WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is against XXXX XXXX and Goodman Frost , PLLC. 

I never received any form of communications from XXXX XXXX regarding this alleged debt but was informed from XXXX XXXX that they had turned it over to the law firm Goodman Frost , PLLC which is in XXXX, Michigan and I was told by XXXX XXXX to contact them to settle the debt. The first I heard of XXXX XXXX was when I contacted the original creditor to negotiate a settlement of the bill on XX/XX/2018. I was told by XXXX XXXX XXXX, XXXX, the original creditor, to contact them regarding settling the bill. I was served the summons and complaint on XX/XX/2018. The summons was not served in a timely manner. The summons was issued on XX/XX/2018, the complaint was dated XX/XX/2018. My address has been the same for more than 3 years and my phone number has been the same for more than 10 years. When I contacted XXXX XXXX law firm, I spoke to a woman named XXXX. Per my phone conversation with XXXX, I requested a settlement amount of {$260.00}. She stated the firm did not have authorization from their client, XXXX XXXX, to settle. This does not sound truthful since they had been given the right to file a lawsuit against me. She was offended and spoke rudely to me when I asked why a {$530.00} alleged debt was being increased to {$560.00} and accused me of " going around and around '' with her, per our conversation. XXXX finally stated it was a {$35.00} filing fee. I went to XXXX XXXX XXXX 's website, it stated that the filing fee was {$25.00} for suits {$600.00} or less. She said she would send me paperwork to sign stating I would pay {$560.00} in monthly payments of {$47.00}. When I received the paperwork, " Conditional Order of Dismissal, '' on XX/XX/2018, the amount had gone up again to {$590.00}, an increase of {$28.00} and stated in this court document that it this was the agreement between the firm and myself, which is not true. XXXX XXXX is not dealing in reasonably or in good faith with me regarding the payment of this alleged debt. There have been no award of fees of any kind ordered by the court in this matter and at this present time, there is no court date for the lawsuit. 
XXXX XXXX did not give me any opportunity to verify the debt, settle the alleged debt, or deny owing the alleged debt. I do have the documentation that I can and will attach it to this complaint. 
I believe there has been several violations of the Fair Debt Collection Practices Act because I received no notification from XXXX XXXX and because the amount of the alleged {$530.00} debt is continuing to increase.
XXXX submitted a removal request through XXXX for an account in collection. Equifax has yet to remove this collection account.
XXXX as of XXXX/XXXX/2016 has identified XXXX accounts opened under my name and my ssn all in the XXXX area. I have never lived there in 51 years. the company is fraudulently using my info and then selling it to credit collectors and reporting it on my credit. i have reported it to police and notified creditors.
Western Union allowed a fraudulent payment from my debit card on XXXX XXXX XXXX in the amount of {$2100.00}. After contact from both my bank and me, they refuse to refund the money to my account. They also said they would give me a fraud account number to file with the local police, which they have not done. They allowed this charge without my pin information.
On or abou t J  XXXX   XXXX  , 2017, I checked  my credit report and there 's a debt for Portfolio Recovery,     XXXX   XXXX   XXXX   ,   XXXX   XXXX ,  XXXX , VA  XXXX  in the amount of {$1500.00}, original creditor is listed as  XXXX  ( I assume it 's for  XXXX   XXXX   XXXX   ), whic h I thought was charged off.     The problem is, I have NEVER received anything from this collection agency. I 'm in the process of disputing with  XXXX  and  XXXX . Are n't they supposed to contact me prior to just placing a collections on my credit report?
XXXX XXXX XXXXXXXX continues to report my account as CHARGE OFF account was paid Equifax continues to report as account current and charge off
Hello. I am Citibank checking customer since XX/XX/XXXX. On XX/XX/XXXX, I signed up for Citibank savings account ending XXXX via the banner offer which i an attaching as a PDF printout. After signing up for the account i called Citibank and the representative assured me that i will get the offer. As per offer, i am supposed to receive {$300.00} for keeping {$25000.00} or more until XX/XX/XXXX. I kept more than {$25000.00} in the account till XX/XX/XXXX but now Citi bank is saying that i am not eligible for the offer They are saying that i was not targeted. The PDF printout states that i was enrolled in the promotion and terms and condition on the PDF print out does not have any language regarding targeted and Citi representative assured me that i will get the bonus for keeping above {$25000.00}.
Not only does capital one show me as having my credit card for 13 months and I had it for half the amount of time, it shows late payments when I was placed on auto pay. I made a bulk payment as I often did and it was held and not applied. I contact several agents. This issue was never resolved. My money was held and account was closed. I received several adjustments for the mishap however was told they were unable to remove the late charges and I would have to contact the credit Bureau in efforts to have this late payment removed..I request to be removed from autopay and was still being drafted monthly on the XXXX.
After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts Transunion did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
On XX/XX/XXXX I toched base with XXXX from DriveTime to discuss what considerations goes into determining my final interest rate on my new vehicle loan after having my other trade deadline deleted because of the issues I was having with my prior vehicle. After explaining what had happened it was brought to my attention that my credit score went down in the span of 6 plus months which is not unheard of and can take some responsibility for that of course but as a company trying to take care of its paying customer is where they are lacking severely. I'm being punished because of my lack of knowledge of lending so if you are looking at it from my prospective because of my lack of knowledge of how lending works and their unwillingness to help me get out of my vehicle at the time I had to try other avenues to try to get out of set vehicle with out hurting my credit which is my whole goal in the first place and after they offered me to buy my earlier vehicle back steps I had taken before actually hurt me. SO from my point of view they bought a vehicle back that should have never been sold to anyone in the general public and made out yet again because of mistakes I had taken not knowing any better they are now making over {$500.00} over the life of the loan when I had actually financed {$100.00} less then my prior vehicle. In the past 6 months to a year I have accomplished nothing but heartache and credit going down because of the miscommunication between both me and XXXX/DriveTime. How is any of this far. I have on record them stating the reimbursement check they sent to me promised to be to me at a certain time wasn't to deliberately make me slip up and make a late payment which I haven't. The lack of help I have been given this far is amazing they are still able to do business but like other responses on record they are covered by letter of the law or so it seems. I know the CFPB cant act as a governing body but should be able to set something right. I plead with You I have done everything correctly and can admit my faults in my case. I haven't done anything to cause harm or ill will towards XXXX/DriveTime but seems like I have too because the system is broken. Alot of consumers are unaware of the CFPB and am surprised I am still having to summit complaints about company that has been fined by you in the past for doing the same questionable business decisions. What am I to do? I have 145 bi weekly payments to make to them make it living XXXX like it has been for me this past 6 plus months. I would stopped filing complaints if they just did one thing they had promised me they would do which at this point they have failed horribly. For Example :  When I was offered reimbursement check and was lied to about its actual arrival time. Do you now how it feels to be a grown adult and being assumed and treated like Im less than nothing? Can you put price on that? An eye for an eye!!! Treat me like kid I'll act like one.
I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a XXXX and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my XXXX. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.
I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My XXXX XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my XXXX. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
I have made principal payments to Chase which they did not apply to principal. Rather, they said they considered it " advance payments. '' I need these payments applied to principal retroactively. I have spoken to the executive branch there, have been promised return calls but have heard nothing. I need the proper principal amount as I have an ARM and my monthly payment now is being calculated on a higher principal amount.
The collection agency Representative XXXX XXXX threatened to call my employer ( a bank ) and tell them I have a dirty mouth and do n't pay my bills. 
I had already paid the medical bill in full and was served papers that they were suing me for interest along with attorneys fees. I had initially contacted the company of my own free will in XXXX to pay the balance in full. They stated they were owed interest and would not accept my payment unless I paid them for their job. I asked for proof they had the authority to seek interest and they stated they did n't have to prove anything. The collection bureau was not only rude while I offered to pay in full but demeaning asking me questions specifically " oh yeah where did you get the money to pay us? '' and " your a XXXX that does n't pay her bills. ''
I have a payday loan with XXXX XXXX XXXX on XXXX, XXXX, CA. I asked about their loan products. They usually recommend XXXX. I hesitated because I've had problems with their ethics practices. They're unscrupulous. The staff assured me they claimed they will work w/XXXX  customers. Their clients don't have stellar credit with FICOs above XXXX. Their incomes are typically less. Mine is better but my FICO is low. At their suggestion & great reluctance I applied on XX/XX/XXXX. You have to do it directly w/XXXX by phone. I spoke to XXXX at XXXX XXXX @ ( XXXX ) XXXX. She said she was unable to get my app to go thru, had no idea why, would talk to her supervisor ( at my insistence for a reason as to why ) & call me back before she left at XXXX XXXX. She never did! No surprise. I told XXXX of my experience. They were shocked because that isn't what they were told. They are being asked to promo XXXX  's product to their clients. All XXXX is doing is clocking numbers, running inquiries on consumers credit w/XXXX which depletes your already not good FICO down by 10 points for 2 solid yrs. & you still get declined! They're a numbers based business playing a game w/consumers time & lives. XXXX was unable to comment because they were lied to by XXXX 's sales rep just to get the business. LoanMe is not capable of supplying loans to XXXX customers, their FICOs & incomes are too low. XXXX  payments are incredibly high & are per pay period w/interest only for months before anything goes to principal. I called again on XX/XX/XXXX & s/w XXXX, supervisor. He said my app didn't go thru because the system has me blocked because I filed a XXXX  complaint in XXXX for their practices which were worse than recent events. Each time I applied ( 3 times ) they never sent a Reg B letter. Claimed to but never did even though they had correct info. Instead of trying to change my mind about them, they black balled me & never told me that or why. I had to persist to find out about it!
I paid the amount requested from XXXX XXXX group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection account.
I paid off a mortgage loan from US bank and they are holding the overpayment as wells as the escrow account balances for upto XXXX days. There is no reason for them to be able hold onto my funds, as they were paid in full from the new lender. This process of waiting to provide borrowers with their money and overpayments is unfair and uncessesary. I demand that these should be remitted within XXXX business days of the loan paying in full.
I am filing this complaint against SYNCB/CARE CREDIT. 

I joined XXXX last year 2015 and saw this company listed on my reports as a charged off account that was sold to another lender. I have never done business with this company and have reached out to them several times by mail in the year 2015 to current with no success, requesting them to validate this debt/account by providing me with prof of contract bearing my signature. 

None of my letters that I mailed to this company were ever returned to me, so this year I decided to mail my letters certified mail with a return receipt to see if someone signs for my letters and they did. 

All though they signed for my letters they never responded back to my dispute and failed to report to the credit bureaus that this account is being disputed by me within the 30 day time frame. 

I feel that I have made every goodwill attempt to reach out to SYNCB/CARE CREDIT to correct their records by removing this negative incorrect listing from my credit reports, so I feel that I have no other choice but to file a complaint with you in the hopes of getting this problem resolved. 

My good name has suffered do this and my last resort will be small claims court, however I 'm hoping that you all can assist me with getting this problem solved once and for all. 


Thanks in advance.
I see that there is an incorrect address that is reported on my TransUnion credit report. Please let me know what I can do about this so that it will not affect my credit score in any way.
Nelnet started servicing my loan earlier this year. At the same time, I became convinced that I am eligible for the Public Service Loan Forgiveness Program. So I called their customer service and inquired about how to apply. I was told that first I need to consolidate my loan and then apply for loan forgiveness. However, the application will take effect the day it is accepted and not retroactive. It is very unfair that I 've been a public servant for seven years making regular monthly payments since XX/XX/XXXX, and my application will only be considered going forward. I 've been inquiring about PSLFP since XX/XX/XXXX.
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily.
In XX/XX/XXXX, my wife and I closed on our loan for our home. It was to be a conventional construction loan and per the closing disclosure we were not to have an escrow account. From XX/XX/XXXX, toXX/XX/XXXX, we did not receive notification of any changes to our loan until we received a XXXX package on the front doorstep notifying us that we owe over {$7000.00} to finalize the loan. We were not notified of this amount previously and the communication from the company was only the interest bills that we were aware of and paid. I began to dispute this with the company in XXXX, it was not until XX/XX/XXXX that we received another XXXX package on the doorstep in which they state we owe over {$8800.00}. According to our closing disclosure, they opted out of us having an escrow and are now attempting to force into one with a large sum of money due to them immediately. We are not the only family to deal with this as we have met others with the same issues with this company. They have recently told me that the loan was not a conventional loan, but a XXXX XXXX loan, which is not disclosed on the closing documents. We have been told numerous things for them to change later. This company has lacked communication and lacked the ability to follow their own documents and force the consumer into large amounts due without notice.
I was notified of a debt by IC Systems and contacted them XXXX of XXXX. I did not have the full balance owed of XXXX, but I was able to set up a payment plan where they would withdraw {$100.00} on XX/XX/XXXX and withdraw {$50.00} every month on the XXXX for 8 months, and then pay the remaining balance of XXXX on XX/XX/XXXX. I also inquired about making additional payments to lower the final payment which they told my I needed to call in to do so. Additionally, I was told that as long as a did the payment plan and had it paid off by XX/XX/XXXX they would not report it as a collections account to the credit bureaus. I made two additional payments : on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for XXXX. This brought my final payment to {$200.00} on XX/XX/XXXX. Both times, I called to make the additional payments I confirmed that the final payment set up on XX/XX/XXXX would pay off the loan. Both times, the representative told me it would. The final payment of {$200.00} was paid successfully on XX/XX/XXXX. The account was paid in full. However, on XX/XX/XXXX I received a credit monitoring alert on my phone. When I checked my credit report, it showed a new collections account from ICS was added on XX/XX/XXXX. I pulled up my IC Systems account on XX/XX/XXXX and it showed I still had a balance of XXXX. This is completely inaccurate. I attempted to contact IC Systems and I was unable to reach a person. The phone would ring. It would say no one is available and ask if I wanted to leave a voicemail. When I attempted to leave a voicemail it said the box was full and hung up. This is horrible debit collection practices and I expect this to be resolved immediately. I paid the account in full and should not have to go through this mess.
I purchased a XXXX XXXX XXXX at XXXX in XXXX XXXX, Md in XXXX XXXX. I signed the contract with the finance company Americredit. Im not understanding because I never made any payments to them. All my loan stubs and western unions said GM Financial. I lost my job in XXXX XXXX which was also my last payment. My car was repoed in XXXX XXXX. I 'm not sure the repo was conducted within the guidelines of the law. I was verbally told to come up with $ XXXX dollars in back payments or return keys which I 'd also be charged for within 5 days. Or I wasnt allowed to reclaim the car, when I went to retrieve my personal belongings from the tow company. I was never notified in writing that the car was sold at an auction. Never notified as to my rights to be present at that auction to bid on the vehicle. Also never notified in writing or verbally how much the vehicle sold for. Now my credit is shot and ca n't finance another vehicle due to the repo. I contacted a credit attorney and they lead me to you.
I placed an order on XXXX XX/XX/XXXX. I ordered 3 items. I received only 2 items but the 25 % coupon was not applied. I was on line again XX/XX/XXXXthose same 3 items are offered with a 50 % off code 3DAY. I sent XXXX 's a email asking the status of the item not received, the 20 % discount not being applied and letting them know that all 3 items are now 50 % wit that code. If they won't honor to send me a return label for the two items and have them picked up. The order number is XXXX
From XX/XX/XXXX-XX/XX/XXXXI contacted Navient to inform them that the monthly payment was entirely to high for me to pay, each year they suggested that I apply for forbearance. After I exhausted the forberance, they told me to consolidate my loan in order to apply for forberance again. Now my student loans are enormously higher and I still ca n't pay anything but the interest so now I 'll be paying this loan for the next 50 years.
I have accumulated some Amercian Express Membership rewards points ... .I tried to transfer some points to my family relative today and my rewards account has been frozen. 

I call AmEx customer service and were transferred to Membership rewards department. 
I were told it takes 8 weeks to get some " investigation '' result. this is ridiculous and not acceptable.