WillisBack/dataset-financial-user-claim huggingface dataset:
I discovered on XXXX/XXXX/2015 that my property taxes were not paid by my mortgage companies escrow department. I contacted them to find out the reason and discovered that they had the wrong parcel number on file and paid another parcel number tax amount. The amount paid was more than {$2500.00} than my parcel tax amount. The tax department told me that they would open a case to look into the issue and that I would have to call back in 10 days, as the tax department can not make outbound calls. I called back 10 days later to find out that they requested a refund on the original amount paid and that they paid my taxes correctly now. I questioned them on the amount paid this time and again it was not the correct amount. When I questioned them, they said that they would open a case on it and I would have to contact them in 10 days. I was very upset and asked to speak to someone that could help and I was told to contact customer service. I contacted customer service and explained all of this and they said that they would look into and get back to me. I requested statements on my escrow account and they provided. I received the statements to only find out that my escrow account is negative due to both wrong payments and my monthly mortgage payment would be increasing. Now realize, I have been paying an inflated escrow payment due to the original parcel number/property tax mistake. I was assured a call back on XXXX with an update and resolution. I never received the call. I called and asked for the agent ( by their agent number ) and the agent was not available and I was assured a call back from the agent the next day XXXX. I never received that call. I called back again today XXXX and tried to get to a manager or supervisor and was only given another agent. Again I was told that they are still working on reconciling the account, waiting on their checks to be returned and my escrow account to be updated before they will pay my property taxes. Property taxes not paid by XXXX/XXXX/2015 are considered delinquent and subject to penalties including late fees. Taxes not paid by XXXX/XXXX/2015, the tax certificates are sold and liens and other severe penalties are enforced. When notifying my mortgage company escrow department, there answer is " I 'm sorry sir, we are doing everything we can to resolve this and can not give you an expected update. We have to wait for the checks to be return, funds to be added back to your account, and then we can pay your taxes. '' I ask how long will this take? " It can take up to 90 days for refunds and I 'm sorry sir, we have cases open now and do not have an exact time frame but we will notify you. '' I have over XXXX hours and more than XXXX calls in to multiple divisions of the mortgage company, escrow and tax departments. I have asked for a manager or supervisor on almost all of these occasions and have not once been transferred to XXXX. Lastly, this is not my first year with the mortgage company. The previous years they had and paid the correct amount. In XXXX of the calls, they told me that they were reorganizing their tax department.
I took a 36 month personal loan with this company in XX/XX/XXXX for {$10000.00} to consolidate my debt. The information I received in the mail stated the APR would be 5.99 %. On XX/XX/XXXX, I received a EFT deposit of {$9500.00}. They withheld {$490.00} for their service fee. My annual APR is 25.99 %. XX/XX/XXXX payments are {$400.00} per month. ( Principal {$270.00} + Interest {$120.00} ). I am 2 months ahead in my payments. The last statement I received, stated my next payment is due  XX/XX/XXXX. Over the course of 36 months I will repay {$4500.00} in interest plus the initial {$490.00} service charge, for a total of {$5000.00}, plus the loan of {$9500.00} = {$14000.00}. I sent an email to their customer service dept., requesting that they review my payment history with them and consider lowering the interest rate, as I am not a credit risk. I received an response stating that I would need to call customer service, since they do not discuss private information via email. I called the number and spoke to man who politely explained that I would have to speak with their customer service dept. and transferred the call. I then spoke with a girl who sounded as though she was a child and clearly did not want to listen to me. She bluntly told me that WE ABSOLUTLY DO NOT Negotiate interest rates and I could make additional payments to reduce the loan. I thanked her and hung up. I am not asking that they change me no interest, I was asking if they would lower the interest to a more reasonable rate, since I am in good standing and have proven my ability to repay. I was misled by the initial paperwork I received and that this company clearly takes advantage of the public. I am paying back over 50 % in interest and processing fees. This is unacceptable and other consumers should be warned of this scam. A person should not need a magnifying glass to read the fine print, it should be clearly spelled out for them. I believe these business practices to be deceptive and misleading and this company should be held accountable for the people they have taken advantage of.
I have sent Rash Curtis and Associates 2 verification letters to include that they could legally obtain my medical records from XXXX XXXX. The first one was dated XX/XX/2018. Which I asked for documents showing that they can legally obtain my detailed medical information and verify that I agreed for them to charge 12 % interest on the alleged debt from the original contract. They could not verify that information. I notified XXXX and XXXX  about their lack in properly verifying the debt on XX/XX/XXXX. Sent Rash Curtis and Associates a second letter XX/XX/2018. Again, they were unable to provide the requested documents to show that I released my medical information to them and that they could legally have my information. I have also requested that information from XXXX XXXX. I have yet to hear back. Again, I have sent, today, XX/XX/2018, letters to XXXX and XXXX   about Rash Curtis and Associates and XXXX XXXX  inabilitys to properly provide me with that documentation.
I have a CareCredit card. I recently realized that " XXXX XXXX '' signed me up for a service that I did not sign up for. It took two statements to realize this. I call CareCredit and they happily refunded me. XXXX XXXX did cancel the protection. This is fraudulent to sign people up for something they did not sign up to pay for.
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 
I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.
I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX. 
Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX. 
GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.
Started with a hospital visit & billing error by XXXX XXXX XXXX XX/XX/XXXX. Hospital failed to submit the proper claim through my insurance company & was charging me the full bill. Took them almost until XX/XX/XXXX to fix the problem, all I owed was a {$150.00} copay. Hospital never sent a bill but instead, reported & sent me to collections. Company is called Harris & Harris LTD out of XXXX IL. I paid the {$150.00} bill online XX/XX/XXXX after I requested a proper bill with the correct amount for my records. I am still getting collection calls on my cell phone. I have faxed & notified them verbally to stop the calls as the amount owed has been paid. Harris & Harris phone representatives are extremely rude & pushy insisting I have n't paid the {$150.00}. No one will take ownership and keeps transferring me to different people ultimately ending up with the same fax number to fax my proof of payment. The harassment has gotten so bad that I no longer pick up my phone when I see their number on my caller ID. Least they can do is offer to verify payment & make the proper corrections. Or at least, be pleasant on the phone, I do not owe them money & therefore need to be treated right & not as a deadbeat. All because XXXX failed at its obligations to properly process my claim & send me the correct {$150.00} copay bill.
On XX/XX/2018, I received a collection notice from professional collections of XXXX, Georgia, for the amount of {$2700.00}. I have asked for a validation letter from them and they have refused to send me one. I have also spoken with the armour landing apartments landlord. She has said numerous times that the debt was to be split between the 3 people on the apartment lease. Professional collections has said that I will have to pay the amount to be collected within 2 months.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00}
In XX/XX/XXXX I closed an account with XXXX. I paid all monies due and returned all equipment to the company. XXXX then sent my account to collections with out notifying me. I informed the collections agency that all monies were paid. in XX/XX/XXXX diversified consultants put on my credit an collection for XX/XX/XXXX. this information inaccurate for two reasons 1. the account is paid in full. 2. the account was charged off in XX/XX/XXXX. the FCRA sec 623 says that an company has 30 to notify me before putting anything in regards to my character on any consumer reporting agency. to report a new account on an old debt is also against FCRA. diversified consultants, during our conversation explained that they knew the account was was closed in XX/XX/XXXX and charged off, however still reported it as a fresh debt, a significant violation of the FCRA.
Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.
We have auto-payment for our mortgage set up, going from our bank ( XXXX ) to our mortgage company ( Nationstar ). We have bank statements showing those payments have occurred consistently and have not been returned or rejected by Nationstar. They told us that they do n't have record of our last 3 months of payment. We have submitted bank statements and yet they still ca n't get this fixed in their system ( they have now found the payment for one of those months but not all months, and have indicated that some of the payments we sent were incorrectly applied, but tried to blame that on us instead of taking responsibility and fixing it ). They even sent our case to their collections department, where the staff were belligerent as well as unable to solve the actual problem. Now our credit report shows that we are 30 days late on our payment. They have assigned late fees, which should be removed. This is not the first time they have wrongfully assessed late fees on our account. We have attempted to resolve all of these issues with Nationstar and despite hours on the phone and providing the documents they request, we do n't see this being resolved easily. Thanks in advance for any help you can provide.
I currently hold a bluebird card through American Express, and this is the third time this month that I have had issues accessing my money. There has been zero help trying to assist me with the problem. The first two were issues on their end, this last issue they are claiming that XXXX is having issues with their system and there's nothing that they can do to give me back my money now. I was rudely told to contact XXXX and basically hung up on once I asked to speak to a supervisor. Contacted XXXX they have instructed me to contact my credit card .... Here 's a brief summary of what I've been charged. I made a {$160.00} purchase on XXXX that cleared. On XX/XX/XXXX I again was charged XXXX that also cleared, then another transaction of XXXX on XX/XX/XXXX says merchant hold for review. Then on XX/XX/XXXX another XXXX purchase was placed on my account, putting the account into an negative balance. No one at Amex seems to want to help me.
I do not have a contract with AFNI. I am not liable for collection. This debt is from XXXX XXXX XXXX. This debt is also 7 years old and pass the PA statues of limitation. I am not responsible for this debt. It is for {$1500.00}. I filed complaints with the credit bureaus and will also be filing a complaint with the XXXX XXXX XXXX!
I graduated from the University of XXXX XXXX in XX/XX/XXXX and consolidated my loans with Nelnet. I now make payment for the private portion of my loans to Firstmark Services and Nelnet for the Federal. ( I believe they 're one in te same ) I was to receive a 1.00 % interest rate reduction after 48 months of ontime payments for my private loan. I was to receive a reduction to my federal loans also which I finally received after fighting them on it! I have always made on payment for both loans. For some reason they are saying that for my XXXX/XXXX/XXXX payment it was received on XXXX/XXXX/XXXX and therefore late and I do n't qualify for the private loan discount. They changed my due date a few times throughout the period. I do n't understand why I qualify for one and not the other? Most Likely because it was originally a {$61000.00} loan and they collect more Interest. If you look at my repayment history you will see I have been very diligent about payments. In fact I 've never missed a payment on anything in my life! Especially this loan. After over 11 years of payments my balance is only down to {$44000.00}!!! I feel completely cheated that they wo n't honor the interest rate discount. They wo n't provide me with proof of the payment invoice showing the date. The payment was made electronically. I need help resolving this matter. I feel taken advantage of by this lender.
I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me
On XX/XX/XXXX, as I checked my XXXX XXXX account, I noticed that a 'derogatory remark ' was added to my credit reports from XXXX and XXXX . The collection agency that placed the 'derogatory remark ' on my credit reports is Paramount Recovery, which is located at XXXX XXXX XXXX. , XXXX XXXX, XXXX , TX XXXX. I immediately sent a debt validation letter ( certified mail with return receipt ) to Paramount Recovery requesting validation of the debt as well as HIPPA authorization due to this being an alleged medical debt. Paramount Recovery acknowledged receipt of my debt validation letter by signing the certified mail return receipt ( green card ) and dating it for XX/XX/XXXX. The representative from Paramount Recovery who signed the certified mail return receipt was " XXXX XXXX. '' From XX/XX/XXXX until present, I haven't received any communication from Paramount Recovery regarding my debt validation letter or have received any of the requested information stated in my debt validation letter. Paramount Recovery did temporarily delete the 'derogatory remark ' from both credit reports ( XXXX and XXXX ), but reinserted the 'derogatory remark ' a few days later. I have NEVER received any proper/prior written notification from Paramount Recovery regarding this account. They just one day decided to insert this 'derogatory remark. ' Also, they have placed this 'derogatory remark ' on my credit reports without any account number from the original creditor.
XXXX, XXXX and XXXX were all previously deleted and then reinserted into my file.
On XXXX XXXX my sister received a call from XXXX a representative with Heritage acceptance. She did not Identify herself or the company she was calling from. XXXX was calling to confirm my residence through my sister. My sister advised them that I was XXXX. A week later I receive a letter stating that there was a judgement against me the amount and how much I owe. However the did not specifically state that this was an attempt to collect. This debt was from XX/XX/XXXX, and the judgement was filed XX/XX/XXXX. The statue has passed for them to report this to the credit bureau as the have threatened to do so with in the letter. Also the were advised that I am disable and do not have the ability to pay. XXXX then asked my sister who was speaking on my behalf if she was able to pay it. Which was inappropriate to solicit my sister for she did not owe. My sister asked to speak with the supervisor XXXX and she explained the same thing to the supervisor and XXXX was still insistent upon collecting on the debt as well. I am mentally and physically XXXX and have been for along time, with the documentation to provided details concerning my XXXX of which I feel I should not have to disclose. The were advised that I do n't have the ability to pay, and the debt is 18yrs old. XXXX stated that they can try to collect on a judgement up to 20yrs. Either way I do n't have the ability to pay, am currently XXXX and request that the debt be eliminated. I can afford to continually be contacted about this debt and I am on a fixed income that barely meet my daily living expenses
We have property damage claim that was filed with XXXX XXXX XXXX in XX/XX/2018. XXXX XXXX has paid 100 % of the claim. Because XXXX XXXX is a lender on our property the insurance checks from XXXX XXXX were made payable to us and XXXXXXXX XXXX. We have received {$25000.00} from XXXX XXXX and have sent the payments/checks to XXXX XXXX. XXXX XXXX has only released {$11000.00XXXX XXXX XXXX XXXX payments on XX/XX/2018 and XX/XX/2018 to pay a portion of the repairs. Contractors finished that portion on XX/XX/2018. There is still a remaining {$13000.00} that XXXXXXXX XXXX is still holding. Our mortgage is up to date and according to XXXX XXXX XXXX protocol, in order for additional funds to be released, they require an inspection. Contractors are finishing the repairs based on our claim. We have scheduled via XXXXXXXX XXXX two appointments to have this inspection completed so funds can be released to the the contractors for work completed per our contract with them. The inspector has FAILED to show up both times, has not called and will not return our calls. WE have expressed this to XXXXXXXX XXXX both times. They have given us the number to the inspector that THEY have contracted with to resolve. This is not acceptable. We have contacted XXXX XXXX to get this resolved to no avail. WE do not have the personal funds to pay the contractors for the work they will finish in about XXXX day. We have also made XXXX XXXX aware that this issue is going on. However, XXXX XXXX says they have any authority to help resolve. Since XXXXXXXX XXXX has taken longer to pay out disbursements, other damage, MOLD damage has occurred. This will cause an ADDITIONAL claim to be submitted to XXXX XXXX for Mold Remediation.
XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. 

Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. 

Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.
I was approaching my freshman year of college when I needed to apply for a loan because I did not get enough money from Financial Aid to cover how much my schooling was. My school is approximately {$30000.00} a year. In my parents taxes, it says that they make enough to cover what they did not provide from FAFSA. Unfortunately, my parents do not help pay for my schooling, nor do they have the best credit. 
So on XX/XX/XXXX, my step mother used my dads information to be a cosigner on a loan from XXXX XXXX for {$21000.00}. I did not get approved. 
On XX/XX/XXXX, they tried to apply for another loan but using my grandma as a cosigner this time for the same amount, {$21000.00}. This did not get approved either.

On XX/XX/XXXX, my parents tried again. This time with my grandma in laws information for the same amount, {$21000.00}. This did not get approved.

On XX/XX/XXXX, my parents tried one last time. This time my step mother tried to use her credit information to see if she would get approved for the {$21000.00}. This did not get approved. 
As all of this was going on, I had just turned XXXX and did not know how credit worked. So therefore, i was not aware that trying to get a loan would continuously hurt my credit. I was shocked that my parents never made that aware to me either. 
We finally settled for the first loan we applied for that had an interest rate of 12 %!! 
Now, I am going to be a sophomore in college without another loan being approved. I do not know if it is because of these hard inquiries or if it is because of my parents bad credit. I would like to continue my education so I am sure it would help me a lot if I could get these inquiries removed. 
Thank you so much.