WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX. My student loan was forgiven in XX/XX/2015, Since that time and earlier, I lived on {$750.00} per month social security and SSI XXXX per month. Nelnet is trying to collect my forgiven loan by stating it was re-instated. My income did not increase more than {$5.00} over the years. Every since my loan was forgiven scammers have tried to collect it from me and of course their interest is astronomical. I went to Nelnet 's website to complalin and they require a social security number. I am not giving my social security number to anyone. My doctor has filled out additional paperwork to prove I am XXXX no less than 3 times. I refuse to ask him to do so again because it does no good. How can a loan be forgiven, then out of the blue be reinstated? It was forgiven! I am still XXXX. No cure has been found! I have XXXX XXXX. 
Here are their addresses : 1. U.S. Department of Education Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX 2. XXXX XXXX XXXX TX XXXX XXXX and XXXX XXXXXXXX Then, XXXX XXXX XXXX All of this in one letter to me. I feel I am being harrassed for the 20th time from someone trying to get money out of me. That loan shows paid on my credit report and I don't want these people changing that. All these years I have lived on the little cash I had except for my car loan and I don't want them messing up my credit. Please help me. I do not want to make my doctor fill out paper work for this forgiven loan for the 4th time. The student loan webiste says 3rd party collection is not them. I refuse to give someone I do not know my social security number. I have been hacked more times than I can count. Can you please resolve this. There is no good reason my forgiveness should be changed. If forgiven, isn't it forgiven? Thank you so much for your time. I feel those of us XXXX are constantly being harassed for student loan money. Seems too that our forgiven loans keep getting sold to different scammer pennys on the dollar. When I was forgiven, I believed that to be true. It was at one time.
On XX/XX/XXXX I opened a 72 month loan of {$19000.00} through Capital One Auto Finance. I was quoted an interest rate through their auto navigator of 12.17 % to 19.31 % APR. At the end the sale, the dealership informed me that my interest rate was going to be 19.31 %, which was very high compared to previous car loans ( 12 % on the last loan I had through CapitalOne and 8 % on the previous on I opened in XXXX from a credit union ). Going from an 8 % interest rate to 19.31 % is a pretty big jump. Not only has this high interest rate, which I feel could be classified as a predatory lending practice, made it much harder for me to keep on track on payments, it has made refinancing impossible. As I ca n't refinance I ca n't lower my payments to get out of the high interest rate. Earlier last month I had attempted to refinance the loan with Northwest XXXX and XXXX. Both denied my loan primarily because the value of the auto exceeded the current amount due on the loan. XXXX specifically told me on the phone that the car was valued in the mid {$9000.00}. This is pretty upsetting because the car lost most of its value in the 1.5 years I have had the car - a car I bought new. Additionally, I feel that the dealer ( XXXX ) and Capital One Auto Finance decided to charge a high APR for the sole purpose of profit. As of today, compared to what I have paid in the principal, I have paid twice as much in interest ( {$4900.00} ). I have paid {$2400.00} so far towards the principal. This has put me in a very difficult situation, where I am attempting to repair my credit score after a divorce. Rolling the loan into a new car loan would only worsen this cycle. Overall, this issue has made it hard to manager the auto loan, which has resulted in a XXXX late fees in the last year.
XXXX XXXX made initial contact on XX/XX/XXXX left a message, I returned call she threatened me with wage garnishing, jail, and quoted an outrageous amount owed of some crazy amount from XX/XX/XXXX. I never owed that on any credit card in my life. I had my card stolen and the charges were taken off is the last thing I remember about that card. this is a scam and they are trying scare tactics and calling my office and threatening to garnish my wages with no proof of the debt. when asked for proof of this debt he changed the subject. I am reporting this because it reminds me of the irs calls I was and still am getting threatening me with going to jail and levying my bank account, etc. I am very upset and would like some help with this matter. thank you
I applied for my AAdvantage card XX/XX/2016 after a flight attendant sold me the benefits. The flight attendant advised that the first bag flies free, plus up to XXXX additional bags for people who are traveling with me. I advised the flight attendant that I would be traveling to XXXX XXXX for my honeymoon and asked if my bags would fly free - she said something along the lines of, " Congratulations! Yes - this card would be perfect for you. '' So I took out the card. 

Then, right before my honeymoon, I called in on XX/XX/2016 and advised Citi that I was going to be traveling overseas, and would be using my card ; I then asked how to go about having XXXX XXXX waive the checked bag fee. They advised to inquire with them at the kiosk/bag check in area to have the fee waived. 

Then, when I went to check my bag as well as my wife 's, I was told " Sorry - the free bag benefit does not apply to international flights. '' This completely contradicted what I was originally told twice ( both by the flight attendant and Citi phone rep ). I had to pay, overall, {$100.00} for our bags ( $ XXXX for the flight there, and $ XXXX for the flight back ). 

I have already called in and tried to resolve the issue on XX/XX/2016. The phone rep advised that he can issue me XXXX airline points. This {$5.00} equivalent is really an unacceptable remedy to the issue.
I contacted Transunion on XX/XX/2018 at XXXX to inform them that I am a victim of the current inquiry issue. The representative by the name of XXXX refused to assist me with the removal of the unauthorized inquiries on my credit file.
I have gotten 2 collection calls from the NP group saying that I took out payday loans. I do n't remember getting payday loans. They said it was sent to a XXXX account and then I closed it to avoid paying the loan back. It took forever to get any paperwork from them they never told me it was an attempt to collect a debt. I paid them for one of the loans and luckily XXXX is taking care of it. Everything I call it does n't matter when number I call from or call to I get the same guy named XXXX. I feel like this is a scam and the government needs to investigate this company. The paperwork they had they said they would only email they do n't use the mail since it 's to slow and they want to close out the file they never told me the company the loan came from or what website I went to for the loan just that they got the file from XXXX. I found a number for them and it just keeps saying that they have. great offer from XXXX
I sent an investigation request to Experian over two months ago. They were supposed to respond within 30 days, but they have not.
Liens Reported Date- StatusUnknown Amount {$1100.00} Case NumberXXXX CourtBEAUFORT CNTY RECORD THIS WAS EXSPONGED BY XXXX COUNTY I SENT COPIES OF CONFIRMATION OF ACTION TAKEN BY XXXX COUNTY EXPERIAN IS STILL SHOWING IT AS ACTIVE OTHER CREDIT REPORTING COMPANIES HAVE REMOVED IT FROM MY RECORD
We started a refinance with openroadlending. We have good credit and was able to get a new mortgage easily in the last two months. We were just interested in lowering our truck payment. They have lost documents, sent me emails that were sent for others. They do not know what they are sending out or saying most of the time. They asked us for our award letters for our pensions. We sent copies. Then they asked for a copy of our bank statement to show they went in. Now they want tax documents! FOR A CAR LOAN. Talking to the supervisor, I find out that they do not even understand what a defined benefit pension is, or how it is paid out. In the process, they have lost one of the award letters with our social security numbers on it. The service has been terrible, and the loan terms changed through out the process. We had started another refi with them and the loan terms also changed from what we had agreed on. That is only a few of the mistakes made by their " loan specialists ''. I want their inquiries on our credit report removed and I think they need to seriously be investigated. I Have multiple emails from them with many of the mistakes they have made. I also want all our documents returned! I seriously  wonder who is stealing our information at this point! XXXX and XXXX XXXX
By my mistake I made an online bill payment ( Through PNC Bank ) paying one bill in lieu of another. I attempted to place a block or stop payment online while the funds were still " pending '' status but the online system told me to contact customer service to continue. I placed a call to PNC Customer Service whom advised although my account online said the money was " pending '' the money was in fact out of my account and with the company.
I have several inquiries on my credit that i didnt authorize and do not recognized Ive reached out to TransUnion about them and was told they do not dispute or remove inquires
My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation.
XXXX XXXX is signing up consumers for their Platinum card under false pretenses. I have now had the card two times. First in XXXX and now beginning in XXXX. The first time I signed up for the card I was offered a sign up bonus of XXXX points after spending a certain amount ( I believe {$3000.00} ). At the time I was denied the bonus because they said I signed up not using the right weblink and code. This was ridiculous since I did everything I was told. I tried the card again this XXXX because they are supposed to offer excellent benefits, however they defrauded me again saying I am not eligible for the bonus since I have had the card in the past. I understand they are dissuading consumers from attempting to open multiple cards to accumulate bonus points. However this doesnt apply to me. Each time I paid the $ XXXX yearly fee. Both times I was defrauded by XXXX XXXX. I contacted the company several times and they wont listen. XXXX XXXX even went as far to say that their records did n't go back long enough to verify whether I got the bonus in XXXX or not! They believe they are untouchable because the average consumer doesnt have the resources to file a lawsuit. Please help me with XXXX XXXX! d
I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.
In XXXX 2013, my attorney filed small claims case. It was agreed in front of judge and stipulated in order that " Entry of Judgment would be deferred so as long as I was not late on a payment more than 7 days. We both signed it and went our way. I have paid this attorney for last 2 yrs. I tried to get a home equity loan and was turned down, stating I had a XXXX judgment against me that should have never been in credit report. I want this removed. I have an order from the court dismissing this and I want it OFF my credit as the credit reporting agencies reported it in error.
After 5 long arduous years, I finally managed to pay off my Discover card. Or so I thought. I contacted Discover to ask for the exact final amount, which I paid right then and there. I then asked to closed my account. I was transferred to " Account Retention '' where I spoke with another agent about closing my account. After listening to a litany of reasons why I should stay with Discover and keep my account open, I declined everything and asked ( once again ) to close my account. I was then told that I could n't do that ; that the account could n't be closed, only " inactivated. '' After several minutes of argument about that, and being told it was pretty much the only thing I could do, I had to accept this status. Little did I know that Discover 's version of " inactivated '' was very different from mine. 
Fast forward a couple of months, and now I am receiving notices from Discover that I have pending charges for late fees and interest. You can imagine my surprise. While the charges are still small-ish, the principal of it all has angered me enough to contemplate legal action, which I do n't want to do. 
I contacted Discover again, and expressed that I was not going to pay the charges due to their inherent lack of customer service, and their not following my initial request to close my account. I asked that they remove the charges, and stop contacting me going forward, otherwise I would take it as harassment. 
I would like to know what type of recourse I have in this situation. I do n't want this affecting my credit score, and while the amount is small, I do n't want it suddenly exploding into something more significant due to them compounding costs. They really are crooks in my opinion, leaving me ( the customer! ) with little choice but to continue to pay them for something I did n't want in the first place! What can I do in this situation?
I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.
Ive been trying to build my credit for 7 months now. I 'm now XXXX XXXX XXXX and still a little naive to this kind of stuff. But, a couple of days ago I decided to check my credit score and saw that it said under " public records '' there was a balance of {$12000.00}. Now I 'm not sure if it means I have to pay that. But what I do know is that there 's a year that number corresponds with. The year is 2010, in 2010 I was XXXX XXXX XXXX. I think there 's a mistake because there 's no way that has anything to do with me.
I have numerous unauthorized inquiries on all three of my credit reports ( Experian, XXXX, XXXX ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX Experian : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; CXXXX/XXXX   XX/XX/XXXX
To Whom It May Concern : On or about XX/XX/XXXX, I received notice that the school I was currently attending, The XXXX XXXX XXXX XXXX, filed Bankruptcy, Chapter XXXX. 

Monday, XX/XX/XXXX I received my bankruptcy letter in the mail.

Wednesday, XX/XX/XXXX at the end of my XXXX  class my teacher informed my class that there is a letter that can be signed by us students saying we were told all of our options ( I didnt receive a letter that day ). 

Monday, XX/XX/XXXX at XXXX XXXX I emailed XXXX XXXX who was the head of the XXXX XXXX department, about setting up a meeting for Wednesday, XX/XX/XXXX at XXXX XXXX  to discuss the school closure and student options. 

XXXX XXXX responded on XX/XX/XXXX at XXXX XXXX to confirm the meeting for Wednesday the XXXX at XXXX XXXX  Wednesday, XX/XX/XXXX I had a meeting with XXXX  XXXX. In the meeting, I was informed of different ways to handle the school shut down and going over credits that I would have to transfer. I also received the student options paper that my XXXX teacher mentioned at the end of class ( the paper was not signed ). The Loan discharge was not a topic we talked about during the meeting. 

Wednesday, XX/XX/XXXX was the first day I noticed that the school started to liquidate. I went to attend the school computer lab, the doors were locked and the computers were getting packed up. 

Wednesday, XX/XX/XXXX. XXXX  department and other departments of the school were being liquidated. The school was giving away XXXX  uniforms and other XXXX. 

Tuesday, XX/XX/XXXX was supposedly the last day of full my full XXXX XXXX XXXX class. My teacher XXXX  XXXX notified the class to let us know to just come back on Wednesday, XX/XX/XXXX at XXXX XXXX to take our hour-long final. The classes were originally supposed to last until XX/XX/XXXX and the school officially closed at the end of XXXX. 

My original plan was to graduate from the XXXX XXXX XXXX XXXX   XXXX  with a XXXX XXXX XXXX because of the school 's convenient location from home and its XXXX XXXX XXXX XXXX XXXX XXXX opportunity. 

After getting the news, I realized that my current registration status would not allow me to complete a degree before the XXXX XXXX XXXX XXXX  closed its doors permanently on Saturday, XX/XX/XXXX. 

I have attached the required application for a loan discharge along with the Chapter XXXX bankruptcy letter that I received in the mail. I have also attached the option letter that was offered to me in XX/XX/XXXX. None of the option were reasonable or affordable for my residential status. 

I was unable to complete the full program because of the schools closure and all of my hard earned student credits are not transferable. 

Unlawfully, the XXXX XXXX XXXX XXXX, XXXX Virginia continued to receive my federal student loan payments after filing for bankruptcy.
I 've received several phone calls from XXXX XXXX of ERG collection threatening me to make arrangements to pay for a loanfrom 2010. I 've asked for proof but they will only send me proof if I agree to make payment arrangements. Since I 'm entitled to the information, I 've refused to make arrangements until I get the information, they 've repeatedly called my job, leaving her XXXX number. It 's very disruptive and unprofessional. I 've asked to stop calling the job but they wo n't.
I have a loan through Prestige Financial Services. I purchased the vehicle in XXXX, XXXX XX/XX/XXXX and relocated to XXXX XXXX because of medical issues after a car accident. The car then broke down and I was told by the mechanic that the car was a salvaged vehicle. Due to prestige telling me XX/XX/XXXX that they will finance the repairs, I decided to stick with the vehicle even after being told by the mechanic fixing the vehicle that I would be better off getting rid of the vehicle because of the underlying issues. In XX/XX/XXXX I became delinquent due to some unexpected and unforseen expenses. I have told Prestige repeatedly that I would love to keep my vehicle and even have given them dates that I could pay. Their response is a refusal to accept anything less than the total amount due and repeated threats to garnish my wages and take me to court. Not once did I say that I would n't pay, I 'm just having a hard time coming up with the total amount due at this time. One of the supervising collectors have even told me that I should give him all of my income information and also my bills so that he could arrange them since I obviously do n't know how to handle my finances. All of this has caused me stress and I feel as if I 'm on the verge of a XXXX due to their harassment and threats with a garnishment for a refusal to pay though I never told them that I would n't pay. I 'm not asking that they move a payment and I know that my interest rate is crazy high because this is a predatory loan after I filed bankruptcy. I just put another {$300.00} in repairs on this vehicle that I should n't have had to have repaired for a while after purchasing it. The threats with garnishment and lawsuits is unbearable and unbelievable considering that I 'm not refusing payment, I 'm just asking to have them broken up until I get back on my feet.
My mortgage loan was sold from XXXX XXXX to Loancare starting XX/XX/18. I made XXXX 's payment with XXXX XXXX on XX/XX/XXXX which they state has been transferred over but Loancare still says they have not received that transfer. I have been going back and forth between both companies trying to figure out what I can do to resolve this issue. They both kept telling me not to worry because I have a 60 day grace period before the payment is actually considered late. I have 15 days left until that 60 days is up and neither company have resolved anything. I have sent proof of payment via e-mail and talked to a manager at Loancare. The last thing I was told to do from Loancare was to get a print out of my transaction with XXXX XXXX from my bank for the payment made on XX/XX/XXXX and then send that via e-mail. That has been done and I am now waiting on a response. I ended up making a mortgage payment for the month of XXXX as well as XXXX on XX/XX/18 because I don't want any payments to be late. I have now made 4 payments for 3 months. I took out roughly 3,500 out of my savings just to make these payments for XXXX and XXXX since nothing has been resolved regarding the payment I made for XXXX on XX/XX/XXXX. I have been dealing with this for about a month and a half now and have definitely been losing sleep over it because I feel like there is nothing I can do. My XXXX levels are at an all time high because I have been working on building my credit for a couple years now and would hate for a payment to be considered late which is why I ended up just making the two payments on XX/XX/18. All I want to do is make my mortgage payments on time which I am fully able to do. It should not be this hard and stressful to make a payment on time. Every time I call either company I am being treated like I am trying to get by with something and everyone keeps telling me to not worry about it and that it will get resolved. I am very disappointed that neither company can figure this out and that I feel like it is up to me to correct this issue that is between them. This is very discouraging considering this is my first house I have ever owned and finding out THIS is what I am going to have to deal with from now on. I have had to take time away from my job several times to sit on the phone with both companies on many different days. This has caused enormous stress in my life that is not deserved. I can't wait until this is figured out if it ever will be.