WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan with Navient. I am on an Income Based Payment Plan. 

My monthly payments are {$180.00}. 

I paid my XXXX balance on XX/XX/2018. 

On XX/XX/XXXX, I check to make sure the payment was applied. But it was only applied to part of my loans and not distributed evenly as agreed upon. This caused me to have a remaining balance of {$100.00}. I called Navient and they fixed the problem BUT If I didn't check myself, I would have been behind payments at no fault of my own. 

Navient couldn't tell my why the problem occurred. And I found out this has been happening for the previous 3 months. I've been over paying my balance and Navient fixes it when its convenient for them. I am sure they are doing this to other consumers! Think about the consumers who don't check or the one who don't call Navient and continue to over pay.
In XX/XX/XXXX and XX/XX/XXXX, payment was mailed to original creditor and they returned check by mail and in XX/XX/XXXX they informed me to notify collection agency. I then mailed collection agency 3 payments totaling the full amount. Each check included pay to delete contract and memo for pay to delete if checks were cashed. Agency cashed checks and failed to delete with all three credit bureaus. Checks were held and not cashed for weeks.The agency then reported the the debt to all three bureaus which seemed ridiculous, uncaused for, and malicious. Proof of mailed checks, cashed dates, etc. attached.
XXXX of XXXX, XXXX sold me a car and after 6 weeks, the car had trouble. So, I took the car back, and XXXX gave me a loaner car. I explained to them that I could only afford a certain note amount. XXXX allowed me to keep the loaner car, but the car note doubled. Now Santander Consumer contacts me up to 7 times a day if I 'm late by a couple of weeks. Sometimes they even call me early in the morning waking me up and late at night.
I am a victim of identity theft. I wrote to this company TWICE. My first was a letter dated XX/XX/XXXX. My second letter was dated XX/XX/XXXX. On both occasions, I filled up and submitted an FTC affidavit and had them notarized and sent this company a copy of the notarized Affidavit. On those dates, I also did the same thing with XXXX and XXXX. On both occasions, BOTH XXXX AND XXXX, REMOVED THE UNAUTHORIZED, FRAUDULENT INQUIRIES I disputed. TRANSUNION REFUSED TO remove these unauthorized, fraudulent inquiries. If they did investigate, they will not ask for additional information. I sent them a letter twice and a notarized FTC Affidavit containing the list of the fraudulent inquiries and dates. They blatantly violated FCRA 605B ( 15 U.S.C. 1681c-2 ).
I reported last week that Rent recovery was reporting XXXX different accounts with the same amount. XXXX in the amount of {$3800.00} is listed twice on my XXXX and XXXX for the amount of {$3400.00} same date same amount but twice and they say this is legal and valid how? I noticed they took one off in XXXX but added it right back on which is illegal. I am attaching all the proof. I check my report every single day. I am trying really hard not to get a judge involved but it seem 's to be the only way because nothing is being done about it. I sent them a letter certified mail and they have failed to respond the letter was sent XX/XX/2016. Please investigate this company they are reporting inaccurate information and trying to collect on bogus debt and I can prove that as well because the company is no longer in business. No one has explained to me why is it on my report twice and for the same amount. I want it fixed and corrected. they removed the {$3800.00} but added it right back on twice. I ca n't wait to see them explain this to a judge. I have provided the proof they removed it and added it back on.
When requesting our annual credit reports we also will pay to receive our Credit Score at the time of the report. Experian does not properly disclose ( uses " mouse print '' ) that when you pay {$4.00} for the credit score you will be automatically enrolled in a credit score monitoring membership that the consumer is responsbile for calling within a 30 day window to cancel without charge ( {$19.00} per person/per month ). There is no acknowledgement required on behalf of the customer that you agree to this - other than indicating you want to get your credit score. I have been charged for both myself and my husband in XXXX and XXXX 2015 after pulling our initial credit reports and scores in XXXX 2015. I contacted Experian today and they canceled my " membership '' and after I mentioned I would be filing a complaint with the CFPB they were " able to refund one month of charges '' but that would be all. I work for a financial institution and I find it appalling that Experian is able to do this to consumers without requiring their confirmation/acknowledgement of accepting the service and the associated charges.
I purchased XX/XX/XXXX. XX/XX/XXXX I changed insurance companies and sent updated info to lender ( Paramount Equity Mortgage ). XX/XX/XXXX received letter stating Homeowners Insurance expired. XX/XX/XXXX called servicing 3 times for help. uploaded insurance invoice as directed. XX/XX/XXXX servicing is still has n't updated my insurance from 1 year ago and they do n't use the web site which they gave me and had walked me through to send the invoice insurance for payment. They answer the phone Paramount Equity Mortgage and then when questioned claim they are XXXX. I have had to pay my insurance to keep it from expiring. The money is being escrowed and should have been paid by the lender.
1. Chase Bank bought out another Bank and was " Updating " their computer systems due to buy out in XX/XX/XXXX. When I made my mortgage payment XX/XX/XXXX, it did NOT go through do to this. Chase bank called me to report this to me. I then made XX/XX/XXXX & XX/XX/XXXX payment. I was told by Chase this would NOT affect me in anyway. 
2. Fight thing every Year. They continued to report it as a 30 day late in XX/XX/XXXX!!! 
3. XX/XX/XXXX to the end of the month, Chase Bank changed my credit report 3 times. 
A. 30 days XX/XX/XXXX ... .. Falsly being REPORTED B. Changed it XX/XX/XXXX to 30-60 day late. 
C. Then again on XX/XX/XXXX to " XX/XX/XXXX as 30 days late ''. 
They names that have Fraudulently changed my report is " XXXX, XXXX XXXX ( supervisor ), XXXX, then XXXX XXXX ( manager in Texas ) all with Chase Mortgage & Credit Department. Refuse to remove due to their mistakes. I feel my Rights have been violated and Fraud of my credit reporting Act per Chase Bank. I am demanding it to be Removed per all the mistakes of Chase Bank. Please help!!! My Chase account number was # XXXX. 


XXXX XXXX XXXX
I spoke to Navient about my income driven repayment plan. I was told it expired in XX/XX/2018. I had just submitted an application in XX/XX/2018 and was approved. I could not understand why it was going to expire so soon. On Navients site it said to reapply on studentloans.gov. After logging on to www.studentloans.gov and finding the place where you apply for recertification for the plan, a notice was shown that i wasnt due to recertify until XX/XX/2018. I called Navient and the person i spoke to was a lady who was assigned number XXXX. She said my Income Driven Plan expired and i had to reapply. Today is XX/XX/2018. So i called studentloans.gov and i was told that Navient should have got my application that i completed in XX/XX/XXXX and that my plan was not expired. I once again called Navient and operator XXXX answered and told me that the info on Studentloans.gov page did not apply to my loan. This sounded utterly rediculous why would there be a reference to my loan to Navient on Studentloans.gov website if this did not apply to my loan. I have no other loans to Navient. I was told the info stated on studentloans.gov about me not having to reapply until XX/XX/2018 was a disclaimer. I dont know whats going on at Navient but i dont believe they are there to help me. They dont seem to know whats going on..or do they?
I originally did go delinquent on a college loan directly with XXXX college in XXXX in XXXX. They sent it to collections and a couple of different companies picked up the debt. I paid the collection in full in XXXX. However the collection company that had the debt last moved the original delinquency date up to when they acquired the collection contract to XXXX of XXXX. It is my understanding that original delinquency date of XXXX should be the reported case.
I contacted Equifax via fax and mail stating that I have no business with these inquires on my credit report and I want them removed. How many times is it going to take to have them do there job. I have put a fraud alert on my account so no one opens an account under my name.
Pulled my credit report last week and noticed that a debt collection agency FIRST FED CREDIT CONTROL is noted on XXXX report in collections. I reached out to them on XX/XX/XXXX and gave the rep. all of my personal info they required to pull up my account. They were unable to find me in their systems. I was then told that a manager had to call me back about this situation. The manager hours later called me and stated that I owe {$120.00} for a medical bill in XX/XX/XXXX. I asked who was the original creditor and they were unable to provide this information and stated that they bought the debt from another debt collector and also did not provide that company information. So I am having trouble validating this debt and I do not recall ever getting services from the medical provided listed on the credit report.
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, New York for the retail price of {$20000.00}. Upon the initial purchase, I placed a {$1000.00} deposit and signed a financing agreement for sixty months at the cost of {$310.00} per month to the accumulated amount of {$18000.00}. I preceded to sign-up with Hondas autopay program shortly after receiving the vehicle using my XXXX XXXX savings account and prior to the first pay date. Payments of {$310.00} were made each month, in full, without incident, with the final payment posted on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice in the mail from Honda Financial Services regarding a late payment of {$1000.00}. The notice did not specify the date of the alleged late payment. After contacting Honda Financial Services on XX/XX/XXXX, I was told that my first payment dating back to XXXX of XXXX was not posted until XXXX of XXXX. The representative said that in this five-year time frame I was contacted both by phone and through email about the late payment of {$310.00} from XX/XX/XXXX, which has since compiled interest, bringing the total amount to {$1000.00}. 

After retrieving the last email Honda Financial Services sent to me which was XX/XX/XXXX the contents of the email did not specify a late payment. Since that email, I have received two separate emails from XXXX XXXX one from XX/XX/XXXX and another from XX/XX/XXXX regarding their upgrade program, stating that they examined my account and I was eligible for an upgrade. I also received an upgrade notice, by mail, from XXXX XXXX on XX/XX/XXXX with the notice saying my account status is Paid Off. The phone calls I did receive from Honda Financial Services were generic, automated messages that did not specify a late or overdue payment. To the best of my knowledge I did not receive a phone call from an Agent until XX/XX/XXXX. 

I have since had XXXX  XXXX pull up my savings account statements from XXXX of XXXX through XXXX of XXXX, and after reviewing noticed Honda Financial Services did not start withdrawing payments until XX/XX/XXXX. After reviewing my credit report - through XXXX  The missing payment from XXXX of XXXX was not posted late until XXXX of XXXX, and Honda Financial Services did not report the late claim to XXXX until XX/XX/XXXX. On further review, all automated, monthly payments from Honda Financial Services show C for current until XXXX of XXXX, with XX/XX/XXXX showing NR for not reported, then C for XXXX of XXXX. This is confusing because XXXX XXXX, Honda Financial Services and XXXX show the XX/XX/XXXX amount being posted on time. 

My credit score has been dipping since XXXX of XXXX and I am at risk of repossession of my vehicle. I wanted to know what I should do to fight this late claim since Honda Financial Services did not adequately inform me about the missing payment.
I refinanced my home loan with Freedom Mortgage to wrap in a home equity line of credit and to get a lower interest rate. The closing on the new loan occurred on Tuesday XXXX XXXX. The loan proceeds for the first loan were paid off on XXXX XXXX. 
According to Chapter 27 - Real Estate Settlement Procedures, Section 2605, sub-section ( g ) Administration of Escrow Accounts, " Any balance that is in the servicer 's control at the time the loan is paid off shall be promptly returned to the borrower within 20 business days or credited to a similar account for the new mortgage loan to the borrower with the same lender. My new loan already had included six months of prepaid escrow money. 
Repeated calls were made to the lender both by me and by my local Mortgage Officer for the company that had the Line of Credit. The lender 's call center and Escalation Department all could see my balance sitting there in a closed account. None could explain why the refund was not issued or what delayed it. The first call was made to the lender on XXXX XXXX to inquire on the status. The XXXX business days from the loan payoff was XXXX XXXX. I finally had a call from the Escalation Department at Freedom Mortgage that the check was sent on Monday XXXX XXXX. The check was dated XXXX XXXX but the envelope was postmarked Friday XXXX XXXX and arrived in my mailbox on Monday XXXX XXXX. So the check was mailed 27 days following the required XXXX business days ( in other words 47 business days after they received the loan proceeds to payoff the original loan ). 
I told them that the action was a violation of Federal Banking Regulations. This particular 20 business day regulation was amended to the law on XXXX XXXX, 2010 as an action stemming from the XXXX XXXX problems.
XXXX XXXX, ownership entity of XXXX XXXX XXXX XXXX, on multiple occasions has used deceptive practices in billing and collection efforts. 
Stated a maximum out of pocket of {$1300.00} then billed over {$9000.00} When asked for an itemized bill, it was refused. Later bill simply had total and " miscellaneous charges '' The hospital was informed of the customer 's desire to dispute charges and then customer was immediately turned over to collections. 
Hospital sent delinquent notice of bill addressed to someone other than the customer thereby indicating to someone not on the account or responsible for payment, that the customer ( patient ) was delinquent. 
Hospital 's third party collector PASI called customer and pretended to be the billing department of the hospital without correctly identifying who they were or the intention of the call.
During the application process and choosing a new home, Pulte failed to estimate taxes correctly in the Good Faith Estimate before closing and disclose the area had a special public improvement tax on top of that. The estimate we received in the GFE was in the {$200.00} range per month, and our actual as of XXXX XXXX after assessed will be {$600.00} per month. As XXXX, we would have never qualified for the loan on a $ XXXX month payment. We anticipated with our GFE, going into closing we would be at {$1500.00} per month. Our escrow estimate was completely off and we can not afford our home.
Attention XXXX  and if possible Experian and XXXX  Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter
Consumers BEWARE!!! We started with this company in XX/XX/XXXX and after a few weeks XXXX ( the owners nephew ) kept asking us for the same information we had already sent and when we questioned what was happening in the process he was ALWAYS very vague and would say it was being handled by his " higher ups '' AKA his uncle. That he was the liaison and had to wait for them. They were ALWAYS " in a meeting '' ( translation on the golf course. ) They took no consideration that people were waiting for them to do their jobs. We had numerous closing dates only to be disappointed after each date had come & gone. SO we started following up with the closing attorney an found out there was NEVER a closing scheduled any of the times he claimed. LIE after LIE, then we had to have an appraisal which he scheduled late as well and that took 3 weeks and we had to jump thru more hoops. The issues with the appraisal was already identified in the inspection report 2 months back and he acted like it was a surprise. When we talked to the appraiser he told us he had informed them when we put in our offer of these issues. Again we found more lies from them. <P/>With all the missing paperwork that we had to keep refaxing makes one wonder how well they secure our personal information. XXXX also kept trying to get us to give him our login and password information on our personal & bank accounts. Not in a millions years as he was very untrustworthy & shady in our opinion. Since I had to work, my wife faxed and fielded a lot of the information he requested and after he became upset because she caught him in lies and then he would just email me. So he did n't want to deal with women/wives because she caught him and would follow-up in his lies and deception. It was only after we got the manager at the realtors office involved did it hold him more accountable. Because his " higher ups '' were family and they were not going to do anything. We finally closed in XX/XX/XXXX after fighting thru every phase of the process Then they made us put money in escrow for a deck repair after the repairs were done XXXX had NO CLUE how to release the escrow money. Here we go again, money held up & being punished for calling him out and being caught in more lies. First email said oh its easy an nothing to worry about, then he sent the inspector out. Then he said he " was waiting for the inspectors paperwork '' LOL we called the inspector and he said it was sent to XXXX same day. Another lie so when we called him out on that he blamed the Attorney so we called XXXX XXXX office and he could n't believe that XXXX was blaming them AGAIN. <P/>When we called him out on that lie, well you guessed it, he said, it was " THE HIGHER UP 'S FAULT '' LOL Lie after lie and he hated being caught when we would question him. So his vengeance to us was to make us wait longer to release our money back to us. <P/>So we would like to warn the public and tell our story so they could have a successful stress & lie free home buying experience. BEWARE of this company and its lies. If you read the complaints from the Virginia office others have had the same experiences.
I purchased a vacuum through XXXX on line. I chose the payment plan for it. I thought that I paid through credit card charges but was told that the one payment failed. I responded and thought it was corrected. It wasn't. Then the next month they attempted again and then they sent me to a collections agency. I wasn't given a chance to clear up the payments which I thought were fine. I was told it was a third notice, it wasn't. It was the second and I had responded to the first one via email. They voided the warranty on the vacuum which of course doesn't work anymore anyway. I received an email from the collections agency and I asked that they prove the debt. I don't know who these people are. I don't agree with the amount that they show as due, and I don't know that if I pay these people it will resolve this debt. I responded to the email and haven't received an answer. I have received numerous calls from them, about XXXX a day. So, I emailed them again telling them that until the prove out the debt it was illegal to keep up the non-stop calls. I asked that they prove the debt. I have seen nothing and they keep calling me while I'm at work. Please have them prove the debt and stop calling me until they do. I will pay this debt but I'm not giving some person on a phone money until I'm sure they are actually in charge of this debt. How do I know this isn't a scam? I pay them and then I get XXXX calling me looking for payment.