WillisBack/dataset-financial-user-claim huggingface dataset:
I recieved a payday loan from Speexy cash in XXXX, WA for {$350.00} and was to pay back {$400.00} on XX/XX/2019. My medical premiums have been taking out hundreds over the regular amount to the point that my company and union are all going to sit down and figure out wtheck is going on so I was unable to pay the payday loan back on time due to not expecting my check to be hundreds short. SO, payday loan day came and went but I had also given them permission to run the check and knowing my bank allows overdraft I assumed okay its going to overdraft my account and there's nothing I can do. Well, a woman named XXXX called me XXXX XXXX from speedy saying the check had been declined. I, then, explained the extenuating circumstances and said I would definitely make a payment on my next payday which now differed from original biweekly schedule ( was out on medical but then went back to work in this time. Its why i needed the payday loan ) so yes instead of two weeks from original due date it was agreed to be paid on XXXX XXXX. It was agreed to! They instead lied and continued to try and pull out entire amount and did so overdrafting every penny from my account. They by WA law HAVE to accept installments and I believe I even have 45 days to make a payment before theyre allowed to begin trying to force payment anyway are they not? Anyway, I called and they could care less and their reasoning was, " well, other people have lied and not paid them back in the past so they do this to everyone. '' They used deceptive means and lied about the agreement all together. I have all of which on recording to prove so. Her admitting to not telling me thats what they would even possibly do. I need that money back now and they can not treat me as less than human when this was completely out of my control in the first place. I can prove the medical was taken straight out of my check and that they owe hundreds when I've only just gottan back to work so they are the only ones who have lied here and royally XXXX  me after I was already going through enough! Please help.
Ditech makes up amounts for payments and late fees. They misapply payments and late fees to create defaults. I have complained to Ditech numberous times about their practices. They refuse to do anything about it. I have requested a copy of a default letter to provide the date. They refuse to provide it. When i call my appointed representative, it ALWAYS goes directly to voice mail and no call back is ever received, even when Ditech is given express permission in the voice mail to do so. They are a corrupt and fruadulent company and need to be shut down. In XX/XX/XXXX, I cured a default, which included lates fees. Today, I called to let them know I was curing another default, supposedly complete with late fees. When i asked about the late fees, I was told that they have some fees from XX/XX/XXXX and XX/XX/XXXX. I explained to them that this was impossible as the amount paid in XX/XX/XXXX brought the entire account CURRENT, INCLUDING late fees. Still, this default is for 2 months of payments and late fees supposedly. My late fees are {$41.00} and I was told and have it on RECORDING that they can not raise my late fees. I have been charged as much as {$100.00} in late fee, even though they tell me that by law, they can not go over the {$41.00}. Today they are charging me {$160.00} in late fees, which does not add up to two late fees or even three late fees. Not to mention a late fee was included with my payment for XX/XX/XXXX. My payment is {$1200.00} and I paid {$1200.00} Where did the additional money go? Green Tree is not applying payments to my account correctly and admitted as much today when they claimed they were still charging me for late fees in XX/XX/XXXX and XX/XX/XXXX!!! Then the rep changed the story when I told her it was IMPOSSIBLE that there'd be any late fee prior to XX/XX/XXXX still owed on this account. Someone needs to ensure that this company applies funds correctly to all consumer accounts. If they can not do so, then there are plenty of financial institutions who will.
On  XXXX / XXXX /17 I filed a complaint with TransUnion in regards to  XXXX  accounts that were reporting on my Credit Report inaccurately as these accounts were not mine. I requested TransUnion to provide sufficient information to investigate the disputed information, and they did not provide me with whom said accounts were verified with along with their contact information. The following accounts have not been properly investigated by law : Chapter  XXXX  Bankruptcy Maryland   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   These accounts have bee n labeled as Dispute n ot Specific however they were also considered " verified. ''
I was actually attending the XXXX XXXX XXXX XXXX XXXX in XXXX Pennsylvania, But this school is not available on the list and has been closed. The dean was caught embezzling money, this chain of schools has lost multiple lawsuits due to their predatory loan system. They have been caught colluding with XXXX XXXX to increase student loan debt and using things such as false placement rates and led students to believe that they would not be making poverty wages once being placed in a job in their field. I was also told by XXXX XXXX not to even pay them anything if I could not pay more than $ XXXXmonth because it would not cover interest, and then proceeded to double my loan amount in late fees and interest. I would like to know if I am eligible to participate in a class action lawsuit against the school or XXXX XXXXNavient for conspiring to trick students into paying near 44 % MORE to attend these schools to get out and make poverty wages with no benefits. This company is very predatory and has hurt myself and many other students.
National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment.
My doublewide home and land had already been sold. I don't know the dates exactly, but they wouldn't let me catch it up on payments. The money that I did send XXXX XXXX, they didn't take it off my balance. They did send XXXX XXXX dollars back. They kept the rest because I never saw it.I don't know my account number or loan number. My address was XXXX XXXX XXXX, XXXX, S.C.XXXX My cell number is now XXXX
I have a inquiry on my transunion credit report from XXXX. I have call transunion and XXXX and no help getting this inquiry off my credit report. I use XXXX XXXX for credit info. The inquiry took place on XX/XX/XX/XX/2018
Experian combined another person 's information on my cerdit report depsite obvious differences in the SS #, DOB, address, spouse, and employer. This other person has a bankruptcy, another mortgage and XXXX accounts that have been affected my credit score to detriment. Experian has agreed to remove the person 's infomration but will not offer me anything regarding free credit monitoring or compensation for the damage to my credit.
I am attempting to close my deceased brother 's checking account. 
I was told I needed to appear in one of their branches with the death certificate. I live in XXXX, the bank is centered in XXXX. I flew there and did as requested, but did not yet have testamentary letters appointing me the personal representative for the estate. The banker who helped me told me because it did not transfer to me on death I needed to come back to a branch in person with the testamentary letters when I obtained them. 
I have handled both my mother 's and brother 's estates. In every other case with a financial institution there was an option to handle this remotely. 
The fact that they want me to fly there again, rent a car, and visit a branch in person when I 've already done so once with the certified death certificate, and they took a copy of my government ID seems ridiculous to me. 
I have the testamentary letters now, but do n't understand why there is no option to handle this without a personal visit to one of their branches.
Hello, There was 2 separate transactions ( {$100.00} ) and ( {$150.00} ), on XX/XX/XXXX and XXXX. This happened at the ATM, using a card-free access. I filed a dispute on XX/XX/XXXX, since Wells Fargo was have a system failure ( on my end, until XXXX ) and they denied my claim, because they had assumed it was authorized, when in fact, it was unauthorized. I was in another city at the time of the transaction and this is unacceptable.
This letter is to inform you that TranUnion has failed to respond to my inquiry dispute letter that was sentg certified mail XX/XX/XXXX and the numerous phone calls I 've made to attempt to correct this error. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. I also have a fraud alert on my credit file and to say that the social security matches does not constitute valid reporting or inquires. I asked that the following inquires from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires with a credit or insurance tranaction that is not initiated by a consumer, which I have spoken to several US agents and informed them that the following inquires was not initiated by myself and seek immediate deletion and correction to my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I HAVE SIGNED UP WITH XXXX, TO PAY OFF MY WELLS FARGO CC ACCTS., I WAS 160 DAYS PAST DUE, AND HAVE SENT THEM INFO FOR XXXX IF THEY HAD ANY QUESTIONS ON MY ACCT. 
INSTEAD ON XXXX/XXXX/16, THEY WENT INTO MY DAUGHTERS CHECKING ACCT. AND TOOK OUT {$960.00} FROM HER ACCT. WHICH MADE MY C. C. ACCT. UP TO DATE, AND KNOW THEY DO NOT WANT TO DEAL WITH XXXX TO PAY THIS ACCT OFF, I HAVE EXPRESSED THAT I AM NOT A ABLE TO PAY THIS AND IF THEY WILL PLEASE EXCEPT THERE OFFER, THEY THEY REFUSE, THEY HAVE SINCE TRIED TO TAKE XXXX OUT OF MY CH CHECKING ACCT, WHICH ONLY HAD XXXX IN IT NOW THEY ARE CHARGING ME NSF FEES FOR THIS, I DO N'T KNOW WHO ELSE TO TURN TO, THEY 'VE TAKEN FROM DAUGHTERS ACCT WHICH WAS SO UNEXPECTED, I HAVE EXPRESSED TO THEM SEVERAL TIMES AND HAVE WRITTEN LETTERS TO PLEASE SETTLE WITH XXXX, THIS IS THE ONLY WAY I CAN PAY THIS OFF, WITH SUCH HIGH INTEREST RATES AND FEES THE BALANCE IS NEVER GOING DOWN. 
CAN YOU PLEASE HELP. THANK YOU
I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.
I have been paying my loan to wells fargo home improvements projects on time or two days late I called and they said they would take off late fee and change my due date to the XXXX of each month because I only get paid twice a month. They told that would be fine but come to find out they are still charging me late fees for the late payment I did n't pay that they were suppose to take off and now today I 'm told the system cant take off the late fee and are charging me more than the normal amount of {$52.00} monthly I have called several times.
AD ASTRA RECOVERY SERVIC XX/XX/2015 3 yrs, 1 mo {$300.00} I have already filed complaint a denying the debt. The debtor has refused to provide any details.
XXXX XXXX, XXXX XXXX XXXX AND XXXX, XXXX, XXXX COMMITTED F.C.R.A. INFRACTIONS. BY RE-INSERTING ACCOUNT ONTO MY EXPERIAN CREDIT REPORT W/O 5 DAY NOTICE TO CONSUMER IN VIOLATION OF FCRA. MUST PAY {$1000.00} PER THE LAW!
I do not owe this company nor have any dealings with it my information, including phone and address information has been compromised and this account is a result of identity theft that needs to be removed asap.
From time to time, I try to cash a check from Wells Fargo and every time I need to show XXXX IDs, talk to an agent, listen to his solicitation speech ( " open an account '', " joint your husband 's accounts '', or both! ) and then I am allowed to cash the check. It is a waste of my time and I find it very intrusive. The check amounts are below {$500.00}, so it is not a safety issue, it is a solicitation hassle. This is the proof : I had to go today to the branch because yesterday, in the drive thru, they did not want to cash me the check. I offered the XXXX IDs but they still told me I had to stop by the next morning to talk to the agent! I have to always answer if I have an account with them and if not, if I am want to open one. I do n't want anything but cash my check in a simple, speedy transaction!
Wells Fargo Dealer Service has charged me an interest rate of 15.999 % on a used vehicle that was purchased in XX/XX/XXXX. When asked to refinance in XX/XX/XXXX, I was denied. I asked for the money to go towards the loan and not the interest rate, in attempt to make my {$290.00} payment of a XXXX XXXX XXXX base a little lower since I was also a XXXX XXXX XXXX XXXX, I was denied the option to put the money towards the base and not the interest. When I spoke to a representative about six months ago from Wells Fargo, I was told I would be able to pay it off with a settlement of about {$6000.00}. When I called back today, I was told that there was not settlement option and then that information was changed to a little of {$7000.00} for a settlement. The numbers provided to me during my phone conversation today were not accurate. When stated the previous conversation and the numbers were wrong, I was put on hold and nobody came back to the line. I will be calling again tomorrow but it is ridiculous how they have handled this situation, the ridiculously high interest rate, the fact they would not let me refinance after a year, and the confusion with numbers and data of my account is astonishing and crook like.
North Shore Agency has sent us two notices that we owe {$13.00} for a magazine subscription we did not request. The notices do not:1. contain information on how to proceed if we do n't think we owe the money2 and we never received a validation noticeXXXX requirements as indicated at www.ftc.gov. 
Thank you!
To whom this may concern, I opened a Citibank Account Package with Regular Checking account online on XXXX/XXXX/XXXX with the promo code CZPE with a promotional bonus offer of {$400.00}. After spending weeks unsuccessfully trying to access my existing Citibank online account due to Citibank online account conflict issue with their credit card account system, I was finally able to submit an opening deposit of {$15000.00} on Thursday, XXXX/XXXX/XXXX. However, their system did not process the deposit and showed a deposit date of XXXX/XXXX/XXXX. I immediately called Citibank about the delay and was assured that the XXXX/XXXX/XXXX deposit date will NOT affect my eligibility claim as they do not process deposits over the weekend. I was told that since XXXX/XXXX/XXXX was on Saturday, the cut off date is the next business day which is Monday, XXXX/XXXX/XXXX. 90 days later, I 've contacted Citibank again and was told that the bonus should actually arrive on XXXX/XXXX/XXXX which is 120 days after the initial deposit ( 30 days of meeting deposit minimum and 90 days to be credited ). Now it 's been more than 120 days and I 've contacted them again, and was told that I 'm not eligible for the promotion although false information was given to me the previous times that I 've contacted them. I am very concern that a major bank will outright tell lies to consumers by providing incorrect statements. This is not acceptable for a major bank institution. I have kept records of online chat sessions with Citibank and taken notes of all calls and phone inquires. I have not been able to get anywhere with my direct interactions with Citibank due to misinformation being provided me and lack of escalation options. I need your assistance in supporting my claim on this matter and bring this to the attention of the public, so others wo n't get misled by this institution and their deceptive practices. Thank you.
On XX/XX/2018, I received a response from LexisNexis about the reporting of information about a bankruptcy reporting on my LexisNexis report. I have included this response in this complaint. I would like to make a few bullet points to dispute their response as I believe this reporting is an example of defamation of my character, and is negligent enablement of identity fraud. 

1. The address reporting on XXXX  for this bankruptcy is XXXX XXXX XXXX XXXX XXXX, ND XXXX. This is an incomplete address and I have never lived there. 
2. XXXX  doesn't report my full SSN on any court docs related to this bankruptcy. 
3. I have a XXXX  account and have PHYSICALLY VERIFIED the address reported as mine is incomplete and inaccurate, and my SSN is NOT fully reported on any of the court documents in this case. 
4. XXXX XXXX XXXX XXXX XXXX. is a SEPERATE COMPANY with a SEPERATE ADDRESS and PHYSICAL LOCATION then LexisNexis and it has not verified to me how it obtained this erroneous reported account, and it is NOT the original creditor, which by law, any agency must obtain any information about a consumer from an ORIGINAL CREDITOR. 
5. " Documents are not required in Mr. XXXX 's matter. '' Just another example of a LexisNexis form letter being sent out with mistakes being overlooked without any PHYSICAL VERIFICATION being done! 
6. Although bankruptcies are indeed a matter of public record, it is the duty of the CRA by FCRA law that the CRA must PHYSICALLY VERIFY the accounts being reported are 100 PERCENT ACCURATE and all information is CORRECT before placing them on a consumers credit report. If this isn't done, one could sell bogus, erroneous information to the CRA without it being VERIFIED as FACT. 
7. I have received no description of PHYSICAL VERIFICATION used to determine the ACCURACY and CORRECTNESS of information being reported to my LexisNexis account file, including business name, address of said business, and telephone number and contact persons name that furnished this information to LexisNexis.
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, Experian, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX  because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with Experian due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see.
I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.
I purchased a vehicle from  XXXX   XXXX  and was set up with financing through  Credit Acceptance. I   was told I was getting financed on {$18000.00}. If I go through full term of the loan I will be paying them over  XXXX  for a vehicle that is only valued through   XXXX  . at {$8400.00}. Now when I try to refinance the vehicle I am getting denied due to the loan amount exceeding the value of the vehicle. This is not right for a business to do to somebody who is already low income and struggling to keep his family a float.
I signed up with Equifax and    XXXX    to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   X/XX/XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every 30 days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about  X  months.