WillisBack/dataset-financial-user-claim huggingface dataset:
Comenity - Gander Credit Card Never received statement in XX/XX/XXXX.
The XX/XX/XXXXstatement has a late fee of {$27.00}, which I understand, since I never received a statement so the bill was unpaid. 3 times I have not received a statement from this company and I tried to set up auto pay, but was informed that they do n't set up accounts on auto pay.
The main problem was a interest charge of {$77.00}, in addition to the late fee, on a {$220.00} balance, making my new balance {$330.00}.
The statement clearly shows the interest rate on the {$220.00} balance as 25.99 % ( which is already very high ), however if you do the math the actual interest rate incurred is 33.79 %.
This company is posting one interest rate, but charge a larger interest rate. ( I guess they are hoping people ca n't do math and will just pay the higher rate. ) I have paid off the new balance of {$330.00}, so they ca n't continue to add bogus interest fees, however I should not have been charged this amount, so I am filing this complaint.
Comenity should not be allowed to continue charging interest rates different than the amount posted on their statements, which is clearly an legal practice.
Also, there should be some type of law on the books making illegal for them to intentionally withhold customer statement in the hopes that their customer will forget to make payment, so they can charge additional fees. They do n't send electronic statements and do n't allow their customer to be set up on auto payment. This makes customers more likely to forget to make payment, allowing them to charge late fees.
Commonwealth Financial has been reporting on my credit for over 8 years- each time its a different amount different medical debt that Is not mine. I will disputes this and then random may they will take it off my credit and put it back on my credit in either the same debt that was taken off or they will report anuther amount for another company- I have repeatedly disputed this-and they continue to add debt to my credit.

Sending me bills with unknown account numbers-and now the representative that is the contact on the bottom of bill-has the name of my son-which is not common last name- and now could be identity theft.

Statue of Limitations is valid and this company is breaking the law.
On XX/XX/2018 I called my Bank CHASE to ask regarding the impact my pending transactions would have on my available balance displayed on the Bank App. I was told my pending transactions were already deducted from my account and even though the transactions show as pending they had already been debited from my balance. On XX/XX/2018 I checked my account balance on the App, to which my surprise was overdrawn. I proceeded to call the bank as I spoke to 2 different representatives and one supervisor I was given a different answer regarding pending transactions. Once you pay for services the bank takes the money out for the merchant to charge and even though the transactions show as pending If the merchant does not take the money out within 3 days the bank will put the money back into the account and the merchant is free to charge any time is convenient to them. Every time I have called including today XX/XX/2018, I have been giving different information and I was that even when is not technically my fault the bank will still charge a total of {$35.00} per transaction and the bank has only accepted to reverse one fee and will not reverse 2 more fees of {$35.00} each. The bank has charged multiple times for transactions that were charged by the merchants on the same dates XX/XX/2018. The bank representatives and supervisors I have spoken todo accept I am not at fault for these misinformation that has caused my account to be overdrawn but as I was told by the last supervisor " She couldn't do anything for me, that I should manually calculate my transaction. And that she was limited to do find a solution for this issue ''. The last supervisor I spoke to sent an email and my phone number to the previous supervisor I spoke to but she did not receive a response. I have been a customer of the bank for years and this has become a recent issue with my account which I have always kept with a good standing balance, not long ago I was also an employee at this financial institution and several customers would visit the branch to complaint about this very same situation. A lot of information is not being disclosed to the customers and money is being taken from accounts without previous warnings. 
I have also experienced not receiving cellphone alerts, delayed or no alerts whatsoever even though I have signed up for those alerts. Please help me resolve this situation. 
Best Regards, XXXX XXXX XXXX.
I have XXXX loans with american education services. XXXX with a high interes of 14 % in the amount of {$6600.00} and another XXXX with an interest rate of 8.313 % in the amount of XXXX. I have been making payment since 2011 and the amount has decrease very little. I always make my payments but it gets difficult with so many other bills.
GM Financial last reported my car payment as past due in XX/XX/2017, and in the 5 months since have not updated my credit standing to any of the bureaus. I am not past due, and am in fact making my payments early. After calling GM Financial multiple times regarding this issue, they've informed me that due to a system update in late XX/XX/XXXX they were unable to correct the problem. This has affected my credit negatively, as it a ) shows I have been past due since XX/XX/2017b ) I haven't made a payment since that time c ) I have a high debt balance as a result.

GM Financial has refused to make amends and fix their mistakes time and time again. They've reported me as past due multiple times in the past simply because they forgot to update my account once payment was received.
There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company.
Dear sir/madam, It looks like the credit bureaus have XXXX files on my name : first associated with my SSN and second associated with my business XXXX. Every time when I 'm trying to apply for credit card my application declined. I sent all proofs of my documents to all bureaus, called them but still no success. 
So i need to merge both my files to XXXX correct.
In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.
Starting in XX/XX/XXXX Wells Fargo started sending me statements in the mail for a credit card I had paid off and closed on XX/XX/XXXX. These statements showed a credit limit of {$4300.00} but I had no credit card nor any access to this account. The statement showed I owed them over {$2000.00}. And without my permission they began taking the amount of {$46.00} per month out of my checking account at a different bank. When I called them about this they gave me information to access my old credit card account online but I was unable to access this account online. I called several times to explain this account was paid off and closed and to stop but Wells Fargo never complied with my requests. I continued to let them remove the payments from my account so my credit score would not be affected.

In XX/XX/XXXX I changed banks and now Wells Fargo is demanding payment for an account that was paid off on XX/XX/XXXX and showing me as late on my credit report. What they are doing is fraud. On my credit report it shows this credit card account was opened onXX/XX/XXXX and closed on XX/XX/XXXX. I have written a letter to Wells Fargo with a copy of the credit report and letting them know I have contacted the Consumer Finance as well.
Based on the option I selected for this complaint, the 'error ' is that XXXX XXXX   XXXX XXXX XXXX ( and the 3 major bureaus ) continue to report an unverified, invalidated account without having provided original documented proof for MONTHS. I have repeatedly disputed the student loan account with XXXX XXXX XXXX XXXX and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. It is EXTREMELY DANGEROUS to my identity as a consumer for me to not know or receive original proof of a contractual agreement with a company. This opens the door to all sorts of problems. If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from XXXX XXXX XXXX XXXX or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that XXXX XXXX XXXX XXXX   provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the disputed account. If they do not have this, then I in turn demand that they DELETE the truly unverified, invalidated, inaccurate account.
First I am a retired XXXX XXXX XXXX, I am a XXXX. I have worked XXXX government. Currently I am at XXXX.My wife and I bought a XXXX financed through GM Financial.. In XXXX we requested a release letter to ship our car to XXXX. We have another car that we shipped, financed by XXXX. We shipped this car. GM refused to give us clearance authorization to ship XXXX out of country even though we have afull coverage.insurance through XXXX. GM denied our request. Currently our XXXX is in our garage at our house in XXXX. I have tried many times to get them to authorize shipping car. e are in good standing with payments, we are ahead in payments auto bank draft. Please help
Hello, My mortgage was purchased by Loan Care LLC several months ago. I have first contacted Loan Care back on XXXX/XXXX/2017 to request my PMI be removed as I have nearly 50 % equity in the home. Since they have my home only valued at {$290000.00} they have my equity listed at % 87. After spending several hours and many calls and emails I was finally given information on how to start the process for getting an appraisal to have the PMI removed. I mailed in a check with " PMI Cancellation Request Appraisal '' in the memo as directed in their letter. Loan Care has cashed my check on XXXX/XXXX/2017 and has still not contacted me. When I call they keep passing me from department to department all with conflicting information. They inform me that the decision is up to the escrow department but they refuse to let me talk with anyone in the escrow department. It is all very frustrating as their associates are rude, uniformed and do not assist in resolving the issue. I have also paid my home insurance in full and have requested for Loan Care to remove my insurance from escrow as I have provided them with documentation proving that the insurance has been paid but I do not get any response and no one will answer my questions when I call. Currently they are collecting insurance monthly to pay insurance that I have already paid. Please help!
I accidently sent a {$1000.00}. payment to Chase - XXXX that was suppose to go to XXXX. At that time there was a XXXX balance on my acct. I called and spoke to someone on XX/XX/XXXX and they gave me grief about getting back the payment and said it would take XXXX days. I called on XX/XX/XXXX to check status if it being sent out and was told they sent out only {$930.00} of the {$1000.00}. over payment since there were XXXX small charges to the account on XX/XX/XXXX. My statement does not come out till the XXXX of each month, so I had n't even received my statement for Chase for the coming month. They have refused to send me my full balance of the {$1000.00}. that was accidently sent to them.
I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.
I visited   XXXX   XXXX   XXXX   of   XXXX   Tx. I was told all services were covered under my insurance plan. I received a bill and requested the bill be resubmitted to my Ins..
I did not hear back and forgot about the matter. I am in the process to buying a home, my lender informed me i owed {$320.00} and i paid that amount to United Revenue Corp   XXXX   XXXX   XXXX   XXXX    XXXX  TX  XXXX .. I asked United Revenue to provide a Deletion letter to provide my lender that must include Account number, the amount paid, and that the debt is ok to remove from my credit report. This is a standard form and my lender assures me United Revenue is well aware of this form.
I was told they could not provide that letter, that letter comes from an out of state office, i was assured the out of state office would send this with in 10 to 15 business days.
We waited and received a letter but did not contain what was requested. My wife called and expained a second time what we need and was told the first request was deleted. but was assured United Revenue resubmit the request and we would again have to wait the 10 to 15 days. This is holding up our loan process, we paid the amount owed and feel with the attitude we receive when contacting United Revenue they feel as if to punish us in some way and will not provide what we ask. Even though we have paid the debt.
I paid off an XXXX XXXX account XX/XX/XXXX the original dedt was from XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX BAT T XXXX XXXX XXXXOpen XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. XXXX BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY XXXX : XXXX : ACCT INFO DISPUTED MEETS XXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTIR : XXXX XXXX SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.
I had a car loan for Prestige Financial. I offered to pay them XXXX to settle the balance on my car loan. They would n't agree to take it. So they picked up the car and sold it at the auction for {$4000.00}. They are now saying that I owe them more than what they are owed. They are asking to me to pay {$9500.00}. My balance should not longer be that high.
Our real estate company filed a counter offer on a HAFA short sale on XX/XX/2016. They called back to confirm the counter offer was received, here is the timeline of calls to SPS : XX/XX/XXXX sent update offer {$310000.00} XX/XX/XXXX New offer in review. sale date postponed XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX in review XX/XX/XXXX SPS states counter offer LOST NOT IN REVIEW! 
The real estate company confirmed SPS had the XXXX short sale counter offer on XX/XX/2016 which helped postpone a sale date. And then XXXX weeks later SPS lost my XXXX short sale. My major concern is because SPS has refused to stop the sale date of XX/XX/2016. So for the past XXXX weeks while I ca n't sleep at night because I have a sale date hanging over my head, SPS has been doing nothing to help me avoid a foreclosure or receive a HAFA short sale. I am furious! This is complete fraud, and/or dysfunction! And I am the one who may pay for the SPS incompetence.
There is a debt collector ( central credit services ) company calling me numerous times through a single day over a XXXX bill I owe. The amount is {$160.00}, which I have advised 2 times that I would be calling in once I have the money to pay. The next day and every day after that they have called me and left the same messages. This is harassment!
On XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in Federal Bankruptcy Court in XXXX XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

XXXX XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XX/XX/XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 

As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by BANK OF AMERICA that appears on my credit report.
Called to open dispute XX/XX/18. Called back in XX/XX/XXXX for update yo find that dispute was never opened. Was officially filed on the XXXX was was lied to about immediate credit. Waited 1 hour for supervisor who never answered. Filed complaint with XXXX XX/XX/XXXX. XXXX agent, XXXX, reached out that same day. Offered {$40.00} customer satisfaction credit, not effecting provisional credit due XX/XX/XXXX. Nothing recieved XX/XX/XXXX so i reached back out to XXXX who never returned my call. Called XXXX  and was told that it would be XX/XX/XXXX. Check amount today, XX/XX/XXXX, and still no deposit. Reached out to XXXX AGAIN with no answer and to return back XX/XX/XXXX. Representatives not giving consistent info, are very rude, supervisors never answer their phones and constantly interrupt.
I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )