WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint or concern is that I pay nearly 30 % of my net income to my federal and private student loans. XXXX in federal direct loan. XXXX to navient private loans. XXXX to my XXXX XXXX servicing provider. I make to much $ for the PSLF to help my cause in that 10 % of my income is XXXX {$.00} After 10 years paying that much it 's paid off which is great. The problem is I hav XXXX other separate bill payments to my private lenders which in turn does financially I hav to put more money towards private student loans due to high variable interest rates. My solution would b to consolidate my private loans into XXXX payment but I do not make enough money to find a lender to finance XXXX and get interest rates and terms to help my financial situation. My interest alone on all my loans is roughly XXXX $ 10 % of my income. I will never b able to pay off student loans paying interst only nor do I make enough money to put enough $ money towards principal. I need personalized help. Mainly I need student loans companies realize that I pay XXXX different lenders and I need my loans to XXXX payment at a realistic fixed interest rate. At this rate I will pay XXXX on the initial XXXX I took out.
XXXX XXXX. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.
I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
For 10 years, any payment over the billed amount ( which is an interest only payment ) has been applied to principal. Chase Bank has stopped applying my extra payment to principal. This began when I made an interest only payment this summer. Since then they have stopped applying the funds correctly. I have spoken with customer service. The first few times, they made the corrections and apologized for the errors. Now I am getting letters notifying me that payments will be applied to outstanding interest, then outstanding principal. I can only make extra principal reduction payments in a branch or via a separate payment. Can they change payment terms on me? My loan indicates that any changes must be approved by me.
Its showing that my car payments are late on my credit report, but I have made payments through the app and scheduled payments. Its showing that my payments have been late every month.
XX/XX/XXXX- I am a victim of identity theft thru a security breach at Equifax. I learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I therefore requested XXXX XXXX to be used that it be closed immediately. I also filed a dispute with Equifax. 
XX/XX/XXXX - I received confirmation, reference number XXXX, from Equifax that the dispute has been completed. 
XX/XX/XXXX - I attempted to access the result on line per Equifax, I received an error message " The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or contact us directly to check the status of your dispute ''. I was unsuccessful to reach a live representative at Equifax. I sent a follow up letter requesting Equifax to provide the result of the investigation and action taken per Fair Credit Reporting Act.
First i called to see about doing a settlement payment agreement so we can pay off the balance. they refused to work out any deal with me that i can afford. then the agent made a threat saying they will come to my house and arrest me if i dont pay it now. i hung up after i said i will contact the consumer fianance protection. they are rude and are not willing to work with customers. I will not pay the full amount i dont have it and cant afford.
Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.
i have repeatedly via web requested for a credit report. every time i have been denied and told to call. i have called and sent requests and all are denied and will not allow me to get a copy of my my report. i am tired of it. i have answered every question and i know they have verified me cuz other credit report places have told me so and still they deny me. why?
Navient is reporting 2 loan accounts as delinquent in XXXX  of XX/XX/XXXX, when in fact I consolidated my student loans and this was paid off in XXXX of XX/XX/XXXX, This loans are listed as XXXX and opened XX/XX/XXXX also XXXX and opened XX/XX/XXXX these loans should never have been delinquent to begin with, I applied for a financial hardship and a deferment that was never processed.

I want these delinquent marks removed from all three of my credit reports.
I applied for a loan from Mobiloans and requested for the funds on two occasions. On XXXX {$500.00}, and XXXX {$260.00}, loan total {$760.00}. My first payment was scheduled on XX/XX/ on my payday, which was a XXXX. I called Mobiloans on a XXXX  afternoon ( XXXX ) to update my new bank account, which is the time that is required to make any changes before payments are taken out. When I called Mobiloans, the representative made a 3-way call with me and my bank, and confirmed my new account. The representative told me that the payments should be processed in the right account on the due date. Come XXXX, Mobiloans did not process the payment as a way to charge me more finance fees. On that same day, Mobiloans added another hefty finance fee in my account. Between XXXX  to XXXX I was charged {$200.00} for fees on my {$760.00} loan. I called the lender on 4 occasions for them to explain the fees to me ; 1st  as to why they did not process the payment ; 2nd why they charged extra fees on XX/XX/ whenthey never processed the payment. The explanation did not make sense and they were unwilling to solve the problem, even after I paid them {$750.00} on XX/XX/. All my attempts to get them to solve the problem have been unsuccessful.
Im having a severe issue with Citizens Bank. I made a deposit before XXXX and they didnt post it correctly which has resulted in them chargeing me {$170.00} in fees which my account is {$170.00} negative. So for being {$7.00} overdrawn they charged me {$170.00} in fees which is outrageous. They do all their posting at XXXX/XXXX so i have no idea my account has gone negative until the next day and have no chance to make it positive before being hit with fees. They pick and choose which transaction order they want to post to get the most for fees.
After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Went to Experion website to sign up to Freeze accounts. After completing all the information requested, received a notice that I need to mail in the information. Should be able to do all on-line. Very disappointed! 


We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security number : Date of birth : [ ] I have included a copy of a valid police report or investigative report or complaint filed with a law enforcement agency, etc. 
Experian 2018. All rights reserved. 
Experian and the marks used herein are service marks or registered trademarks of Experian. 
Other product and company names mentioned herein may be the trademarks of their respective owners.

View Experian 's Privacy Policy
On XX/XX/2019, I tried to transfer money to my friend through paypal but it always asks for a fee.I called customer service and after over 30 min of wait, the agent said you can do it now while on the phone and I can take care of the fee. After I initiated the transfer, the agent told me the fee can not be waived since it is the fee associated with XXXX XXXX XXXX. I asked to spear to the adviser, the adviser told me the same thing. I asked the manager to close my account next Wed after all my fund has been transferred from paypal to my bank. The manager told me he can do that. But after a couple of min my account was closed and I still have two pending transfers.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$1600.00} Type of Account N/A Credit Limit : Term Duration : 36 Months Terms Frequency : Single Payment Loan Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax is incorrectly reporting that Date of Major Delinquency First Report XX/XX/XXXX. 
As a result, it will be XXXX more years before this paid acct will be removed from my credit report which is unfairly, negatively impacting my credit report, credit score and ability to secure access to capital during this government shutdown! 

Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XXXX Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Educational Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX
I submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
I paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.
I was working in a temporary job and did n't have the funds to pay my student loans. So I ended up defaulting. Almost 3 years ago My XXXX XXXX private students were submitted to XXXX XXXX . I entered into a payment plan with them including paying an upfront fee of {$1000.00} to enter a reduced interest program. I was allowed to pay approx {$180.00} a month and was told after 3 months I would be reduced down to a .01 % interest rate. As I was noticing this never got fixed I began to ask questions. I finally got them to agree that it had been fixed with this month ( XXXX ) my payment was not removed and I received a default notice from Navient. They stated they did not like the terms of my agreement and the removed it from their hands and revoked my payment plan. Now they are demanding money down to start me on a new plan and tell me that I will have to pay more than the amount originally paying. I can not imagine that this is a legal move on their part. I had agreements and paid continuously and on time for 2.5 years. They are once again trying to XXXX those working to try and pay off their debts.
In 2014 I signed as a co maker for my grandson XXXX XXXX to purchase a new car through Ford Motor Credit account number XXXX. At the time of the transaction my credit rating with all three credit agencies was over XXXX and as high as XXXX. It never went below XXXX until this recent event. My grandson missed a payment but as co maker I was never notified until I discovered this on XXXX when to my suprise I found my credit score had been reduced by nearly XXXX points. I have never been notified of any problem even though I was legally obligated as a co maker. Once I became aware of the issue I called Ford and immediately paid off the loan in Full with the understanding that Ford would notify all XXXX credit agencies of their error in not notifying me of the problem and instruct them to remove any negative remark from my credit report. The loan is now paid off but my credit score only increased XXXX points and has not been restored to the XXXX plus number I have always received. I was my credit score reinstituted to what it was. I have XXXX debt and over {>= $1,000,000} in assets. There is no possible justification for this low score.
I tried to use an external App with Capital One Bank, however, every time they say they 're sending me a security code to verify my account information, I never receive it neither by text or e-mail. It is extremely inconvenient.
XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too. 
Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to work
I was notified by XXXX this morning that I had a new collection on my account. I did not recognize this debt or the biller. It was listed as a debt I originally owed to XXXX XXXX XXXX, and the collectoin agency is COMMONWEALTH FINANCIAL SYSTEMS. I called commonwealth and tried to gather information about my debt however they would not tell me anything or any information at all without me telling them my social security number. They never not once asked me for my date of birth. I reluctantly did so and proceeded to hear things that made me very angry. They stated that the debt was for my son when i rushed him to the emergency room in XX/XX/XXXX. I DONT HAVE A SON. They never gave me the exact date of the debt but they stated it was in the amount of XXXX . They also said my birthdate was XX/XX/XXXX. For the record I am XXXX years old. I then told them that this was a false debt and I am not paying it. It does not belong to me and I need them to take it off of my report. I also asked them to show me proof of this debt. They told me the only thing I can do is call the original collector and have them remove it. I reluctantly did so. When I called XXXX XXXX XXXX billing department, they did not have any debt for XXXX $ on record. Again, Commonwealth stated that this debt was for my son whom I was financially responsible for. I am furious at this company and have read many reviews online with people who suffered similar issues with this company. I would like them to be held accountable for these fraudulent debts and this to be removed from my credit history.
After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a part time job. My private loan with Citizens Bank/XXXX XXXX is 3 weeks of my paychecks for a part time job at {$9.00} an hour. That would mean I would n't be able to pay my car payment or car insurance ( along with other day to day necessities ) which in turn leaves me jobless. I am now behind and will never be able to catch up. Thus, both mine and my co-signers credit will be tarnished. 

I have called multiple times trying to work something out, even mentioning income based payment options and they have offered me nothing. They say I 've used up my deferment when I was trying to get my feet under me when I first moved to CA for work. 

I 've made a small payment, but the harassing calls will not stop they have said. 

At the end of the day I am aware that I am not the only citizen that is in this situation with college loan debt. These companies need to be more helpful.
I called the creditor and set up a payment plan. I requested that they send me information in writing showing what i owe, and what i paid. They stated they will not send anything in writing ; only a payment reminder for the next upcoming payment. Which is a month away. I stated I needed something in writing for a potential employer and they stated the employer can call them and they would discuss the information via phone, but nothing in writing. I requested it in writing before the 5 business days. 

XXXX Bank : Total Due $ XXXXAccount # : XXXXPayment Plan : {$100.00} XXXX 6 monthsI spoke with XXXX XXXX XXXX XXXX ext XXXX and today XXXX/XXXX/15 and asked to speak to his supervisor XXXX XXXX XXXX XXXX. 

Neither individual will supply with written confirmation on my debt. They payment plan that was set up, initial {$100.00} payment and {$150.00} for 6 months will go over what the total payment is. I can not get a break down summary of what I owe, and what I 've paid.
Midland Funding LLC has sued me in Louisiana Civil Court, and has violated several of the CFPB Consent Order stipulations : 1 ) They have initiated a lawsuit with a failure to provide Original Account Level Documentation reflecting purchase, payment, or other actual use of the account by the consumer. 

2 ) They have failed to provide a document signed by the consumer evidencing the opening of the account forming the basis of debt and original amount. 

3 ) They have provided a Bill of Sale that fails to reference the particular debt being collected upon. 

4 ) They have presented to a court an affidavit in which an affiant represents having personal knowledge of validity of debt when that is not the case.