WillisBack/dataset-financial-user-claim huggingface dataset:
Please reference complaint number XXXX. When I disputed this complaint I had assumed you would get back to Honda, since they did not address my problem basically at all. Perhaps I hit the wrong buttons. In any event, I received an email which described my dispute as feedback and not a dispute, so here is a new/related complaint as it was submitted in dispute to referenced complaint. Thank you : A non-answer from Honda Financial Services ( HFS ) which requires further explanation. I never changed my address on my lease buyout and neither did the XXXX XXXX XXXX XXXX ( financed the purchase for the buyer ) or if they did I was never so informed. I did change my mailing address from XXXX XXXX to XXXX XXXX XXXX at the HFS website on XXXX XXXX, the day after car sale was completed, in anticipation of my departure for XXXX on XXXX XXXX. Perhaps the difference in amount charged was due to a change from XXXX to XXXX ( XXXX, some would say XXXX ; there is no state XXXX and neither does an XXXX address charge sales tax )? Obviously, I never moved to XXXX. I did make a payment electronically to HFS in the amount of {$340.00} on XXXX XXXX to get HFS off the back of the buyer who is also my brother-in-law and to allow release of the car title. So, the first thing that needs to be fixed is the return of the {$340.00} erroneously charged that I paid on XXXX XXXX. Secondly, as stated in my original complaint, consumers need to be protected from HFS which billed me in a letter ( scan attached to my original complaint ) which did not explain the reason for the billing, a company which makes it impossible to resolve a dispute with consumers who have moved XXXX AFTER complying with their instructions for paying off an auto loan. Thank you.
There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.
I co-signed for one $ XXXX total education loan thru Sallie Mae / Navient. After signing for one loan the company issued two loans, one for $ XXXX and a second for $ XXXX, under two different loan numbers totalling $ XXXX. The primary borrower has since made over $ XXXX in combined principal reduction payments which should have relieved me from the original co-signer responsibility. However since they issued two separate accounts, they billed and credited the second account enough to close it first, leaving the me as the original co-signer holding the bag on the extra un-disclosed amount. I have made several calls to Navient filing complaints about the second loan amount and the double accounting problem. They refuse to acknowledge any problem.
The XXXX XXXX XXXX acct. was not mine, although it is showing on my credit report. I was an authorized user for the gentleman who owned the account. He is handicap and sometimes I did his grocery shopping and banking when he got sick. He filed bankruptcy in XXXX of 2014
I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. 

XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. 

So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. 

Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. 

How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. 

They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.
My mother and I have been receiving repeated phone calls from a debt collection agency.     When they first called me, they were looking for my mother. Then they called her and told her they were looking for me. When I called them, they wanted me to provide my social security number and date of birth, which I refused to do.     They claim that there 's a " personal business matter '' that they can not discuss without my divulging the personal information.     The company is calle d Global Credit  and Collections. They called from  XXXX .  <P/> My credit is clean. No collector should be contacting me about any debts.
contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment.
Opened a HELOC with Ditech in 2007- set payment {$200.00}. Somewhere down the line it ended up with XXXX which was fine, then sold off to Greentree which was a constant problem so I started paying $ 1000-2000 a month just to get it over with but they refused to accept any more payments once I got 12 months ahead of the curve. Say what? You don't want my money? Anyways, Greentree apparently changed the terms of the loan and now I have an escrow account. Two years later I realized it wasn't going away because I was paying homeowners insurance and property taxes twice which ripped me off for over {$6000.00} cuz I wasn't looking. This is when I heard of Greentree / XXXX XXXX Class Action Lawsuit and suddenly I'm back with Ditech ( but with altered terms- escrow ). For the last 3 years I have tried to get Ditech to remove the escrow requirements since they are not my primary mortgage lender. Ditech finally did after some " legal intervention '' but now charge me a {$6.00} monthly " servicing '' fee and every year they force place insurance policies on my account and the phone calls start all over again. Hello year # 4. A simple XXXX search revealed a lot I did not know regarding how XXXX  suddenly disappeared during the Class Action and is now Ditech. Thus why I join the ranks of the growing dis-contentment in a public forum. I just want my original terms which I have in writing from 2007 honored and stop all the shenanigans to score a few extra $ $ $ from people who thought they could trust a contract. -XXXX
I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
Midland Funding targeted me by some how seeing that i was trying to buy a home. The day after my credit was pulled by my mortgage company they placed XXXX balances on my credit in attempts to drop my mid score. They listed fake dates, balances, payment history and that it was in reviewing status or " DISPUTED '' even though I had never even received a right to dispute. THEY WERE BEGGED REPEATEDLY to correct this and, even once given the opportunity to prevent this complaint, begged for this complaint be filed. They refused to provide me any of the information necessary to validate or substantiate this claim and failed to do so. I stand to lose XXXX in Ernst Money and they laughed as they continue to report with intent DEFRAUD ME OF MY RIGHT TO PEACE.
Credit is too old .should be removed from my credit after 7-10 years and it has been past that
XXXX switched to a new company called XXXX XXXX. My original agreement with the university was to pay quarterly. However this company has decided to make me pay monthly my quarterly amount. I tried to do automatic payments, however they make me pay my quarterly amount monthly which makes it 3x the agreed amount. Additionally they charge large for almost all forms of payment ( including one time payment direct withdraw from checking account ).

They also keep charging me late fees due to their own internal error of not being able to do quarterly payments vs monthly / failing to properly adjust the amount and now they reported my account within 5 days of being past due, despite my payment being only 5 days late.

This has caused undue financial burden and harm to my credit score and well-being.
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.
XX/XX/2015 both Bank of America and XXXX credit card balances were paid off by XXXX company in which I am paying them off in the form of a loan. The payments to the banks were considered a charge off and XXXX balances exist on both banks yet they are still leaving negative comments on XXXX, XXXX, and XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank. I am requesting that the negative comments be removed from my credit reports since a settlement with both banks was commenced on XX/XX/2015.
I spoke with a representative at XXXX XXXX about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop. 

EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )
I contacted XXXX XXXX XXXX to dispute a charge on my account from XXXX on XX/XX/XXXX. After a week, I found out that the dispute was never processed. So on XX/XX/XXXX another agent filed the dispute. The total amount of the charge was {$870.00} but I only asked to dispute {$400.00} of that charge. I was told that I would receive a letter in the mail from Capital One about the dispute and for me to send in any related docs I had to help the case. I never received anything, but 3 weeks later I get a notification on my phone that I had a deposit to my checking. The notification was that I received a deposit in the full amount of the disputed charge. I immediately called XXXX XXXX XXXX   and spoke with an agent and she informed me that XXXX credited my account. I asked her several times was this a provisional credit or a permanent credit and she assured me that it was permanent and that I did not need to take any further actions because XXXX decided to reverse the entire amount. Of course I was happy until a few weeks after that, I received a letter from Capital One stating that they were going to close the case because the merchant provided docs proving that the charge was valid. Again, I called Capital One to ask why I received this letter when I was told the credit was given from XXXX. A gentleman told me that the letter must be an error, but the credit from XXXX is a permanent credit from XXXX and that they can not reverse it. I asked him over and over again, was the credit a temporary credit and he ensured that it was NOT and that I can disregard the letter. Yesterday ( XX/XX/XXXX ) I receive ANOTHER letter from Capital One stating again that they are closing the case because the merchant provided docs saying the charge is valid AND that Capital One is reversing the temporary credit that was given on XX/XX/XXXX. So I called back to Capital One and NOW they are telling me the credit was only temporary. I am now VERY angry because this whole process was handled incorrectly! 
1. Capital One processed the dispute for the incorrect amount 2. I never received any letters from Capital One asking me to send in anything related to my case. 
3. I was told from 2 agents the credit that was on my account from from XXXX and NOT Capital One and it can not be reversed. 
4. I now can not escalate my dispute with XXXX because the t/f to continue the dispute with them has passed.
XXXX XXXX District XXXX Identification number XXXX judgement XXXX Address identification number XXXX They are stating that I owe then {$11000.00} on my credit report. I only owered {$1700.00} which ahs been paid. This wa from 2010. This has stopped me from buying a house because they have entered the number WRONG. I have tried for 5 years to get it right with XXXX.The other XXXX credit reporting agencies have deleted it. PLEASE HELP. HAVE it all removed today. 
Their address is XXXX XXXX XXXX XXXX XXXX KS XXXX
While I was a tenant at XXXX XXXX Apartments in XX/XX/XXXX, water came up through the drain of my kitchen sink and caused damage to the unit below me. I was not in my apartment when the incident took place and I had no knowledge of any plumbing issues that could cause water to come up through my drain. The XXXX XXXX feels as though I am liable for these damages. I disagree and have refused to pay despite multiple attempts to collect by XXXX XXXX. Ultimately I got my attorney involved and he reiterated that I would not be paying the alleged debt until a verdict was rending in favor of the XXXX XXXX proving that I owe the amount at issue. At that time XXXX XXXX indicated they were not intending to file a lawsuit. Instead they were going to going to continue to seek payment and ultimately jeopardize my credit. Earlier this year I was contacted by National Credit Systems , Inc. on behalf of the XXXX XXXX. Again, they were seeking to collect the alleged debt that had previously been dispute with the XXXX XXXX. I explained to the National Credit Systems representative that the amount had been disputed and I would not be paying. Last month, XX/XX/XXXX, National Credit Systems , Inc impacted my credit by reporting the alleged debt to the credit bureaus. Shortly thereafter I received a letter threatening me with a lawsuit and explaining my ability to get credit, favorable interest rates, or a home are now in jeopardy because they have reported the alleged debt to the bureaus. On or about XX/XX/XXXX, I reached out to National Credit Systems , Inc to inquiry how the alleged debt had been validated and what gave them the right to impact my impeccable credit score. I  was told the XXXX XXXX had provide a copy of my rental agreement and an invoice for the repair costs and that was all they needed, as I had failed to provide any documentation to the contrary. I explained that I did not need to provide any additional documentation as my stance is supported by the rental agreement that was provided by XXXX XXXX. I asked where in the rental agreement it stated I was liable for unknown maintenance issues, which I was told my rental agreement states the tenant is liable for all water damages. I can assure you that the rental agreement does hold the tenant liable for all water damages. Rather, section XII ( F ) of the agreement indicates that the tenant as the duty to promptly notify the Landlord of the need for repairs. Since I had no knowledge of the maintenance issue, I had not duty to notify them. Nor could I have.
Citibank sent me a prequalified offer for XXXX AAdvantage miles if I meet the minimum spend, despite previously opening an XXXX card with them a year ago. There was no 24 month language in the prequalified offer, so I applied and was approved. I requested them to honor a different targeted mailer they also sent me invitation # XXXX, they also refuse to honor that. 

Their dishonest practice tricked me into opening an account I otherwise had no interest in opening, which is why I closed it in the first place, by luring me in with a false bonus. This should be illegal if it is n't already, and they are violating the terms they agreed to when I submitted my application.
XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the  bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
XX/XX/XXXX I opened a dispute with Experian and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was 1000 dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All Experian updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. Experian has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.