WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.
I lost my wallet my social security card and my greencard is in there please let me know if someone using my social security number
My wife of 4 years had substandard credit and I co-signed a loan with her for a new Honda 2 years ago financed through American Honda. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted American Honda and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate.

I would say that this approach by American Honda is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.
XX/XX/XXXX, XX/XX/XXXX along with a few before I got caller ID hooked up. I hadn't had my phone but a couple of days and started getting calls for my brother in law who I haven't seen for a long time, nor do I know where he is. It's a recording asking for XXXX and the same last name as mine. It says they have personal business with him and if this is the person press a #, if the person isn't able to come to the phone press a #. Or have him to call the XXXX back. Then it thanks me for giving him the message. There has also been messages left on my machine with the same recording. I looked the number up since it says toll free call and it comes back to Penn Credit. He doesn't live here nor has he ever lived with me.
We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.
Dear Freedom Mortgage, Your demand for {$2100.00} shows that you failing to credit moneys received. This brings the amount moneys you have demanded in the last 27 days to XXXX. Based on you letters and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose, so you may profit  from the foreclosure of loans and property. It is very clear that your company want to refinance this loan, the contestant barrage of mail to refinance and the calls to my employment to solicit me to refinance this loan. Assuming 3 days for mail your letter was not mailed before Wednesday the XXXX of XXXX, whereas the XXXX was a Sunday it is doubtful that the letter was written on the XXXX. I find your company actions to show that your employees are without integrity. 
Freedom Mortgage shall provide an accounting of all funds received and dispersed from the inception of the loan showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made.
I am a victim of identity theft. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U.S. Department of Education/XXXX, U.S. Department of Education/XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX
ME AND MY HUSBAND APPLIED FOR A XXXX FIRST TIME HOME OWNER LOAN I ATTENDENDED THE FIRST TIME HOME OWNER CLASS AND TURNED IN ALL OF THE REQUESTED DOCUMENTS TO THE LOAN OFFICER XXXX XXXX ( NMLS # XXXX ) AT XXXX XXXX EXT.XXXX.THE FIRST TIME SPEAKING WITH XXXX SHE ONLY ASKED FOR BOTH ME AND MY HUSBANDS XXXX FOR THE PAST 2YRS AND PAY STUBS AND DIRECT DEPOSIT AND BANK STATEMNTS FOR THE PAST TWO MONTHS. AFTER GIVING HER THESE ITEMS WE RECEIVED DOCUMENTS IN THE MAIL THAT STATED THAT BOTH OF OUR CREDIT SCORES WHERE ABOVE THE REQUIRED AMOUNT AND A COPY OF AN INCOMPLETE LOAN APPLICATION THAT WE WERE REQUESTED TO SIGN AND FAX BACK. THEN I RECIVED A EMAIL STATING THAT OUR LOAN WAS PENDING DECLINE FOR NOT TURNING IN ALL OF THE DOCUMENTS WHEN WE TURNED IN EVERYTHING THAT WAS REQUESTED BY THE LOAN OFFICER. SO I CALLED XXXX AND ASKED HER WHAT WAS GOING ON BECAUSE WE GAVE HER EVRYTHING SHE ASKED FOR AND SHE STATED THAT SHE DIDNT KNOW THAT WE HAD TO TURN IN ANYTHING ELSE. SO THEN SHE SENDS ME A EMAIL OF THE OTHER DOCUMENTS NEEDED SO I ASK HER HOW LONG DO I HAVE TO TURN THEM IN AND SHE TELLS ME BY FRIDAY SO I HAD 5 DAYS AFTER GATHERING ALL OF THE INFORMATION I HAD 3 DAYS LEFT XXXX EMAILS ME STATING THAT SHE ALSO NEEDS ME TO HAVE A ADDITIONAL {$2500.00} MORE DALLORS IN THE BANK FOR A DOWN PAYMENT WHEN SHE ONLY ASKED FOR {$2000.00} AT FIRST SO I WAS SUPOSE TO COME UP WITH THAT AMOUNT OF MONEY IN 3 DAYS. I EMAILED HER ASKING HOW CAN SHE GIVE ME A SPECIFIC AMOUNT OF MONEY I NEED FOR A DOWN PAYMENT WHEN SHE HASNT EVEN TOLD ME HOW MUCH I WAS APPROVED TO GET.NEEDLESS TO SAY XXXX WAS UPSET ABOUT ALL OF MY QUESTIONING AND DECIDED NOT TO ANSWER MY PHONE CALL IWAS TOLD THAT I HAD UNTIL FRIDAY AND SHE HAD SOMEONE ELSE CALL ME TODAY TO TELL ME THAT MY LOAN WAS DENIED BECAUSE OF MY CREDIT HISTORY NOT BEING SEASONED ENOUGH WHEN I KNOW THATS NOT THE CASE BECAUSE BOTH ME AND MY HUSBAND HAVE BEEN RESIDING IN THE SAME RESIDENCE FOR THE PAST 8YRS AND HAVE LIGHT WATER CABLE INTERNET AND HOMPHONE AT THIS RESIDENCE FOR THE ENTIRE 8YRS BOTH ME AND MY HUSBAND HAVE XXXX CREDIT CARD WHICH HAVE XXXX BALANCE ON THEM THAT WE USE TO PAY OUR UTILITY BILL MY HUSBAND HAS A GOOD PAYING JOB WERE HE MAKES AT LEAST $ XXXX WITH OUT ALL THE OVERTIME HE DOES I WORK XXXX IN THE SAME CAREAR AS A XXXX FOR THE PAST 6YRS BOTH OF OUR CARS ARE PAYED FOR WE PAY OUR INSURANCE AND ALL OF OUR BILLS ON TIME.SHE TOLD US THEY WOULD NOT ACCEPT OUR RENT RECIPTS SO WE HAD TO CONTACT OUR XXXX WHOM JUST PURCHASED OUR HOME BUT STILL HAS ALL THE DOCUMENTS THAT SHOWS OUR LEASE AGREEMENT AND THE LENGHT OF STAY AT THIS RESIDENCE ALONG WITH IF WE ARE GOOD TENENTS AND PAY ON TIME TO FAX OVER A HEADLETTER IN PLACE OF THE RENT RECIPTS. THE WOMEN NAMED XXXX XXXX THAT CALLED ME TODAY SAYED THE REASON WE WERE DENIED WAS BECAUSE OUR CREDIT HISTORY WASNT SEASONED ENOUGH THAT DIDNT MAKE SINCE TO ME AND I TOLD HER THAT SHE SAYED MAYBE I SHOULD TRY AGAIN AT A LATTER DATE AND I TOLD HER I WONT BE TRYING WITH CITI BANK AGAIN.
I have a Federal Supplemental Loan XXXX that was originally from XXXX XXXX but is now with Navient. For the last 2 years I have tried working with them on several issues and with each issue I am given information/instructions that I follow, only to be told later I need to follow different rules, etc. I have tried 2 times ( following their instructions ) to have the cosigner released, I have asked to have an income based plan and/or a rate reduction plan, etc., only to be told my loan is at a fixed payment amount that can not be changed. I have asked for a copy of the Master Promissory Note showing that payments can not be altered and have not received it. In addition, since my 2014 Bankruptcy my account has shown {$0.00} due - I have asked several times why this is so and when it will change only to be told sometimes it is being resolved, and other times they can not discuss it with me due to the bankruptcy proceeding ( discharge was in XXXX 2014 ). However, even though {$0.00} is due I finally had someone admit I would incur penalties, interest and fees if I did not make payments! 
In summary, Navient customer service tells me different information each time I call, does not supply the information/documents I request and refuses to work with me to lower my payments. Please help. Thank you -- XXXX XXXX.
As of XXXX/XXXX/XXXX, Equifax tells me that their extensive records of my personal information may have been stolen, putting me at high risk for identity theft. 

As a XXXX adult who is interested in making investments and becoming a homeowner soon, this is very distressing.
I am struggling to get the debt relief I am entitled to from a private loan I received while attending XXXX XXXX. The loan came from a private lender named " Genesis Lending through XXXX bank XXXX Through XXXX XXXX
I received an alert on my credit profile showing a hard inquiry has hit my credit report from a business in XXXX FL NCC. I have never received anything in the mail giving me a Chance as a consumer to dispute a debt or to prove me the debt is mine. This is unfair and unethical. This is a repeated pattern with all of the reviews I have read about this company. I contacted NCC immediately and they could n't not tell me anything. This has ruined my credit.
I logged in online to cancel my XXXX card, after I was told they are raising the fee. The online portal does not have a cancellation option. I called the number on the back of the card and was told that I could cancel until I spoke with a certain rep. I asked to speak with a manager after being on hold for over 25 minutes. They as well refused to cancel my account. It seems that the goal is to make you wait until you get tired and hang up and or yall to some shady sales rep who tries to get you to keep your card. This shouldnt be a difficult process and it should be able to be completed online and or by any rep who answers the phone, or at least a manager. Horrible company
I do n't owe this amount it has date of  XXXX  opened for {$100.00} I was never notified that I owed any amounts I could have provided proof and dispute it they sent straight to collections
I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.
I started my application with CrossCountry Mortgage  XXXX  of  2016. I thoug ht I was working with Sales Manager  XXXX   XXXX  but I was instead passed off to other sales assistants that were not properly trained and did n't have answers. I was given incorrect information, ignored and disrespected to say the least. This would 've been my first home loan and I had lots of questions. When I was able to speak with the loan manager, she was rude, loud and unprofessional. Although I sent in everything I was suppose to, I was told that I threw them curve balls and that I should find another lender.
by mistake my property taxes were calculated in XX/XX/XXXX without the homestead exemption. When we realized we were paying the double of property taxes, we went to our County office to get that corrected. In XXXX XXXX they corrected that and they returned to Seterus ( mortgage bank ) the money that we had overpaid. So we expected to get our money back ( {$1300.00} ) and to get a new escrow analysis because the payment for property taxes was not XXXX it is XXXX. We have called them several times and nobody has an answer for us. We also paid our flood insurance cash for ourselve and they continue charging us a mortgage payment with the wrong property taxes and with the flood insurance included. We are paying XXXX instead of XXXX. They are making us to fail in our payments because we are a family unable to pay that amount.
I have a PayPal credit account. The credit account includes credit from PayPal directly, and a link to my XXXX credit card. I once paid a PayPal credit bill using direct pay from my bank account. On XXXX XXXX, PayPal, without my consent, or any notice to me, debited my bank account for a PayPal credit transaction. I never gave authority for PayPal to ever directly charge my bank account.
Navient consistently misstates the amount due on my student loan, calls constantly including after XXXX XXXX, and sends emails stating my account is past due for days after my payment has been made electronically.
I submitted a complaint to Transunion about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!
My daughter lost her job ( and is still not working ) and was unable to pay her loan. I am the co-signer so Navient contacted me. My financial situation is not much better. We called Navient in XXXX and the representative was very helpful and said that she would need some materials but she would work to get our interest rate down XXXX It is currently at 12 %. ) and bring our payment down. She also said that we would not have to worry about the late payments because it would all be included in the program. My husband daughter and I submitted pay stubs and other documentation and waited to hear from Navient. After two weeks we did not hear anything so we called them. We were told that we were denied because my daughter showed that she was paying no bills. She was paying cash to her partner for living expenses at the time. Navient then asked for her apartment lease and copies of any bills that were paid by her. This was done immediately. Again, no word from Navient so we called them. This time the Navient representative was rude and condescending. He said that the deal was off the table because my daughter 's account did not work. She gave them all of the information so we did not understand what he was talking about. I told him about our situation and he said that we signed the loan and we had to pay it. I told him about how we were told that we qualified to get our interest and payment down and again he said the deal was off the table. I asked to get the monthly payments reduced and he said again that the deal was off the table. Currently we are paying {$430.00} a month. We were originally told that we would get a {$250.00} payment when they brought the interest down to a normal rate XXXX 4 % I believe ). It will be a struggle to pay the {$250.00} but it is a lot easier than {$430.00}. The explanation given to us by the rude Navient representative made no sense. Why would we be denied because of an account error? We were working with the representative to reduce our payments and then it is " off the table ''. I made the account current and have been paying the loan but I do n't know how long I can keep this up. Is there some way we can get the payments down in the {$250.00} range?
I purchased an item that I never received using XXXX XXXX 's website and it 's retailer credit card. I was told that the purchase would go into dispute, but someone made a mistake and it never did and subsequently the amount owed went past due and collected interest. It was then reported to the credit bureaus. I have since asked XXXX XXXX 's credit services to refund this amount, and again it is in dispute and has been reported in that manner. XXXX were cooperative and changed my information regarding that account accordingly. Experian, however, has refused to update the information and has left the negative information regarding my standing with XXXX XXXX despite having disputed it with Experian XXXX times. I attached the following letter to my latest dispute but they have responded by saying it was updated, but the information remains the same as previous.
I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.
I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX
I had a low income checking account with Chase Bank. I have been having some financial issues, and for the first time in my life over drafted with Chase at the beginning of XXXX. ( Over the course of XX/XX/XXXX + XX/XX/XXXX ). Chase reversed the fees. I explained part of the problem was that I do not have regular access to my email account. I need text message notifications if I overdraft. I used to regularly receive text message notifications, until they randomly stopped. They said that in the future I would receive text message notifications. 

The following weekend I over drafted with no text message notification for my over draft fees. Because of this I received 6, {$34.00} fees over the course of 2 days. ( XX/XX/XXXX and XXXX ). This totaled to {$200.00} worth of fees for overcharging {$120.00}. I called Chase to rectify the issue. They informed me that I had hit my limit on over charge reversals for the year, even though the week before was the first time I ever over drafted. This is because you get over charged for every small charge. This is more punitive for low income people such as my self. I only had one bank account. No savings. No credit card. So I received charges for negligible amounts of money that I could have borrowed from friends had I received notification my account was empty. Instead Chase charged me an excessive amount for overdraft fees. The person I spoke to the week before from Chase did not notify me that I was approaching my limit with fee reversals. I would not have thought to ask that since this was my first time. I am not sure what their limit is, but lets say its 10. Its very easy to get to that point when you are using a debit card for purchasing stuff that cost a negligible amount. They charge you multiple amounts a day. I explained this and also reiterated my frustration with the fact that I was under the impression Chase would start sending me text message notifications if I over drafted. If this happened I only would have been charged {$34.00} not {$200.00}. {$200.00} is an excessive amount for me. My paychecks are regularly less than {$700.00}. 

They only reversed one fee, so in the end I was charged {$170.00} for overdrawing {$120.00}. I closed my chase account shortly after deciding it would be safer to carry my money around in cash, risking Chase just deducting fees that could no longer be reversed. In addition to the fact that Chase should notify customers of overages with text messages they should also notify their clients when they are approaching fee reversal limits. When I used to be able to afford to maintain a savings account, I occasionally would get charged for exceeding withdrawal from my savings limits. Their customer support/clerks would notify me if I was approaching my limit for reversals for the year. This sort of transparency was very helpful to a low income person who trusted their limited amount of money with Chase Bank.