WillisBack/dataset-financial-user-claim huggingface dataset:
The company ED Financial has placed two accounts on my credit report since XXXX. I have no knowledge of this account. My student depts were paid when I filed for chapter XXXX in XXXX. I have schedule of all payments made on all creditors. The company refuses to provide any details regarding this account and continues to reflect on my credit report. EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$7000.00} Balance Updated XX/XX/XXXX Original Balance {$2700.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX View All AccountsPreviousNext EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$18000.00} Balance Updated XX/XX/XXXX Original Balance {$9200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
A collection item with XXXX XXXX XXXX is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being  reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to me
I am getting repeated calls from american express ( XXXX ) asking for a XXXX XXXX whose card ends in XXXX, and the call continues to say he owes XXXX dollars. 

Last week I held on and finally spoken with the operator. I told the operator I am not the person they were looking for. I was told the calls would stop. They did not. 

The calls are coming to my cell phone XXXX, or they may be transfered from my home phone XXXX. 

This call comes every few hours .... 

Getting very tired of this. I want this to end.
I am trying to send a purchase agreement to get reviewed to have a foreclosure sale postponed. I called XXXX to reach the assigned customer assistance manager He was not in. I was transferred 4 times to different people who did not know where I should send documents or the process. I was even told to call the foreclosure attorney who stated they have to get instructions from Bank Of America and that Bank of America should not have told me to call them Then I called back and reached an office in N Carolina and went back and forth with a rep named XXXX for 92 minutes as he could not find anyone to answer the question Then he said all managers were in a meeting .This was at XXXX XXXX and he said I would get a call back. No one called
On XX/XX/XXXX, we purchased a tractor from XXXX XXXX on an installment loan for $ XXXX/mo for 84 months. We paid {$10000.00} down and have made 30 monthly payments in the amount of $ XXXX/mo.  We initially received payment books from the finance company, XXXX XXXX, however, have received no monthly statements, no year-end statements, no letters, nothing ... since the inception of the loan. 

Today, XX/XX/XXXX, I called to get a payment history/statement, showing interest and extra payments applied, and was told that information is not available. They can only provide a payment history that shows a simple date and the amount paid, with no interest calculations or extra payments applied. I already have a simple list of dates and payments I have paid. I asked to speak to a supervisor, and was transferred to XXXX XXXX, and was told that I need to educate myself on how agricultural loans work. She said they do not have to provide me any breakdown information, that I am responsible for 84 payments in the amount of {$250.00} regardless of the extra payments I have made. The only thing they can provide is an amortization schedule of the original loan plan, not one for the actual payments that I have made. She said that if I need that level of detail, I will have to contact my own accountant and have them figure it out for me! I was completely blown-away by this finance companies standards, or lack thereof. 

I would like a full payment history of my account, including all monthly payments, monthly interest applied, and how extra monthly payments were applied to the loan, so that I can determine if there is a discrepancy in the amount still owed. 

Thank you.
I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!
Hello, I consolidated my  XXXX  federal graduate school loans on  XXXX / XXXX / XXXX  into the only loan consolidation program offered at the time. I am now learning that after 11 years of working for the  XXXX   XXXX  Attorney as a lawyer ( a job that would otherwise qualify ), because I did n't consolidate into a type of loan that did n't even exist at the time (   XXXX   XXXX   ), my  XXXX  separate, on time payments as of  XXXX   XXXX  will not qualify for the public service loan forgiveness. This seems bonkers. Certainly that can not be the intent behin d Congress creat ing this program with much fanfare a decade ago.     My servicer is  XXXX . I think my loans should be forgiven in exchange of the years of hard work I have been doing as was promised ten years ago.     Thank you,  XXXX
I made arrangem ents with Navient in   XXXX   XXXX  to pay {$100.00} every month that was automatically drafted from my bank account.     I lost my job in  XXXX   XXXX  and when they call to ask if I can make a payment and I explain that I ca n't they say they will mark it as failure to pay.     In late  XXXX , a gentleman from Navient called to see if I would be interested repayment options and I told him I would. He then asked me about my co-signer. I asked him what did the co-signer have to do with repayment options. He hung up the phone.     This company is not interested in helping consumers repay their loans. I paid for a year and the balance never decreased.
I pawned a heirloom ring with EZ Pawn, XXXX XXXX XXXX XXXX, XXXX, CO. I paid faithfully and on time for 10 months. When I went to redeem my property on XXXX/XXXX/17, I paid the remaining balance of {$300.00} and was then told that my ring was lost or stolen. The store manager, XXXX, stated that they looked everywhere for the ring, viewed security footage, and determined that a store employee must have stolen it! I was not offered a refund on my monies paid in, or compensation for the value of the ring. I was told to " go home, and wait 48 hours, and we will contact you ''. I was resolution.
Bank of America has XXXX the ability to make principal only payments on their website. The only way to pay extra principal payments is to make a future loan payment, and then pay extra on top of that.
I have received ( 3 ) telephones on my house phone which is on the Do Not Call Registry. They keep asking for XXXX XXXX, my son about collection of an owed debit. These calls are from a company identified as being ; AFNI Inc. ( XXXX ) XXXX. They claim to be located in XXXX, IL. Upon research there is an AFNI Inc. located at XXXX XXXX XXXX in XXXX, IL XXXX.
I have repeatedly told these callers that this phone number is a Do Not Call Registry. I am not XXXX XXXX, advised them that they are in violation of FDCP 15 USC 1692 ( c ) 805 ( b ), Communication with a Third Party.
I have asked them to Cease & Desist in their continued efforts to contact me about this.
Date & Time of each call : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
AFNI INC. is listed as having ( 2 ) addresses : XXXX XXXX XXXX., XXXX, IL XXXX  and maybe know also as being XXXX XXXX with a secondary address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX
OnXX/XX/XXXX my XXXX XXXX XXXX XXXX was destroyed in an accident that resulted in my wife suffering a XXXX and 42 days in a XXXX. around XX/XX/XXXX HDFS was provided with the name of the insurance adjuster and claim number and I was told no problem we will take care of it. Shortly thereafter I started getting late payment notices on my credit report and after multiple calls to both HDFS and XXXX nothing happened. InXX/XX/XXXX a tow truck was sent to my house to repo the vehicle that was sent to salvage in XXXX. XXXX finally made a payment on XX/XX/XXXX. 7 months later. They have in writing that it was in part due to HDFS sending them the wrong information that it took so long. Needless to say all HDFS could do was continue to hit my credit report with missed payments as I now sit unable to work because I have to take care of my wife at home 24 hours a day. 

It took the GAP coverage until XX/XX/XXXXto make a payment which still left money due which when I asked I was told it was for interest payments. Which by XX/XX/XXXX that account was paid about 2 years ahead of time. I have asked for a breakdown of all payments received and all charges applied to the account along with dates and amounts sent to XXXX for payment. 

The poor customer service this company and others provided me drove my credit score down from XXXX to XXXX in months, thus when I went to refinance my house to use the XXXX in equity in it to keep all my bills current until I could work again, my score was too low. HDFS and XXXX caused my family great financial harm to the point that I am usually within DAYS of having my house foreclosed on and vehicles repossessed. 

One year to process a simple 100 percent destroyed claim on a motorcycle and I now have statements showing that the about {$800.00} that was left after the insurance companies paid, has now grown over 4,000.00 Additionally I was informed that the motorcycle was sold. I dont know how a vehicle that I was paying for and still getting billed for could be sold without my Knowledge
They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.
I have made several complaints to Midland Funding about one of the accounts placed with them. During the dispute I asked for a copy of the document I signed. They have me listed as having a XXXX account in a state I have never been to. my name is also misspelled. I never had this XXXX account. They sent me back that they sent me some notice which I never received and never addressed that I did not sign for this. If I knew the dates that I supposedly had this account I could try to prove my whereabouts. they also seemed to say that because I have another collection account this must be legitimate. This is not legitimate. I have never been to Virginia in my life. This account needs to be removed
My mortgage is currently serviced by  XXXX   XXXX . Prior to  XXXX , it was serviced by Bank of America, who is the current investor on the loan. Bank of America approved a loan modification prior to the servicing transfer to  XXXX   XXXX .  XXXX  never completed the loan modification and pushed the loan into a further delinquent status. Bank of America is in violation of th e National Mortgage Settlement of    XXXX  for failing to complete the modification and then transferring the servicing rights over to  XXXX . Bank of America has also breached contractual agreements by not solidifying loan modification terms.  XXXX   XXXX  has set a foreclosure sale date for  XXXX . I feel cheated and deceived by both Bank of America and  XXXX   XXXX , so I am seeking your assistance on this matter.
In XX/XX/2018, on the XXXX I think, my loan was sold to XXXX from XXXX XXXX. During the transfer my principal balance was inflated, a payment was not posted, late fees were assessed, and my monthly payment has increased. 

I reached out to the new company by phone and email. They claim to have fixed it all. They did finally add the payment and remove the late fees after a month. However, the initial transfer principal balance looks to still be in error and the monthly payment amount is still in error as well. 

Additionally, on the XXXX XXXX side I went to my old account to get more material to strengthen my ground for complaint but less than a month after the sale my records are no longer there for my access despite the account being active. XXXX XXXX did not give any overt warning that my only means of saving this information would be prior to the transfer. If I had not printed copies of my monthly payment I would be in a very poor position.
I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with XXXX XXXX XXXX on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of XXXX XXXX   XXXX have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from XXXX XXXX XXXX if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that  was dated the next day on XX/XX/2018.
XXXX XXXX XXXX $ XXXX/date over 6 years the second one portfolio recovery for XXXX  {$650.00} was victim from fraud in the past 8years ago
I 've been having continuous hardship and problems with paying my student loans. Every time my forbeforbearance period is over I get emails asking if I would like to extend my forbearance. I never knew I could be eligible for any income repayment plan. They have been reporting my loans late on my credit even when I 'm currently under forbearance which my payments are suppose to be deferred bits it 's damaging my credit and putting me in deeper debt.
Experian has failed to respond to several inquiries about collection accounts and also change my address, failed to confirm a debt, e tc. 1 ) I have sent experian more than 10 letters in the last seven months about inaccuracies on my credit report as they are reportin g a bankruptcy and  XXXX  collection accounts (   XXXX   XXXX   ) and  XXXX   XXXX   XXXX  ) that do not belong to me. I have never filed Bankruptcy. I asked them to verify this information and at first they would not respond. then they sent a letter saying thy verified. When I called and explai ned the county  could not verify it for me and I have documentation they told me to mail it to them which I did but nothing changed. In  XXXX  and  XXXX  they also added  XXXX  collection accounts that do not belong to me. I asked them to verify and they claimed they did. When I contacted the companies they did n't have the right person nor the right address. ( They did n't even have the correct state ) I contacted Experian via phone and mail and they have done nothing. These  XXXX  negative items are severely hurting m y credit score. Even with putting my correct address on my report has been an issue that takes 3 or 4 letters, 4-5 calls and copies of my lease, pay stub and drivers license.
Dear Representative, On or about XXXX/XXXX/XXXX I left several messages with mortgage servicer with no response back on the status of my mortgage modification. My contact XXXX XXXX and supervisor XXXX seem not be available to provide vital information requested on the update. Please have someone look into this matter as soon as possible. Payments have been made and yet no updates on this review can be obtained successfully. 
Respectfully yours, XXXX
I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed
Interest keeps going up and my loan is as much as what a house costs I do n't think the interest is correct and I am unemployed
Resently, I received another letter in reference to an apartment complex I lived in. I went to court because the apartment complex never fixed my ac unit that was out for 3 months. I went to court for dispossessory action against me for this apartment complex and I disclosed to the judge about a clause in the lease. However, I lost because I signed a separate paper created by the apartment to give me concession for the time I did not pay for rent. If I didn't sign the document then I would have be awarded claim. Nevertheless, I moved in XX/XX/2013 because I was assaulted in the apartment complex by 7 people. The apartment was aware because the security officer seen it and came to help. Furthermore, management property that was originally over the property stated to me that because of the lynching incident that I have a right to leave. However, I been receiving tactic letter for settlement. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.
I receive a letter that I was cashing check from XXXX in California which was not me through Certegy and I already file a police report would like to forward it to them I will attach my ftc and my local police report on this complaint
I made a purchase on Discover credit card for {$6000.00} to XXXX. The total amount paid to XXXX was {$31000.00} on XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem of services not being met on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time my problem was just ignored about the problem of services not being met. I was never able to talk with the owner. I was promised certain outlined items they would not provide and a guarantee if I did certain outlined items the company would stick with me until I made my money back. The company XXXX was shut down on XX/XX/XXXX by the Minnesota FTC for being a scam. The government froze all their assets. I have sent paperwork, invoices, contract, guarantee, multiple letters explaining the situation to Discover card. XXXX from the executive office reviewed the case. My request was denied. No specific reason was given. I was never asked for more paperwork to prove my claim. I received 2-3 letters and emails that were generated from a standardized form. When I contacted XXXX about those letters and emails he said he did not send them that they were just sent. That tells me that no one is really reviewing my case. The dispute committee is sending random letters and emails that they have no permission to send. These actions by Discover card are unprofessional. The dispute committee also took a week to get paperwork to XXXX that I had faxed. If I hadn't of followed up every week with XXXX he would've never received all my documentation. I still don't know if all my paperwork was received by Discover card because every time I asked XXXX for specific work he never answered me. This is so unprofessional and has caused me great XXXX. I still owe {$31000.00} to credit cards that were used to pay XXXX. I never made a penny on the services they provided in fact I ended up with {$5000.00} more in debt trying to do the program the way they told me to do it. Why should I have to pay for a company that is a scam and be left with thousands of dollars in debt. Discover card said they would provide a fair resolution. Zero is not a fair resolution. Thank you
Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents. 
Respectfully yours, XXXX