WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted around XX/XX/2015 regarding a XXXX account which, in my best knowledge, was owned by my father, XXXX XXXX, when we used to live in an apartment, XXXX XXXX XXXX XXXX XXXX a couple of years ago, TX XXXX. My father is a senior citizen, so since I take care of many of his day to day needs and business, I used to make payment to his dish network account using my credit card information. 

I was contacted by this collection agency first time ever. The representative mentioned the XXXX account like it was mine, so I told him it was under my father name, XXXX XXXX. Then he said, I had been paying his bills. I told him, I used to make payment, behalf of him using my credit card information. 

This collection company using illegal tactics to collect a debt. XXXX XXXX never tried to collect the due balance from me by trying to make me liable for the remaining balance. 

Collection company report the due balance to my XXXX XXXX credit report. I am a very responsible homeowner and have had a mint credit history. 

A notarized statement from my father could be provided upon request that it was his account and I was n't liable for it to begin with. 

My father lives with me.
I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.
I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute
The company, Seterus , Inc., which has locations in XXXX, CT, XXXX, OR, and XXXX XXXX, CA, has been harassing us for months with threatening letters, inconsistent dollar amounts of " late payments '' and threats of foreclosure if we do not bring our account up to date. I have documentation, supported by my bank statement and Seterus ' own website, to show we have not missed a payment nor have we been late. My job has been in XXXX XXXX, and I have compiled a comprehensive spreadsheet verifying my position. Seterus has also falsely reported my wife and I to the various credit reporting agencies in an attempt to damage our credit, forcing us to pay their demands.My research into this company shows is this rather common of their practices. Internet sources show there are a myriad of complaints and lawsuits against them for similar issues.I request that they cease and desist their harassment, correct our account status and remove the derogatory remarks from our credit reports. I'm not sure which documents I should include as there are many. I appreciate your input as to what is needed and I will be glad to comply.
debt was transferred to me after my wife disputed it from being on her credit report and it was deleted. it was her debt to begin with and the Dr office would not correct the Faulty XXXX XXXX she had fitted. XXXX XXXX sold the practice to XXXX XXXX who refused to correct the problem. they said it has been turned in to collections and we are through with it and you.
In  XXXX   2016 I conta cted several moving companies for a cross country move. The sales rep   XXXX   from   XXXX   XXXX   XXXX   XXXX   quoted me {$1800.00} and promised to throw in all the packing fees etc. I booked for  XXXX   XXXX  and when the driver arrived and moved all my belongings, he now told me my total was almost double the amount (  XXXX  $  ).  He told me to pay half the amount by c c ( chase ) ( {$1700.00} )  and dispute the following with his accounting dept.  XXXX . I did so and she promised to get back to me with a resolution. My belongings arrived and the driver demanded the remainder in ( {$1500. 00} )  cash.  XXXX  had never gotten back to me and if I did n't pay I would n't get my stuff. They held my belongings hostage and I had several missing boxes and damaged items. I reached out to both  XXXX  and  XXXX  and they avoid my emails and calls. I filed a dispute with my cc company and they dragged it along for 10 months. Finally the sided with the merchant because they picked up and delivered the items. I was a victim of a bait and switch and thier reputation apparently has scammed many people. Chase/Mc has a partnership with them that 's why they sided with them. Please help me ban them from scamming more people!!!
To Whom it may concern, I'm have recently look in the details to monitoring my credit for future endeavors to set things in place for retirement etc. and I discovered a overload of items/ accounts I was not aware of, I'm not sure where these charges and accounts could have activated nor when however these are not my account .I 've tried to call to verify with these companies to little ( or no ) avail .I feel overwhelmed and stuck in moving on ward and upward.
I obtained this loan on XX/XX/XXXX, 2017 to consolidate some of my other bills. I went into the office of OneMain Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX assisted me with the paperwork. I thought this was a good thing at the time to really help me with my financial needs. It was n't until about 3 weeks later when I learned of the {$950.00} fee just for doing the loan. I had talked with my XXXX XXXX insurance agent and was offered a loan with a much lower interest rate. This is when I discovered the outrageous fee on top of the 16 % interest rate. I am a senior citizen on a fixed income and I was NOT told of this FEE at the time I applied for the loan. Since trying to get the pay off info from OneMain, it has been a nightmare. I truly feel they took advantage of me by not clearly explaining & pointing out the {$950.00} fee BEFORE I took out the loan. Nearly a {$1000.00} FEE is certainly NOT how you help a senior on a fixed income. Then they took my 1st loan payment from my bank account on the XX/XX/XXXX when my 1st loan payment was set for the XX/XX/XXXX, per the contract. I was given the run-around when I asked for the pmt to be reversed on X/X/17. They said to get a bank statement showing the pmt of {$460.00} cleared and bring it to the office and they would cut me a check for that amount right then. When I got there with the proof from my bank they refused to give me the check and told me it would be processed and mailed in about 1 week. I need this money now. By the way, my loan amount w/ OneMain was {$18000.00} on X/X/17 and the pay-off amount effective X/XX/17 is {$20000.00} through X/XX/17. I am going with the XXXX XXXX XXXX loan to pay off OneMain.This place is SHADY in my opinion and preys on people like me, a senior citizen. They need to be investigated.
My dispute involves transactions from a XXXX. Money was deposited into an account with them using my debit card linked to my checking account. After receiving my money, XXXX closed my account and walked away. They stole my money. XXXX is a scam! I just want my $ XXXX back. I 'm not going to let this go!
I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
I had fraud alert on my credit file with Experian back in XX/XX/2016 regarding excessive inquires on my credit file, I am showing that there are over XXXX inquiries that I have not authorized, I am sure why or who are doing these inquiries but If my file was documented with fraud alert how they can still allow hard inquiries to be added to my credit file with out verifying personal information. This is unacceptable.
My loan servicer is FedLoan Servicing. Their website contains numerous information about managing repayment. XXXX of the options concerns changing the due date of your loan. The site implies this option is available to all loans ( XXXX ). Lately, my rent check and my student loan payment have been taken out of the same paycheck. Due to this, I have received several overdraft fees from banks. I requested that my due date be changed on XXXX via e-mail as instructed on the site. I never received a response. Today, I called my servicer. The representative indicated that I could not change my due date in the middle of the year. Rather, I can only change the due date once the billing year has elapsed. I believe the information on their website is deceptive that anyone can change their due date upon request. 

I want to pay my student loans, however I just need the due date pushed back 6 days so I can avoid other costly bank fees.
Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Bank of America Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.
I incurred {$25.00} late fee on XX/XX/XXXX on my last statement XX/XX/XXXX. I called customer service on XX/XX/XXXX and explained that I requested the Bank of America representative to set up an auto pay for my card so that I don't be worried about late fees. The representative didn't accept my explanation and insisted that the fee will stay. I requested to talk to supervisor, after holding for sometime, I talked to XXXX, she backed up her colleague and did not pay attention to what I am explaining. She said that the fee will stay and I must pay it. I asked to talk to a manager, XXXX said manager only have administrative authority and can't reverse the fee and it takes 2-3 business days for them to call you back. I accepted and gave my phone number and requested to talk to manger. Since I haven't received any call. I am very dissatisfied with Bank of America and want them to reverse the late fee ASAP. 

I told them even I have relation for 14 years and I am preferred member, I am considering to close my all my accounts with them. XXXX did not care at all. 

I want a responsible person to call me and explain me the reason for such a poor customer service and unjust fee. 

Thanks, XXXX XXXX XXXX
Hello, my name is XXXX XXXX. I have a reverse mortgage through Wells Fargo Home Mortgage.Two years ago I had financial trouble and could not pay my property taxes for XXXX. After initially threatening foreclosure, I was placed on a repayment plan. After continuing to repay as agreed and paying my own property taxes for nearly two years, Wells Fargo began threatening me again with foreclosure, only this time it was due to their claim that I did not have sufficient flood insurance coverage. Upon looking at my policy coverage I found that it was {$50000.00}, not enough to satisfy the reverse mortgage amount of roughly {$210000.00}. It is something that I do take partial responsibility for, however if Wells Fargo would only have contacted me then and let me know I would have increased my own policy to {$250000.00}. Never once did I ever recieve a simple letter stating that I had insufficient coverage. So they charged me {$3200.00} for two years of insufficient coverage and threatened me with foreclosure again this past Fall. They then put me on a repayment plan again for that amount. That 's {$3200.00} for two years of flood insurance coverage all along while I was also paying {$600.00} for my own {$50000.00} policy. I told them that I will have my own private flood insurance increased to {$250000.00} in XXXX XXXX and that I would send them a copy of the new policy. Well last month I received a call from Wells Fargo right after the XXXX XXXX and was told that they were charging me another {$1600.00} for flood insurance for XXXX. I told them that I was getting my own policy through XXXX increased in XXXX and at " HALF '' the cost that they are charging me! I am a senior citizen on a fixed income. At XXXX years of age, my XXXX can not take much more of this. I can not believe this is happening when all Wells Fargo had to do was let me know 2 years ago that I did n't have enough coverage. They are charging me twice what my own insurer quoted me and because of that they are now taking half of my social security check each month and I am struggling to be able to afford to pay for increasing coverage on my own flood insurance policy! Please, I really need help here!
I fell behind on my credit card payments. I was five payments behind when I was offered a payment arrangement. I had to pay the past due amount in installments of {$72.00} and the card would be in good standing again. I was never advised that the card had been restricted or would be unable to be used if I made these payments. I made the payments as directed, brought the card back current and under the limit. The moment that the card was " current '' again my account was restricted. I have contacted Capital One on two occasions to have this rectified without assistance. I have been told I just need to keep making payments and they review accounts periodically to remove restrictions. No idea how many payments I will need to make or how long before I can use the card again. I was never advised of this in the letter I received to make the payment arrangement. I feel like I was misled into making payments that I would not be able to use.
I have been trying to get in touch with Experian credit reporting company about identity theft and fraud accounts on my credit report. I have not been above to get access to my credit report or to talk someone over the phone about these problem or issues.
Purchased a car from XXXX of XXXX on XX/XX/XXXX and the finance manager stated the only way to get the loan was to buy the extended warranty but that I could cancel it the next day for a refund. Tried the next day all the way through XX/XX/XXXX - XXXX kept saying the cancellation had been processed many times and finally she gave me a number to call after 18 months and the people there stated that XXXX dealer had the money and they were the ones to issue the refund. 
Called XXXX XXXX and she stated that the warranty could NOT be cancelled after lying and deceiving for 18 months!!!
I obtained a loan for {$1200.00} from XXXX XXXX XXXX. Part of the agreement of that loan was that I could pay off the loan in full at any time. I sent them a check for {$1200.00} on XXXX with the terms written on the check that the account would be paid in full.. They agreed to those terms when they deposited that check on XXXX. They are now claiming that they never received my payment and are reporting to the credit bureau 's that a balance of {$1800.00} is still owed and has been charged off. I sent XXXX XXXX a letter dated XX/XX/2018 and enclosed a copy of the check they endorsed and deposited. I than initiated a dispute with trans union. XXXX XXXX are still claiming that they never received the funds even though I have proof of payment through my bank.
I REQUESTED FROM TRANSUNION TO REMOVE INCORRECTSPELT NAME OF XXXX XXXX AND INQIURY BY XXXX ON XXXX/XXXX/2015, THAT WAS NOT AUTHORIZED BY ME.
Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. 

Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. 

I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. 

I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. 

I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. 

Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.
I do not have the loan from Chase mortgage company anymore. I owe nothing on the account and they are report negative payment. They sold my loan to another mortgage company XXXX
In XX/XX/XXXX I XXXX  to XXXX. During that month i contacted AAFES about a XXXX XXXX credit card that i have with them. As part of their XXXX  benefits, no payments on the card are required from the date that i XXXX until i return to my home station ( XX/XX/XXXX ). I noticed that although these benefits were applied to my account, i was still receiving past due notifications on my monthly statements. When i called customer service i was ensured that the issue was resolved. I was also told that this would not report negatively to the credit bureaus due to my enrollment in the XXXX  benefit. In XX/XX/XXXX i received a notification from XXXX  that this account had in fact reported as 30 days late. I submitted a dispute and the issue was resolved. Two weeks later it was updated again as 30 days late. As this was happening my XXXX   credit file was reported as 30 days late in XX/XX/XXXX. I have spoke to numerous individuals over the phone and the Disuputes center at AAFES but every time the issue is " fixed '', it just reappears or reports late during another month. I submitted another dispute through XXXX  and this time it came back saying that the information has been validated as accurate. I have emails from AAFES stating that the account was not deliquient in XX/XX/XXXX as well as XX/XX/XXXX. Yes even with these emails, they can not seem to properly report this information to the credit bureaus.
All four credit cards I have with CitiBank were abruptly closed. I attempted to contact customer service regarding this issue, however, no one would provide me with any information as to why they were closed down. I then contacted the Office of the President, as well as the executive office via email, in an attempt to retrieve information regarding what had happened. However, I did not receive a response from any of the people or the departments that I had contacted. Today, XX/XX/XXXX, I received a letter in the mail stating that all of my credit cards were permanently closed due to " misrepresenting the details on one or more of your billing disputes. '' No further details were provided. I am not aware of what billing dispute CitiBank is referring to, nor am I aware of any misrepresented details submitted on a billing dispute. Since CitiBank 's customer service representatives refuse to provide me with any information and upper management will not respond to my inquiries, I am unable to figure out what has happened, why it has happened, and/or if I can appeal the decision CitiBank has made to close my accounts. I have been doing business with CitiBank since XX/XX/XXXX ( my first credit card account was with CitiBank ) and I would like to continue doing so. I am hoping to have this issue sorted out and my accounts restored. Thank you.
I use a service called activehour which requires regular transaction updates on my account, many time Bank of American has failed to send those updates or have been sending them late.