WillisBack/dataset-financial-user-claim huggingface dataset:
Firm : Gamache & Myers, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), Mo. XXXX XXXX Complaint : I made a payment arrangement with them via their representative XXXX, around XX/XX/XXXX to pay {$75.00} per month toward my debt. XXXX said that I paid {$150.00} in a previous arrangement in XXXX and wanted me to pay more this time. I told her that {$75.00} was all I could pay this time. She said that theyll take the $ XXXX/month for three months and then renegotiate. I told her that in three months Id still only be able to pay the {$75.00} so why not just leave it as is. She said theyd contact me again in three months.

They took the payments for three months, via automatic debit and then stopped taking them. They sent me a letter saying it was time to renegotiate my monthly payment amount. Id already called XXXX several times to ask her why they stopped taking out the {$75.00} payments. She never answered or return my calls. That was around XX/XX/XXXX. Theyve filed a Garnishment Order on  XX/XX/XXXX and XX/XX/XXXX against the bank account that they took those three {$75.00} payments from. My bank didnt give them anything from the account even though money was there. The initial Garnishment they issued on this account was on XX/XX/XXXX and the bank sent them the {$1200.00} that was in the account. 

Now, theyve issued a XX/XX/XXXX Garnishment Order on the other bank account I have, which didnt have any funds in it at the time.

I believe its their greed that has caused them to miss receiving {$1500.00} if they would have continued taking the $ XXXX/month.  Since they stopped taking the money I made arrangements with another debtor using that original bank account and paid that debt off. Now, I dont know if their representative XXXX took it personal and made decisions on her own, but the Garnishment Order is from the Law Firm so even if she made her own decision they support it. I say this has to be greed because I dont think Ive heard of any Debt Collector that refuses to take money towards the debt when its offered. Also, since the court allows them to charge interest the balance grows like a credit card balance and then you add all the extra service fees, etc.
I had a couple of security issues surrounding the house I've lived in for over 25 years recently. So I decided to get security cameras. I had a email from this company so I responded and spoke to a lady who quoted me a price of XXXX dollars for this system. It included so I thought the front and back door camera 's. After the installation they gave you 3 days to cancel, but there was no reason to cancel it was working well. Then I finally got the bill about 30 days later and it was for over 800.00. I was floored. When I called the company they told me that some one would get back to me, no one ever did. The finance company said they went on what XXXX told them and they submitted 800+. When I spoke to someone at XXXX he stated XXXX was for the kit which I thought I was getting, but that I had an extra camera added. The front door camera. I explained to the that this was not within my budget and no one every told be anything about an extra camera I had to pay for or I would have told them to forget it. He told me that I would have to speak to someone in management who would listen to the initial call to see what was said. No one ever contacted me back so I called again. This time I spoke to a very rude lady. I explained that at the time of the sale, I asked the sales person what was better about her company and why I should go with them instead of another company that didn't require any out of pocket for cameras or installation. She was just a very nice person who seemed to be very concerned about my safety, that's how they got me. She told me they had better cameras and she was very comforting. I thought she was trying to help me, I was so concerned about what was going on around my house, that was really all I could think of. The only money this lady spoke of was XXXX. She never told me anything about 800+ dollars, she did say I would get a free camera. I feel like I was baited and switched. When I called again they told me that someone would get back to me with the voice recording of the sales pitch, but no one ever has. They are billing me XXXX a month for this 800.00+ for this equipment. I called today to get the pay off balance and to see where to send the check and they told me there is no place to send the check you have to do it on line. That was it for me. I'm not going to pay them XXXX a month for the rest of my life for this XXXX equipment I'll pay them off, but I just want to know has anybody else had this experience with this company and what if anything can I do. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX
I brought a car from a car lot on XX/XX/2016. I have never had an original contract with Credit acceptance with my signature that I signed with them. This company keeps reporting the same balance of {$9200.00} to my credit bureaus since XX/XX/2016. I have asked them to send me a legal contract I actually signed with their company they can not produce it. I do not want the contract with the dealer I want the legal contract with my signature and date with Credit acceptance. They are rude and has never updated my updated amount. The company I purchased the car from said the car was {$10000.00} when I looked over the paper work it is for {$19000.00}. This company needs to be removed from my credit report I do not have an original nor new contract with them. I tried calling to discuss this matter but they are rude and do not allow me to talk. I have asked for the oringinal contract also payment history and they will not send me this information.
I broke my lease with XXXX XXXX early so I could move in with my now husband. The lady in charge advised me I would only need to make a payment of {$1300.00} and it would be paid in full. I got out cash and money order from my bank ( which I have copies of ), handed the money order directly to the lady in charge and turned in my key. I provided her with with my new address, phone number, email, etc. to follow up because they still needed to do an inspection. There was no damage done to my apartment as I barely stayed there. I never received any kind of correspondence, no email, no call, etc. It wasnt until I was checking my credit report I noticed a collection agency reported that I owed {$1700.00}. I call them, they say I never paid for the lease break, and also never provided the apartment complex with a follow up address to reach me. THAT WAS REQUIRED on the paperwork I filled out to break my lease! I dont know where they are getting that I owe this money from. Im to the point now I want this off of my credit report. Everytime I have tried to call representatives are rude and sound like they have no proper training on how to speak on the phones. I myself, work in collections so I know how this goes and Im not rude to those willing to pay on something they ( dont even ) owe. I called today to see if I can try to work out something to pay this off, of course I dont have the full funds to make a full payment this month of XXXX, but am willing to pay something this month on it. The guy was very rude, unprofessional, and told me they would just call me back on Monday? At this point I am over it, I have the documents showing I paid this off in full, I am done messing with these people because they are not willing to help me out.
XXXX XXXX XXXX XXXX in XXXX XXXX, FL ( XXXX XXXX Airport Branch ) has failed to refund to my Bank of America account ( XXXX ) in the amount of {$230.00} after their desk agent at XXXX XXXX Airport stated that she would not charge my Bank of America credit card for the renting the same vehicle on Saturday XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX.

Due to a name change on the driver my husband paid the rental via his XXXX credit card ( XXXX ). Her husband paid the extra charge which totaled {$230.00} since it was a last minute decision to include her husband as the main driver. I agreed to accept the extra charge as long as XXXX would reimburse my BofA account. The XXXX agent told me she would reimbursed the {$230.00} charges on my BofA account and would have to wait a few days for that charge to be reversed, since it was for the same vehicle. Hence, the charge on my Bank of America credit card account should have been deleted or refunded as promised. Bank America, was sent extensive documentation as well as a detailed explanation but refuses to delete or reimburse this charge when valid and reasonable proof was presented to their representative. 

I have included the required information that shows these charges are invalid and will attach them in this complaint which. 

XXXX invalid charge and BofA 's refusal appears to be a violation of EFTA, UDAAP, and FCRA regulations.
I turned over the loan to a debt mangle to company but company called b & f finance at XXXX in XXXX Tx keeps on calling me XXXX to XXXX times a day for payment and refuses to talk to the debt management team which r ready to negotiate they r harrassing me to the point of explosion I need help to stop the harassment! Thank you.
I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} on my Bank of America business card, this is one of the charges that I would like your help to dispute. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00} on the same card this is the other charge I would like to dispute, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra $ XXXX.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of XXXX, every time they would call me they would ask for more money, stating in order to my business succeed you need this extra service, and I got nothing other than credit card debts, and I need your help to try to recover my money.
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.
I contacted my lender before my husband had XXXX that was predicted to leave him out of work for about 6 months. They said they could do a loan modification. They told me to stop paying my payment while I was working on modification or they would n't think I needed a modification if I could still pay the payment. Four months later, nothing is done so I contacted what I thought was a legitimate site that could help me work with my lender. I ended up getting scammed by the other company that and loosing {$5000.00} and barely stopped the foreclosure of my house one day before it was scheduled to be sold. Now my lender has raised my payment to include all delinquent payments and fees, as well as trashed my credit when I only did what they told me to do in the first place!!
Very quickly ... XXXX XXXX mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XX/XX/XXXXXXXXtgage payment XXXX XXXX XXXX Mortgage payment XXXX I had contacted my mortgage company and asked how come my mortgage went up so much? They said it was due to the shortage in escrow and my taxes went up. I asked how much are my taxes and they said over XXXX for the year. I told them that my taxes were not that high, somethings wrong with the payments for XX/XX/XXXX and XX/XX/XXXX. I argued with them ALL XX/XX/XXXX and XX/XX/XXXX about my account being wrong. They finally admitted that they had made a mistake and put the " over payment '' of XXXX to my shortage in escrow but they did not remove a late payment with the credit reporting agency for XX/XX/XXXX. I told them I could not make that inflated payment because it was too high. So I had to make a double payment in XX/XX/XXXX figuring they would correct their mistake. They NEVER sent me my new escrow figures until I had questioned the payments. So now im paying what I should of been paying since XX/XX/XXXX and my payment would not have been late. Ive tried to reach a manager or supervisor about this but NOBODY has answered their phone or returned any call that I have made. ( over 10 calls ) I want my late charge to come off of my credit report so I can move on and forward. I have ALL records and can make copies if you need them. Thank you!
Progressive MGMT SYSTEM has failed to validate a debt they 're claiming i owe for medical services rendered in XX/XX/XXXX. I sent out a letter requesting they do so in XX/XX/XXXX and then again in XX/XX/XXXX. I 've not received any debt validation from them, and just today they have flagged my credit report and added multiple derogatory collections, which has caused my score to drop again. My report is showing the debt being reported on XX/XX/XXXX for XXXX and then again XX/XX/XXXX for the amount of XXXX from services rendered at XXXX XXXX XXXX XXXX XXXX. I 've had medical since XX/XX/XXXX,
Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.
HSBC is attempting to collect a debt that was a result of identity theft. I have disputed with the credit bureaus and have sent my official police report to them to resolve. No success. This is a violation of the FCRA and FDCPA for identity theft victims. Please help me resolve this matter quickly before any further damages are incurred.
I have a voluntary repossession on my credit report that i had continued to make payments on even after the car was repossessed. I satisfied the loan in full but it still is showing on my report as if i owe XXXX still. They have not updated the account balance even though I 've been done making payments to them for over 2 months now.
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( XXXX # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ...
I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount.
When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that Experian and XXXX have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you
I called XXXX XXXX XXXX in XX/XX/XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX   if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude  by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!
I do n't know which XXXX XXXX XXXX is this account reported to you
I applied on XXXX XXXX, 2017 for a lease with XXXX, and the application was denied in part on information received from Factor Trust. When I requested a copy of my credit report from Factor Trust, Factor Trust refused to provide me with the report.
XXXX XXXX  repo my car inXX/XX/XXXX. They later sold my auto at auction for {$5000.00}. I recently asked XXXX  to send me a bill of sale for my vehicle. XXXX  want to pay {$14000.00} on this car they repo. I need to see a bill of sale of this XX/XX/XXXX XXXX XXXX They ripped me off! I didnt own that much on this car loan. They are loan sharks!! I need some help!XX/XX/XXXX XXXX XXXX XXXX.
Hello, I am reaching out to receive assistance in regards to an urgent matter. On  XXXX / XXXX /  XXXX   @   XXXX   XXXX  . my vehicle was repossessed by  Honda Financial Services . I have had a rough patch in regards to payment and have clearly communicated this to  Honda  at different points in time. The events that led up to my financial woes are as follows : my husband left my child and I after  eight  years to fend for ourselves ; I was laid-off from my permanent position in downtown  XXXX  , D.C. ; and  I have been working temp positions here and there until I was finally employed by my current employer which just happened on  XXXX / XXXX /  XXXX  . The car being repossessed happened a day before I intended to make payment on the past due balance. I understand they kept calling, but I can not answer the calls at work, since again, this is a new position. Can yo u imagine the hurt of walking outside with my child to take him to school and head to work and my   XXXX   old tells me " Mommy o ur car is stolen! '' Can you  imagine  the embarrassment or not being able to show up to work due to my car being repossessed? I need my vehicle in order to get from point A to point B - to take my child to and from school, and for me to get to and from work. This is the first time I have had a repossession. It was ridiculous that when I went to pick up my belongings, they already had an agent the same day, less tha n five hours after picking up my vehicle, going through my belongings and bagging them up. Really-I could no t get an update from  Honda Financial Services in reg ards to the repossession until after  XXXX , but their repossession agent was able to go through my belongings in less than  five  hours from the time of the repossession taking place. When I ca lled Honda Financial Services t o get information, I was met with a " be patient, we still have to wait for information from the agent. '' Yet when it came to me making payment and asking for their patience due to my circumstances, I was met with hostility and urgency. I was not ducking or hiding from Honda-they were easily able to find my vehicle outside my apartment building. There was not trying to get over on them. I had ran into hard times, and as soon as I was starting to climb out of those hard times, I am pushed right back into the hole.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have only been able to get my annual free credit report once in my entire life from Experian. Their site gives a plethora of reasons and error codes as to why I ca n't receive my reprt. Some have included my personal information not matching, not being able to verify my identity, incorrect information provided, etc. Most recently, it advised me I had already received my annual free report, which is a lie. I have called them countless times over the years and they are always totally unwilling to help. I want my free report. This has gone on long enough.