WillisBack/dataset-financial-user-claim huggingface dataset:
I got this loan due to a need to get groceries and now I am having trouble paying the loan back as I am on ssi but they automatically take payments out of my bank account every month. I did an online chat today and asked about getting another loan after paying off my current loan and then asked if some of the fees for my current loan could be waived. Here is their answer : You are connected. 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if they fees are less or not? 
XXXX  : Welcome to XXXX. My name is XXXX. How may I help you today? 
me : I was wonder if when I pay off my loan, if i reapply for a new loan if the fees are less or not? 
XXXX : I can take a look at your account and assist you. 
XXXX : Before we proceed I need the telephone number that is associated with the account and your state of residence. 
me : XXXX me : Tx XXXX : Can I get your first and last name please? 
me : XXXX XXXX XXXX : XXXX I please verify the laXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  month and year of your birth? 
me : XXXX XX/XX/1981. If you just said all that in XXXX XXXXe it would've been quicker. 
XXXX : Thank you. You need to payoff your existing loan before you can apply for another loan and yes there is always fees and interest to reloan. 
me : I know that I was not asking about my current loan, I just wanted to know, if I did or when I do decide to apply for another loan if the fees are less than in my current one  or not. 
XXXX : It's gon na be the same rate. 
me : Ok, then I will not apply for a new one when I pay off my current loan. 
XXXX : Alright. have a great evening. 
me : Is there any way I could waive some of the fees or one payment? 
XXXX : The payoff amount as of today XX/XX/XXXX is {$170.00} and I am unable to waive the fees. 
me : ok. 
Here is the payment schedule and dates for my current loan : PAYMENT SCHEDULE No. Payment Date Payment Amount 1 XXXX {$100.00} 2 XXXX {$100.00} 3 XXXX {$100.00} 4 XXXX {$100.00} 5 XXXX {$100.00} The amount of the loan was only for {$220.00} and I feel all these fees are way too much and they aren't even reporting it to any of the credit bureaus.
This company AFNI is putting a collection account on my credit report for a debt that is not mine. They listed the debt for 2017 from XXXX XXXX however I have not used their services
US Bank rearranged transactions, causing multiple overdrafts. 
When a transaction occurred it would reduce my available balance, and show in my pending transactions. Then, a transaction that technically occurred before the pending transaction, but had not been presented until after the pending transaction, would be rearranged to be withdrawn before the pending transaction. XXXX example : Available Balance on XXXX/XXXX/16 : {$50.00} ~~ XXXX Gas Purchase : {$30.00} ( {$1.00} Presented to bank ) ~~ XXXX Purchase at grocery store : {$25.00} ( Pending-Available balance reduced ) ~~ XXXX Deposit of {$5.00} ~~ XXXX Gas purchase finally presented XXXX Transaction rearranged, so that the total gas purchase is now placed before the grocery store purchase, despite it already affecting available balance. 
There are also other examples of US Bank rearranging transactions to access overdraft fees.
I was called repeatedly from approximately XX/XX/XXXX through XX/XX/XXXX by XXXX XXXX and XXXX ( also referred to themselves as XXXX XXXX and Associates at times ) to collect a XXXX year old {$1000.00} college credit card debt that my wife and I are 99 % certain we paid when we married 12 years ago but do not have records that go back over a decade. They initially left voicemails that someone 18 years or older needed to be at my house in person to sign for legal papers and when I returned their call they threatened that if I didnt pay they would put a lien on my property, file a civil lawsuit, and negatively impact my credit score by reporting a default. When I called, they tried to get me to verify personal information ( they had correct previous and current addresses and the last 4 of my SSN ) which I declined to confirm but they said they knew it was me and gave me a credit card number and told me to verify it through my previous creditor which I am currently taking steps to do. They eventually sent me an email with a final demand letter for payment or settlement by XX/XX/XXXX or else legal action will be taken. They are not registered with the XXXX and have countless negative reviews when I googled their company stating that they were fraudulent and others had received similar calls. There is very little information available on their website other than a way to pay by credit card. They state on their website that their address is XXXX XXXX XXXX XXXX XXXX, Mass XXXX which reviewers stated that it was actually a XXXX Store.
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
MCOA Municipal Collections of America had my driver license suspended with the state of Illinois, with no XXXX for recourse. But after multiple attempts MCOA has refused to provide me with verification of the date. I would like written proof of the debt sent to me to be verified before any payment is submitted.
On or about XX/XX/XXXX and XX/XX/XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not the signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX  report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me
XXXX is charging me something isnt my charges. Dont know  how they have my information
Amount of {$52.00} and other account for {$210.00} They never sent me anything about this accounts or bills ..
Upon graduation I was never advised that by consolidating my loans I would give up my six month deferral. I was then put into a forbearance ; leading me to end up with capitalized interest that I was not warned of. 
Since then I have been steered into several more forbearances when I have called about having financial difficulties. Even though I have paid the full interest accumulated during each ; at the end of the term I have been refinanced. This has led to my interest being all front loaded again. After 10 years I still owe almost $ XXXX of loans on less than $ XXXX borrowed. I have requested they pull my Promissory Note, and they have refused. 
I have also had problems with the servicer not reporting my name change to the guarantor. This led to me being unable to access my NSLDS information. It took 3 years and a threat to contact the Education Department to get this corrected. 
XXXX, now Navient, have caused me nothing but stress, undue hardship, and cost me more in interest than any graduated student should have to face. These unfair lending practices need to be stopped. Borrowers should also be compensated for their suffering at the hands of deceptive loan servicers.
I made a mis-payment of XXXX on XX/XX/2018 from my checking account electronically to Capital 1 credit card that was closed inXX/XX/XXXX. I have made numerous attempts as well as XXXX XXXX XXXX to rectify this problem since XX/XX/XXXX without resolve. I have spoken with 6 different supervisors at Capital 1 at XXXX. I have supervisors employee numbers if needed. The Case # is XXXX Credit card # is XXXX. I am very frustrated and do not know what else to do to recover my {$200.00} mis-payment. Any help you can give me would be greatly appreciate. I have documentation that I am unable to submit with this form. I have a letter from Capital One and my bank account payment to Capital One on XX/XX/XXXX. If this documentation is needed for you to move forward on this complaint, I will gladly mail it to you or try and email it with the attachments.
I took out student loans starting in XXXX, I finished school in XXXX, I was not able to find a decent job, and the calls and letters started coming. They offered me the economic deferral, which I thought was a solution to my current situation. I now owe approximately XXXX in loans, I am XXXX years old, I am currently working as a temporary employee making {$XXXX} an hour. If I could go back I would not have taken out these loans. At the time I was under the impression I would get a good job and be able to pay them later in life. I borrowed like XXXX, that I may never be able to repay, the interest brings it up to near XXXX. I will always be in debt. I even tried getting state and government jobs, because I heard I would n't have to pay them back, but I have had no luck there. I ca n't answer my phone, I feel like I am always hiding from the collectors.
I have been trying to get help with my student loan through Sallie Mae. I can pay my loan every month in full but I am living paycheck to paycheck. It is one of my highest payments each month and I have contacted them several time for assistance. They tell me I can go into forbearance but interest still accrues which will put me into even more debt on top of a {$150.00} payment every month that goes towards nothing. Recently, my interest rate was increased without notification and the only other way to lower it is to go on automatic draft. I do not have a problem with this but I like to pay my bills on certain dates and this will not work. I strongly believe they are being very dishonest with me and need help. I have no problem paying them but I have a problem that they will not help a loyal consumer get out of debt.
Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.
I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}
I applied and opened a Citi Gold Checking Account that awards XXXX XXXX XXXX miles upon opening. After opening the account in XX/XX/XXXX I wrote to them to ensure that I would be receiving my miles. They told me that I would receive them on XXXX XXXX or shortly after. It has been over two weeks since the promised miles were supposed to be credited and they are still no there. After calling Citi they told me they had to do additional investigation despite me showing them the letter they wrote me telling me that I would receive the miles. Meanwhile they seem to always been on time when charging me the $ XXXX monthly fee on the account. No investigations needed as to whether they get my money, just when they owe me something. After googling this I have found countless others that have complained about Citi not paying them.
u.s bank home mortgage just removed XXXX in debt from purchase amount, but still reporting on my credit reports im 90 days late when i 'm current and trying to refinance with a new lender also i have a civil case pending and was ordered to buy a car and i can not buy another vehicle until i refinance this home u.s. bank are not updating everything correctly in the system yes balance left owed is XXXX but i 'm not 90 day late, i owe this month only and my time clock is running out on what a judge in another case has told me to do.
Company name XXXX XXXX XXXX, XXXX Address : XXXX XXXX. XXXX, XXXX XXXX,, XXXX, OR XXXX aka Visa merchant XXXX and Visa merchant XXXX make unauthorized recurring charges. They do not respond to phone or email contact attempts. They do not obey Visa blocked charge initiations to the credit card.
On XX/XX/XXXX I made an online payment in CitiGroup Credit Card account in time to pay off the balance of a balance transfer whose rate would change on XX/XX/XXXX to 22.49 %. Please note I made 5 calls to customer service at CitiGroup during the months of transfer period inquiring what my interest rate would be and was told every time they did not know what the rate would be- then when I called in XX/XX/XXXX( within 30 days of expiration ) I was given the new rate. Unreal! I have a high credit score and I was dismayed - I told that clerk that I would be paying off that part of my balance in time. He did not tell me to wait until the day AFTER expiration. Anxious not to incur high interest I paid ahead to make sure it posted on time. Logging in today I see they moved that balance to the " standard '' rate and that because I had another balance at .99 % they applied my payment to that and not the original sum. They quoted their agreement which says " highest interest first '' and refused to apply my payment of {$3800.00} to the balance in question.
Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment
The problem I have was n't listed, so I choose what I thought to be the closest. My account was paid up, XXXX balance. I made the mistake of not deleting Wells Fargo from my payment calendar and on XX/XX/XXXX made a XXXX payment. When I realized the account had been paid off, I called my credit union to stop the payment but it had already been sent to Wells Fargo. I called Wells Fargo and they said they had n't received it but when they did, it would be credited back to my credit union account, in 5-10 days. On XX/XX/XXXX I still had n't received a credit to my credit union account, so I called WF again and spoke to XXXX in cust service. She said on the day I initally called, they had system problems and the transaction had not been processed and she would submit again. Check would be mailed, account not credited, in 7-10 days, by XX/XX/XXXX. On XX/XX/XXXX I called WF again because I had not received a check. I was told it had not been completely processed but as soon as it happened, the check would be mailed. I asked the man when the processing would be complete and he said he could n't give me a time frame. On XX/XX/XXXX I called again and asked to speak with a supervisor. I was connected to XXXX. He said a check for XXXX was sent to me on XX/XX/XXXX. I told him I never received a check and had no idea where the extra XXXX came from. He said an affidavit would be sent out in the next three days fo me to sign, saying I had n't received a check. Upon sending affidavit back, a check would be issued in 7-10 days. Address was confirmed. Today, XX/XX/XXXX, I called back since I have n't received anything. Asked for a manager and was connected to XXXX. He said no affidavit would be issues for anything under XXXX and that a check had been sent to me and cashed on XX/XX/XXXX for XXXX. He said there was nothing he could do since there was a check cashed and he could n't verify I had n't cashed it. I went back to look at all my deposits from XX/XX/XXXX though today and there is n't a deposit for XXXX, XXXX or from anything other than my pension, SS, deposits from my kids when I babysit my grandkids or when I transfer to checking from savings account. He insinuated I could have cashed the check, for cash and just 'forgot '. I told him if I had done that, I certainly would n't be going through all this for XXXX and informed him I was going to file with FTC. He then connected me to the Executive Office. I spoke with XXXX who has created a case with their investigation dept. Case # XXXX. Agents name is XXXX XXXX. She is suppose to contact me in 4-5 business days.
Bought home XX/XX/XXXX, had two loans a 15 yr and a 30 yr XX/XX/XXXX is the 15 yr loan completion date, but now I get a notice saying $ XXXX will be due XX/XX/XXXX I have made all payments, docs say loan was for {$13000.00} Math adds up to more and now they want a another $ XXXX ( I do n't think this would be interest, the 30 yr old mortgage is not like this - Attorney says this company has had problems before XXXX XXXX - 3 different companies have passed this on Currently Nationstar Mortgage holds it Can you help What 's so weird is that a fellow worker is being done the same way
I 'm house wife and not involved husband 's business and Bank of America reported to XXXX with my husband ( complaint number # : XXXX )
Transunion put a freeze on my credit and did n't explain why. I 've called 10 times to try to talk to someone there and get it changed and find out why they did it. The system says I need a pin that was sent in a letter sent. I never received the letter! It then says it is transferring me to a customer service rep then a busy signal comes and the call is dropped every time!
In XX/XX/XXXX I tried to use my XXXX XXXX it was denied. Did not think anything about it, because I just paid my balance. Today XX/XX/XXXX I looked up My account and it said it was closed with a {$0.00} balance. Call Customer Service was told it was because of lack of activity. I could not understand that so I finally spoke to a credit specialist and she claims the no activity and they checked my credit again and then because I did not owe any money and my credit score had gone down they decided to close my account. How can this happen? Why did they not send me a letter, which they are now sending me within 20 days? I am shocked that a company would close an account with no balance and then check my credit to close it. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cc # XXXX XXXX limit {$110.00}
My mortgage company sent me a modification offer which I signed and accepted. My total monthly mortgage payment is supposed to be {$1600.00}. Caliber Home Loans just called me and told me that my total mortgage payment due is {$2300.00}. I asked why it was that much and they explained that they had forgot to add fees to mortgage modification so {$2300.00} is the amount due ; this can not be legal. Caliber Home Loans needs to waive any fees that they " forgot '' to add to our executed mortgage modification agreement. Caliber Home Loans took more than 90 days to approve my modification so they had plenty of time to check their work to make sure that they were offering me the right modification. I should not have to pay for Caliber Home Loans mistakes or for fees that I did not agree to and that were not part of our agreement.
I applied for a mortgage loan and the bank denied me because in the credit report appears radio shack account close ( they close it because they went to bankruptcy two years ago ). I continue paying my debt on time. The bank representative ask me for a letter from Radio Shack stating that they close the case and state that I being paying on time. When I called to Radio Shack the first representative told me that they ca n't send me a letter because they do not do that. I call again and the second representative told me that the letter will arrive in 7 days. After 7 days I call again to ask about the letter and the third representative told me that they will send the letter that day ( they did n't sent it ). At this time, has being pass 17 days and I do n't received any letter from them yet. Now I 'm confuse, if they close the account and damage my credit, do I need to continue paying this card? There is any way that I can get that letter from them, so I can provide this information to other bank in the future? Because apparently this will affect me to get a loan even though I still paying and be resposible with the payments. 
Thank you
After being denied credit due to collection accounts on my report, I ordered a copy and found an account from an agency I have never heard of called Quantum Collections. The amount is for {$730.00}. I have tried to contact this agency and I have received no response. Not only are they reporting a debt I do not owe and damaging my credit, they have not contacted me even once regarding this debt so that I could dispute its validity and get it removed from my credit history. I do not owe this agency any money and they have no right to be reporting this to the credit bureaus. I am shocked that a business would report negatively on someone without contacting them, especially given this is not my debt!
Well Ocwen Loan Servicing, Loan. I bought the property for XXXX Now the Loan, is up to XXXX so they modified my loan on this amount. The house is worth XXXX XXXX dollars. I will like to complaint that they are trying to foreclose the house and I am going to loose all my savings. Thank You. 


The Company deny me for a modification. 
Please help a concern United States citizen. 
Thank You.