WillisBack/dataset-financial-user-claim huggingface dataset:
I have a student loan with Navient, and there is just so much to speak about this. 
First my interest rates were ridiculously high, when I started to repay my father and I paid XXXX dollars every single week for 2 years and we had no idea how they allocated payments over the course of XXXX private loans as well as XXXX federal loans. 
My student loan debt was around XXXX. we have paid XXXX dollars every month for 2 years when it became too much to handle we spoke on the phone with them for weeks because when we received statements they were very unclear to read. Sometimes they would even allocate most of my money towards my federal loans and then my private loan balance went up, I would have to call them and then they would claim there was a mistake and promised that my payments would be back-tracked to the original date and interest did n't occur during those times but who knew if they really allocated them to the right time. Which at almost 10 percent interest on a {$200000.00} loan if just 2 weeks of non-payment means another XXXX or so added to the overall cost of the loan. When they corrected their problem I truly do n't think they backtracked my payments and removed my interest that occurred during that time. After a lot of calling and bothering they allowed me to enroll in a cheaper interest plan if I enrolled in auto debit. which I did which I was never told of until 3 years into paying XXXX a month. now I am enrolled in auto debit I do have a better interest rate im not sure why they never told me about this plan, Also they have messed up a handful of times and promised that they would re-allocate my funds in a timely manner and on their statements theres no way of seeing this allocation. 
There are a good handful of times that they have not set well with my father and I and I see now that our feelings were correct. 
Also we always paid our loans weekly, im not sure they even allocated our payments weekly during the few years before I enrolled in auto debit. I just would like to see some type of action on this company. Thank goodness I have my father that somehow knows about huge loans or else I would be lost just like a ton of student borrowers. We have paid about XXXX towards XXXX/navient and my total loan has gone down only XXXX XXXX dollars.
I paid the account in full for the amount of {$160.00} on XXXX XXXX XXXX. Still, the account was placed in collection for the amount of {$170.00}. I disputed the charges with the credit reporting agency, Transunion, in XXXX XXXX but they refused to close and remove from my credit report. 

XXXX and XXXX were provided the same information and has resolved the issue however, Transunion has failed to do so.
I received a certified letter from Key Bank XX/XX/2016 informing me that my account would be closed. I called the number provided, XXXX, and was told that my account indeed would be closed and they chose not to tell me the reason why. For over thirty years I have used this bank through its different iterations, from XXXX Bank, through First Niagara, and most recently Key Bank without any problems. A similar event ( the threat to close the account ) occurred in the change from First Niagara to Key, however seemingly it was resolved by my branch bank which is now closed. I do n't know why Key Bank would not want my account since I have not changed my banking habits for over thirty years. The implication is that I have abrogated the rules of banking. If I have done something illegal, I should at least be told and given the chance to defend myself.
Repeatedly calling my number numerous times during the day, according to the FDCPA they can not continually call. Three times they called within 8 hours.
This was removed before by all the rest of companies but for some reason TransUnion is still reporting it on my credit report
Second time again, Wells Fargo has put a hold on a payroll check deposited into an atm again. Check was deposited in the amount of {$1800.00} on XXXX. Receipt of Check said funds would be available on XXXX/XXXX/2016. Now on XXXX/XXXX/2016 an email was sent that funds will not be available until XXXX/XXXX/2016. No first {$200.00} was made available. Called Banker who I spoke with a lady named XXXX and stated a REFER TO MAKER OF CHECK just like the last time. But according to bank last time after resolution it was because of overdrafts and insufficient fees ; which were cause on their part. Account was in good standing past 2 weeks except for that I had to pull out the {$200.00} that on XXXX/XXXX/16 due to no funds available. Causing me to pull the {$25.00} out of savings that I was trying to save up. Which I am in overdrawn balance of {$160.00} If I would have known this would occur again. I would have went to a check cashing place like I did 2 weeks ago and paid the cashing fee to cash the check. 
Wells Fargo is placing the holds and not trying to clear these check faster as causing an inconvenience. I already have scheduled payments that I set up one time future payments for bills. 

As Consumers we need better rights and protection to access our money faster and not placing these longs holds for almost 2 weeks.
During my time at XXXX, I took out federal loans for my education. Some of that time I was on academic probation due to my goal and was told to appeal for my loans. The full loans were taken out but I was only given a portion of the loans to cover school which is why I had to look in to private funding. Now it is reporting on my credit that I 've maxed out my federal aid and have to repay it. As of right now all my loans are serviced through Navient. I am paying for XXXX school out of pocket and will be liable for this debt after I graduate.
I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you.
My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.
I Called into Chryslers cap back in XX/XX/XXXX to get an extension on my car loan. I went through the process with the rep over the phone ending the call believing my extension was granted. A few weeks later I received a letter stating my car was going to be repossessed because I was more than 30days past due. I brought the account current and call Chryslers to see what the issue was. I was told that my extension was denied, this was news to me as I never received a letter or call stating this. XX/XX/XXXX my mom as XXXX, I need to put her in XXXX credit was pulled and Chrysler reported me 30 days past due TWICE! I called and was given incorrect information including the wrong email address on file. They claim my daughter chatted my daughter doesnt have ANYTHING to do with the car payment PERIOD! My email is XXXXXXXXXXXX and XXXXXXXXXXXX. I receive emails from Chrysler all the time how could they have a XXXX XXXX XXXX is beyond me and is their error. When I called back in XX/XX/XXXX the rep ACKNOWLEDGE that I was given the improper information for the extension. I was also told that one of my calls didnt get captured! I never received an email now I understand why. I got off the phone believing I was okay. I paid my account current soon as I realized. I just didnt think how this would hurt my credit, and now my family. Chrysler is already charging me a 24 % interest on my loan now theyre continuing to hurt me even further by not capturing the correct information when their customers call in and need help. I will pay off this loan and I will never deal with this company again.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the XXXXReport and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX. This 2nd tempt to remove the items and requesting a freeze.
Ive informed the collection company multiple times that this debt is not mine. Ive fought it and have not been provided any paperwork that would validate this debt. Ive never had a XXXX account. On my report it also shows a balance for creditor and collector which I believe is a violation!!! 

The company is Diversified consultants!! 1
I have a Lowes Credit Card, managed by Synchrony Bank. Account # XXXX. When I made my purchases at Lowes I was not tgold there was another company involved. I was in a XXXX accident XXXX XXXX XXXX. Since that time until this week, I have been in a XXXX and an inpatient in a XXXX XXXX Hospital, XXXX XXXX, XXXXXXXX. I am a XXXX Resident. On XXXX XXXX XXXX my father called the credit XXXXcard comopany, and after I authorized him to speak on my behalf, attempted to pay off the balance of the principle, and asked for an accomodation, forgiving the interest of {$1000.00}, on a bakance of {$3500.00}. We were transferred to 6 diffenent offices, and after 1 hour 15 minutes hung up on. This is a dedceptive practice. My father was doing the talking and is helping write this complaint. I want gto pooay off the principle balance, and cancell ghe card, they will not cooperate.
I just received an add in the mail from Discover Bank offering loans at a rate of XXXX percent for terms up to 84 months and monetary amounts up to XXXX dollars. On XX/XX/2018 I applied for a loan from XXXX for XXXX dollars to refinance a current loan. They stated they could not do this because I was paying off a secured loan and they were strictly issuing unsecured loans. A little later I tried to get an unsecured loan for XXXX dollars for a term of 84 months for home improvements.  The rate they came back with was 14.99 percent. When I asked why the rate was so high since I have very good credit they stated it was because it was an unsecured loan ( the only type they were giving out ). They said the best rate they could get me on that amount of money was 10.99 percent for 36 months. 


The problem with this is all the advertising they have is for rates of 6.99 percent for terms of up to 84 months and monetary amounts up to XXXX dollars. There is acutually a chart showing this breakdown on one of the main pages. I want to know who actually qualifies for rates and terms anywhere near these advertised rates?
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!
I need your help in order to get in touch with my bank and try to solve my problem. I would like my XXXX XXXX XXXX to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$350.00} on XXXX/XXXX/XXXX. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me.
Hello, I am  XXXX  and receive  XXXX  from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My  XXXX  source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession.     I wrote a complaint before about charges I did n't understand from  Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is  XXXX   XXXX  this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.
XXXX University signed me up for classes without my knowledge. I was under the impression that I was waiting on a student loan to be approved. I had told them this. When the loan finally went through, I emailed them to register for classes. They never responded. 

They sent me to collections for tuition never paid for the classes they registered me for without my knowledge. I told the collections company that I had never registered and provided them with my correspondence that was never addressed. They acknowledged the error and told me they 'd tell the original creditor. I thought it was resolved. 

Today, three months after talking to them and providing proof the debt was not legitimate, I found out they have been reporting this to the credit bureaus.
There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
US DEPARTMENT OF EDUCATION has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My student loans are suppose to show closed on all credit reporting companies. I have contacted XXXX XXXX and Equifax who also controls XXXX XXXX etc. about this several times now and the information is not changed. I have in front of me written proof from XXXX, the USA Dept. of Education as well as XXXX XXXX, a collection agency that works with the Dept of Education that my loans are suppose to show closed as I am under the XXXX umbrella. I am not able to upload the supporting documents but can easily mail copies from the government agencies above.
On XX/XX/2018 I received a credit alert from XXXX  that a new collection account has been added to my credit file in the amount of {$1000.00}. The company is Capio Partners/XXXX XXXX XXXX. On XX/XX/2018 I sent a validation letter by certified mail via USPS to this company requesting that the debt be validated and requested that all communications be conducted by USPS. On XX/XX/2018 the validation letter was delivered to an individual at Capio Partners office address. Between XX/XX/XXXX and XX/XX/2018 the account was removed from XXXX and XXXX. At that time I was not disputing the account with the credit reporting agencies directly and after Capio Partners received the validation letter requesting validation of debt per the Fair Debit Collections Practice Act and the Fair Credit Reporting Act the account was removed. Capio Partners was not reporting to XXXX at the time, As of XX/XX/2018 I have not received any communication from them through USPS as  requested validating the debt they claim I owe. I believe that XXXX XXXX is being negligent in reporting to XXXX  an account that was requested to be validated by me per FDCPA and FCRA. This company has directly affected my credit worthiness with possible lenders.
I sold an item on ebay, in my description I specifically stated that i do not accept refunds or exchanges. The buyer reported to ebay that the item was defective so ebay refunded the money to him. The buyer then returned the item to me and I discovered that the item was not defective at all. Ebay and paypal are now trying to bill me {$250.00} dollars for this discrepency. I feel ebay ruled in favor of the buyer without all the information and even false information from the buyer.
I purchased the car in XX/XX/2016. at the time of purchase we agreed on my trade in plus $ XXXX.the finance guys over financed {$1500.00} in my loan. I have over looked the docs. Now when I review the original docs and notice the error. 

here is the math {$2500.00} + {$1400.00} ( payoff on my trade in ) + Dealer fee {$1000.00} = {$4900.00}. I did not purchase any additional warranty product. 

when I noticed my financing docs. it's showing I am financing over {$6400.00} I have reached out to the dealers with no repose. 

dealer 's name XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX
When viewing my Experian XXXX XXXX, 2017 credit report under : report-summary > account-summary > P3 I see I have a total : 1 open account 15 collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to see my XXXX  account Status : " Negative '' The same page also states " Experian has no closed accounts on file for you as of XXXX XXXX 2017 '' Finally I reach the Account-details Tab Where my XXXX XXXX account is reflecting a 60 day past due payment ; so now I 'm really confused! XXXX never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report Experian reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading. I 'm providing a copy of my XXXX XXXX payment history. Along with my credit report, as I have viewed at Experian.com
My mortgage note was recently tranferred from XXXX mortgage servicing company to another. It was with XXXX XXXX XXXX, but as of this month it is now with Shellpoint Mortgage Servicing. I have an interest only loan based on XXXX rates. The rate for my last payment to XXXX was XXXX. My payment was XXXX. My mortgage is {$250000.00}. That has been pretty consistent for the past couple years. My current rate under Shellpoint is XXXX, yet they debited {$1800.00} from my checking account for XXXX, approximately {$1000.00} more than what should have been debited. I canceled the automatic debit and contacted their servicing department. They had absolutely no explanation why they were debiting {$1800.00} from my account and why the same was scheduled for XXXX. I asked several times to speak to a manager. They could n't give me anyone to talk to. I was put into voicemail. I tried calling again the next day and had the exact same results. I am currently trying to refinance with a local bank, but I feel that {$1000.00} was stolen from my account by Shellpoint and that they had every intention to do it again in XXXX. I need help getting back the money they stole from me for XXXX. I 'm at a loss right now as to what I should do next.