WillisBack/dataset-financial-user-claim huggingface dataset:
Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. 

Need help here pleade. Are several complaints on finance company deceptive practices but no resolve
Over the last 2 months First National Bank of Omaha has been lowering my credit limit even though my credit score has gone up by over 80 points, and my credit usage has been dropped by over 30 %. For months when I had over 1750 dollar balance they did not lower my limit. Now that I have been paying off the card each month, and carrying a lower balance they have dropped my limit by over {$1000.00}. All they tell me is that I can request a hard pull on my credit report, and they MAY increase my limit. MY credit score is now back to where it was when they originally gave me the card. I have NEVER missed a payment on their card, and I pay above the minimum every single month. 

Right now, their decisions are affecting my credit score, and no one can give me a good reason why.
I keep getting these calls from XXXX and they never leave a message. So I looked them up and found it to be XXXX XXXX in XXXX XXXX, CA. I do NOT owe anyone anything. I have never been late on a bill in my life, my current bills ( which there are only three ) I have paid in excess of a year in advance. I have blocked their phone number and will not call them as any previous attempts to call such places who all seem to be looking for a " XXXX XXXX '' resulted in abusive service and continued calls. I am NOT XXXX XXXX and again, I owe NO ONE and I am NOT late on ANY bills. These calls must stop or I will have my lawyer involved and sue them for {$1500.00} per call as I understand is my right to do.
I received my credit report for all three bureaus and noticed that Security Credit Services was reporting that I owe a charge off balance of {$1100.00} for a Company called XXXX leasing company. I only leased an amount of {$530.00} for a furniture company called XXXX XXXX XXXX, and I have paid XXXX XXXX over {$600.00}. for the lease and was told by XXXX that my by out amount was only {$140.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Customer Support p : XXXX | XXXX f : XXXX | XXXX XXXX : XXXX m-sat : XXXX XXXX est sun : closed Purchase was made XX/X/2016 for {$530.00} Reporting to credit bureau Security Credit Services {$1100.00} Security Credit Services XXXX
They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.
My mortgage is two months behind so to avoid going into foreclosure I sent out a XXXX dollar payment on XX/XX/XXXX to try to catch up. The mortgage payment was sent back to me on XX/XX/XXXX with an attached letter stating that my loan has been accelerated. I spoke with a Loss Mitigation representative on XX/XX/XXXX to discuss further options. While on the phone with the representative, I was informed of having to make two payments to prevent foreclosure. I informed the rep. that the XXXX was sent back and making two payments at this time would be difficult. Wanting to prevent foreclosure I asked the representative to note my account that I will call in to make two payments on XX/XX/XXXX. The rep states that I would need three payments if it went pass XXXX. I called in on XX/XX/XXXX at XXXX XXXX and waited on hold until XXXX XXXX  only to be told that the system is down and my payment can not be processed. At this point, I am unsure as to what to do. The rep told me to do a XXXX XXXX  but the system she transferred me to kept saying my account number does not exist. I am being forced into foreclosure at this point. I call again to see if the system is working and have been on hold for another hour. My loan is serviced through a subsidiary servicing company through XXXX XXXX. some of their tactics are unfair and forceful to get people to pay two payments. Although I am having a hardship it is unfair for this servicing company to force me into foreclosure. I truly believe that this company is purposefully not accepting payments to foreclose on the consumers.
We refinanced 6 months ago with PNC. They added an extra {$1500.00} to our mortgage amount for escrow. We are now being billed {$1000.00} for an escrow shortage 6 months later!! This doesn't seam possible, unless they made a big error at the time of closing! The year before we refinanced, there was another Escrow shortage with PNC. Something seems very wrong here! Their mistakes, have cost us a LOT Of money! We refinanced to better afford our house. We bundled the fees and escrow into our new loan amount! With the shortage, our new monthly mortgage is not too far from where we were before we refinanced! How can banks keep making mistakes like this, and get away with it? 

We have NOT received any tax or home hazard insurance letters to indicate any increase!
1. When I call the Customer Service number, there is no way to get to a human being.
2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects.
3. Web site has consistently been down for over 45 days now.
I have proof that I would like to submit.
4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.
XXXX XXXX XXXX, a collection company, purchased my bad debt from XXXX XXXX, the original creditor on XX/XX/2012 with a final balance owed of {$8100.00}. XXXX XXXX is now reporting on my XXXXs as an Account and not a collection company. XXXX XXXX is a debt buyer/collector, which can not extend credit to any one. They are reporting in my " OTHER '' accounts section of my XXXX credit report. XXXX XXXX list the debt as as a " Retail '' Creditor Classification, and updated the Payment Status of " Collection Account ''. The account will show up in my " Negative Accounts '' Section because of the payment status, and not because it is being listed as collection company. I want XXXX XXXX to stop this fraudulent way of reporting and remove their accounts from all three of my XXXX ( XXXX, XXXX, & XXXX ) They accepted or purchased the debt, that does not give them the right to report as an original creditor, thus creating the fascade that I have unpaid account that is current. The orignal creditor is no longer reporting on my credit file. This does not give XXXX XXXX to act as if they are the original creditor.
XXXX/XXXX/2016 XXXX XXXX XXXX - XXXX - Hospitalist XXXX XXXX XXXX XXXX, FL XXXX Performed several XXXX test on me, I had XXXX in the XXXX every 5 months or so I 'm to be recheck. 
I 'm medical needed with a share of cost, if the test that this hospital did was XXXX XXXX And paid {$120.00} to hospital why is XXXX & Credit Management , LP ( XXXX ) XXXX trying to collect. 
Credit Management Informed me that if I did n't pay them XXXX dollars a month, they would report this to credit bureaus. 
I informed her that I was XXXX & was living on a fixed income I could pay {$20.00} dollars a month She XXXX hanged the phone up on me, She stated this was my share of cost. 
XXXX XXXX XXXX ) XXXX Told me that I gave them the wrong medicaid number, when I had never spoke to these people until XXXX/XXXX/16 I was told that I would have to contact the collection agency. 
The collection told me that I had to contact the original creditor.
In XXXX of 2018 I requested Experian, XXXX and XXXX to validate the collections that they have reported on my credit report. Experian, XXXX and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX
I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding the dispute but rather AMEX 's responsibility for the charges. 
AMEX is assuming that illegal documents are legal and a legal cancellation is not valid. If that is the case then why is AMEX ignoring the transaction exchange rate and charging us more than the agreement states? Exhibit XXXX page XXXX. How can AMEX determine that an illegal document binds us but does n't bind us to the exchange rate?
I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.
I WAS CHARGES FOR SOMETHING I DID NOT AUTHORIZE. ON XX/XX/17 XXXX XXXX XXXX CHARGED MY ACCOUNT {$6700.00} ON MASTER CARD BARCLAY # XXXX I CALLED IN AND REPORTED FRAUD REP FILED FRAUD COMPLAINT I DID RECIEVE THE CREDIT ON MY NEW CARD THEY SENT ME BUT THEN A FEW MONTHS LATER THE CREDIT CARD SENT ME A LETTER STATING THEY WERE TAKING THE CREDIT BACK .... I NEVER DID BUSINESS WITH THIS SAID COMPANY AND I HAVE NO IDEA WHO THEY ARE. PLEASE HELP ME GET MY MONEY BACK ... WHY WOULD THEY CREDIT MY ACCOUNT AND THEN TAKE IT BACK. THIS IS NOT RIGHT THAT MASTER CARD BARCLAY ARE NOT BACKING THERE CLIENTS. THIS IS SENIOR CITIZEN ABUSE.. I NEED MY MONEY BACK. THIS IS ALOT OF MONEY ... I LIVE ON A FIXED INCOME AND THIS COMPANY STOLE FROM MY ACCOUNT. PLEASE HELP ME
We keep getting repeated daily phone calls from a  Penn Credit Corp   XXXX . We DO N'T OWE anyone any outstanding debts period. We are both  XXXX  senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over  XXXX  years.
XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX Equifax : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with XXXX & Equifax. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
Speedy cash shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line
This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.
I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.
I rented an apartment at XXXX XXXX XXXX in XXXX WA. They are owned by XXXX XXXX XXXX. Part of our rent was paid by XXXX. Months after we moved out they said we owed back rent because they sent a refund to XXXX. XXXX denies this. ( Part of XXXX ) XXXX also says we could not have moved if we owed rent. XXXX could not produce a copy of the check, the check number or date sent. They had no proof. But continued to try to collect from us. Then they sent it to Hunter Warfield in Florida for collection. I asked for verification and disputed the debt. No verification was provided. I also asked them to stop calling me, a cease communication letter. To date they call me every day. I am sending another letter to get this stopped but they will probably ignore it. They threaten to report it to the credit agencies. Owed rent is not reportable anyway but they will list it as other. Also they have not taken us to court to get a judgement. I said I welcome court because I believe they could not prove their case. They just continue to harass with no proof.
On XX/XX/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.
XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim.
i went to XXXX and finance a car XXXX through wells Fargo Bank they told me if im putting a $ XXXX upfront my monthly payments will be XXXX per month including all taxes and fee 's i sign the contract and they said copy of all the contract will send by mail i got my first bill the payment was {$460.00} A month i called them and they told me no way we will look into it i called wells fargo they said we will look into it but they never did then they told me take the car back to XXXX i went back they told me this guy no longer working there so they have no clue what am i talking about then i stop making payment bc i could n't pay i was i college and the repo the car i called them spoke to them and they told me that they will remove the negative item from my credit file which they didnt i sue them in court i win the case and they still dont want to remove it they ruined my credit i cant get student loan and i cant continue going to college im a single mom and they destroy my life and my future
This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Chase is foreclosing on a XXXX mortgage with a sale date yet as far as I knew they accepted a payment for a reduced loan balance and it was paid off. I called several times was told they didnt service my loan which they dont but they never mentioned that they were foreclosing on the XXXX mortgage. I never received ANY PAPERWORK TO DO A MODIFICATION OR WORK OUT ANYTHING BESIDES THE PAYMENT REDUCTION WHICH I HAVE COPIES OF
Bank of America pushes people/me to go paperless for statements ... I read on their site that I will get check images in my statements for no charge going back 36 months ... then I do n't see the check images in my statements.. now they want to charge me {$3.00} PER check image that are older then 10 months. See here : https XXXX " FAQs : Bank Account Statements : Online Statements hide Can I view my statements with check images online? 
Yes, your statements with check images are available online. That means you can view, print, and download up to 36 months of your statements online at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail. 
If you are an Online Banking customer, Go Paperless Now ''
Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. 

Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.