WillisBack/dataset-financial-user-claim huggingface dataset:
Repeated harassing voice mails with veiled threats. Calling and harassing references. Call from district manager saying I should get a lawyer. In XXXX 2015 I had fallen behind because I was in the hospital 8 days with XXXX. I was getting calls while I was in the hospital. I later realized that I had agreed to insurance if such a situation arose. The manager never once mentioned this to me. 

I fully understand I have an obligation to pay this amount. I also understand that you can work with the lender to assist in this matter. My experience last year, convinced me that One Main uses this to encourage you to call but the agenda is to try and pressure and harass you until you make an immediate payment. I assume this strong arm tactic is used by this type of lender in an attempt to reduce the percentage of loan defaults. I also suspect based on the number and the harassing nature of the calls, it must be tied to an incentive bonus. However, it does n't excuse their tactics and excuse them from the fair loan practices that they are bound by. When a district manager leaves a call saying he has your file and your employer information and suggesting you call a lawyer was the last straw. I am sure they are well schooled on what constitutes a threat but that is a matter of legal semantics. A veiled threat is not the same as a direct threat, but their protocol does violate the process
Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.
I would like to know exactly what im being charged over {$1800.00} for. I have requested the documentation several times, directly to the creditor and the credit bureaus through formal validation. I have just received a final bill that just states the amount owed, but has no itemized charges of how the bill came to over {$1800.00} in total.
On XX/XX/XXXX I received a phone call from Chase regarding possible fraudulent activity. I was asked if I had made a purchase at USPS for {$480.00} to which I responded no. They then asked of I had made two different transactions at a XXXX Atm for {$43.00} each time. I responded no. I was told not to worry I would not the responsible for these charges and that they needed to file a claim to return the money into my account and that it could take several days. I checked my account and 2 days later I seen two credits for {$43.00} and two non chase atm fees of {$2.00} were returned into my account but not the  {$480.00}. I called chase to find out why and was told that it was denied. When I asked for a supervisor she placed me on hold and said the request was done incorrectly and had to be redone. I said fine. Later I checked my account again to see if there was any other activity and found I was being double charged for XXXX for several months. I called XXXX who said I had two open accounts. I explained I should only have one and asked for information as to who opened it they refused to tell me. They said to call Chase and report it as fraud. Which I did. Chase then indicated they can only go back 60 days to return the money and to call XXXX to have them report the fraud. I call XXXX back and they decided to close the extra account and refund my money. I called chase to advise them. I was told unfortunately since it was reported as fraud there is nothing they can do with my report and that the fraudulent charges on XX/XX/XXXX ( {$480.00}, {$43.00}, {$43.00} and the two {$2.00} non chase arm fee ) were denied because there was fraudulent activity on my account since XX/XX/XXXX which I never reported. They also claimed that I said I lost my debit card and therefore there was nothing they could do for me. I even called the executive office and they still denied giving me my money back. Had I known reporting the XXXX charges would cause an issue with the actual fraudulent charges on XX/XX/XXXX would have never reported it. However, from when I called them on XX/XX/XXXX I was told the claim was denied. Seems chase just is looking for the easy way to deny giving me my money back from my account which they failed to keep safe. Someone created a fake atm card and found out my pin and was able to take {$570.00} out of my account. I think it is unfair for me to not get my money back when it was fraudulent charges! I want them to investigate and get this person arrested! I want my money back!
I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & Equifax Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.
I recently came out of bankruptcy and began making payments on my loan for almost a full year. The loan company, Aspire, keeps adjusting my variable interest rate upwards. I have called and spoken with them about my monthly payments and keeping it affordable, as well as paying them off as soon as I can. I have begun paying my loans a little earlier to help with paying it off sooner. However, my interest rate has steadily increase and make it difficult to lower my principal. I am the mother of a child with a XXXX, and I can not afford for the company to keep raising my interest rate and making it impossible to pay it off. I have never missed any payments nor paid late. My other private loans have remained stable in interest rate, and the company has not given me any satisfactory reason as to why they specifically have continued to raised my interest rate. Furthermore, it seems to me that they are attempting to gouge me. The last time I spoke with them XX/XX/XXXX, I changed my payments so that I would be paying off the loans sooner and they attempted to offer me ways to add more interest to my loans and making it seems like a good deal. I have also asked about refinancing options, but these are more expensive. I hope that this can be resolved by lowering my interest rate and keeping it stable. The most recent raise was to 3.73 %. When I started repayment, my loans were at 3.26 % just 12 months ago. Please help me get this resolved to keep my rate stable.
There was incorrect information reported on my credit report. There were two separate loans from XXXX XXXX around {$160000.00} worth of debt. That affects all of my previous loans that were taken out due to income to debt ratio for loans that did not belong to me. Therefore interest rates higher and potentially declined for loans.
on XX/XX/2018 i deposited a couple checks on they put my account on hold until they cleared. they cleared on XX/XX/2018 one check was for XXXX and the other for XXXX. i called several times and they would tell me that they were closing my account and would send me my funds. this being capital one 360 checking and savings they closed my savings and they say they closed my checking but i can still login and see that the funds are still in my accpount plus they are still paying interest on it i asked the bsank for copy of all the recoreded calls that i had to make with them but no responce so as of XXXX my balance XXXX
Credit report is showing I owe {$68.00} to XXXX ... this debt has been paid ... I challenged it through XXXX & they deleted it from my report ... I also called XXXX XXXX & they are not showing any such debt ... Please remove this negative information ... thank you XXXX XXXX ... XXXXXXXXXXXX
I received student loans for the purposes of attending college between approximately XX/XX/XXXX and XX/XX/XXXX intermittently. During this time, and the time since, the option of an income based repayment plan was never made apparent to me : my options were high monthly payments, forbearance, or deferment. As a result, I put my loans on financial hardship forbearances until they were exhausted. Now I can go through the cumbersome income bases plan, but the system seems designed to confuse the borrower. I 'm dealing with multiple loans and different call centers and collection agencies. Navient should be labeled as a criminal organization.
when XXXX took over my loan with chase, they charged me for taking over the loan, they have said they didnt, but here is the papers they sent me showing they had. i would attatch documentation showing such if website gave me the ability to do so
I purchased a {$75.00} Amex prepaid gift card as a gift for my son. When my son tried to use the card he was told by the cashier that the gift card was never activated when purchased. I have been in contact with Amex numerous times to resolve the situation. Each time I have been in contact with Amex they have thwarted my efforts to recoup the money. I sent Amex clear photocopies of the gift card and receipts. They even ask me to send them a copy of the store journal which I went to the store and they had to contact their corporate headquarters. I followed up by fax and mail ( certified ) with very clear color copies only to be informed again that the documentation was illegible. Amex is giving me the BIG RUNAROUND after attempting to recoup my money. I have reviewed these gift cards only to realize that many people have the same problem. Please help. I have exhausted my options with Amex. I have documentation to send if you would like to review. Thank You ... ..
On-Line Information Services is a collection agency that has been harassing me about a XXXX XXXXXXXX XXXX XXXX of {$240.00} incurred in XX/XX/XXXX in a condominium residence XXXX XXXX XXXXXXXX XXXX XXXXXXXX, that had been opened in my name due to identity theft. 

My son, XXXX XXXX XXXX and his father, ex-husband XXXX XXXX XXXX unlawfully took possession of the Florida condo in XXXX per fraudulent transfer of assets, and in fact, went before a judge swearing under oath that I had never lived there. 

Lo and behold in XXXX, I received a letter from the collection agency demanding payment for the utility bill. On-Line has tarnished my credit with all three reporting agencies. On numerous occasions, I have explained to On-Line that the condo was taken over in XXXX and I neither opened an acct in my name, nor had anything to do with the residence in XXXX when the charges were incurred. They have been been rude and have ignored my attempts to explain that I am not liable for this bill. 

I have spoken to XXXX XXXX and was told that they in fact, closed the acct years ago and are not looking for payment. They further advised me to report a collection agency that harasses individuals victimized by identity theft.
Approximately 1 year ag o Citibank sold  me on taking their   XXXX  progr am which apparently gave me some extra services with a financiaal institution I 've been doing business with for 40 years. The requirement for keeping    XXXX   status was to maintain accounts with  a   XXXX   amount of {$50.00}, which I have done. Today I received a message fro m Citi that the cumlative amount now required has changed to {$20000.00}. It 's not so much that I trasure their gold program, It 's more that I think I 've been taken by very bad custome practices by Citi
My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.
This guy named XXXX XXXX his phone number is XXXX said he was calling on behalf of XXXX, but when we called them they knew nothing of me or them. they told me to contact the ftc. This man said he would have me served with a warrant and taken to jail if i did not pay him. I had never heard of this company or this guy, yet he said there was a court case against me and said if i did not pay him that he would take me to jail from work. We contacted our lawyer and he said a lot of clients had been getting calls like this and to report it as fraud. 
This person threatened my wife, my mom and my brother. 
These people somehow have my job information, my address and my family member names, and they will not send me any information whatsoever on who they are or who they represent. I ask for information and they yell at me and tell me that unless I pay them they will take me to jail. I said that I do not know of them and want proof they are not a scam, then they get louder and more threatening and hang up on me. 
This company that they say i owe money to never heard of me or them. they told me to report this. I hope that these hateful people are prosecuted. Very awful that they call you and make you feel like a criminal and yet they are the criminals.
XXXX uses dishonest and misleading language to describe the status of payments made against outstanding balances on their in-store red card. I have experienced this problem on several occasions, most recently regarding a payment today, XX/XX/XXXX that, according to XXXX, posted to my red card, meaning that the money was taken from my registered checking account by XXXX and used to pay down my balance. When I verify this information online using the my red card service, the payment in question is listed as posted along with the transaction number. It is not listed as pending, and the amount of the payment has been deducted from my outstanding balance on the card. 

However, no money has been removed from the checking account that I registered at XXXX. This is the one and only method that I authorized XXXX to use to conduct this transaction.

As a consumer, I rely on accurate and timely information regarding my transactions. I do not appreciate XXXX representing a transaction being completed, which is what I can only reasonably assume they mean when they say, posted, when this is ostensibly untrue because no funds have been removed from my checking account. I dont understand what the issue is here because its a simple matter of changing their language to make it accurate instead of misleading. My guess is that they keep it this way so that people are more likely to XXXX up and overdraw on their checking account balances, like I have several times in the past because of this very issue. But, I cant be sure. Thank you for your consideration.
I bought a car, refinanced through wells fargo. I fell behind but I did settle with them I sold the car, and sent them all the money, and released the title to the buyer but its still showing that I owe.That part is incorrect because we settled. And its still on my credit. I took out a loan and wells Fargo sent then a letter saying it had been resolved but it still showing.
I went in to a motorcycle dealership to see if I could by a streetbike my credit was in the low XXXX, XXXX So I really was kind of taking a shot in the dark did n't think it would happen because at this point and Time I was unemployed and going to school and had school loans that were on my credit report.Whats so crazy is I walked out there, we 'll actually rode out of there on a brand new motorcycle that I thought I could afford once I graduated from XXXX XXXX and got a good job ( do n't get me started on that sham ) well come to find out that on the loan they put that I worked for who XXXX in order to push it through and make there sell.! Is there any thing that I can do to get this major XXXX up taken care of I had no idea that they XXXX on the loan application and would have never taken the bike if I knew what was going to happen with XXXX thank you
First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.
My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.
Due to the recent lawsuit against Navient, I would like my student loans verified. I am very concerned about the recent allegations. If you are unable to verify my loans, I ask that they be removed.
I received a credit monitoring alert ( XX/XX/2017 ) that 2 medical collection ( one for {$30.00} and the other for {$650.00} ) had been placed on my credit report. I have NEVER received any phone call or written communication regarding these medical accounts. I called the original creditor and they stated that I was not listed on the account and that they had NOT reported anything to a collection agency. I then called the collection agency and asked why they reported the account when the original creditor had not reported it, their response was that I was still linked to my ex-wife 's accounts. I told them I have been XXXX  for 4 years but the collection was only a few months old. The collection agency stated that they took the liberty of reporting the account on their own behalf to the 3 CRA 's. I faxed in a copy of my XXXX  decree to show that I was n't linked to my ex-wife anymore. I told the collection agent that it did n't sound very legal in what they did but he turned a bit belligerent towards me and said that 's the was it is.
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the   XXXX   XXXX   XXXX   .  These student loans were opened up unbeknownst to me which I was  XXXX  ( date of  XXXX   Date t he fraud occured :  XXXX / XXXX / XXXX  ; amount  ( s ) :   {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my repo rt (     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and    XXXX   ).     Now, I Have "   XXXX   XXXX   XXXX    ; Dept.  of Education/NEL N ; US Dept.  of Education/GSL/ATL, posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.