WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan from Wells Fargo to pay for my XXXX  XXXX XXXX in XXXX. I made the first payment in XX/XX/XXXX as scheduled. The loan is for {$36000.00} private at a rate of 8 % and a Federal loan of {$5000.00}. I paid Wells Fargo on time each month for ten years and then the loan was transferred to XXXX in XX/XX/XXXX. The paperwork I have says the starting balance was {$37000.00}. In XX/XX/XXXX the loan was sold to XXXX and the balance was {$28000.00}. I called XXXX this last month and they sent me all the payment information from the date that XXXX took over the loan. I called Wells Fargo for payment information from the inception of the loan and they deny that I ever had a loan with them as did XXXX when I called them even after I explained that I was looking at a total accounting of the payments I had sent them. Using an amortization table I found on line I estimate that this loan should have been paid off over three years ago with what I have been paying each month. XXXX says I still owe {$19000.00}. I strongly suspect that when Wells Fargo rolled the loan over to XXXX ( which I believe is owned by Wells Fargo ) they started the loan over again - but when I questioned them about the loan they deny I had one with them.
on XX/XX/XXXX I did a promotional offer on my XXXX card for {$290.00} for deferred interest for 1.5 yrs. My minimum payment went up and I was assuming that XXXX like other lenders was applying my payments to the promotional balance in such a way as to ensure that balance would be paid off first. They weren't. I have 99 days left ( due on XX/XX/XXXX and I have a balance of {$250.00}. I do paperless billing. If I had not clicked on a link I would have never seen that I will shortly be incurring a {$100.00} charge in interest that would cause me to go overlimit and start incurring overlimit fees and potentially late fees as I struggle to bring my account current and not-overlimit. 

This is deceptive payment allocation practices and when today XX/XX/XXXX I contacted XXXX I was informed of their policy which is to apply only amount OVER the minimum due to promotional balance ( I didn't realize that so their disclosures if there we any, are not obvious enough ). This practice seems very deceptive and encourages their consumers to get into overlimit situations which can also impact their credit. Set up to fail!
I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.
Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with Equifax, XXXX, and XXXX and it remains on my credit file.
TruHome Solution LLC I purchased my home in in XXXX through XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Mo.XXXX ( XXXX ) XXXX and over the years it has grown and owns a company to service their mortgages. My home owners contract clearly states that the company would pay my insurances and taxes out of an escrow account. For 12 years this went fine. In XXXX of XXXX I got calls and letters from my home owners insurance company and the XXXX ( XXXX XXXX XXXX XXXX ) that is ran by FEMA about my no payment of my policies. I was confused. I have never dealt with these matters. I called XXXX XXXX XXXX at XXXX XXXX. XXXX in XXXX XXXX to investigate the matter to see what the problem was. They called their mortgage servicing company TruHome Solutions LLC XXXX. XXXX XXXX XXXX, Ks. XXXX ( XXXX ) XXXX and for 6 weeks, I called and called and no one could find an answer to why my premiums were not paid like the many years before. I got one person after another giving me all different answers. By this time I had been cancelled by the home owners insurance and FEMA for my flood policy. After almost months of lying TruHome Solutions admitted that it was a human error that caused the premium not to be paid. This error by TruHome Solutions has all but ruined my life. My home owners policy went up and my FEMA policy is now {$1300.00} more per year I received a notice on XX/XX/XXXX from TruHome Solutions that my mortgage payment would increase in XX/XX/XXXX by {$170.00} dollars. This is ridiculous. I personally talked to FEMA and was informed that I had been under the original policy for so long that it was fixed until I move or the loan was paid off. This {$1300.00} is until the loan is paid resulting in me paying an extra {$26000.00}. This type of gross negligence is unacceptable and I don't have {$26000.00} because of a mistake that was made by someone at the mortgage servicing company. To think that a company would even consider this is totally unacceptable in the eyes of fair business. Since it was the company that caused the problem, it should be the responsibility of the company to make it right. Not with just me but with every customer who ever conduct business with them. I have went through months of calls, letters, and not to mention hundreds and hundreds of dollars to try and make this right. I have gotten new elevation certificates, hired surveyors, called The Corps of Engineers, FEMA, the mapping agencies and the XXXX  .Nothing was to any avail. XXXX XXXX XXXX and TruHome Solutions should be reprimanded but the Federal Government for unfair practices and violating a contractual issue. The contract is a law abiding document and to upheld to the fullest extent of the law.
My mortgage is not even late until XX/XX/XXXX. Today on XX/XX/XXXX, I received 3 calls from their auto dialer from mortgage collections. I set up my bill pay for XX/XX/XXXX, but it's probably delayed because of the weekend. Constant calling from an auto dialer before my payment is even late is abusive and violates fair debt collections practices.
I have been in litigation with Barclays Credit Card for fraud revolving around false representation of Account Protection.I had payed for years into Account Protection and when I lost my job they did not pay as stated. They filed a judgement against .. 
2013 .It was suppose to be dismissed in the court and it is still active on my credit report
I opened my NAVIENT account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX, XXXX and XXXX of XXXX I was late with payments, XXXX, XXXX, and XXXX. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by XXXX  that my credit scored dropped 8 points due to late payments on my Navient account. When I called Navient they informed me that I was late on payments in XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by XXXX because my credit score has not gained its 8 points back.
Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, XXXX is reporting my mortgage payment late to the tune of 180+ days past due. 
I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : XXXX has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I  contacted XXXX, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXX XXXX, ( contrary to the no paperwork verbiage listed on XXXX website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted XXXX twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. XXXX replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Please note the reason I am filing this dispute with your agency is because I was unable to locate an option to report the following issue on Equifax 's on-line dispute website. In connection with the possibility of financing a vehicle through my financial institution, the Bank ran a credit report through Equifax on XXXX/XXXX/XXXX. The report reflected a score of XXXX, with reasons stated for such score as : ( 1 ) level of delinquency on accounts, and ( 2 ) too many consumer finance company accounts. Due to this low score, the interest rate I had been quoted before the report results and after the report results was much higher. Needless to say, I was devastated and in complete disbelief as to how my score had dropped approximately XXXX points. My credit score has always been in the XXXX range. I have the upmost integrity in paying my bills timely and take pride in having exceptional credit. The retail company accounts on my credit history have been closed for years with the exception of XXXX credit card I keep open. I understand from my bank that there have been no credit inquiries since XXXX. I obtained my annual credit reports and scores in XXXX, XXXX at which time my score was XXXX. I do not understand why my score has dropped to the XXXX 's since XXXX of XXXX. I adamantly dispute such reporting by Equifax. I am requesting Equifax remove the negative comments it placed on my credit history and reinstate my credit score to a minimum XXXX immediately. Thank you for your assistance with this matter.
Franklin Collections is reporting on behalf of XXXX XXXX XXXX stating that I owe XXXX for a past bill. There only supposedly bill for a month that I had already cancelled the service, I moved out in XX/XX/XXXX at that time the service was cancelled and the equipment sent back. XXXX XXXX XXXX was aware that I moved. Yet they allowed Franklin collections to unlawfully collect place on my credit report with out giving me a chance to dispute or rectify. I have not recieved any call or mail concerning this account yet it is on my credit report.
I have been denied by housing authority because they say I have a eviction on my credit from last year I was never evicted I 'm currently still living on the property I was late on rent and had to XXXX dollars to the general session court..on my credit report it says paid..is there anyway I can get that off
I co-signed student loans for my oldest son in XX/XX/XXXXthru XXXX. Then co-signed loans for my youngest son in XX/XX/XXXXthru XXXX. Both loans are now being serviced by Navient. 
My youngest son decided to consolidate all his loans thru XXXX XXXX. They have assumed his loan servicing as of XX/XX/XXXX. When I look at the loans on Navient 's website, they show still due. I talked to a Navient service rep who said I had actually signed loans for myself and I was still responsible for paying them. So Navient now says that the college must have double billed for his loans and I need to check with the college. In other words, my youngest son is paying off his student loan thru XXXX XXXX and Navient expects me to pay off his student loans, too!!! How did we get billed twice for the same amounts?!? I did n't go to school or receive any money but someone charged us twice for his loans and Navient expects me to pay back loans that I supposedly signed for that were for his student loan also! Navient says I did n't co-sign, I actually signed a " Parent Plus '' loan that is in my name alone, according to them. When I look at my account at Navient, it shows every loan for both sons as " Parent Plus ''. I did n't agree to that. I only co-signed. On the very first loan my father actually co-signed but they 're still saying the loan is in my name only. I 've seen all the lawsuits and complaints about Navient and now understand why!
I applied for a XXXX vaccum cleaner through Preferred Credit they gave me the product and I received 2 letters stating that I was not approved 2-3 days after I received the letter I Called and asked them to pick the vaccum up they never came so now they are reporting this on my credit report still have the vaccum still in the box just want this off my credit report
When I applied for this card XX/XX/2016, it 's headline feature was an offer of XXXX Frequent flyer miles on it 's affiliate, XXXX.The feature was listed in the magazine ad that induced me to apply for the card. This specific feature, {$1000.00} of spending in the first three months after card issuance would generate XXXX FF miles, was then and is now advertised in the seatback pocket of every XXXX XXXX seat of every XXXX XXXX flight. It also was and is the first listed feature on the card website, theexplorercard.com. I set about meeting the minimum spending requirement of {$1000.00} in the first three months ( {$1300.00} total on my first XXXX statements starting immediately when I received the card ). I waited a month expecting the additional XXXX frequent flyer miles to appear in my XXXX XXXX Mileage Plus. When the miles did not appear, I contacted Chase ( the card issuer ) and inquired. I was told that my account was signed up for a different offer ( XXXX FF miles for {$2000.00} of spending in the first three months ). This was not the offer I had seen in any advertising. I had asked about the XXXX mile offer when I applied for the card on the phone indicating that those were the terms of the offer I was seeing. 
As a result, even though I met the conditions of spending {$1000.00} in the first three months, I will receive no frequent flyer miles for that feature. This appears to me to be a bait and switch offer since I never saw any advertising depicting the altered terms. I let them know what offer I was seeing when I applied and the predominiant advertising still touts those terms. When I appealed, my appeal was rejected. Although, this is a annual fee card ( {$95.00} ), and I spent the required dollars ( and could have spent the {$2000.00} spending requirement if I had been properly informed ). I have no frequent flyer miles to show for my actions due entirely to bad faith on the part of Chase.
on XX/XX/2016 XXXX paid off my balance to CHASE credit card. of $ XXXX.they, chase rep. confirm the payment and I owe no money to them.i keep getting bills from chase chase .keep insisting that I pay $ XXXX.my account remains open dispite the fact I told them to close it in XX/XX/XXXX ..their interest rate is too high../credit card number is XXXX.
Chase Mortgage has reported a late payment on my credit report. To my knowledge, I have not been late in over a year. They are giving me conflicting information, hard to get ahold of the escalation manager on my case and then sent me a letter saying they have been trying to get ahold of me when I have been the one calling them multiple times and leaving messages. I have made my payments using their website. They have transferred my mortgage to XXXX and now I no longer have access to my online account, taking away large pieces of information I need to properly dispute this negative credit reporting in XX/XX/2016. Proof has been submitted and still rejected by them.
I have received several calls from XXXX, on behalf XXXX, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including ( XXXX ) XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks XXXX
I have a Federal student loan in which has been in forberance for years now and i was currently enrolled in this program due to lack of funds over the years. Now on XX/XX/2017 i was still enrolled in this program, Nevertheless this company XXXX reported me as 90 days late payment in which completely ruined my credit alltogether. And to make matters worse they're increasing my student loans by thousands of dollars it was orginally XXXX and now its changed to XXXX thats makes absotely no sense. XXXX increase in interest over a matter of months is unheard of and beyond me. I've on numerous occasion called and called and they even verified they had my wrong contact information and phone number, basically stating it was an company error, however they refuse to report the correct infotmation to the credit bureuas and have these late payments removed!!!!!!!!!!!!!!!!!!!!!!!
On XX/XX/2018, I received an alert on XXXX that there had been a change on my credit Equifax report. When I went to the site, I found that XXXX XXXX had posted that my credit could be " affected by natural or declared disaster. '' of course, living in the XXXX of North Carolina, I am not in any such area. I contacted XXXX XXXX and did not get any response. I contacted XXXX and Equifax and neither will remove that statement. Since any XXXX search of my zip code ( XXXX ) should reveal that I am not in any disaster area, can not understand why this was not a simple fix. Apparently these large companies will only pay attention to other large companies, so I need your help.
All my credit card accounts are set up on automatic bill pay that offer the option to automatically pay the minimum amount due ... except Bank of America. So, not having information on how to accomplish a minimum payment automatically, I checked the minimum listed and added {$5.00} to it. Well, yesterday I received an email saying my payment was past due and was charged {$16.00} for a late fee. Upon calling them today, I learned that they had upped their minimum payment without notifying me so my payment was not accepted and I was charged. This is the second time that Bank of America has charged me an unfair fee. The first was with their changing the due date by 5 days without notifying me and claiming it was because there was a different number of days in the billing cycle. I did find out that there is a way to set a minimum payment but you have to go to a totally separate page that I was never told about to do it nor were there instructions on the page to set up auto pay.
Received an alert from Experian that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.
Was involved in auto accident XX/XX/2016, determined not at fault. third party insurance claim filed and insurance company missed payment to XXXX emergency physicians. Received notice of collection from creditor after settlement. Reached out to insurance company to pay debt which was completed. Company still has not removed debt from their records.
I bought my home in XXXX. There was a first lien and second lien on my home. In XXXX I lost my job and could not pay the second loan. The second loan was XXXX and now it 's XXXX. After speaking with my mortgage company at that time ( XXXX ), who holds the collateral, I was told that I could not lose my home if I continued to pay the first loan. I have struggled to make my payments to keep from losing my home. It 's been 12 years and now Real Time Solutions sent me an eviction citation with intent to foreclose on my property. They are the second loan which the banks have already written this judgement off but yet they are coming after me. I have a court date to go before the judge, Thursday, XXXX XXXX, at XXXX XXXX. I need help! I have nowhere to go! So unfair. The original company for second loan was XXXX, acct # XXXX, then sold to RTS. XXXX XXXX XXXX holds the collateral, acct # XXXX.