WillisBack/dataset-financial-user-claim huggingface dataset:
I saw a debt collection on my credit report for the amount of {$2700.00} from  Deville Asset Management.  I called the company and was told it was a   XXXX     XXXX   XXXX  Credit Card. I told them I have never had a  XXXX   XXXX   XXXX  Credit Card. They said that it was me and it would negatively affect my credit report until I paid.  XXXX  said I could pay {$2500.00} right then, but that was the last time she could offer that. I said I ca n't do that, and would n't or debt I did not make. They called my place of work and my cell phone, were disrespectful, and threatening. I called back later with my father, and they again said the same thing. We called  XXXX   XXXX   XXXX , and they could not find my social linked to any account, closed or not. I called back Deville, They gave me an account number, and said  XXXX   XXXX   XXXX  could n't find it because they had. So we called back  XXXX   XXXX   XXXX , and gave them the account number. They said that account does not belong to   XXXX   XXXX    XXXX , we have no record of it or you in our system. and we can look back 10 years. We would be able to see if it was in collections. We then called back with   XXXX     XXXX   XXXX  on the line, when the  XXXX   XXXX   XXXX   XXXX  said that this call with be monitored and recorded, Deville said that the account had been flagged, and the debt collection was being stopped. This is a scam company, and they were trying to steal close to {$3000.00} from me. They should be in jail.
I open up a credit card with banana republic, which they offered a promotion where your received a {$30.00} dollar award if you make a purchase outside of Banana republic family of brands, which I did. I called up to find out why I did not received the award they stated : they do not do that even though I have documents that show they do.
Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.
I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.
I had XXXX work at XXXX XXXX of XXXX in XXXX 2014. I paid my part in full before the procedure. They failed to do the insurance paperwork and they kept sending me bills for the part covered by insurance. I contacted them and the apologized and gave some excuses about the issue ( which I do n't think was the case ). 

After a while I received a letter from Debt Collector. 
I contacted debt collection agency and the dentist office to resolve the issue but it did n't work. I contacted the insurance company and took care of the issue myself and had them send the doctor the check. 
Insurance company record shows that the doctor has cashed the check. After receiving calls from debt collector I contacted the doctor again and doctor 's secretary apologized for the problem affirming I never have outstanding balance. ( all email correspondence attached XXXX But the debt collection agency keeps calling me and they say their client XXXX dentist ) says they have never received any payment, and they continue their harassment after a year.
Focus Receivable Management continues to call our home saying they are a debt collector and we must call them. We do not have any outstanding delinquent debt. I have checked their website and this company appears to be fraudulent. They call us every day. Please do something to make them stop calling innocent people. I 'm sure by the reviews I read that they have used scare tactics and should be reprimanded for their actions.
I attended XXXX XXXX XXXX this college cost me several thousands of dollars. I did not receive the help or internships as promised. I would contact the college on several occasions and each time I had a new student advisor. I was always told the previous person had found another job. I was unable to find any jobs in my area for the degree I obtained. At this point the degree has become useless. I 'm stuck with a hefty bill I will never be after to repay and I think the Loans should be discharged. The college lost there accredation and has since then been reported as closed and was under investigation for several things.
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct.
On Monday, XX/XX/2018 I went to go finance a XXXX XXXX through Capital One at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I want to file a complaint against XXXX XXXX XXXX because the financial representative stated that my rate would be 1 % higher if gap insurance wasn't taken. I was pressured into taking the gap insurance. After contacting Capital One the following day, I was advised that my rate would've been the same without gap insurance. XXXX XXXX used unethical sales tactics and blatantly provided incorrect information to intimidate me and force me to accept the gap insurance. By accepting this gap insurance, I increased my loan-to-value and my amount financed which adversely affected the amount of interest that I pay over the life of the loan and my monthly payment. Gap insurance is optional and could've been obtained outside of the dealership. This is a violation of TILA. Consumers shouldn't be pressured with false information to obtain a product or service that they may or may not want. I attempted to resolve this issue the following day by contacting the general manager at XXXX XXXX. The conversation ended in him telling me that I needed gap insurance. Nothing has been done to resolve my amount financed or interest rate which should be lower than it is. I would like XXXX XXXX XXXX to be investigated for violating consumer financial protection laws. Georgia residents need to be protected.
If you google this particular unscrupulous business you will see the lackluster reputation, and numerous consumer lawsuits. This agency is quite aggressive in contacting me at numerous numbers, even without first sending any verification of the debt. someone with the alias of XXXX at extension XXXX calls from this business. On, XXXX/XXXX/16 at XXXX., a message was left for this person advising to stop calling and that I have a lawyer ( contact information provided ). Further, I instructed said individual that I will be filing Chapter XXXX. Even with this message, the company decided to discard my message and placed a call to me from a spoofed number on XXXX/XXXX/16 at XXXX from XXXX.
I had direct withdrawals for all payments, My loan was sent to collections because I was n't paying. When I called to address this issue I was told the terms of my loan had changed since navient took over my loan from XXXX. Since this change occurred they could no longer use my direct withdrawal information and since I was n't paying this put me in default. I was never notified, ever that this change was occurring. I would have gladly continued to pay with direct withdrawal. This was turned over to a collection agency to manage so now my credit is in jeopardy all do to their XXXX practice.
SPS bought my loan from XXXX a couple of years ago. This year, they began trying to raise my mortgage payment up to more than {$200.00} a month. When I asked for an explanation I got different answers from different reps. The first told me that XXXX County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the {$200.00} more a month was to address the deficit. At the time, there was about {$1900.00} in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are {$580.00} a month, so they already had more than required. But, it was either {$200.00} more a month or I needed to pay a lump sum of more than {$2000.00}. Other letters followed these conversations. One reached way back to when my loan originated with XXXX bank and gave me a balance that was about {$75000.00} more than I owed. Another letter said the extra escrow amounts would be spread over two years at about {$40.00} a month more. Another letter said they only needed to increase my payments by around {$30.00} a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in XX/XX/XXXX. I never got one. Today, I was also told that there was a deficit of only {$41.00} in total. Throughout this I have continued to make my same payment of {$1500.00}. My account shows that my monthly payment is {$1600.00}. But, there is no balance carrying forward and no late penalty assessed.
I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion on XX/XX/XXXX @ XXXX XXXX EST and spoke with XXXX XXXX XXXX a customer service representative who were unable to confirm that the Security Breach happened not once but twice in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX  EST and she said she wasn't aware of a computer glitch and could not help me, So I said thank you and hung up the phone. I then called back around XXXX XXXX EST and spoke with XXXX XXXX XXXX  a customer service representative who did confirmed that TransUnion had computer glitches in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX EST and she also confirmed that there was computer glitches in XX/XX/XXXXand XX/XX/XXXX and In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report, So I said thank you and hung up the phone. These inquiries adds a hardship to me and my family and my rights were violated by TransUnion. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this. I'm asking that CFPB help me make TransUnion stop victimizing me. I'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. PLEASE!!! Thank You.
Due to ongoing medical issues, my son is unable to pay his Discover student loan, so I, as the cosigner, have taken over. I have repeatedly asked them not to communicate via phone but to use email instead. Despite this request, I get daily phone calls even though the loan is current. Their response is always that the calls are on autodial and they don't actually know the status of the loan when they call.
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I HAVE HAD STUDENT LOANS SINCE XXXX BUT IT WAS WITH XXXX XXXX AND SINCE IT CONVERTED WITH NAVIENT IT HAS BEEN A NIGHTMARE.FIRST IM GETTING CHARGED WITH LATE PAYMENTS WHEN I WAS IN SCHOOL AND SHOULD OF HAD IN SCHOOL DEFERMENT, ALSO I HAD OTHER STUDENT LOANS OUT WITH ANOTHER LENDER, BUT IT SEEMS AS NAVIENT HAS THERE OWN PREPARATORY FEES, RIDICULOUS INTEREST MORE THAN WHAT THE GOVERNMENT IS CHARGING. I DID N'T BELIEVE I OWE THE AMOUNT THAT THEY ARE SAYING, ALSO EVERY MONTH MY BILL GOES UP XXXX XXXX A MONTH AND IM ON INCOME BASED REPAYMENT PLAN OF {$0.00}. THIS COMPANY IS VERY MISLEADING IN PAYMENT OPTIONS AND INTEREST RATE AND UNETHICAL PRACTICES. THIS COMPANY REPRESENTATIVES ARE RUDE AND NOT IN THE BEST INTEREST OF THE CONSUMER JUST TRYING TO GET A PAYMENT.I HAVE TRIED TO SWITCH LENDERS AND I CANT, BUT I DID N'T ASK FOR THIS LENDER EITHER FEEL LIKE MY CONSTITUTIONAL RIGHTS ARE BEING VIOLATED AND POSSIBLY SEEKING THE ADVICE OF AN ATTORNEY ABOUT THIS MATTER. PLEASE HELP.
this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number
In XXXX XXXX I found unauthorized transactions to XXXX XXXX from our Huntington Bank checking account that were paid in addition to our authorized payments in XXXX XXXX. The withdrawals appeared to begin in XXXX. I contacted XXXX XXXX and was informed that they just follow customer 's requests and did not bother to make sure the appropriate account was debited. I then contacted Huntington Bank customer services and was given the same response. So, I created reports from XXXX and Huntington to prove that the second transactions were fraudulent, not paid to our XXXX account and spoke with a branch representative in mid-XXXX. He completed a bank form, I signed it and attached to the bank form. After not receiving information after almost 3 weeks, I contacted the branch and the representative apologized and promised to follow up. He called back a couple days later and explained that the request had not been addressed, and promised to get it to processing. After another 3 weeks I called again, received no response until another 3 weeks later I received a letter that totally ignored the issue and stated that XXXX stated that we had authorized the auto payments upon opening the account. However, our authorization was related to payments for OUR bills, not some thief that stole our account number.
I have received " targeted offers '' from Chase for the " XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned " annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my " targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their " card benefit '' of " first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.
I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me.
I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.
I have a lot of Medical bills on all XXXX of my credit report that do n't belong and i have been trying since last year to have them remove plus other fraudulent stuff that has been removed and put back on my credit i do n't know what else to do so i am going to download all the information i have!
capitol one will not let me link my bank account that i have with them to my XXXX account, theyre blocking my access to my own account
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to Transunion, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.