WillisBack/dataset-financial-user-claim huggingface dataset:
Hello Sir/Mam, I opened a line of credit with XXXX XXXX through Synchrony Financial about two years ago to purchase an item. During that I was offer a promotion where I could finance the item for several years interest free as long as the item was paid off by the end of the promotion. A couple months after this purchase, I purchased another item under the same line of credit utilizing another promotion program. Till this I havent used the line of credit and have paid bill on time ( I was never late ). Unknowingly, when paying my bill the company did not advise me that my payments werent going fully towards my balance and never advised that I needed to pay additional payments so that I have successfully pay y balance prior to the end of the promotion as to avoid any and all interest fees. I recently checked my online account with Synchrony Financial ( because I have the bill paid on auto-payment ) to so have my account is looking and saw that the balance was {$1000.00} and the promotion was expiring on XX/XX/2018. I immediately became concerned because I have always paid my bill on time and complied with the promotion terms. I reached out to the company and receive no solution ; they stated that if I do not pay the balance off by XX/XX/2018, I will be billed approximately {$2200.00} in interest fees right away and hit with a large interest fee every month after. I believe the company should have notified me and advised me that I would need to pay additional payments on top of the minimum payment if I wanted to pay off the item before am I charged the interest rates. Please is there anything someone can do to help me, I am not refusing to pay my balance I am simply asking that Synchrony come up with a solution to avoid any interest charges. Thank you so much for reading this and I hope I can get help.
I made a wire transfer to Coinbase XXXX days ago. I contacted my bank the XXXX XXXX XXXX, which I believe is the XXXX XXXX, but they both claim the money went through a long time ago. I submitted multiple inquiries through email, twitter for days but no one replied. I tried to call them but they said they could not handle money transfer through the phone or do not even pick up the phone.
I do n't have an account with this AFNI , INC . 

AFNI , INC, XXXX, IL XXXX XXXX. 

AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.
I purchased a home in XXXX where my mortage loan was under 2 lenders. When the housing market crashed and the economy tanked my house depreciated in value significantly. I wrote to and spoke to both lenders at the time, XXXX ( the larger of the 2 loans ) and Countrywide. I hired a local realestate agent who explained the option of a Short Sale and informed me I needed to talk to my lenders. XXXX would allow me to move forward with a Short Sale on the house. Countrywide would not agree and said in order to do such a thing I would have to pay them for insurnce they bought for me for the house at {$30000.00}. I did n't have that kind of money and was expecting to be laid off as the compnay I was currently working for XXXX was financially failing. My assumption was correct and I was laid off. I did receive several Short Sale offers on the sale of my house that were even signifcantly high considering the market but every offer was turned down by the smaller lender, Countrywide. After being laid off I could no longer pay my mortgage and even vacated the house and left it clean and ready for sale hoping the banks would change their mind. XXXX did decide to forclose on me but Countrywide to this day wo n't foreclose on the loan and still shows on my credit report that I am missing a payment everymonth. This house sold in foreclosure for {$69000.00} in XXXX. My short sale offers were for more than double that amount of money.
i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them
I have been trying to get a collection account removed from my report. I have filed 2 different disputes with XXXX for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and XXXX   REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!
Trident Asset Management LLC was forfeited on XX/XX/XXXX. XX/XX/XXXX I received an alert Trident Asset Management LLC entered a derogatory collection account due in the amount of {$340.00}. In result of XXXX  dispute, Trident Asset Management back dated account to XX/XX/XXXX in the amount of {$340.00} with Original Creditor name being XXXX. Trident Asset Management LLC is not in good standing in the State Of Maryland.
I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XX/XX/XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a FTC fraud report due to the inaccuracies on my credit report with XXXX  XXXX  and Equifax.
I have been a customer of Rushcard since XX/XX/XXXX. On XX/XX/XXXX i received a refund over {$2400.00} to my rushcard from my Home Mortgage Insurance company. Rushcard immediately froze my account and labeled this matter as fraud. They would not even allow me to access funds i already had in the account before the refund was deposited into my account. i sent in proof of my identity and the insurance company sent in proof of this transaction showing it is legeit. Rushcard will not allow me still to access the funds that were previous in my account. i have XXXX kids to feed and i have no money because all of my money was on my rushcard debit card. Your help is greatly appreciated.
I have a school loan I have been paying to Navient and they seem to keep loosing my payments or can't find them. From XX/XX/2018 to XX/XX/2018 they said they haven't received my payments. I've been sending them payments by money order and I have all of my receipts from my money orders. This is the second time they have lost my payments. The first time was in XX/XX/2018 and they told me to do a forebearance for that. I have my receipt for that month also.
Equifiax XXXX XXXX XXXX are all reporting a balance of 1581 of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information
I opened an credit card with XXXX XXXX XXXX, and purchase furniture with the credit card. I have always paid on the account by due date which occurs the third week of each month. I recently began paying on the account the first of second week of the month because my pay cycle changed from biweekly to monthly. Approximately on the second month after starting my new payment preference, I began receiving alert email messages from company. I called the company to make an inquiry about the email messages. I was informed that my monthly payments were overdue and my name was reported to XXXX XXXX XXXX Collections Department. I expressed my disagreement with what the financial company was reporting, and had the company to view my account for payment history. The company pulled down my payment history and reviewed the payment history with me via telephone. What they had documented reflected that I had made the payments before or on the due date. When I asked why was I receiving alert emails messages, I was told they penalize customers for paying on their accounts if the date of payment exceeds 7 days prior to the due date. I requested my call be transferred to the company manager or supervisor in an attempt to have the resolve the matter. I spoke with XXXX XXXX, manager for Synchrony Collections Department. XXXX XXXX informed me that Synchrony Financial only accept payments 7 days prior to due date and that Synchrony had charged me late fees. XXXX XXXX also informed me that I would be charged late fees each month that I do not comply with their policy. I asked XXXX XXXX to direct me to the location in the written and signed contractual agreement where this policy is stated. XXXX XXXX agreed that this policy is not stated in the contract but it is Synchrony 's policy. I requested for all late fees be removed from my account and was informed that late fees would remain on my account. Since my conversation with XXXX XXXX XXXX, I have paid one of my accounts in full and closed that account out. I have two additional XXXX XXXX accounts remaining with Synchrony Financial. After this incident, I have reviewed all other accounts and discovered that account balances does not appear to reflect correct closing balances. I did not select XXXX XXXX XXXX as my preferred lending company. This company was selected by vendors. I do not liky Synchrony 's business practice and strongly believe this company need to be investigated for fraudulent practices.
I had a condo in XXXX XXXX, MS. That was destroyed during XXXX XXXX in XXXX. Greentree Mortgage was my mortgage lender. I only have a slab left from the condo. I paid my mortgage for many years after the destruction. I tried to work with them to decrease my payment or extend my loan. They would do neither. I got a call from them that they were going to charge me an exorbitant amount of money for their " full coverage '' insurance to protect their " investment '' from fire, etc. I told the representative, that it was a slab, nothing was left, that a fire would only improve the property. I went through all the representatives and supervisors. They threatened to foreclose on the property. This went on for several months, with calling at all hours of the day and night, threatening, etc. Finally, I spoke with them and the company would not modify the loan and said they would foreclose. I gave them my contact information and they said they would start foreclosure proceedings. Move forward to XXXX, and I find out that I still own the property and they never foreclosed. I went to the XXXX mortgage office and my original mortgage it still there. Now they have " Reorganized '' and have this lawsuit against them. I found out that they Charged off my account, but never foreclosed, now the property is in limbo. Who has my mortgage now? Ridiculous company, charged me tons of fee 's from everything from paying your bill on their system to all these charges, Who can even tell what the real mortgage amount is with this company?
Since the day   XXXX   XXXX   XXXX   sold my loan to Rushmore   XXXX   XXXX  , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew  XXXX  have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's  XXXX  yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on   XXXX   XXXX   XXXX  . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today   XXXX   XXXX   XXXX   says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my  XXXX  but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.
My current loan provider is Ed Financial. I consolidated my federal loans with them in XXXX XXXX. I have been paying my loans back on a graduated repayment schedule since XXXX XXXX. The payments increase every 2 years on this repayment plan. I had been on the year 8 ( payments XXXX ) repayment category when I went out on maternity leave in XXXX XXXX. I did n't make payments for XXXX XXXX and XXXX XXXX ( after discussing this with my loan provider ). At that point I had " paid ahead '' and did n't have payments due for 3 months. When I returned to making payments in XXXX XXXX, they returned to listing my graduated repayment " amount due '' in the year 1-2 ( payments 1-24 ) category. But I am paying at the year 8 category ( payments XXXX ) as I had been. Since I am paying more than what is " due '' per this reset calculation, they are listing my next payment due date as XXXX XXXX. I have asked that they place me into the appropriate payment tier for repayment, so that my payments will increase every 2 years on a graduated schedule. I was told that my payments will not increase every two years ( unless I remember to change my payment every 2 years ) since I am now considered to be " paying ahead ''. They told me that they just ca n't increase my monthly payment every 2 years and that this would " cause more problems and hurt more people that it would help ''. I explained that I wanted them to provide me with an accurate payoff date based on the amount I am currently paying, with an increase every 2 years. I told them that my goal is to pay off my student loans faster. They told me what I am asking them to do is " hypothetical '' and they do n't understand why I would want them to do this. They offered to give me a monthly payment of around XXXX dollars for the next XXXX payments. I told them that again, my goal was to shorten my repayment term, not lengthen it. And I pointed out that if I only paid XXXX dollars for the next XXXX payments, this would lengthen the repayment, not shorten it. After spending 2 hours on the phone, with XXXX different people at EdFinancial, I was left with being told to find my own amortization schedule online by googling it so see how I could pay my loan off faster and estimate the maturation date of the loan. They also failed to provide me with an accurate maturation date for the loan. They continue to provide me with a maturation date based on the payment tier they are listing me in ( years 0-2 ) instead of where I am currently paying and would be projected to increase every 2 years. I expressed my frustration and concern to EdFinancial and even requested to speak to a supervisor, who was actually the one who told me to look up an amortization schedule online myself. I explained to them that I have another student loan provider who provides me with payoff information in real time based on my current payment. Again, I was informed they could not provide me with this information.
I voluntarily gave the XXXX XXXX XXXX ( XXXX ) back their car, which is considered a voluntary repossession. This occurred early 2016. XXXX was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
Equifax continues to report unverified information, and refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
I am contacted at least 8 times a day by different phone numbers from the same student loan company. One that is received every night at XXXX EST. My number is from the the mid-west prior to moving to XXXX. The company is contacting me looking for my son who owes a student loan for Navient. I have told them how to contact him, and was told to give them their number to contact them. I let them know I would weeks ago, and I am still receiving the calls every single day. It is not my loan, and my son has also heard from them letting them know of his situation. These are the numbers contacting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The last number listed calls at XXXX.
Since XX/XX/2018 I received a bill from a third party PMAB , LLC stating that I must pay the balance of XXXX for an outstanding medical debt. I immediately took action in writing the company asking them to verify my debt, not once, not twice but three times. I was aware of the debt but I wanted them to validate the alleged debt with a breakdown of fees. Additionally under the Health Insurance Portability and Accountability Act ( HIPAA )  Im allowed to protect my privacy and medical records from third parties, and don't recall giving XXXX XXXX XXXX permission to release my medical information. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request was twofold validation of debt and HIPAA authorization. 
They never could provide a breakdown of fees including any costs and medical charges, nor a copy of my signature with the provider of service to release my medical information to them. However I asked them kindly to cease any credit bureau reporting until the debt could be validated by me. I sent mail certified each time allowing up to 30 days for a formal validation request, which I'm allowed to do so under the FDCPA. Which currently withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of FDCPA because they are deceiving me after my written request. Which was a full documentation of what they received from the provider of service in connection with the alleged debt. Time and time again after reporting this debt to the credit bureaus prior to allowing me to validate it has been violation of the Fair Credit Reporting Act, which can allow me to seek damage from a collection agent.
This number calls at least ten times a day and when I answer the phone I get immediately hung up on.
on XX/XX/2018 i received notification from XXXX   and XXXX that there is a collection on my credit, when i checked i noticed a collection charge from XXXX XXXX. This company has placed a charge of {$60.00} that XXXX XXXX has purchased looks like from XXXX XXXX.And has caused my score to dip due to this false statement by XXXX XXXX, i have no contracts what so ever with XXXX XXXX i called XXXX and they can't even see that i am a customer because i have no accounts with XXXX. This is fraud by XXXX XXXXg as i checked the internet many have reported scams originating in this manner from XXXX XXXX. They conveniently have placed a fraudulent charge and refuse to validate the debt because i don't have any contracts with XXXX. I expect XXXX to have XXXX XXXX remove this fraudulent charge ASAP wihtout delay i am hereby giving them 30 days if not removed law suit against XXXX XXXX and XXXX XXXX will be initiated.
I am unfortunate enough to have a mortgage through XXXX XXXX. They are very incompetent and dirty. I had my homeowners through XXXXXXXX XXXX and recently changed it to XXXX. I informed midland mortgage on XX/XX/XXXX that I was changing my carrier from XXXX to XXXX. I sent them the message, via email, with the new company and the new policy number. My old Policy did not expire until XX/XX/XXXX at XXXX, while my new policy became effective at XXXX on the XXXX. They never even read the email I sent to them. S now they are trying to make me pay for a {$1800.00} 3 month policy even though I have had homeowners insurance the whole month! They said I had to go to their website and update my policy, which I did, and it sent me to a third party site. I filled out all the information, but when I tried to submit the form, it would not do anything. it just sat there. It was not locked up because every time I clicked submit it went to the middle of the page. Once again, XXXXXXXX XXXX proves how incompetent they are.
I have not received a final response from Equifax because they are not responding to me. After months of attempting to obtain my credit report, I have heard nothing since submitting copies of my identification over XXXX weeks ago. 

I have received multiple notifications from merchants that my credit card information has been compromised and have been attempting for months to get a copy of my credit report. The credit reporting agencies appear to be manipulating the system to make it very difficult actually to receive a report. First, I attempted to get a credit report from the website. One of the required questions was the exact amount of the payment on a car loan that was paid off more than ten years ago. Next, I attempted to order a report by telephone and was told by the system that I had to write in. Then, I wrote in and eventually received a form letter claiming that my address was unknown. My address is a house that I own and have carried a mortgage on for XXXX years ; the mortgage itself - with my home address - is surely on my credit report. The response is wholly implausible. Nevertheless, I wrote in over a month ago ( XX/XX/XXXX ) providing, as requested, a copy of my driver 's license and my Social Security card. I have received no response. 

Equifax 's conditioning the required free credit report on information no one would reasonably be expected to possess ( the amount of the monthly payment on a loan closed for over a decade ), the claim that easily verifiable information ( the address of a house on which I have had a mortgage since 2002 and for which I have all the standard utility accounts ), and the failure to respond even after I have provided all requested documentation following multiple attempts over months - all while I have been told by credit card processors that my information has been compromised and I should check my credit reports immediately - is inexcusable and, taken together, raises strong inferences of a deliberate attempt to comply in form with the requirement to provide credit reports while in practice making it as difficult and burdensome as possible to obtain those reports. I also note that I have been offered " credit monitoring '' and other paid services along the way ( for example, " Equifax Complete '' ). I suggest that the credit bureaus be prohibited from offering paid consumer credit monitoring services in order to remove the obvious conflict of interest giving them every incentive to make it difficult for consumers to obtain the statutorily mandated free reports and drive them to the paid services.
Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so.