WillisBack/dataset-financial-user-claim huggingface dataset:
I attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges.
My information on Equifax was hacked because they did n't do a good job to protect it.
In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!
I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them.
This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start
This is the second request to have this erroneous item removed from my report. Previously on XX/XX/XXXX, I requested to have collections that's presently listed as XXXX XXXX XXXX completely removed as this doesn't relate me. However on XX/XX/XXXX, I received an update from Experian regarding their results. What they did was adjust account type to remove the word " collection '', adjust the status to remove all previous details, and lastly remove all the blank payment history section.
I sent Experian a certified let ter on  X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five years ). Even E xperian has corresponded with me through my updated address.
SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 
ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.
I went to my BB & T bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/18 at approx. XXXX ET to deposit a check from my home insurance company so I can begin work on my home after last months catastrophe. The check was in the amount of {$7700.00}. I went to the only teller available and was told that BB & T would not accept the check because on the back it was stamped with " Without Recourse XXXX XXXX XXXX XXXX By : Assistant Treasure signature. I explained the scenario to the teller that this check was originally sent from my insurance company to my mortgage company to make sure the funds would be used for the catastrophic repairs. I escalated the issue to the Branch Manager and he concurred with the teller that BB & T would not accept the check. I called XXXX, they were kind enough to educate me on the process of this sort of check and advised me that the language used on the rear of the check was standard legal language that is between XXXX  ( the mortgage company ) and myself the homeowner. In addition, XXXX suggested that I contact BB & T once again and have the branch contact their compliance team. I called the XXXX BB & T at approximately XXXX ET number for assistance and the representative advised that this decision is decided at the branch level. I asked if she could at least call the branch and have the branch contact the compliance team so that we could settle this issue. The BB & T rep from the XXXX number reached out to the branch and the representatives at the branch once again stated that they will not honor the check and that their compliance team will support that decision.
I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit and had NO idea I had done so. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.
Mountain Land Collection Agency, " XXXX, UT '', has garnished my wages for a medical bill and now they have sent a collection notice for the same bill that I have been garnished for. I have called this agency and asked if there was any more dept, they said they could not find any. This agency has a reputation for trying to collect on a debt twice. Being dishonest. Please help.
My mortgage was recently sold to a company, LoanCare, and they have been taking my weekly payments and not applying them towards my monthly statement. After the first month I called and spoke to a representative who said he would reallocate the funds and note my account. Even though all of the funds were received by LoanCare well in advance of the due date I was charged a late fee. I called again to get this late fee reversed and was told that the customer service representative I was speaking to was unauthorized to reverse fees. During this same call I discovered that LoanCare still had not credited my statement despite cashing the checks I was sending. Again I requested that the funds ( all paid well before the due date ) be allocated towards my statement and was told that this would be taken care of and requested to speak to a manager who was able to discuss and reverse the late fee. I was denied speaking to a manager and was instead given a voicemail where I left my name and number and a brief message requesting a return call, this has not happened. I attempted to follow up on this request by calling customer service and was placed on hold for 45 minutes with no response.
I called Experian on several occasions because i noticed unauthorized hard inquires on my credit report for random creditors and sources. 

Experian refused to allow me to dispute any of them, i was told i can not dispute hard inquires with experian by customer service and management and was told although i did not make them i will need to wait 2 years until they fall off. 

Experian has been mixing my credit report with someone else, they had my name spelled wrong in about 5 different variation and added other peoples address on my report, places i never lived or even heard of.
I had a beauty procedure done in 2011 and paid the full bill before they would let me leave the office and then 3 years later I get a bill saying i hadnt paid enough. Ridiculous and i will not be taken advantage of. I contacted the company at the time i recieved the eronious bill and also placed a complaint with the XXXX. Please remove from my file immediately. 
Thank youXXXX XXXX
Equifax mishandled my personal information which has led to a data breach that puts myself and millions of others at risk. They decided not to securely handle this important data with proper authentication, encryption, or storage. Sensitive info, like my SSN, now has the potential to end up in somebody 's hands that will use it to steal my identity and potentially ruin my life. 

I am extremely upset with how Equifax has handled reporting this breach as well. Very little was done to notify the public after the breach was detected. I had to find out about the breach from second and third hand sources on social media, as I received no notification what so ever. This all is an undue burden from a company that I have no choice of doing business with, as they are a vendor to my credit companies. Equifax has displayed the utmost negligence and lack of remorse. Their executives even cashed out stock before announcing the breach to the public so they would n't lose too much money, which is truly shameful.
On XX/XX/XXXX two of my family members were contacted by XXXX XXXX to inform me that I should be home to sign for a package on XX/XX/XXXX The packeage was to arrive in between XXXX XXXX  and XXXX. ( No package arrived ) I got the number that they left with my brother, so I called. I talked to a XXXX XXXX. He said that my outstanding debt from HSBC bank is going to be taken to court and I was being sued in a few days if I don't settle. This debt, which I do not recall ; is supposedly from XXXX. The total is {$2800.00} with late fees and other charges. The original debt supposedly was XXXX. They said I could file for hardship and pay less then what the original amount due. I did not pay or agree to pay anything. I told him I wanted to investigate this matter further. Mr. XXXX said I had to the end of Thursday XX/XX/XXXX to get back in touch with him or the suit will be filed. I feel this is a scam and had a similar call from a company in the beginning of XXXX for the same HSBC bank in wich I paid over {$700.00} to clear. I also feel this was a scam by a different scammer.
I worked as a manager for a cell phone store. The cell phone store issued me an american express card to purchase items for the store. The LLC should be responsible for the debt, not an employee.
I am a new citibank banking customer, I deposited {$15000.00} into a new Savings account and am unable to link an external bank account which would allow me to transfer funds back out of the account. I followed all steps online to link an external account, however when I try and make a transaction with the external account I receive the following message : We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option XXXX then option XXXX, or call XXXX XXXX if you are outside the U.S . Please have your AT

M or Debit Card number available. I have contacted Ci
tibank 5 times on the phone for this matter and none of the agents have been able to assist or find the problem. I have been told that my account is marked for fraud and have been sent to the fraud department three times, each time I validate my information and they tell me they can not help and transfer me back to technical support. 

After being sent in circles, I requested a supervisor callback, was told I would be contacted within an hour and never was called back. I called in 8 hours later, spoke with another supervisor, XXXX, who was extremely rude, she talked over me, interrupted and told me I needed to call back and talk with someone in the fraud department the next business day. After telling the supervisor, XXXX, that I had been sent in that loop all day, she told me she couldn't help and ended the call.
A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.
In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX. Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XXXX XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to XXXX during the transition period. XXXX XXXX XXXX already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked XXXX to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. XXXX agreed and supposed to fix their claim against late payment from our side. Apparently XXXX did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report
In XXXX my husband and I defaulted on an unsecured loan from our local bank. The XXXX was put into receivership with the FDIC, and its assets sold. Our defaulted loan was sold to XXXX XXXX XXXX, XXXX. One month later it was sold again to XXXX XXXX XXXX XXXX, XXXX. Then in XXXX XXXX it was sold again to Lakeland West Capital, LLC. In XXXX of XXXX we were served notice that we were being sued for this debt, by XXXX XXXX, representatives of Lakeland. 

I contacted XXXX XXXX, XXXX XXXX, in XXXX XXXX and paid XXXX then to stay the case, and had a conversation with XXXX about being able to pay the balance in near future, if a reduced payoff could be negotiated. He said it could. He emailed me requesting agreeing to {$700.00} now/ $ XXXX month. I sent XXXX. When contacted about new payoff XXXX XXXX, he responded with XXXX I replied that the original debt sued for {$4300.00}, less {$700.00}, should be more like XXXX. Asked for recalculation, with no further response. 

I then called XXXX XXXX, collections for Lakeland. The phone was answered " XXXX ''. Thinking I had dialed in error, hung up and called back with same response. I left VM, and emailed her. Over the next few emails I asked for reduced payoff again, a detailed statement of what I owe, what interest rate they are charging, is interest still being charged, and how my payment was applied and how do they arrive at XXXX for the pay off. She replied that they had paid XXXX in legal fees to XXXX XXXX. and that the payment was applied to late fees and back interest, nothing to the principle. 

It seemed odd to me that a car finance company is involved in my old loan, so I started XXXX. It appears that XXXX, XXXX XXXX and Lakeland all share directors and presidents that are all interelated, and involved in scores of debt " investors '' companies. I feel that they sold and resold my loan to each other to inflate the fees and costs associated with my debt. Furthermore I feel XXXX is in collusion with these people in setting a " payment plan '' with no terms, no explanation of how the payments are to be applied, no explanation the INTEREST is still ACCRUING BY THE DAY, how much the interest is or anything else. In my opinion the XXXX XXXX fees are inflated because the summons indicated that XXXX other debtors were in the same batch as my case. 

Am I supposed to pay XXXX a month FOREVER? In every other instance of setting up payment arrangements, even with credit card companies, they stopped charging interest, and were flexible in the payment amount. When I told XXXX XXXX that I could do maybe XXXX and XXXX a month, his response was Lakeland want XXXX or nothing. 

What can I do? 

Thank you,
In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet.
I am reaching out to you in regards to accounting issues with XXXX XXXX XXXX. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with Neuheisel Law Offices. Upon transfer to XXXX XXXX XXXX an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XX/XX/2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, XXXX XXXX XXXX is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.