WillisBack/dataset-financial-user-claim huggingface dataset:
I learned of this debt while pulling my credit report. I never recieved a letter to verify this debt. I contacted this company telling them I did n't remember or know of when I could have had a XXXX dollar hospital bill and I would like proof of this debt they informed me they could not do this and proof was up to me not them. I then told them I did n't believe this was a correct debt but I would settle to get this resolved and I agreed to XXXX if they would send me a letter stating our agreement and they refuse to do so. They want me to blindly pay XXXX dollars to settle an account that I do n't even believe to be mine without any proof of this agreement.
Upon purchasing my vehicle and the meeting with the Finance Manager, he kept trying to talk me into buying the extra insurance protection & GAP coverage. After going back and forth on it several times because I did n't want it, I decided to purchase it so he would stop talking and we could get the paperwork done so I and my children could go home. I later changed my mind during the paperwork process and declined the insurance protection. So, he had to re-do the paperwork without the added " protection. '' Somehow my interest rate went up 1 % on the new paperwork when I decided that I no longer wanted the insurance protection & GAP coverage. When I accepted the added insurance my rate was 3.95 % but when I declined it my rate went up to 4.95 %. I feel like I was discriminated against because I did n't want to purchase the added " protections. '' I believe that this practice is illegal.
A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.
I have been making monthly payments, on time for over 13 years. I 'm a XXXX and was told by other XXXX that there is a program that we qualify for to forgive our student loan if we are XXXX and been making payments for over 10 years. I obtained the application, read the qualifications and I should have qualified from the beginning for forgiveness. I had the direct consolidation loan, which was another requirement. After getting the runaround and having to apply twice, I was told that I did not qualify, but that Fedloans was assuming my loan. I was told that my terms, payment, and everything would remain the same. Fedloans only would be servicing the loan. I even received that statement in writing. My usual payment averages {$110.00} per month. In XXXX 2017, I received notification from Fedloans that my new monthly payment will be approximately {$500.00} per month beginning XXXX 2017. I called Fedloans and was told that my loan was " looked at '' and at the current payment, my loan would not be able to be paid off within the 15 year term. I did not authorize Fedloans to " look at '' my account. I applied for a " forgiveness '' program that was advertised, and I qualified for per the requirements. I asked the rep from Fedloans if I had not applied for this scam, I would have continued my $ XXXX monthly payments, on time just like I agreed to do 13 years ago for 2 more years and nobody would even care? She said yes. All these years, I 've worked hard and paid on time. Now, I 'll probably default because I was tricked into applying, and giving access to Fedloans, based on their statement that they were " servicing '' my account only. ( Public Service Loan Forgiveness Program )
My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! 

POOR Customer Service!
National Credit systems is reporting my debt collection on my credit report for {$880.00}. We offered to pay it in full and get it deleted but they refused. It was sold to a Law firm without our knowledge. So national credit systems is reporting it and the law firm is collecting this is not ethical.
I made my credit card payment on time to Bank of America electronically using the Bill Pay service at my personal bank in XX/XX/2018. My personal bank had an error in their system and did not send the payment even though I had made the payment. Bank of America reported this payment as late to the credit reporting agencies. My personal bank has call Bank of America several times and explained that I had made the payment, but Bank of America continues to report the payment as late.
On XX/XX/2017 I opened an account with XXXX. A few months in the contract i lost my job and wasn't able to continue paying for the service, I call XXXX and notified them that I was moving and that i needed to return the equipment. I cancelled the service and return the equipment and they didn't mention anything about any payments. The account was supposed to be closed. I got a derogatory remark on XXXX   credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
I received a letter on or about XX/XX/2018 by regular mail from Account Control Technology , Inc. stating they were attempting to collect a debt from XXXX XXXX University in the amount of {$8100.00}. On XX/XX/2018, I responded in writing via certified mail return receipt to Account Control Technology Inc. to cease and desist and disputed this debt referenced in  the letter dated XX/XX/2018. I stated, that I did not owe this debt to XXXX XXXX University nor did I wish to do any business with Account Control Technology , Inc. On or about XX/XX/2018, I received information from XXXX   that negative information was added to my credit report from Account Control Technology , Inc. in the amount of {$8100.00} on behalf of XXXX XXXX University XXXX First, I have contacted the Department of Education and I do not have any outstanding loans or payments owed to the government or to the university as this time which the Department of Education shows I only attended XXXX XXXX for one semester XX/XX/2018 so I could not owe {$8100.00}. When I attended XXXX XXXX my last name was XXXX but now I am remarried as XXXX which I also referenced in my letter. I have checked the original letter & my credit report and there's two different addresses listed for Account Control Technology , Inc. for sending correspondence. How can the consumer know if their letter is being received to the appropriate address. Second, Account Control Technology , Inc. signed for the green card on XX/XX/2018 which I referenced the acct number on the green card & envelope as stated in the original letter. If there was an issue the person that signed for the letter should have forwarded the letter to the appropriate division especially that a reference number was included on the letter. Third, Account Control Technology , Inc. should honor my dispute letter & that is was received timely and that any/all adverse information be removed from my credit report as soon as possible. As I stated in my letter dated XX/XX/2018, I do not owe this debt to XXXX XXXX University nor do I wish to work with Account Control Technology , Inc. And I will also be disputing this with XXXX .
Pay pall closed my account after I confirmed my identity and refused to release my funds to me. The customer service was very rude and did n't give me any reason why they closed an account.
Loancare processed a payment that was sent by the Equity accelerator program directly towards my principal and not my monthly payment for XXXX 2016. On XXXX/XXXX/2016, I received notice that my payment was late. The statement was from XXXX/XXXX/2016 but I did not receive it until XXXX/XXXX/16. I never received any other correspondence regarding any late payments. I called immediately and spoke to a woman and explained that the payment on XXXX/XXXX/2016 was incorrectly applied. She said that it would be reversed. I am currently trying to close on my FHA streamline and we were supposed to close as of XXXX/XXXX/2016. My loan is currently showing late, and I have tried to speak with a supervisor or someone in a department to get this done today. The call center reps are rude and uncaring and refused to let me speak with their supervisor. This company has the worst customer service I have ever experienced in my life and they are currently interfering with my families livelihood because they will interrupt the FHA Streamline process and will make me late on a payment. I am completely appalled at the service they provide, especially when you can only speak with a rude call center rep who will not give you any information.
Good morning, yesterday, XX/XX/XXXX, I received a new credit card statement from Wells Fargo regarding my XXXX XXXX XXXX  card.Upon looking at it, I was charged {$830.00} in interest. The problem with that was that I was receiving emails from Wells Fargo stating that I had until XX/XX/XXXX to pay off my remaining balance in full before I would start getting charged interest. The first email came on XX/XX/XXXX, at XXXX XXXX ; and I received a second onXX/XX/XXXX at XXXX XXXX, which was hours before Wells Fargo sent me that statement with the interest charge. I have attached both emails as .txt documents below.

I then questioned Wells Fargo via message center on their website and I received a response from someone named XXXX and part of her response was : " You have two promotion on this account with no interest if paid if full that ends on separate dates. The first purchase made on XX/XX/XXXX expired on XX/XX/XXXX and the second purchase made on XX/XX/XXXX expires on XX/XX/XXXX. '' I was never informed of a promotion that ends on XX/XX/XXXX, since I have set up my Wells Fargo account to automatically send payments on certain dates to avoid late fees. Those two initial reminders form Wells Fargo about interest fees certainly did n't mention anything about XX/XX/XXXX. I again contacted XXXX via the message center and asked why I was being charged something I was never informed about when they did n't hesitate to remind me twice about interest before, and I was willing to pay off the remainder of my balance minus the interest fee, which was {$300.00} right then and there if the fee was waived. She replied there was nothing she could do and I then sent a response saying to cancel my card, I would like to speak to a manager, and that this practice is deceptive because it charges on a fee that was never mentioned before. I never received a reply after that, so I am assuming that they have closed the complaint. I have also attached those conversations below.

The real problem about this is that I was systematically trying to pay off my debts to raise my credit score because I am trying to buy a home. My balance for this Wells Fargo card before the interest fee was {$300.00}, which I was planning to pay off on a weekly basis until XX/XX/XXXX, which is what I was told by Wells Fargo was the deadline to pay in full without interest fees. In fact, I had a payment scheduled on XX/XX/XXXX that cleared for {$100.00} to get the balance down to {$200.00} and I would pay off the rest the next two weeks. It is unfair to be charged {$830.00} in interest unknowingly for a {$300.00} balance all because the credit card company was informing me of a date later down the line. Having a balance of {$1100.00} is a big difference than having no balance at all when it comes to paying off bills, and that charge is really going to set me back.
On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.
I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions.
EWS has failed to provide under the FCRA time limit a response on their method of verification. I requested that they NOT use a XXXX method of verification and provide me the physical documentation of their methods of verification due to the nature to the dispute was due to identity theft and need the documentation for my records. They have failed to respond thus under the FCRA time frame limits the items disputed must be removed under federal law.
The representative of this company told me that they would garnish 45 % of my wages if a payment was not made within 40 minutes. The debt in question is not mine. The debt in question is in my husbands name. This was an attempt to scare me into making a payment. When I questioned this I was told that the company Foster and Monroe purchased the debt and were working in prelitigation on behalf of the U.S. Military and could start garnishing my wages on Monday without a court order. The collector called the company XXXX XXXX, but when I asked for the website he said Foster and Monroe. The collector also called me back to let me know that he knew where I worked and would have to contact them to start the wage garnishment. This debt they are referring to was acquired in XX/XX/XXXX, I married my husband in XX/XX/XXXX and I live in Georgia which is an equitable division state. Not to mention I was XXXX when the debt in question was acquired and legally not old enough to acquire such a debt. This is a scam and scare tactic to collect a purchased debt 16 years later by contacting a 3rd party.
My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company credit acceptance corporation reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
XXXX XXXX XXXX XXXX put an invalid Collection entry on all 3 Credit Report Bureaus on XX/XX/XXXX. Now this matter in which they are trying to collect for is being handled through XXXX. The Judge in this case that collection of monies owed will be collected by the State of New Jersey and that was assigned in XX/XX/XXXX. XXXX XXXX filed charges on me and everything being handled in court. I received a letter from this Collection agency and took it to my probation officer and they told me that XXXX was n't suppose to do this as they are the ones collecting the funds. I then in turn called and spoke to the rep that is handling my account and told her that this is being handled through the court system and that my Probation Officer stated that they should not had put this on my credit report. She told me they had that right as XXXX hired them and that they were n't going to remove it at all. She also stated that they have n't received a cent and wanted my contact info for the court and I gave her my probation officer. This is n't fair in any way I am paying my monthly allotment for this and they went and retained someone else to come after me and ruin my credit. This is already being handled. I will attach the same copies of the payments that are being made. I now have a criminal record and now they are also trying and have successfully ruined my credit.
I paid XXXX credit card debts that originated from Wells Fargo. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX, XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX, XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
My card information was stolen in XX/XX/2018, and someone made purchases by using it. I discovered it a few days later and reported it to Citi Card. I received a new card and thought everything was fine. However, I found the unauthorized charges were not fully refunded. I contact them again, they told me their investigation team discovered the case. But it has not been solved yet. They closed the case before the date they noticed to contact them, and reopened by my complaint. And their Debt Department kept calling me due to the unauthorized charges because I didn't pay it. Now I've been waiting it will be solved soon while making minimum payment. I'm really sick and tired to contact them for this case.
After a recent pull of my consumer reports I noticed the furnishing of inaccurate information being reported that is damaging my credit score tremendously. After I disputed it, the information came back verified. However one look at the supporting documents clearly show it is not accurate. I also disputed with the furnishing company but to no avail.

This is a junk debt buyer who is furnishing a 1 month term even though I have no agreement with them. They are also reporting failed to pay every single month in an attempt to damage my credit, even though I've never agreed to pay them anything. They are also reporting a past due balance which a junk debt buyer can not do. A collection should be reporting as such. The account statues also states closed on two reports and open on another. It is the furnisher and consumer agency who is responsible for reporting accurate information.
I was XXXX years old when we moved to XXXX with my parents. We had to leave the complex because the house cought really bad mold and they never did anything about it. Then they put my parents debt into my credit report when I had nothing to do with the rental agreement since I was a XXXX at that time attending XXXX and they put that debt I my credit report. Now I have a daughter and a family and I need to rent and no one wants to take me because of something that was n't my fault to start with. I called them and they do n't want to do anything about it. Please help me!