 8 months. Unto my knowledge I have now gotten my loans unconsolidated from a 4.75 % to a 6 % higher interest rate and all of the {$600.00} ive paid for over 8 months. I am unsure where the credit is. A balance started out as {$110.00} k was now $ XXXX due to double charging me for my loans and consolidating loans incorrectly. 
the balance has been corrected in the system back to the original $ XXXX but all of my {$600.00} a month payment ive made auto pay for over 8 months. I do not know where my credit is. The loan that was incorrectly consolidated is not XXXX + days over due. The servicing company has charged me late fees and I had to pay to get a extended forbearance because i have used up all of my forbearances. That has not been approved. Sent 1 email stating this was the XXXX delinquency notice out which indeed was the first on this past friday XXXX/XXXX/16 stating I can get my check garnished, bad credit reporting etc. My payments are not correct in the system. I went from a consolidated loan of XXXX back to $ XXXX but the payments are unresolved to the correct amount, the due dates have not been corrected, my {$8000.00} credit is no where to found nor credited to my account.Im still past due on my Federal loan with a late fee and I have to get my DL reconsolidated again as Navient servicing center cancelled the consolidated i had which had a 4.75 % and now its at a 6 % interest rate with incorrect payment amounts. Balances and amounts incorrect. My entire account is a unprofessional mess. I am so disappointed in navient unprofessioanlism and huge mistake.
I am requesting your assistance to resolve this urgent matter. 

My complaint is about negative information on my credit report that create difficulties for me to receive loans. During my divorced, I have, and still is experiencing financial hardship as a result of three companies restraining my ability to obtain loans from other companies. These fouXXXX companies that are hindering my ability to receive loans are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, andXX/XX/XXXXXXXX/XXXX XXXX. All four companies were paid in full and loans satisfied. 

For instant, XXXX XXXX ( XXXX XXXX XXXX XXXX ) received last final payment of {$6600.00} for an automobile loan on XX/XX/XXXX. There was a four years commitment to pay off this automobile loan for {$26000.00}. I paid it off within that frame of time, four years. In spite of my difficulties, I managed to keep my commitment payment agreement. I believe negative information should be removed due to circumstances mentioned. 

Furthermore, XXXX XXXX account sprung up from nowhere. I never applied for aXX/XX/XXXXcredit card from this company. There was a credit union who sold the company to XXXX XXXX. I wrote the credit bureau about my account being switched and I did not receive any options from the credit bureau to clear the matter. On XX/XX/XXXX, XXXX XXXX account opened and it has been updated as of XX/XX/XXXX. These last payment made on account was XX/XX/XXXX. XXXX XXXX account is current and pay as agreed. I was surprised to see an adverse remarks on XXXX XXXX account. These negative remarks must be remove because I gave this company my full efforts to pay on time and I did not abuse my credit limit amount. 

Additionally, XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX for {$4100.00}. I did not escape my responsibilities for not making payments, because it was my obligations to do so. I am requesting the late payment be remove because of my efforts to steadfast of my obligations and to not make matters worse. 

Finally, XXXX/XXXX XXXX, this account is current and paid in full. In advertently, due to some error, I have a 30 day delinquent on my account that must be removed, because this also hinder my ability acquire loans.
I have multiple, recurring issues with AmEx that suggest a pervasive pattern of fraud or misconduct that surely impacts many consumers. In XX/XX/XXXX, I  donated points to a charity. It took 20 HOURS of contacts over four+ months before the checks were finally sent to the charity. Last month, I donated points again -- - three sets on the same date ( XX/XX/XXXX ) ; the charity received the check for the first donation but is still waiting for the other two checks. 

Last XXXX, I purchased an item on XXXX. I refused delivery when it arrived missing pieces. The Seller agreed to provide a full refund. AmEx credited the full amount. However, six months later, it charged my account claiming the Seller had challenged by dispute and billed me again. To my knowledge, I am still due a refund of that subsequent charge. 

In XX/XX/XXXX, I purchased a guitar for {$1600.00}. The guitar started twanging so I returned it. I did not hear from the Seller for two weeks, so I filed a dispute and received a credit for the full {$1600.00}. However, every month since then, I have been recharged {$1600.00}, and I have to spend hours redisputing the charge. To date, the amount has been charged three times and credited three times. Last week, my payment-due increased dramatically. I scoured my XXXX statement but could not find how the amount was calculated. I charged {$3300.00} and received credits of {$2400.00} I do have a pay-over-time balance, so my payment due included {$360.00} in interest plus 1 % of that PIT balance. AmEx is demanding {$5000.00} plus the {$360.00}, which is exactly {$1600.00} more than my actual charges of {$3300.00}. I spent -- - literally -- - four hours chatting with AmEx. Fortunately, I copied and pasted some of the conversations, because some of them got deleted when I got booted and had to re-log onto AmEx 's chat.

I don't know what scams these are, but AmEx refused to address the {$1600.00} charge. Its rep said over and over that I needed a " new reason '' to dispute the charge other than that I bought a defective item, returned it to the seller with his agreement, and am still charged. He also insisted that AmEx is " just the mediator '' in disputes but that I have no recourse at all if the seller challenges my dispute. The seller, on the other hand, emailed that AmEx had withdrawn the full {$1600.00} PLUS fees from his account back in XX/XX/XXXX. He did not challenge my dispute at all! 

This is too pervasive to be unique to me ... and it crosses several categories of possible consumer fraud. How many points are donated to charities but AmEx never delivers those checks??? How many consumers are charged again and again for items such as the {$1600.00} charge? And when the statement clearly fails to substantiate the additional charge, what recourse do consumers have to defend against abuses such s this?
Transunion has some inquiries and information on my report that they have not investigated even though i have reported these to their fraud department. No resolution has been provided. There is a XXXX XXXX  bank account on my Credit report. This account is showing late incorrectly. I have been a victim of Identity theft. I want this account deleted and blocked from my credit file. Additionally there is inquires that i have reported to you that you have not removed. I am attaching an AFFIDAVIT once again. Please remove XXXX Inquire, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These are all inquiries i did not submit and i want these deleted / blocked immediately. Also i want the XXXX XXXX blocked, The two XXXX / XXXX XXXX Cards blocked which show as lost / stolen i did not open these cards and they are fraudulently reporting on my credit file. I will attach the FTC Affidavits below.
XX/XX/XXXX- Tried enrolling for an online account with barclay using credit card. 
Issue occurred, my information did not match credit card. Odd because it had my name of the credit card. So my next choose was to wait for an paper statement. 

XX/XX/XXXX Received a call from XX/XX/XXXX. Customer Service told me that my bill was past due. I never received a paper statement as to when my bill was due. I address the issue that about never receiving paper statement for bill. Lady then stated " that this is not our fault, XXXX is responsible that. '' " you do not have to pay now but the charges will increase. 
I paid the charge but felt it was not fairly handle by the credit provider.
Equifax said my information is likely to have been stolen. I received this info on XXXX XXXX, 2017.
My account with XXXX XXXX XXXX was hacked and the following activities took place : 1. On XXXX/XXXX/XXXX, {$750.00} was fraudulently drawn from my checking account. 
2. On XXXX/XXXX/XXXX, {$3100.00} was fraudulently drawn from my checking account. 
3. On XXXX/XXXX/XXXX, {$2000.00} was fraudulently withdrawn from my checking account 4. On XXXX/XXXX/XXXX, {$320.00} was fraudulently withdrawn from my checking account. 

As a result of these illegal activities, the account sustained NSF charges in the amount of {$450.00} This case was reported to the Fraud Investigation Department of XXXX XXXX XXXX on XXXX/XXXX/XXXX. It is over 48 hours and no response and this has put me in a serious financial stress.
It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.
We are currently paying a mortgage with a 11 % interest rate and the property is under water. We have repeatedly tried to seek a modification with Greentree but they are not sending us the required documents to submit or they are not responding at all to our requests for assistance. We have been struggling to pay the XXXX monthly payment for over XXXX years and really need assistance at this very crucial time. Greentree has avoided us for over a year and we are desperately in need of assistance.
They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX
I purchased a car on XX/XX/18. At the time of purchase a credit report was run by the car dealership. The loan was approved and I began making payments to Wells Fargo. On XX/XX/18 Wells Fargo ran a 2nd credit report on me thereby creating two hard hits on my credit report for the purchase of one car. 

I called Wells Fargo and asked them to submit in writing the mistake they have made to the credit reporting agencies. They declined and said I would have to go through their disputes process. They further indicated that they had no record of the credit check. I declined indicating to the Wells Fargo manager that I do not have time to fix their messes. I feel they have violated Federal Law, Reg. 1681 and have negligently pulled a credit report without my permission. I would like this situation remedied by Wells Fargo. I've only had the loan a little over a month and they've already cause a negative impact to my credit report.