WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint Against- Ally Financial ( Auto ) XXXX. XXXX XXXX XXXX, MN. XXXX XXXX Account # XXXX Complaint- Excessive charges not explained I co-Signed for a car loan for my son a little more than two years ago. My son got behind on the payments and the car got reposed. This happened on XX/XX/2018. I immediately paid the amount due of {$1500.00} plus a XXXX XXXX fee that night. The breakdown was as follows : Past due payments- ( XXXX and 3 of XXXX ) = {$1000.00} Late charges = {$77.00} Expenses ( retaking and holding the vehicle= {$400.00} XXXX XXXX fee- {$9.00} We had made plans to pick up the car the next day at XXXX XXXX XXXX  in XXXX Texas. No one informed us that they are closed for auctions on Thursday afternoon. We had to wait until the very next day, which we did in the pouring rain. When I got there, I asked what their fees where and I had my credit card in my hand. They said there were not any fees ; they were taken care of by the lender. I wanted a clean slate, since I was taking over the payments. 
The next payment was due on the XXXX which I could not make because the paper work was still in the recovery peoples hands. I had to wait until the paperwork was transferred before I could make another payment. At that time it would be late. When I finally got to do so on XX/XX/2018 ; they told me there was a balance still due of another {$220.00}. I asked for a breakdown of the charges, I was told that a supervisor will need to get that for me. I was given a case # XXXX and her ID # XXXX. She told me I would get a call back in 24-48 hours. I made the payment online and sent a message via the site that I need a call back with the information on the additional charges. I never got any call back. I tried a few weeks later to get someone to send me the charges in writing. I was transferred from the customer service people to the recovery department. Besides from being rude they told me that the charges where for transport fees since they had to move the vehicle. I told them I picked it up as soon as possible and the vehicle was never moved from where they originally towed it to. I asked them to put these fees in the back of the note until they can explain what they were for in writing. They said they were but they show up as past due on the site. Everything they told me was a lie. Apparently its not illegal to lie to people just inmoral. 
I believe we are entitled to an explanation of excessive fees before we are liable and forced to pay them. I do not believe they are NOT an honest company. I highly recommend anyone NOT to do business with these substandard lenders. I wanted nothing more than to start off with a clean slate. They make sure that this will not happened! The American public needs to do a class action lawsuit against these types of rip off companies taking advantage of people! 

Please help us- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
XXXX has been non-compliant with removing the unverified account AMERICAN CREDIT ACCE which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that AMERICAN CREDIT ACCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
Called Citibank in an attempt to product change to a no annual fee card, and the automated system closed my account. When prompted if I was sure if I wanted to close the account, I repeated that no, I did not, and I wanted to product change. I was eventually rerouted to a human, and got no recourse on the situation.
I am a XXXX XXXX veteran who after refinancing proceedings with Wells Fargo Bank took place, paid a XXXX County of Maryland state and county tax bill. I should note that I am a first time home owner. The bill arrived XX/XX/XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. The amount paid in full came to {$440.00}. I have an escrow account with my mortgage through Wells Fargo but my bank is XXXX XXXX  of Maryland. The amount was paid to XXXX County Maryland on XX/XX/XXXX and I have my bank statement copy for proof. Since there is no system in place to not have bills be mailed out for existing escrowed account mortgage holders, I've tried on numerous attempts to get my refund from Wells Fargo Bank ( Mortgage and Escrow Division ). I have gotten nothing but a run around and been told that the amount would be refunded. My last attempt yielded nothing after communication with a Wells Fargo Manager whom I faxed my copies of the tax bill and my bank statement to after their fax number was given to me. I have also tried contacting a XXXX XXXX XXXX ( Director of the Office of Budget and Finance for XXXX County ) concerning possible resolutions of escrow situations and bills mailed to taxpayers. It has been since XX/XX/XXXX that Wells Fargo Bank has faulted on my refund with one excuse after another. Please investigate and I will await your response to this dilemma. Thank you
Equifax and XXXX XXXX XXXX are letting thousands of dollars in XXXX XXXX XXXX XXXX bills be double billed just different prices we Equifax is wanting me to file a third dispute when after closing the first they after me calling removed one
credit report shows as a debt for {$59.00} as a XXXX debt. Ive contacted XXXX and I have no debt outstanding.
I have disputed the late payments on this XXXX/XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
ECMC has continued to file a wage attachment for a debt that was supposed to be cancelled and refunded XX/XX/XXXX. Now these collection tactics are harassment under the law. ECMC refunded me payments garnished in XX/XX/XXXX yet reactivated the garnishment, in XX/XX/XXXX so the 25 year timeline also makes this debt a violation of federal law. Further to prove my claim, they clearly stated that I withdrew from the school in under 6 weeks but the school did not refund me the money or cancel the loan properly. They further sent me a loan discharge form and stopped the collections and REFUNDED me XXXX out of the XXXX garnished. More importantly they claimed all notices mailed to me was to an old address and not the one i submitted to them in XX/XX/XXXX all this to justify this recent garnishment started in XX/XX/XXXX. But they resold the debt to another agency and started collections for a debt they know was not refunded and separation from the school, they do this all without any penalties so the harassment continues and the consumer protection laws are ignored. So, in XX/XX/XXXX and had updated current address and failed to notify properly, again proving that ECMC is attempting to collect a debt they are aware is in error and is not following proper notifications provided by the consumer protections laws. ECMC and XXXX XXXX have both illegally and unethically attempted to profit off me as the result. They have refunded XXXX % of money collected though a wage garnishment proving that they are aware of their internal errors and yet started the process all over again. I demand the cancellation of this loan by enforcing the documents to provided to CFPB, proving i separated from this school. 
I demand the release of this debt now that the time limits have expired by federal law over 20 years uncollected, in error and behind my back. I demand the wage garnishment stopped and settled for the third time in two years due to non compliance on the debt collections laws and the fact that i ( as a child ) followed the withdrawal of the school and never got a refund for the balance of the loan. Note the school was a XXXX school for a 12 month term - had no computers for us to learn on, and no books for us to keep -- so logically i properly withdrew and cancelled but full refund was due!! the paperwork was submitted to ECMC cancelling the loan but yet the garnishment is reopened as of today XX/XX/XXXX for the reason : the school is still opened, ( not an unpaid refund ) when this is totally incorrect, there is not a " XXXX XXXX school '' active or open in the state of New jersey. This is harassment, illegal and unfair causing financial hardship. Either they forward me the money paid to a school I withdrew from, they acknowledge that the lose claim due to 25 year rule for student loans and/or the cancel the loan due to refund was not paid. These companies should be ran out of business and sanctioned.
First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.
The mortgage company keep adding fees and other expenses to my escrow account, I try to figure out the reason of this fees & expenses with many calls with the mortgage company, but no reasonable reason.
In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.
I issued a certified letter to Experian on XX/XX/2018 disputing a bankruptcy that is incorrect on my credit report. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have received no response in regards to this dispute
During the years XX/XX/XXXX I purchased several Growth Savings Bonds from XXXX Federal Savings XXXX XXXX XXXX which no longer exist. I have contacted Astoria Bank which acquired XXXX about savings accounts that should have been set up after these bonds had reached their maturity dates. I have spoken to several bank personnel with no one being familiar with these growth savings bonds or any accounts set up with these funds. I have also visited the unclaimed funds website with no accounts being found for the names listed as the bond holders.
XX/XX/XXXX I retired. I invested {$200000.00} in an oil exploration firm XX/XX/XXXX. The investment went sideways due to fraud XX/XX/XXXX. XX/XX/XXXX I was in poor financial condition and started job hunting ; I was hired by the XXXX XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. XX/XX/XXXX I XXXX at work ( Workman 's Comp reduced income to XXXX ) and was out until XX/XX/XXXX. XX/XX/XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX District Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth 4 or 5 times until XX/XX/XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. XX/XX/XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. XX/XX/XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored both arbitrations attempts. XX/XX/XXXX I found out they had garnished my pay check at XXXX but also my Utah state tax return was taken. XX/XX/XXXX the tax return was a {$3200.00} ( a write off because of the oil loss ), so they have garnished approximately {$7500.00} XX/XX/XXXX.XX/XX/XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. XX/XX/XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah Commission and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed.
I have received an e-mail from a Prosper that my personal loan application was declined and stated that my XXXX score is XXXX. I called Proper and I spoke to customer service rep who confirmed my Ss and DOB and refused to informe me who have appliec on my behalf or the source of their info, she stated that it wo n't affect my credit while they have a full info on me. 

The name is Proper Marketpace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX
I could not believe what I saw when I pulled my credit report. There were these late payments below. 

XXXX Date Late XXXX XXXX, XXXX Date Late XXXX XXXX I have no idea how this could have possibly happened, I believe that I made all the payments on time and I have a XXXX balance on the accounts.
XXXX   XXXX    does not allow for automatic online payments so I had a payment amount set through my bank that was well above the minimum payment due. This has been going on since    XXXX   XXXX     . Much to my surprise I received a letter from   XXXX   XXXX    advising me that I had not been making my minimum payment and was now in arrears {$390.00}. I was shocked. I received no information from the bank. I have since been contacting them to correct this matter without any success. I have been told I am too "  XXXX  '' to use their website. I have been belittled because my "  XXXX  '' culture makes it impossible for "   XXXX   '' to understand me so she started yelling at me and hung up on me. I am trying to find a way to set up my payments so they are paid automatically and I dont end up getting assessed unreasonable fees. I believe this practice is intentional. They now claim they can increase my payment to 5 % because I failed to make the minimum payments despite that I was making the same payments every month but they never contacted me to advise me I was not meeting the minimum payments. Again 5th Third Bank does not offer online auto pay like every other bank does. I have been given incorrect information and continue to be assessed horrific fees because they will not tell me how to remedy the solution. I also think it would be respectable to advise  XXXX  that we are not welcome in your bank - its just the right thing to do. They offer no bill pay, will not promise to send you statements electronically or otherwise _  XXXX  says its all in the fine print.
i lost my home as of XX/XX/XXXX.i have hired lawyers to deal with this problem and the problem is that i was sold a predatory loan it had a 20 % pre payment penelty with it XX/XX/XXXX for 3 years when XX/XX/XXXX came i was so under water with the home and my payments went from XXXX a month to XXXX a month and the bank would not work with me.all the lawyers i had hired had failed in there job and cost me about XXXX..if the banks dident want to work with me thay just sold me to another bank and it started all over again with no outcome..there is much more to this than what i can type..the bank [ XXXX XXXX XXXX ] fordged my documents to try to forclose on me [ robo signing ] .i have proof of this from one of the lawyers i hired.and last. the bank offerd me {$4700.00} to be out of the house by XX/XX/XXXX threw a realator and she keep my money for not taking a frezer off the property ... property address is XXXX XXXX XXXX XXXX ca.XXXX
Midland Credit is calling my unlisted land line at home several times a day. I am on the National DO NOT CALL list. Midland does not leave a message on the answering machine. A few times I picked up the phone and said nothing. After a minute or two, the call disconnects. No one from Midland ever says anything. This started around XXXX/XXXX/15 and continues through today ( XXXX/XXXX/15 ). I do not owe any money or have unpaid bills. A debt collector should not be harassing me like.
I AM REQUESTING TO SEE THE CORRECT CHAIN OF TITLE ON MY PROPERTY THAT I WAS CORNERED TO SELL. I BELIEVE NATIONSTAR MORTGAGE HAD NO STANDING IN COURT WHEN THE TOOK ME TO COURT AND LIED ABOUT NOT RECEIVING PAYMENTS FROM ME. I HAVE DONE RESEARCH AND IN THE CHAIN OF TITLE TO THE PROPERTY IN CONCERN THERE IS ALSO A ROBO SIGNED DOCUMENT THAT SHOULD HAVE BEEN DISCOVERED BY NATIONSTAR MTG, XXXX XXXX XXXX AND XXXX XXXX XXXX. IT WAS REQUESTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREPARED BY XXXX XXXX AFTER RECORDED SENT TO XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SIGNED BY XXXX FOR XXXX XXXX XXXX XXXX AND NOTORIZED BY XXXX XXXX IN XXXX XXXX XXXX. PERSUANT TO XXXX XXXX XXXX or XXXX )
The alleged debt that Midland is trying to collect upon is not mine and was never opened by me. There is no original credit line that this stems from on my credit report as it was removed for being fraudulent and the original creditor ( XXXX ) was unable to verify it 's legitimacy. I have tried time and time again to try and have this collection account removed from my credit report to no success except for on XXXX where it was removed for being fraudulent and not being able to verify it 's legitimacy. Since it has been removed from XXXX it should be removed from XXXX as well as XXXX. They continue to harass me and now they are trying to take me to court over this alleged debt. This is causing me undue stress and I need it resolved as soon as possible.
Navient ga ve my parents the informaiton on my loan balance and payments made, including whether or not they were applied to principal. I called  Navient an d asked that they remove all phone numbers associated with my parents, before knowing they had disclosed this information, and stated that if I found out they had discussed my student loan information with anyone other than me, I believed they would be in violation of the Fair Debt Collection Practices Act. I have not called back since finding out they did, in fact, disclose information. I did not have any cosigners on my student loan, so they were not authorized to share any information with my parents.
Wells Fargo HELOC, my 2nd mortgage, is denying me a repayment plan or an arrears restart because I can afford the monthly payment. I had a hardship that is been resolved and now I am able to make my monthly payments and a workout is not being considered for me to get a fresh start to make my mortgage payments. My 1st Mortgage servicer has extended me a XXXX Trial period plan so I can get back on making my mortgage payments and Wells Fargo HELOC is not working with me on a mortgage workout because they say I can afford my payments, and this just does n't make sense to me. That is exactly why I need assistance because I can make my payment and they will not give me a chance to start again. I have been working on this on my own since XXXX 2016 and I reached out to a XXXX approved counseling agency soon after and am getting debt/financial management assistance and they are also helping me with dealing with these mortgage servicers. When calling Wells Fargo we get the run around, are always disconnected and not given clear instruction on how to re-submit my hardship package for another review since my 1st mortgage has extended me a trial period plan to begin XXXX/XXXX/16 and I am now over my hardship so can afford to make my mortgage payments again.