WillisBack/dataset-financial-user-claim huggingface dataset:
Avant credit has been wrongly applying the extra payments I make every month to interest instead of principal. 

I am obligated to pay {$360.00} and have been paying {$100.00} a week instead. To date I have paid {$5800.00}. 
Avant has only applied {$2200.00} to principal. To further test their wrongful allocation of monies I am paying them from online bill pay through XXXX XXXX XXXX, I sent in a {$5.00} payment and in the comments put " principal only '' - they added this payment to interest XXXX % along with the next payment of {$210.00}. The {$5.00} payment was made on XXXX and the {$210.00} payment was made on XX/XX/XXXX 

The facts are simple. They agreed over the phone around XX/XX/XXXX ( they record all calls and the calls can be subpoenaed ) that any extra payments would be applied to principal. They are treating my principal reduction payments as though they are advance payments which they are not. There are no prepayment penalties. 

Avant 's deceptive allocation of principal payments have made it next to impossible for me to payoff my loan early as a responsible consumer. They have not clearly outlined in writing how a consumer can make principal only payments and by creating this breakage model, are effectively creating a prepayment penalty which the contract I signed expressly indicates that there is no prepayment penalty. Their deceptive payment allocation practices amount to constructively blocking a person 's ability to pay out their loan early thereby saving them interest as evidenced by the fact that even a payment labeled " principal only '' was put 100 % to interest. 

When you divide the interest applied ( {$3500.00} ) from the total amount paid ( {$5500.00} ) the effective interest rate I have paid is 60.9 %. My contract states that my APR is 35.94 %.
I was woken up by a phone call from Synchrony bank XX/XX/XXXX. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my XXXX plan. His response was " fine then you 'll make {$1500.00} '' and I said no maybe {$800.00} or less depends on what I can get out of my XXXX. And I only owed {$200.00}. And he said " you will have {$800.00} or else. '' Then by XX/XX/XXXX, {$800.00} was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but they told me it takes 15 to 20 days to look into it. 
I talked to a lawyer and he said to go through my bank to reverse the transaction. And to report them the feds for harassment and fraud. He also said it does not take 15 to 20 days to look into it. It means trying to cover their XXXX. The lawyer also said that I can sew but it 's hard if I got the money back.
I have a mortgage with Mr. Cooper formerly none as Nationstar Mortgage. I frequently send in money towards my principal balance on my mortgage. On XX/XX/XXXX, I sent in a check marked specifically to go towards my principal in the amount of {$1700.00}. 
The check was posted as a regular payment. The regular payment is on Auto Pay and it is posted every month from the banking account. I have contacted Mr. Cooper several times starting XX/XX/XXXX when I got a statement showing they put the money as a mortgage payment. Spoke with XXXX, she said it would be corrected in 24 hours. It was not. Next, I spoke with XXXX, I was told it was denied when the request was put in because the regular payment had not come in through the auto draft. On XX/XX/XXXX, I spoke with XXXX, she said it was denied again. I asked to speak with a manager and XXXX with Account Services came on the phone. She said she would personally handle the situation and gave me her personal number XXXX and asked me to call her on the XX/XX/XXXXafter the auto payment had posted. TheXX/XX/XXXX being a holiday, I called her on the XX/XX/XXXX at XXXX. No one answered the phone nor did a recording came on. All the numbers I have called for Mr. Cooper, No answer. After going through all the prompts I have been on hold for 30 min, then a recording say do to weather this number is not set up to receive calls. XXXX, this is the number on the statement.
I have been contacted over 100 times by XXXX XXXX   after I provided them with the extenuating circumstances regarding our daughter who was hospitalized over 34 Days in ICU and sent them a letter on XX/XX/XXXX. I also, set up arrangements and told them they would be paid and I would recommence the payments. However, when a representative called me on last Sunday night before XXXX XXXX, I told her to stop calling my phone and stop contacting 3rd parties regarding my debt. They have not only been calling me but also reaching out to my brother who I did not give them permission to contact, nor do we understand how they obtained his relation and contact information. It is illegal to contact 3rd Parties. After I told the representative not to contact my phone on late nights with repeated calls, the next business day I received a retailitory act from XXXX XXXX. They spitefully closed my account after this call with the representative on last Sunday evening - XXXX XXXX   weekend. Beyond that, on last evening - XX/XX/XXXX, a XXXX called repeatedly from Ext. XXXX and also again illegally contacted a 3rd Party regarding my XXXX XXXX with XXXX XXXX. I am requesting that XXXX stop their Harrassing & Threatening Tactics stating they will file Legal Actions, and threatening me on several occasions. We have a daughter who is XXXX and we need you to stop your Harrassing tactics!
I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began  receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unofficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unofficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently no one was notified that my hold was released.
This is my second complaint about GMfinancial. I make extra payments each month and ask them to place the extra amount past my regular payment and they keep placing the extra money on the next months due and future payments. I specially am making extra payments to the principle so that I can pay my car off sooner because my income will drop. Please how can I get this resolves so that I do n't have to complain each month or call them each month and they still get it wrong. 
I need help. They just want to take the extra interest money from me monthly.
I never received any communication from the hospital or the collection agency. The only way I learned of the debt was through a credit report. The collection agency has failed to, upon request, send a bill and verification of debt.
My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.
On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with.
My husband & I have a joint checking account. Our finances have been not so good in the past few years because I am not well and had to stop working. Our credit is so bad that we do not even qualify for any type of loans. Now comes my bank we do not have overdraft protection with them, or a credit card because our credit was so bad we were turned down. On XXXX XXXX my mother passed away, and my illness has been extremely bad this year with several visits to hospital emergency room. During this time my husband tried to releave some stress for me by taking over paying bills. He did make some mistakes because he may have overlooked a charge like a gym membership, but he was unaware that the bank would pay every check, reccuring charge, electronic payments, basicaly anyone who wanted to get money from us could. He just assumed if we had no money or a zero balance that it would be refused, returned then there would have been just a returned fee, and we would have been altered by the person trying to get payment. The bank feels that they have the right to choose who gets paid and what gets returned. They also charge me {$34.00}. for each transacion that they are choosing to pay when the account is overdrawn sometimes by as much as {$1700.00}. Now there is a limit to XXXX of these charges a day, but the bank is smarter then that so after the 3 days charges have been made they hold any other transactions as pennding so they do n't put them through untill the next day which enables them to charge another XXXX more {$34.00} fees. Now my husband thinking his pay, my pension, & XXXX. is going directly to bank it 's got to fix itself. But these charges have now caused a horrible affect. I totaled {$1700.00} in fees this year. We have no money to grocery shop today because my Pension went in bank and the took the whole thing .I went to The Branch on XXXX. Chase Bank I spoke to the Branch Manager XXXX XXXX she claimed that this was all our problem because once you make an electric payment to anyone then they now have access to your account, so we allowed this to happen. She also said why were n't you checking your statements when they came in mail, but I do n't get paper statements I we n't paperless at there urging .She refunded XXXX of the {$34.00} fees and said that was all that could be done. I then called the bank I spoke to a Man his name was XXXX XXXX, And I asked why would the bank exstend these loans to us without consent or request. Also why would they keep doing it when they could see by our history we never had this before in the many years we have been banking with them. He claimed it is up to their judgement whether to pay something when there is insufficent funds in account and that they will continue paying most items because he could tell by looking at my account that we have direct deposit for our income and as long as we do they know they will get paid.I feel this is wrong and that they have stolen my money and made hardship worse for me.
My complaint is against One Main Financial for emotional distress and other damages. I have been paying $ XXXX/month two years now for a loan in the amount of {$1500.00} and there is no end in sight. Someone needs to stop these predators in what they are doing. They are acting like we are in a country with no law and they are doing whatever they want I will forward all the records so you can see yourself how these predators are taking advantage of me. 

One Main Financial contact persons are XXXX XXXX and XXXX XXXX. I have been dealing with them since.
My account was sent to XXXX by Synchrony Bank. When the collection agency contacted me I requested for an settlement. After settlement was paid in full XXXX sent back to Synchrony Bank my information stating that the account was paid in full. Synchrony Bank representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from XXXX, stating that my account was paid in full, but I cant get a response from Synchrony Bank.
I have been disputing this account for years. The account was opened in XX/XX/XXXX and was paid in full. I have never received communications that they were attempting to collect a debt or notified of any legal rights that I have to dispute the debt. I have not been provided proof that I owe the debt. <P/>Worse of all they report that I last made a payment XX/XX/XXXX which is not true in any way shape or form and extends the statutes of limitations of the time this loan can be reported for an another almost two years. <P/>I ask that they show proof of a payment that I made on XX/XX/XXXX or remove that date from the report, I ask that they show proof that they sent written communication of an attempt to collect a debt and that they can validate and did validate that I owed it. <P/>This is not a valid debt and the reporting dates of payment is wrong, the debt is paid, and I ask it to be removed.
In XXXX 2016, i saw on my experian credit report thatbi had a debt collection debt on my credit report, which i had no knowledge of, the company convergent Outsourcing put a debt on my credit report. Which is not mines, The company violated the law for not allowing me to dispute the debt, nor send me any kind of verfication within the five days of initial contact. I contactedbthe company back in XXXX 2016 and told them it was a fraud accout. Once i contact the company, i told the company i wanted to dispute it. I was told a fraud packet would be sent to me, but i never received it. The company didnt verify the debt was mines, they just did slander to my credit. Which put a parked debt on my credit report. The company put XXXX collection account both in XXXX 2016. The company Convergent Outsourcing has ruined my credit. I dont not know anything about this debt nor applied for anything. The convergent outsourcing has been involve in deceptive acts. Convergent Outsourcing also violated my rights as a consumer, there are certain steps a debt collector suppose to do before negatively impacting a person credit report. So i am asking Convergent Outsourcing to remove themselves from my XXXX Crefit report, which they reported twice, not one, but twice, which negatively impacted my credit. So i decided to file a compliant. Because i can sue the company for impacting my credit report and for the damages they have done. I told the rep that i have no knowkedge of this debt, but i never recieved what they told me they was going to send me, this company is a scam company and does not agree to what they say,
Capital recovery has called my home number at Least 100 times trying to collect a debt from someone who used to have my number. I have requested them to stop and they keep calling and calling. I have no idea who they are calling for and I have no bad debts. 
their number XXXX
On, Thursday, XXXX XXXX, 2017, at XXXX XXXX I contacted J P Morgan Chase, regarding an excessive amounts of NSF fees resulting from items that electronically attempted to debit the account. I have a total of total of 15, but I was only disputing 12 and one Extended NFS fee. Chase charges {$34.00} per NSF fee for which they are charging me a total of {$400.00} and an additional {$15.00} for an NSF extended period. I attempted to inform JP Morgan Chase that I had emergency XXXX back in XXXX of 2017. I was unable to communicate with them or any other institution in regards to payments as I was hospitalized. I called JP Morgan Chase and explained my situation, but Customer Service was only willing to reverse three. I mention that would I take responsibility for three of fifteen they as those where authorized, however the others where unauthorized. They told me that as a courtesy they could only reverse three.
I am asking JP Morgan Chase to understand that I was hospitalized and certain events happen without intent ; their {$420.00} in fees can greatly help me pay my mortgage this month. XX/XX/XXXXwas a bad month which was unforeseen and as a result I 'm loosing money I can truly use to get back on my feet.
I went to deposit a check in to my bank account and it was placed on a 7-10 day hold. I went to speak with a bank representative who looked at me as if she didn't care to help me. Then proceeded to tell me that she wouldn't release my funds because she thinks it's fraud due to the fact that I don't keep a high account balance often, I feel that is discrimination towards customers. I felt that she didn't put her best efforts in to help verify the check was real because I was XXXX and felt I was committing some type of bank fraud.
I recently learned Navient has broken the law by calling my brothers new wife 's father and demanded him to make payment on alleged loans said to be associated with my name. 

I have not only cease and desist letters certified mail that all communication moving forward must be in writing but i have disputed the loans entirely based on fraudulent practices by both Navient and XXXX XXXX XXXX XXXX Minnesota. 

I keep getting calls non stop as does my mother. They will not listen to us when we say this is harassment and that they need to stop. All communication must be in writing, period. 

I have requested that they prove the validity of the loans and they send me the wet ink promissory note but still after many requests and many attempts they have not sent me anything. 

From this point on all communication MUST be sent via certified mail. I will not open emails i will not accept calls, PERIOD.
I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents XXXX XXXX, XXXX. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.
Capital One has language on the back of their statement describing their terms and conditions. Part of that language covers the situation when previous balances had been paid in full without incurring interest charges, and the first month the previous balance was not paid in full. Their wording is that " If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' However their billing system applies average daily balance method in this situation, violating their owns terms and conditions and charging excess interest to all of their customers.
I don't know what actual route I need to take through the prompts are to get to the right place, so this is probably not in the right department.

I found out today that Experian has been charging me {$22.00} a month for something that I did not want and had no idea that there was any recurring charge, let alone the insanity that is {$22.00} a month.

I paid {$1.00} for what I thought was a 7-day trial so that I could see my credit score a single time. Apparently the 7-day trial is a 7-day period of a " discount '' before the price goes up to $ XXXX/month, not a 7-day trial to check your score before you lose access to it as I think almost anyone would expect.

They pay to have XXXX  display them at the top when someone searches for " free credit score '', then they actually charge you {$1.00}, which is actually over {$250.00} a year. This is not ok. We are held unjustly behind an unfair and unregulated credit score system, extorted to even be able to check it, then are hit with hidden bills like this. Seriously?

I was under the impression that stuff like this was supposed to be shut down. Isn't this the EXACT situation referenced in this article?

XXXX XXXX XXXX Thank you for any help on this matter and for doing the work that you do. It IS VITAL.

Additional information that I find egregious : 1. I have no email from them telling me that I'm being billed or even that I created an account.

2. They make it nearly impossible to figure out how to cancel future charges. I honestly don't know if I am opted out of the recurring charges or not at this point.

3. They hold customer service hours that make bank hours look like XXXX. I can't contact them in any reasonable way during any reasonable hours. I work. They know that. That's why they have such unreasonable hours. This is not right.
I 'm trying to use an app on my XXXX called XXXX XXXX and I just need the approval from the bank.