WillisBack/dataset-financial-user-claim huggingface dataset:
I have been experiencing a nightmare with my vehicle loan with XXXX. There was {$4600.00} added on my loan due to mandatory insurance although I have shown proof of insurance. My vehicle have been in storage for over a year there is no reason for me to have full coverage on my car. Due to this XXXX being added on my account my monthly payment has skyrocketed. I have late credit reportings on my credit report which is truly making this even more of a nightmare.I have sent in documents by fax which they have told me they have never received although I have a confirmation page that it was sent. I fell sick with XXXX and was hospitalized and fell behind on my payments due to the increased amounts needed, and have been getting terrible customer service. They told me to send in a hardship application with proof that I was in the hospital which I have done and now have been experiencing bad customer service from the delinquency department. Manager XXXX XXXX and one of his reps spoke to me in a very condescending tone, spoke over me, was not helpful on XX/XX/22. I just want to get this situation resolved so I can pay the correct amount and become current on my loan without the bad customer service.
I contacted Diversified Consultants IncXXXX on XXXX/XXXX/XXXX concerning new information on my credit report from XXXX in the amount of {$460.00} that was opened in XXXX XXXX. I have not lived in an area that XXXX has serviced in about 5 years. I told the representative that this date was incorrect and that there is no way that this can be correct, I asked for the original bill to be sent to me to validate this amount and the date. The representative told me that my credit report would only show when they bought the debt and reported it, not the original date which I know is not true. I told the representative that that is not true and it should always reflect the original debt date and not the date they decided to make up. I was then passed on to a " supervisor '' who tried to feed me the same garbage. I asked numerous times for the original bill to validate everything, I was told that they do not actually have any bills and would have to request one from XXXX. The " supervisor '' told me I would be sent a bill and tried to hang up on me when I stopped him and told him he would need my address if he was going to send me the bill. At that point the " supervisor '' then said " oh, I was just about to get that from you. '' Once I ended the call with Diversified Consultants Inc. I called XXXX to see if I could get the bill. The XXXX representative told me that the original bill was from XXXX XXXX and that they no longer have any bill, the representative stated the bill was given to Diversified Consultants Inc. At this point I am being denied my right to validate this debt and if neither company can verify the debt with an actual bill then this should not be on my credit report at all.
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
I received a letter regarding an MBNA credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.
I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late  reportings removed from my credit file. 

There are 3 XXXX of XXXX Accounts that are reporting inaccurate late payment.s
It was on Thursday XX/XX/2015. Car Finance, our auto loan company, called our home at XXXX, just as we were going to sleep. This was very aggravating and disturbing.I had already advised them it would probably be two weeks before I could make my next payment, I resent this kind of harassment at such a late hour!
We have attempted to leave several messages, emails regarding this account. XXXX is currently in the United States XXXX and I am personally paying on this student loan and they are threatening to send it to the XXXX
Midland Credit Managment h as a collection under my name for credit card debt in the amount of {$180.00}, which has a settlement offer of {$110.00}. I called to get more information and possibly pay online after proper verification but was not satisfied by their response and their insistence that I pay over the phone. Before hanging up, they asked if they could call me to which I said "  No '' .     After terminating the call I was able to determine that the representative who I spoke with made false claims, including that the collections would be added to my credit report when the debt has already exceeded the statute of limitations and was recently removed from my credit report. Now I understood their insistence and possibly their reason for lying and was not longer going to pay until I was given proper verification.     The following day, I was contacted by the same representative, again claiming that this would add the collections to my credit report. Once I mentioned that I had previously stated that I did not want to be contacted and that I found out that he lied, I was placed on hold because he had " another call ''. After waiting, I explained that I know he lied and that he contacted me after I expressed that  they may not. Both of which I believe are violations of the Fair Debt Colle ction Practices Act.     In summary :   1 ) Midland Credit Managment 's representative lied about actions they would take to affect my credit.
2 ) Midland Credit Managment 's   representative contacted me after explicitly being told they can not contact me.     Further details available upon request.
In  XXXX  of   XXXX   i had contacted   XXXX   about inquiries that was on my credit report. I do not have any knowledge of these inquiries.  XXXX  told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.
Citibank HELOC team informed me that they would correct my late payments once my account was up to date. The representatives were trying to help me modify my HELOC. The process did not work and I ended up paying every penny back on my own. It 's been a while and I am trying to buy a home, my mortgage broker told me this account is holding me up. Can someone help me? Please.
I have had an incredibly difficult time trying to pay off my student debt, instead of adjusting payment options, or allowing me / working with me to make changes, if I have a 'tight ' month Im just punter to forbearance which means I am still accruing debt in interest.
In XX/XX/XXXX last year there were some hurricanes that affected several states including ours. We were contact by CHASE offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to CHASE. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/XXXX ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period CHASE wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.
XX/XX/2014, I purchased a living room suit and a dining room suit from Conn 's Home Plus. A company based in XXXX with retail outlets around the country. I bought my furniture in XXXX. A few months after the purchase, as well as earlier this year, I was between jobs and fell behind on payments. They have proceeded to hound me to death by " blowing up '' my cell phone. I have received as many as ten calls per day, even on days when I answered their calls to explain my situation. Yesterday I received ten calls. Today as I type this at XXXX MDT, I 'm up to six. I have had to turn off the ringer on my cell phone so I 'm not disruptive at work. The stress that I 'm suffering from this harassment is taking a toll on my health. 

Additionally, when I signed for the loan it was for " two years same as cash ''. They failed to notify me that if I missed a payment this agreement would be null and void and I would have to pay the full amount of interest even if I paid off the furniture early. So, I will end up paying thousands of dollars extra by the time I can finally pay the furniture off. I read that CFPB could possibly help me. I hope that 's true!
I pulled my credit report and noticed that Transworld System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report and also I sent a follow up letter for them to validate the debt, they never sent anything and they had the debt removed and then replaced it on my credit report 2 months later without no notice at all.
XXXX and XXXX XXXX XXXX XXXX both ran a Hard Inquiry on my credit reports without our authorization. 
We never heard of these companies before. Got their name from our credit reports inquiries section. The Inquiry needs to be removed. This is fraud. 
See attachment which shows the hard inquiries on our Equifax Credit Report both done on XX/XX/2016.
On XX/XX/2018, I did a balance transfer to my XXXX 's perks card in the amount of {$1400.00}. On XX/XX/18 I paid {$200.00}, XX/XX/18 I paid {$49.00}. The {$49.00} was to go towards my bill and the {$200.00} to the bal. transfer. I called and spoke with a rep who said she would do this as only {$15.00} was showing applied to the bal. transfer. XX/XX/18 I paid another {$200.00} and called to have them allocate {$100.00} to the bal. transfer. I also sent an email through the website for the credit card to advise that my current bill is still only showing {$15.00} applied to the bal. transfer. When I called I mentioned this too and she said it was getting done. I made another payment of {$300.00} om XX/XX/18, calling 2 days later to move {$200.00} of this over. I explained I had a concern as this was my XXXX call to reallocate funds towards my bal. transfer and I should have {$500.00} towards it and the bill was reflecting {$100.00} and a change to my original purchase date. The guy said he would fix it and I would see it on my activity as moved online. I said I had heard this several times before and he said he was fixing it. XXXX XXXX I made another payment of {$200.00} and again called to get {$100.00} reallocated. I spoke with the woman for a while and she assured me she has a financial background and is one of he best reps they have there and she knew exactly what needed to be done, she would make sure all {$600.00} was reallocated to apply to my bal. transfer amount. I continued to email the person for help as well documenting each time I called. My current bill just came out and guess what, it shows {$380.00} applied to my bal. transfer and the original amount transferred has now changed to {$1200.00}. I do NOT have time to call every month to try to fix this and get aggravated. I have a XXXX  at home and this bal. transfer was supposed to make my life easier but has added hours of work to my life. Please help me.
I have a mortgage account with US Bank at a fix rate of 4.25 %, monthly payment of {$1300.00} includes principle, interest and escrow. I bought my house in 2001. Until recently, my mortgage monthly payment has increased to {$1300.00}. KEEP IN MIND THAT THIS IS A FIX RATE. I called customer service and spoke to both the rep and the manager whom informed me that the increase of my monthly payment was due to an increase in my property tax, a difference of {$220.00} ( {$3000.00} - {$2800.00} ). I had asked if I can send them a one time payment of the difference in the increase of my property tax but was informed by both that it was NOT an option and that if my property taxes increases again next year then my monthly payment will increase to cover the increase of my property tax.
Multiple repeated calls from Syncrony Bank after they were informed to stop previously. Recent calls were XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XX/XX/XXXX XXXX XXXX. Voice messages were left at XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX.
I was closing out my loan and I had to close later than schedule because of my wire transfer not coming in on time as of XX/XX/XXXX. So, I was already stressed out. On XX/XX/XXXX, I receive a phone call from XXXX XXXX stating that I never submitted docs for XXXX XXXX. However, I submitted the bank account activity in XX/XX/XXXX. XXXX admitted in her e-mail that she assumed that I was going to use my XXXX account because I had enough funds. But, the thing is I had more funds in my XXXX account. Why would she not assume that the funds would come from XXXX account? So, now, I had to drop everything to close on XX/XX/XXXX. I was faxing documents to XXXX like crazy, even into my lunch break! XXXX didn't even know that I had two accounts with XXXX XXXX. One account was closed. She didn't even know that and was asking for statement on the closed account when there was another account that was opened. I had to tell her that! She just asked for all the documents even the ones that I already submitted in XX/XX/XXXX! When I told her that I already submitted that she responded in her e-mail, " Okay, maybe we don't need that. '' She was asking for documents that I submitted in XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX! It was terrible working with her! 
So, I contacted the cooperate office and XXXX XXXX responded. She said she was going to do an investigation. She e-mailed me saying that she was concluding that I closed on XX/XX/XXXX because my wire transfer did not come in on time. However, I did not make a statement that I closed on XX/XX/XXXX because of XXXX. I was talking about XXXX being unorganized that she caused me more unnecessary stress. Secondly, granted that my wire transfer came in late, however, had I not dropped everything and jump on it to fax everything over to XXXX, I would not have been able to close even on XX/XX/XXXX either. Also, why does my wire transfer coming in late have anything to do with XXXX not being on top of her job and asking for documents that I submitted nine months ago? I believe had XXXX done her investigation properly, she should have known that XXXX only received the docs on XX/XX/XXXX which continued into my lunch break ; and she would have found out that XXXX did not have my XXXX XXXX   information which means, even if my wire transfer happened on XX/XX/XXXX, I still had to go through this process! How does XXXX not being able to provide proper customer service because she was not on top of her job have anything to do with my wire transfer not coming in on time? I would never want to work with Fiance of America Mortgage.
I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XXXX 's payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XXXX 's payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XXXX was current but when the send the tape, it's showing late for XXXX.
IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. SENT CERTIFIED LETTER TO CREDITOR RECEIVED XXXX/XXXX/XXXX ASKING FOR INVESTIGATION INTO THE ACCOUNT THATS REPORTING INACCURATELY. THE DATE OF LAST PAYMENT IS INCORRECT AND THE TERMS DURATION OF 73 MONTHS IS WRONG. NEVER HAVE I SIGNED A CONTRACT NOR HAVE THEY PROVIDED ME WITH WHAT I HAVE ASKED FOR. THEY ARE BLANTLY VIOLATIONG FDCPA RULES AND REGULATIONS. I ASKED THEM TO PROVIDE PROOF OF THE ORGINAL CONTRACT BEARING MY SIGNATURE WHEN THE CAR WAS PAID OFF DUE TO A TORNANDO AND INSURANCE AND GAP COVERED THE BALANCE. THE CAR WAS PAID OFF IN FULL BUT SANTANDER HAS CONTINUED TO REPORT WITHOUT VERIFYING AND SUPPLYING ME WITH THE INFORMATION I HAVE ASKED FOR.
The Joseph R. Harrison Company emphasizes that they are attorneys and will take legal action, frightening me, since I would have to make difficult choices such as not paying my rent and/or utility bills, then facing eviction and/or disconnection of electricity and gas to my home. 
I have contacted XXXX XXXX XXXX several times seeking financial assistance, and they have not responded to my applications. 
The first collection claiming that I owe {$1800.00} would have beenpaid by my health insurance at that time, XXXX XXXX. 
The collection letter for {$280.00} I have no idea what that charge is for. 
I am XXXX years old, have a documented XXXX, and I am a XXXX individual ; and currently I have no health insurance coverage at all ; because I can not afford coverage.
On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court.
I disputed a debt collection letter I received on behalf of A Visual Affair. The bill received from the office was for {$160.00}. They reported the debt to be XXXX to Valley Credit Service Inc ( VCS ) a debt collection agency. I contacted the business manager of A XXXX named XXXX XXXX who told me they sold the debt to VCS and that the additional XXXX was added on to as an administrative fee by VCS. I asked for XXXX XXXX to verify for me that VCS added on this administrative fee before I would pay it in a conversation that I told him would be recorded. In that conversation, he assured me he would contact me back and ensure that was the case. I never heard back from him. 

When I spoke with VCS and paid the {$160.00} I owed, she informed me that their company did not buy debts and that their company did not add on an administrative fee of {$160.00}. I disputed the remaining balance of the debt with VCS. A XXXX XXXX then sent me back the same invoice for only XXXX but certified that I still owed them {$160.00} without providing an invoice explaining the charge.
i opened this card with cap one in XXXX with a offer mail to me for 0 % interest till XXXX XXXX, as i am trying to re build my credit after my ex trashed it i thought this was a good idea. as of today i have a XXXX balance, i was mailed another offer a few weeks ago for another card for 0 % for 8 months so i applied for that thinking i can move my balance to that card and give me longer to pay on my balance on the account, all my payments have been made on time and in full non have been missed. after i applied, i was told i cant pay one card off with another card from the same company and the offer does not say that, in the mean time i closed the open card with the balance and it tanked my account 85 point on my credit because the offer was misleading and deceptive to get people to apply for this card, i had called multiple times in XXXX and prior to XXXX/XXXX/XXXX to obtain what my new rate was after the promotion and no one could tell me nor could they offer me another promotion until after this one ended on XXXX/XXXX/XXXX. today i get my statement with a late fee for XXXX because my payment that was made on XXXX/XXXX/XXXX which is my due date did not credit cap ones system until XXXX/XXXX/XXXX the same thing as last month and they had no issue waiving it then since i made it the day it was due but the system had not applied it till the next day. its not like i paid 5-8 days later it was the due date. today the rep i got refused to escalate my cal said his manager only deals with administrative issues and not customer calls, its so ridiculous that they charge this after one day, every other bank has a 5-10 day grace period and they wont budge on one day, he refused to remove my fee and said my rate is what it is and i knew about it when i got the card in XXXX, no my rate was 0 and now its 23.99 % i have NEVER IN MY LIFE paid more than 6 % and had i been told about that rate then i would never have applied for that card. i feel since i was a woman and white i am being discriminated against by the rep i spoke to today his name was XXXX id number XXXX, he would n't give me the reps name i spoke to prior to the transfer only her id number XXXX. i do not think should have to pay this insane rate on my account nor should i have the late fee on it.
XX/XX/2018 XXXX XXXX XXXX  inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did XXXX XXXX insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with XXXX XXXX, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.