WillisBack/dataset-financial-user-claim huggingface dataset:
I used my american express credit card to pay for a bus ticket on XXXX XXXX XXXX. The bus service provider did not provide the bus service and I could not make my trip. When contacted the bus service provider ( merchant ) refused to refund the amount paid. They offered to give me a " voucher '' for half the amount of what I paid. That voucher had lot of restrictions and could only be used for some very high priced tickets and was essentially of no value and I refused. I contacted American Express to dispute the charge. America Express agents repeated failed to file the dispute correctly and kept filing the dispute under different categories randomly. American Express keeps resolving the dispute in merchant 's favor and keeps asking me to contact the merchant directly. I called and spoke to an American Express Supervisor today ( XXXX/XXXX/XXXX ). Her name was XXXX ( Id XXXX location XXXX NC ) and she again asked me to deal directly with the merchant. She conferenced me with the merchant and on explanation of the whole issue the merchant asked me to send them the details in mail ( which I have already done once ) and refused to say that they will issue a refund once done. Even after hearing all this, American Express insists that I deal with the merchant. I understand that a customer has a right to dispute when he/she has n't received the promised service. American Express keeps sending me the copies of the tickets sent by merchant. I never disputed the fact that I bought the tickets. What I am disputing is that the merchant did not provide the bus service. Today in our call, XXXX kept insisting that the merchant is not responsible for delays. I have told them that my case is not of delays. In my case, the merchant did not provide the bus service at all. They also say that the ticket was no refundable. I did not ask for a refund because of change in my plans or anything like that. The merchant can not not provide the service that I paid for and was willing to use ( also put a lot of effort to use ) and then say that it was non refundable. The bus broke down less than 5 minutes after departure. The driver lied to everyone and kept every one waiting and no replacement bus was provided. Inspite of my many attempts, the merchant has not answered this question and inspite of that Amercian Express keeps finding in their favor. I lost the money that I used to pay for the tickets and also lost my vacation time because I could not make my trip. I ask that American Express respect my right to dispute in case of services not received and raise the specific questions that have asked in my complaint with the merchant and answer those specific rather then just keep sending me the copies of the tickets I bought and blindly siding with the merchant without providing any reasonable explanation. 
This is a simple case of me not receiving the service I paid for. 
thanks
I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with XXXX, XXXX XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Navient ; multiple times : they 've recently reorganized their website so that I can no longe r split loan ( s ) into different billing groups. Previously, by doing this, I could easily and through self-service pay my base loan amounts, and then select one ( by virtue of billing group ) to pay extra on. When I do n't split it into billing groups, it is difficult to ascribe overpayment to one loan without potentially underpaying another and going into default on one o r more other loans by accident. I use the overpayment to attempt to pay down my debt by focusing on higher interest / lower balance loans. Since the changes, they can no longer do this ( according to service ) and I must call. When I do, I am frequently on hold for double-digit minutes, I get representatives who disconnect the call ( note : I try to be pleasant ), I get representatives who want to transfer me, I get representatives who wish to charge me for taking a payment over the phone even though there is no effective way to parse out a payment toward an individual loan within a group. I believe they introduce these confusions to maximize the amount of interest that I pay and minimize the chances I can garner effective assistance with my issue.
on XXXX XXXX XXXX in XXXX sent a check and payoff letter to Citi bank. The payoff letter contained my Name, address, and account number. On XXXX Citi bank deposited the check but never applied it to my credit card. A month goes by and I got a late fee, so I go to XXXX XXXX and we do a XXXX way call and XXXX had XXXX XXXX send in a research request. A month later they said that we needed to ask for another request, which we faxed in, they also claimed that there was no letter with the check. Per XXXX XXXX policy they have to send a letter, and they gave me a copy of the letter that was sent. Then XXXX weeks ago we did another XXXX way call and they said they were in process of taking care of. Now in XXXX it has been submitted to collections. The bank could not reissue the check since XXXX deposited and already received the funds. As of right now XXXX has stole my money.
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I purchased the XXXX XXXX XXXX from XXXX back in XXXX XXXX, 2015. I received a bill XXXX XXXX, 2015, for the amount of {$240.00}, which was paid in full right after purchasing the phone in full payment. Coming to realize that, XXXX has put a {$530.00} credit debt on my credit which does not belong since everything was paid off.
I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks
Conserve XX/XX/2018 Account placed for XXXX in collections from original creditor XXXX University on XX/XX/2018. I have spoken with representatives from both XXXX and Conserve and disputed the charges. 
I was in a XXXX program where supervision is supposed to be given to us even as an online university. I was unable to receive adequate supervision for my program and I had to pay out of pocket which was not in the original contract upon attending the university. I experienced unethical events with the approved staff from this university and unfortunately had to transfer school because I could not continue the program with supervision for the XXXX program track. I completed my required courses and the rest of my student loan was returned. I don't find what I owe a balance for. On top of the tuition increase in the middle of a semester with no prior knowledge in also unethical and unprofessional for current students. 
I have an ongoing investigation with my federal student loans to reverse the loans entirely and sue the school and I don't feel I owe this debt either.
My mortgage company, Carrington Mortgage Services, is threatening to foreclose on my home. They have lost a payment that has cleared my bank. I have worked very hard to bring my account current. They are also adversely affecting my credit rating
Repeated phone calls ( every single day ) using XXXX and ( numerous other of their company phone numbers ). I looked up each of their numbers and they all come from the same company & gt ; Diversified Consultants & lt ;. This has been going on for months now.
I requested to have this secured credit card account closed back in XXXX of XXXX. According to XXXX XXXX XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
I completed my whole lease agreement with every payment on time and gave notice 60 days before my lease expired. I do not know this agency anything and feel this is a scam. I called the original complex and they have a whole new staff with no data at all. Please help assist me. This is not right or fair when I did what was called on me to do.
Automobile Acceptance Corporation placed my car out for repossession for insurance, not payments. They will not work with me in any way shape or form. They 've issued me a refund during these negotiations and continue to contact my place of employment even though I 've asked them not to do so in writing and verbally. The third party arbitrator has never returned my calls and not they are threatening to file a concealment warrant against me.
I was contacted by a company calling itself XXXX XXXX XXXX about a debt from a repossessed vehicle XX/XX/XXXX, almost XXXX years ago. The original loan was through Huntington Bank. They even called my parents home which I have n't lived at since XX/XX/XXXX. I was told they were taking legal action against me if I did n't clear the debt immediately. She then tried to get a credit card number from me. I asked for the business address which she refused to give me, then she hung up the phone. The caller id from the call was XXXX. When you call that number it rings then just hangs up. The number that was left on my answering machine was XXXX XXXX XXXX XXXX. Someone answers that number with a simple " hello how can i help you? '' A search of the internet for " XXXX XXXX XXXX '' yields no results.
My sister called in to talked to them without my permission and they never verified she was me or anything and talked to her without my permission. They violated my rights as a consumer
I went through a modification for my mortgage with Chase. I was probably XXXX behind in mortgage payments. They put me on a trial plan and then approved my modification. I was rushed into signing and returning the docs to Chase. We were also fearful of losing our home to foreclosure. I only owed 23 years on my existing mortgage. They raised my payment by $ XXXX monthly and increased the term of my loan to 40 YEARS. I feel that they have defrauded me and I am now running behind again and facing the risk of losing my home to foreclosure. They have just taken advantage of us during a difficult time.
XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.
I have a XXXX XXXX XXXX financed with XXXX XXXX XXXX. I applied for a two month deferment for the months of XXXX and XXXX XXXX. The deferment was approved for those two months and the payments were added to the end of the loan. However, my credit report was not updated to reflect the deferred payments. XXXX are currently reporting Inaccurate information to XXXX, XXXX and XXXX. They are reporting XXXX and XXXX XXXX as 60 days late. Those two months were approve for deferment. 
I applied again for another two month deferment for the months of XXXX and XXXX XXXX. I was approve for that two month deferment. XXXX XXXX is reporting Inaccurately to XXXX, XXXX and XXXX they are reporting my account 60 days late for XXXX and XXXX XXXX. My credit report XXXX, XXXX and XXXX has not been updated to reflected those months of deferments. I want these 60 days lates removed from all three of my credit reports. My account became current due to the deferments that I was approved for. XXXX and XXXX XXXX XXXX and XXXX XXXX. Inaccurately reporting these months 60 days late and need to be updated as current for the deferment time. Delete this negative reporting from my XXXX, XXXX and XXXX.
On  XXXX   XXXX ,   XXXX   a collections hit my credit report  XXXX  and  XXXX  for {$500.00}.   Once I received the notification I contacted the debt collector Midwest Recovery Systems for   XXXX   XXXX   XXXX   XXXX   XXXX  . I call ed MRS and s poke to a representative to get written verification that the debt belongs to me. I wanted something with a signature that I actually received and applied for the loan. They were able to send me this information instead they sent me a letter from them claiming the debt was mine and provided who they purchased the debt from which they could not give me any contact phone number, the date it was supposedly deposited in my account, the date the loan was taken out.   .With that information I did more research.I called  XXXX   XXXX   XXXX   XXXX   to p rovide the written verification. I called  XXXX  phone numbers I found on  XXXX  which were known working finally found a cell phone number for  XXXX   XXXX . Asked him to provide the written information and he could n't. He just gave me the same informati on MRS provided.   XXXX  then sent me a text stating to offer MRS {$100.00} to settle the account but that is not the action I want I want this collections removed from my credit report. He then stated do not tell them he told me this but they brought the account for pennies on a dollar and they would settle. I then proceeded to pull my bank statements from  XXXX  -  XXXX  to find where the funds were deposited into my account. I found no proof. I tried to contact  XXXX   XXXX   XXXX   XXXX   XXXX  and they no longer exist this company was out of  XXXX . All I am asking is for them to provide written proof and if they ca n't remove the collections from my credit report. I am uncomfortable sending banks statements to provide the proof that I never received the funds. If I need to do so please let me know.
After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.
This concerns a load from SoFi. I filed out all needed paperwork and send all required documents. On XX/XX/XXXX I received an e-mail saying " congratulations your load has been approved please login and sign your paperwork. ( I have attached that e-mail ) logged in from my phone and tried to sign but only got a blank screen and was kicked off. Called rep the next day was told to use my home computer same issue. Called rep next day he reset and told me to be sure I was using Google Chrome, delete my history and cookies did all those and the same thing. Called rep the next day she stated it was something wrong on there software she would send it to me via e-mail and she would call me back. After 3 days no phone call no e-mail called rep again he apologized and said he would send me an e-mail and if I did not get in within a couple of days call back and he could send XXXX. After a couple days no e-mail so I called back rep stated that as of that week they no longer send XXXX put she would talk to her manager and call me back. No phone call but I got an e-mail stating that my loan was denied and should try XXXX for a loan. I called a manger and got no help she just said she was sorry and there was nothing she could do.
I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 

I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XXXX " US DEPT OF ED / XXXX  '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 

Experian has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding. 
I am presented for more than a year the original documents of the company involved in the problem where it says explicitly that I have no debts and that my account was paid in full, and that I have no debt.
On XXXX XXXX, XXXX, I received a letter from Citimortgage stating that they would no longer be servicing my mortgage, effective XXXX XXXX, XXXX. The letter is dated XXXX XXXX. I am aware that banks are entitled to change mortgage servicer, however I thought they were supposed to give 30 days notice.
I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible abuse from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted XXXX to start repaying a 20 year loan. XXXX, instead of helping me they reported that I was 90 days late to TRANSUNION AND XXXX agencys PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove XXXX  NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that XXXX has class action law suites against them and would like any advice
In XXXX of 2015 my ex girlfriend stole someone 's checks and cashed them in our joint account. I contacted the bank and asked that they remove me from the account and they said that she must be present for them to remove her. This was impossible to do as I was to have no further contact with her. I filed a claim with the New Jersey Consumer Affairs Division and they referred me to the New Jersey Department of Banking. The did nothing to resolve my issue in removing me from the bank account. The bank has now put me in collections for the total amount due and I do not owe this she was the one who stole the checks and cashed them. If they would pull the security footage from the ATM Machine that she used it will show her doing it. I have copies of the checks and it is her handwriting on them. At the time I was away from my home and did not have anything to do with this.
I have paid all my bills all my life on time and this company has badgered me without disclosing what the debt was for or the account number. They have placed a large lien on my credit without an account number or any notion on why I would owe but from google look to collect for phone companies and have more than 300 complaints for similar issues
XX/XX/2018 XXXX XXXX Recurring Payment of {$80.00} dollars for a year on the XXXX of each month I called XXXX XXXX 7 times to try and get in contact with a supervisor because my payment was being regarded as late because Heartland told me my credit card was failing and to contact my bank. I called XXXX twice and they let me know the problem is on their end. 

I still can't get in touch with a supervisor and they can't credit or freeze my account to eliminate the late payment according to 3 different CSR 's. I do not know what to do
Pulled my credit report and disputed with all 3 credit reporting agencies a collection debt from CBE fir XXXX XXXX XXXX in the amount of {$160.00}. Ive paid XXXX XXXX a deposit of {$200.00} plus dollars and an insurance premium. As a consumer I have the right to cancel and shop cheaper auto insurance rates and change auto insurance if Im unhappy with company yet theyve sold my information to a debt collector this is illegal!
On my Trans Union credit report it shows a bankrupcy Chapter XXXX Dismissed Reference number-XXXX, I was going to file but never did the attorney I had at the time sent in the papers. XXXX XXXX was my attorney she should have not sent in the papers. As you can see it was filed on XXXX/XXXX/2008 and dismissed the day after XXXX/XXXX/2008. It has been 8 yrs this should not be on my report never went to court never did a bankrupcy proceding or anything.
I had XXXX XX/XX/2016. I believe I lost my wallet either on the day of at the hospital or later when I was unable to take care of myself. I did n't realize it was missing untill around XX/XX/XXXX or XX/XX/XXXX. I called the police and notified my bank. Bank of America had already frozen my accounts. I filed a claim with I 'd theft.gov got my credit report and followed appropriate steps to prove that my cards were stolen. I even wrote down the location of the arms so police could see whoever was responsible on camera. The bank of america risk management was beyond rude closed my accounts for no reason other than they told me it looked like the same person using the atm that had used it prior to date my card had been taken. That is a complete and otter lie on their part. My card and checks were used out of state even. Just having XXXX no way I could have done all these transactions. I prepared all this documentation mailed it to an address they provided me only for them to tell me they found it best to consider the charges mine and close my account. I am XXXX and have no way of paying all the charges of someone who stole my identity. Now I feel as if I have been victimized by the person who took my wallet and bank of america. No protection from them at all when that is exactly what theg claim. XXXX XXXX
SLS has repeatedly miss-applied funds that were to be applied against the principal. The result is a falsely inflated balance that SLS uses to calculate the amount of interest owed. SLS is charging more interest than allowed by the original loan documents.