WillisBack/dataset-financial-user-claim huggingface dataset:
I live in an area affected by XXXX in XX/XX/XXXX. Although my own home thankfully suffered only minor damage as a result of the storm, our entire region experienced hardship for weeks and months afterwards, including roads blocked in many places by fallen trees, power outages, lost work and business, gasoline shortages, cancelled school and school buses, and more. As you can imagine, this had significant effects on my personal finances at the time. Due to a combination of personal hardships we were already delinquent on this and other accounts at the time, and we now struggled even more with our credit card payments. 

( It took us several months to get back on our feet but when Bank of America offered a settlement in the XX/XX/XXXX we stretched ourselves and neglected other bills to make the sizeable installment payments and close out this debt. ) Bank of America reached out to us shortly after XXXX offering special payment accommodations and fee waivers for customers in affected areas for several months ; however, Bank of America is now reporting delinquencies to the credit bureaus for the months after XXXX. 

In addition, the total balance that Bank of America is reporting for this account includes late fees and other charges that were improperly assessed in the period following XXXX.
I am frustrated with this entire financial system. I grew up in financial difficulty. From before I could remember, my credit has been in the gutter. I have been trying extremely hard for MANY years to pull myself from the bottom, but with each loan or credit card coming with an interest rate significantly higher, or even double the national average, it is extremely hard to keep up. I am a member of the military and have been for the past 20 years. I have managed to buy a home and XXXX cars, but at higher interest rates than even my most junior subordinates. Even demonstrating an ability and willingness to make these high payments, it seems that there is no escape. My wife and I feel trapped in a nightmare scenario, where we pay and pay and pay, while our neighbors are enjoying the benefits of always having good credit. I have never known that feeling and will as it stands now, will NEVER get to know that feeling. My Mortgage interest rate is 4 %, car loans are 25 % and higher, credit card is 26 %. I am able to pay XXXX car payments that total $ XXXX/month, a Mortgage payment that is $ XXXX/month, and a minimal credit card payment, along with all utilities and entertainment that comes with a XXXX member household. However, this is taxing, as we have no savings to speak of and can not have a savings with these high interest rates and no bank willing to help out. I am in school, but that is paid for by the military. If I were a private citizen, I would not be able to afford this and would be trapped and unable to achieve a better credit score and the door of possibly bettering my score would remain closed. I guess my complaint is simple, the financial/credit score system is rigged and unduly prejudicially punitive to the majority of lower-income people in this country. It rewards the well-off with all the benefits and punishes or takes advantage of those that have no other choice but to take what they can get. I never had the opportunity to fail, because I was not afforded the financial 'altitude ' to fall in the first place. 

That is my complaint, Concerned Consumer
Navient has been an absolute pain. I have submitted request for loan forgiveness and low income payment option they always say they do n't get my paperwork. they will never have someone higher up contact me. this has been going on since 2015. I have documentation. The call reps are always rude and force me into forebarrance i have no clue what this means or what it is. When I make complaints and tell them i have info and a fax report saying they received my docs they respond I sent them to another company not Navient. I am far from slow I know who I send my stuff to. My credit report is horrible they refuse to fix the issue or back date it is always a run around with the reps. When I ask them to send me my file my call log and ect they say this is impossible. On several occasions I have asked them to record the whole conversation they will not. They do n't log half of the calls. I 'm lost it is impossible .. I 'm at the mercy of the receptionists.I feel like they are purposely doing this. Also, XXXX college pressured us into using this company. They offer funding through them for programs and then do n't offer classes or add more to accumulate more funding and require you to extend your stay. it is a scam it is predatory lending. I can not even use the degree they told me I had to get unless I was a nurse so I do n't even know why I was allowed to be in the program. Every time I ask to speak to someone I never get anyone in charge I WAS NEVER TOLD I COULD FILE A FORMER COMPLAINT EVEN THOUGH I HAVE ASKED
I submitted renewal paperwork to Fed Loan Servicing via fax on two occassions, once on XXXX XXXX and once on XXXX XXXX. Fed Loan servicing is only acknowledging the reciept of the second fax on XXXX XXXX, and in addition to that had increased my payments from $ XXXX/month, to about $ XXXX/month. They reported to me in an email that they are still processing my Income Driven Repayment plan request as of today, and that in the meantime I am responsible for whatever payment they request of me. I find this unacceptable, that they can take almost two months to process this basic paperwork, and in the meantime charge me more than half of what I make each month, especially being that I was already on a IDR plan and this was just to renew that plan. This is causing me severe financial and XXXX, as well as taking a toll on my credit report this month. I would be more than happy to forward to you the same financial documents I sent to them to verify that $ XXXX/month is a severe burden to me financially. 
Thank you
I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX XXXX XXXX XXXX credit card, which is issued by XXXX XXXX XXXX XXXX XXXXk, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from wells Fargo bank. 
The credit agency that ran my credit without my approval is XXXX.
I am an XXXX woman and i feel unfairly treated by these credit reporting agencies, particularly this company Trans Union. I previously called my credit card XXXX and asked for a previously fraudulent account be removed form my credit reports as my card was stolen and used fro many months without my consent and a new one was given to me. I asked transunion to adhere to the law and remove this inaccurately reported account which has affected me greatly and they refuse to. This information in the account # XXXX is incorrect and unverifiable. I am unable to lease a car for myself and my son and this company is the only XXXX refusing to remove the inaccurate account and update it to never late. This was not my fault, how and why is an XXXX woman being punished because of other terrible people who took advantage of me. XXXX is well aware of this and would never have verified this information. It is wrong. Please remove the account and its false details.
Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. 

They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. 

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.
My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it.     My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me. 
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ).  They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ). 
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years. 
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''. 
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark. 
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not. 
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town. 
XXXX what do I really have to do to get something done. These are hurting me.
I am on both the national credit card offer opt-out list and the junk mail opt-out list. I moved in XXXX, 2017 and since then I have been getting repeating credit card offers from Capital One. I contacted them via social media and they provided a procedure for stopping the offers which I completed. Yet, the credit card offers from Capital One have continued non-stop. I repeated my contacts and they just keep referring me to their opt-out procedure. It would be foolish to keep doing it over and over without results. 

Several years ago, I had to contact this agency for the same reason and regarding the same company, Capital One. At that time, your intervention stopped the offers. Apparently moving to a new address gives them license to begin the incessant offers all over again.
on XX/XX/2018 i have submitted disputes to Experian via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there motehod of MOV was and who reported the information a few days later i have recieved a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15days!
This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.
Wells Fargo is the lender of this private student loan. The lender had been informed of my financial hardship for over 12 months. They had denied consolidation, lowering monthly payments, and finally when they offered a forbearance, they mentioned that I had to pay three months of on-time minimum payments. I have student loan debt that is triple my income. In monthly payments alone, a total payment equaling {$1300.00}. I had been through periods of time not receiving timely paychecks due to a public service related job. The three months of payment would have been fulfilled to receive the forbearance, but Wells Fargo failed to inform me that the payment was short of {$67.00} to fulfill the three month terms and receive forbearance. It was less than 24-hours from the time the payment was attempted to be made to the time the loan went into default. The statements always mentioned only the past due amounts and did n't clearly state the minimum payments. When I addressed the issue with Wells Fargo they were rude and aggressive. There were no options to reverse the default. They ruined my credit for over a year without assisting in any manner. The supervisor ( XXXX ) in the recovery department harassed me and treated me with no respect. I have countless records of trying to request payment assistance from this corporation. They also told me they reviewed my income and expenses but when I told them my expenditures for groceries and gas to carry-on my job, they told me that those were n't essential to determining sufficient payment.
To whom this may concern, I 've been trying to resolveXX/XX/XXXX XX/XX/XXXXthe multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, Equifax & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.
There have been several calls to the financing company regarding lowering the interest rate ( 25 % ) to a reasonable rate ; the monthly note is nearly {$500.00}. This appears to be usurious and possibly discriminatory. An attempt was also made to get an extension ( XX/XX/XXXX, XX/XX/XXXX ).
My current car loan which show it being with XXXX XXXX XXXX on XXXX and XXXX but shows XXXX XXXX XXXX XXXX on my Experian report is being reported late every month on XXXX and XXXX but my payments on time with Experian. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.
Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.
I signed up for the XXXX card offered by Barclay due to its SCRA benefits for XXXX service members and its great incentives offered to Military members. It guaranteed $ 0 yearly fees and 0 % interest for the entirety of my XXXX military service contract. At no time in my original communications through the SCRA division of Barclay Bank, did they state that the $ 0/0 % interest would not apply for XXXX members but for members who joined after they had an already established account with Barclay Bank. In addition, it did not state that it had the right to change the terms of its contracts at any time. This was a very deceitful offer and it now feels like a " BAIT AND SWITCH '' scam and I 'm sure to many XXXX Military members who have this card as well. No warning of the disestablishment of the SCRA benefits for XXXX members was in the process of being implemented was ever given to myself via email, letter, or message in my account prior to it just being all of a sudden taken away. The company has maintained that it will allow me to retain my 0 % interest but the yearly fees of {$990.00} plus {$290.00} for each additional card will be implemented is unsatisfactory to me. At a minimum, current card holders under the original terms should be grandfathered but any new members should be fully aware that the yearly fees apply. This whole process has left a very sour taste in my mouth as I have reached out and left a message to their customer service number ( XXXX ) with no reply within 48 hours as it states. In addition, I have left a message through my credit card account with no response as well. I finally today was able to contact an Executive Specialist, with the Office of the President at Barclay Cards USA and she clearly stated that it was their right to change the terms of their contracts to align with business practices ( other credit card companies ) around them with no warning to the card members. She also stated that at this time, they are not offering any other services to satisfy the card member or to help to maintain the business of the card member. She stated that before my one year mark with the company that they " Should '' be reviewing accounts to see if any of their current offers apply and if not then at the year mark the yearly fees would be charged to my account. I asked if I could be switched to either their Black Card or Titanium card, due to their yearly fees not being near as much as the Gold Card and I do n't feel like I should wait till XXXX to see if I qualify for offers at that time. This is unsatisfactory and I felt was completely communicated wrong from the very beginning. In addition, I feel that I should be grandfathered in with my original terms or allowed to switch to another one of their cards immediately and not have to wait for my account to be reviewed one month prior to my year mark with this company. I began this process wanting to stay with Barclay services but after my conversation with the Executive Specialist, I am now leaning towards terminating any further business with Barclay Bank and refraining from any future business through them as well.
I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION,
This is the second complain about Urban Financial of America. Since the last complaint three months ago they are still procrastinating and doing nothing I have submitted everything they ask. This application process is still not finalized. There 's nothing else to submit. I still have not going to settlement.
Today, XX/XX/2019, I attempted to obtain my free credit report from Experian using XXXX. However, the website returned an error message saying my identity could not be verified. It asked me to send proof of identify. 

I have had this happen every single year for the past several years, and I am tired of jumping through hoops to get my free credit report from Experian. 

Next, I went to the Experian website to fill in a complaint form, and the website said I had to call them because they couldn't take the dispute online. That number is useless for my purposes as I couldn't talk to a live person and it's a system designed, I think, to make you give up. 

So, I am beginning to think that they are intentionally trying to make it difficult for me to get my credit report. 

I believe it's illegal for these companies to profit from my information and then refuse to provide it to me via my free annual credit report.
I have filed a complaint with you with regards to XXXX XXXX. I am know filing a complaint with you all against Upgrade. The company says that it takes some time to update the information. 

However, why is it that XXXX when they call them Upgrade can not give them the correct information about the account. 

am enclosing documentation that shows the loan is paid in full. I am also providing you with correspondence with Upgrade. I want to fair. Upgrade says it takes time. However, I can not see why when XXXX calls them they can not just say the account is paid in full? 

XXXX XXXX
I paid the full balance that was given to me over the phone with a debit card & thought it was resolved.The rep was satisfied & never told me the correct amt ( I guess ) Many month afterwards I kept getting notices by mail & phone that I owed a {$3500.00} late fee. That turned into the {$330.00} in collections, I spoke to a rep & tried to resolve this & pay the original {$35.00} if they sent me a bill reflecting that amt. 
They agreed to send me one, but I kept receiving a statement for {$330.00}, so I got nowhere & referred the acct to collections. Told them the same story & they have my original pymt on record & they have n't worked with me. {$35.00} turned into {$330.00} Unfairly!!