WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XXXX XXXX Induction Range in XXXX. Upon delivery, I discovered that the range top, the glass surface, is not flat, it is bowed in the center from front to back. Sears several weeks later brought a replacement range, but that replacement had the same issue & I refused it. I wrote XXXX letters to Sears : the first to the CEO, and received a reply simply saying " ... thanks for telling us of your problems ... '' but not addressing the issue ; the second, to Sears CITI Credit Card ( on which I charged the range, saying that I did n't think I should have to pay interest charges until the issue was resolved ). I received no response. I then called CITI Bank to discuss the issues - since they issued the Sears CITI Bank MasterCard. They said they could n't help, that I 'd have to talk to Sears. I told them Sears was worthless. The store manager said he 'd give me a financial discount ( I told him I did n't want that, I wanted a range that was properly built and did n't have warped top ). He promised to return phone calls after checking on things several times ; he never called. After XXXX letters and maybe XXXX phone calls, somebody FINALLY told me of a Sears problem resolution center which I contacted. on XXXX/XXXX/15, a technician looked at the range, my level on the top of the range and my pictures of pans, w/ several ounces of water running to the exterior sides of the pans, and he agreed that the range top was defective ; he said he 'd order a replacement top. On XXXX, somebody from Sears called me to tell me they had to change the replacement date schedule for the top. I NEVER was told there was a scheduled date for replacement ; during and after the technician 's visit, I was never given a date for service. I called CITI Card tonight, and they repeatedly told me that they could n't help me, that I had to call Sears. SEARS has been worthless in helping w/ this issue. CITI CARD Services issued this card, via Sears, but they are UNWILLING to stand behind it! I will NEVER do business with EITER, EVER AGAIN! I want them put out of business! I simply want a XXXX XXXX Induction Range with a flat surface ; this is what I expected, paid for and expected. If they can provide it, they must do so - immediately ; if they ca n't, then they must remove the defective product they sold me, cancel ALL charges related to it, provide me just compensation and move my previous electrical range back up from my basement to my kitchen, reconnect it and do so w/o damaging it. This - IS NOT COMPLICATED!
getting multiple calls a day from XXXX. Claims to be Target credit card debt collection, but asks for my bank account number. They are relentless in calling and online it seems that tons of people are being called as well. I am worried someone naive may give them their information.
I 'm filing this complaint against Transunion because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate it!
this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop
On XXXX/XXXX/XXXX, I received a telephone call on my personal cell from a debt collector identified as Transworld System Collection Agency in reference to an allege debt I had with my health insurance company. When I attempted to gather additional information about the alleged debt, they refused to provide any further details claiming that it was the only information they had. I managed to gather some additional info from the insurance co, and the amount of the alleged debt which was {$440.00} according to them. I also obtained info on the alleged day the transaction took place which was on XXXX/XXXX/XXXX but could not gather any further info as to the provider and the type of service I allegedly received. The person that contacted me was interested in the collection per se and not in providing me details to resolve any misunderstanding. In addition, he recited to me verbatim my full social security number after I confirmed my last XXXX, my full name, DOB, and other personal information which they should not have obtained legally. My complaint relies on the fact that I was able to pursue information from the alleged health insurance company in XXXX XXXX, XXXX. The transaction they claimed I owe ca n't be possible since according to the health insurance co, I deactivated my insurance on that same day due to a relocation. The insurance co, verified their records which yielded negative as to any pending charges or attempt to collect a debt. The insurance co, ( XXXX ) took notes n my concerns and asked me to send a formal write up to be placed on the record. XXXX is a scam. I vehemently, stated to them that I would proceed no further with the conversation until I obtained further information based on my consumer rights. The person on the phone was very persistent and utilized intimidating l am a federal employee and a victim of identity theft when XXXX records were stolen in XXXX. As a result, my personal information has been all over the internet and used by unauthorized websites without my knowledge or consent. I have evidence of such instances as well. I request prove of the alleged pending debt and validation that I made it. The fact that they had my whole personal information does not states the transaction was made by me and is valid. The account number they provided to me for this matter is XXXX and their phone # is XXXX. The number they called me from showed is registered to XXXX, Florida.
yes i am a XXXX Veteran and was seen for XXXX XXXX  problems at XXXX XXXXXXXX XXXX XXXX in XXXX Utah after receiving help i stayed in constant communication with there billing Department to make sure the bill was taken care of witch it was, ,today i checked my credit score it had dropped 100 points due to a collection that was incurred during my stay from a physician that at sometime i had seen i had no idea that i owed any body anything when i contacted XXXX XXXX billing they simply stated that i had signed something i explained that i was provided a ride for a local police dept and that i could barley remember anything and that i was under a great deal of stress at the time this certainly seems as unfair billing practices
I am the XXXX for XXXX. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in XXXX XXXX, XXXX. This property is located at XXXX XXXX XXXX, XXXX NC XXXX. I wrote U.S. Bank Home Mortgage regarding this property on XXXX XXXX, XXXX. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to XXXX XXXX XXXX. The XXXX dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until XXXX XXXX, XXXX to pay the XXXX dues/assessments without a late charge. They have not paid that amount, nor have they paid the XXXX dues/assessments that was due by XXXX XXXX, XXXX.
i have a loan servicing company NAVIENT who bought our or service for XXXX XXXX on my credit showing negative. When my loan was in good standing wiith XXXX XXXX.I am on XXXX and going back to school but to my knowledge my loan with XXXX XXXX was in forbarrance. I made my last XXXX payments with XXXX XXXX before Navient bought them. WHen I spoke to Navient that said, that issue is with XXXX XXXX not us. So I said well if you are taking over XXXX XXXX debt you taking everything with you, including any arrangements consumers had with the prior loan company. I feel that once I go back to work or any work in the future is doomed because its showing negative on my credit report.
Check dated XX/XX/XXXX was cashed on XX/XX/XXXX, and NSF Fee assessed XX/XX/XXXX. Check was dated XX/XX/XXXX in anticipation of direct deposit on that date, but issued as a courtesy to a service provider who is on site only once per week. Contacted bank today XX/XX/XXXX to secure explanation. Was informed that a check may be cashed when presented, no matter the date. Was told, " that date is only for your records ; it is meaningless to the bank. '' When I asked why I had been unable to cash a similarly post-dated payroll check in the past at their bank, I was informed that " the law is different for personal checks than it is for business checks. '' My inability to cash a post-dated check in the past was the basis for me to present the check to my service provider in advance of the actual date on the check. Now I feel my bank is not dealing with me equitably, or perhaps even legally, because their response does not seem to conform to the information I found on Consumerfinance.gov. When I asked them to waive the fee under the circumstances, they refused, but agreed to reimburse half.
In early XXXX I called FedLoan Servicing to get switched to Income Based repayment. They said they would send me forms and I never received them. I then called in late XXXX and they told me to complete the process online. I then completed the process online. On XX/XX/XXXX, I got an email from them saying they were missing documentation of my payment history. On XX/XX/XXXX I emailed them back after I verified the document they claim was missing was part of my upload package. I never received an email back. On XX/XX/XXXX I then received an email saying my recertification would not be processed until XX/XX/XXXX but, I had not applied for recertification, I had applied to be put in the IBR program. Currently my loans are delinquent because I can not afford the " standard '' repayment. The servicer has not responded to any of the emails I sent and are unhelpful when I try to contact them in any other fashion. I applied to be put on IBR jointly with my wife 's and we are both having this issue.
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX
CNAC is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a 2010 vehicle for fifteen thousand. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
I am a XXXX, and my crediti card was used by a former employee to pay his own bills. I have been fighting with XXXX XXXX XXXX since XX/XX/2016 about this. I have filed a Friendly Fraud Report with my local Police Dept. The CC Company will do nothing about it, even after providing them with numerous copies of paperwork.
On XXXX XXXX, 2015, I received a cold call from a XXXX based travel company. They pressure sold me a vacation package. The call lasted at least an hour. I asked them to provide me with written terms of the offer that I would consider and consistently told them I would not consider anything without written terms. They relented and wore me down. Eventually, I got into the mindset that I could give verbal authorization to charge my American Express card and then cancel once I saw the written terms. 
The next day I contacted the company to cancel & they said that I could n't until I signed forms authorizing them to charge my credit card. I contacted American Express to dispute the charge. 
American Express opened and closed the dispute process 3 times. During this 5 month period, it has been the worst customer service I have ever received from a company. Each dispute process was the same. They opened it and sent me emails saying they had " important information '' for me, with a link to view this information, which took me to their website, which I had to log onto, which did not have a " message center '' to view the information. I called them to ask for an email address to forward emails from the company I was disputing the charge from. They said I had to upload documents to their " message center ''. A customer service rep walked me through the ridiculously convoluted process of uploading a screenshot of an email to the message center. To this day, I have no idea whether American Express saw this or considered it in my disputes. 
The communication consisted of me calling every once in a while to find out what was going on with the investigation & being told the investigation was closed. When I asked whether they considered the information I uploaded they could n't tell me. When I asked to speak to a supervisor, they put me on hold, then said one would call me back. This happened several times without me ever receiving a call back from a supervisor. 
In the end, it was like doing business with a computer, with the added hassle of having to talk to uninformed people with an attitude. Although the company I attempted to dispute is still requiring me to sign forms acknowledging that I am the authorized card holder and that I gave them permission to charge the card over the phone, in order to " activate '' the vacation package I " purchased '' that day, American Express apparently can not do anything for me. They have no will to help their customers who are victims of pressure sales.
I bought a new suv and XXXX XXXX XXXX which they failed to disclose they stopped reporting years ago an the company they have my loan with which they own PFS has been licensed in the state of Florida. XXXX XXXX has been sued before for fraud and I am filing federal charges for fraud as well. 
This company is frauding hundreds of consumers from coast to coast knowing they dont have to report but not disclosing that during loan signature
XXXX XXXX ( now a part of Huntington bank ) is still contacting me as of XX/XX/XXXX. The balance was paid in full on XX/XX/XXXX. The transaction posted to my account on the following business day ( Please refer to the XXXX XXXX XXXX  statement attached ). I 've also written several stamped letters and sent three certified documents. XXXX XXXX ( Now part of Huntington National Bank ) continued to call me to collect a debt even after I submitted proof of payment on numerous occasions. XXXX XXXX took it a step further and closed/charged off the account/reported me to the Credit Reporting Agencies and continued to call me even after the payment was received which is against The Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. 

One small transaction shouldnt lead to multiple {$35.00} fees. The original transaction was only XXXX and there was money in the account at the time of purchase. I was never alerted about the overdraft charges and the account continued to show a positive balance for weeks. XXXX XXXX deceptively waited to draft the money from my account at a later date which resulted in overdraft fees. 

We had completely forgotten about the XXXX because we rarely used the account. I had spoken with several individuals at the branch and over the phone to make a payment before XXXX XXXX illegally closed/charged off my account. By law, If I send you a letter stating that I dont owe any or all of the money, or asking for verification of the debt, you must stop contacting me. I 've sent numerous letters within 30 days after receiving each notice and the original receipt of payment to each department but XXXX XXXX ( Now part of Huntington National Bank ) continues to call/write me about an a debt that does n't exist )
I was charged Private Mortgage Insurance ( PMI ) for 112 months even though my Loan to Value ( LTV ) was less than % 80 at the time of purchase ; which means I had already reached the required minimum so PMI should of never been charged. I purchased the property XX/XX/XXXX and the PMI ended on XX/XX/XXXX. The monthly PMI was {$160.00} and the interest rate was % XXXX. I sent multiple letters over the past decade asking the bank to remove the PMI and was denied. I am attaching proof of the value of the home at time of purchase, PMI denial letters, promissary note ( amount borowered ) and statements showing PMI charges. The amount borrowed was {$410000.00} and the value was {$540000.00} at the time of purchase. I have uploaded multiple attachments but not all seemed to have been added. Please let me know if additional information is needed.
My card was stolen and I filed the complaint with American Express and they have not refunded the money I lost during the event nor made any additional contact with me
I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.
I contacted the collection agency and advised that I have never had XXXX XXXX and that I was a victim of id theft. I advised I never lived in south Carolina and they refused to give me a letter stating that the collection was fraud. And that it was a false account.
XX/XX/2017 I purchased Items from XXXX, as Returns.  XXXX monitors or states that they monitor lots they sell, and theres a small expected % of possible salvage items. The order contained well over HALF of the items found to be scratched, cracked, broken, and worse. XXXX I believe is WELL AWARE that they add a HIGH % of salvage items in to lots that are listed as RETURNS in order for XXXX  and their sellers to make a higher profit, this in turn ruins Small Businesses like myself when they lie and cheat and deceive the little guy. 

Paypal I filed the dispute. I spoke with a number of Paypal associates who did not seem to really understand common english, after I attempted over a DOZEN times to submit proof, evidence since XXXX, and attempted via Email to Paypal as well in regards to the Error I still receive even to this date when trying to view the Case, Submit documents, etc. 

Example Error on Paypal site : Sorry your last action could not be completed If you were making a purchase or sending money, we recommend that you check both your PayPal account and your email for a transaction confirmation after 30 minutes. 

If you came to this page from another website, please return to that site ( don't use your browser 's Back button ) and restart your activity.

If you came from PayPal 's website, click the PayPal logo in the  upper-left corner to return to our home page and restart your activity. You might have to log in again. 

Continuing .... 

I made well beyond a good faith effort, and then some with Paypal on this issue, and the Report of the items. I will not be paying the {$460.00} period since I was not able to perform any actions in regards to the case due to Paypals poor Resolution process and defective website as clearly stated above. 

Also in defense of the order that I will not be paying the {$460.00} is that the purchase was allowed at the time of purchase 6 months No Payments 0 % interest, and at the Denial of the resolution Paypal refused to honor their own advertised 0 % No Payments.

The items received from XXXX were considered 'SALVAGED ' & sold to me as 'RETURNS ' which is clearly false advertisement. XXXX has done this before and gotten away with it, and its time that they be found responsible for falsely selling their Liquidated items. A quick look at my XXXX account can verify the items defective percentage. 

Paypal needs to Fix their stuff, you can not expect the Customer to fulfill requirements and such if your stuff is broken.

I expect to hear from the Corporate Office immediately in regards to this, and in regards to the sale from XXXX which Paypal should have honored the customer and protected me from their poor business practices.
Since some XXXX put these chip readers in. Several stores readers using CREDIT CARDS refuse to process the cards without a pin number. If I use my pin then the XXXX at huntington charge me extra fee as a XXXX card when I plainly hit CREDIT on the terminal. This SCAM is no longer acceptable.
I used myXXXX Gift card at a gas station to get gas. It was declined twice. It had {$82.00} on it. I tried to use it later at XXXX, it was declined, with a {$0.00} balance. I called customer service to find out where was the money. They told me it wouldnt be returned until the XXXX of XXXX. I have to wait 9 days. The rules on internet said money would be returned in XXXX days if you make a mistake and swipe the card at the gas pump. 9 days is a long time. I paid {$5.00} for the card. I should have access to the money that i put on it. I feel this is a scam by XXXX. There are XXXX of complaints on the XXXX complaint page that are just like mine. This bank is robbing people. We need justice. Please help. Thankyou.