WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!
I requested Transunion investigate the XXXX payment history on my account, The payment history appeared to be a pattern and made no sense. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX I have made several attempts to have this inaccurate information removed from my account. They continue to update this information with the same errors.
On Saturday XXXX XXXX, 2017, I purchased a XXXX through Mini XXXX ( MD ). I have Tier 1 credit score and by car and my credit profile qualified for a 1.4 % interest for 72 months offered through Mini/BMW XXXX. However the Finance Director ( XXXX XXXX ) offered me 2.99 % and after I agreed to purchase an extended " Maintenance Plan '' he offered me a " discounted '' rate of 2.4 % for XXXX through Mini/BMW Finance. I later found out from another Mini dealer, that I was eligible for the 1.4 % for 72 months, from Mini/BMW, but the XXXX XXXX /the Dealer never disclosed that to me, even though I asked multiple times. 

I also found out that the XXXX XXXX had quoted a price of {$2900.00} for an extended Maintenance Plan ( 6yrs/100k miles ) and then offered to lower the price to {$2500.00} saying he had a {$300.00} margin. I decided to accept the plan based on the information he shared about the actual cost of Maintenance for XXXX XXXX over the 100k miles, if I keep my vehicle. I found out from another Mini dealer who immediately quoted me {$2500.00} without any negotiation. 

I emailed XXXX XXXX on Wednesday XXXX/XXXX/2017 about the two issues described above, he called me back and stated that he was under no obligation to offer me a 1.4 % rate which he confirmed I was eligible for, but did not disclose to me at the time of financing. He also stated that he has a {$300.00} margin on the XXXX plan and he will be happy to send me a cancellation form if I wish to do so. 
I spoke to the Sales XXXX XXXX XXXX XXXX on XXXX/XXXX/2017 and he too stated that " XXXX XXXX did nothing wrong '' and what I experienced was " industry practice '', he went as far as saying, " every dealer does this ''. 

As you can see from the above there are multiple issues impacting consumers of auto lending and auto warranty/maintenance programs which lead to deceptive/unfair practices by either Auto Dealers or Auto Finance companies since there is lack of transparency to the end consumer : 1 ) Mini/BMW website did not disclose their promotional rate of 1.4 % on their website, and Mini of XXXX XXXX did not either. However another Mini dealer in NJ did disclose it and therefore I was offered a higher interest rate by Mini of XXXX XXXX, than I was eligible for given my credit profile and vehicle. Why is n't the dealer required to disclose the mark-up they are putting on these loans? It leaves consumers of auto financing vulnerable to abuse by dealers and their finance departments. 

2 ) MINI/BMW sells extended warranties, maintenance plans and other options, however there is no suggested retail pricing available for these additional options, unlike the MSRP for a car, and the dealers are free to quote any price they want. As a consumer of these products, there is no way for me to know what price is a reasonable price, since neither Mini/BMW nor the dealers publish their prices so consumers can cross shop before hand. Thus the market is not transparent. So I had to make a decision on the spot during the financing process, which put me at a disadvantage.
I recently purchased a car XX/XX/XXXX. My payment was due XXXX XXXX. I was unable to make the payment on XX/XX/XXXX. The finance company called me 2 times the morning of XXXX XXXX. I missed both calls so I called them back that afternoon. I spoke with a representative and advised her I would make my payment on XXXX XXXX. She asked me why I was late and I told her. I asked her if I could change my due date she told me once I made my first payment I could get that done. I told her I did not have a statement and I needed it to set up an online account. She suggested that I call in the payment since it was already late instead of mailing it and told me what the fee would be. I told her I would and she said great she would note my account accordingly. 
Sunday, XXXX XXXX, I had a missed call from them. 
On Tuesday, XXXX XXXX I had a missed call from them at XXXX XXXX. At XXXX they called again, I picked up the call and advised the female representative that I spoke to someone last Friday and made an arrangement to pay. She said, okay and we disconnected the call. At XXXX they called again. I picked up and told that representative that this was bordering harassment and that I already spoke to someone on Friday and made arrangements, and that I told that to the representative that called earlier that day. 
Today, XXXX XXXX, they called me at XXXX, I picked up, there was brief silence then the call disconnected from the other end. I received another call at XXXX XXXX. I spoke to that representative and advised her about all the other conversations I had. She said if I do n't ID with a representative they can not note my account. I did not tell her I did not ID with the XXXX representatives that called me on XX/XX/XXXX. How would she know if it was not captured systematically? I told her I also spoke with someone on Friday XX/XX/XXXX and made arrangements. She said the representative I spoke to on XX/XX/XXXX did not note my account. 
In 6 days, between XX/XX/XXXX and today, I have had 4 missed calls, made an outbound call, had 4 incoming calls where I spoke to XXXX separate representatives without giving them ID ; XXXX that disconnected shorty after I answered and this last representative who I had an extensive conversation with, like I did with the representative on XX/XX/XXXX totalling 9 Calls in 6 days.
On XXXX XXXX 2017, Equifax gave access to my report, along with millions of others, unauthorized to an unknown 3rd party. They offer the standard freezes, but no substantial help for people they are supposed to protect.
The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
In XXXX 2015 I reported to Experian that XXXX XXXX had incorrectly added a late payment to my credit report after advising me to make a payment after they modified my mortgage payment after a randomized " escrow analysis '' in the middle of a billing cycle. After the corrected the balance due, I promptly made the payment and then they sent the late payment report to the credit bureau after telling me multiple times that it would not be late. I had representatives agree with me on the phone and then never correct this on my credit and I am appalled. I want this removed. I have tried to have this reopened by Experian and their site will does n't accept the uploads. XXXX has done this twice on my credit report after 10 years of paying my mortgage on 10 without one late payment. It 's unfair and needs be stopped and Experian should look at the documentation of consumers closely.
i was sued and garnished by XXXX XXXX thru XXXX, XXXX  and XXXX. garnishment started on XX/XX/XXXX. for the amount of XXXX court cost of XXXX and sheriffs fee of XXXX for a total of XXXX they made me pay XXXX 
my balance was paid in full the last payment of XXXX on XX/XX/XXXX. my credit report was XXXX balance from them. then on XX/XX/XXXX they added a balance of {$880.00}. saying that i still owe them money.. these people are ruthless to say the least. i need help clearing this up please
We keep getting calls from an agency. When call them back to find out about the debit, I am told they do n't have a record of my number and they will take me off the list. The calls have not stopped and I have called them several times with the same result.
XX/XX/XXXX my mother filed bankruptcy during this time ASC or wells Fargo was reporting this account XXXX Days late in bankruptcy as long the account is current you have to report it as current you can say this account in bankruptcy but that is it, I was not in bankruptcy or list in it, so my account should not be affected when I contacted ASC XX/XX/XXXX to have them straighten out they had credit bureaus all XXXX Delete account that way I could n't show I had a mortgage and it would keep me from getting another company to finance us, I have sent the discharge letter to all XXXX Credit Bureaus asking for my Mortgage be put back on my Credit from XX/XX/XXXX when Bankruptcy ended and to update it as Current per the Courts and the Chapter XXXX Trustee, All I keep getting back from credit bureaus is there is no account on my credit report I know cause they deleted them and for no reason, Now I am getting ready to have XXXX refinance me within the next year I am a XXXX and I need this fixed ASAP, I know why Wells Fargo had them delete to keep me from getting another loan cause I do n't have history No one will refinance us.this has been removed since XX/XX/XXXX my mom started the bankruptcy in XX/XX/2006 this is still a issue and its ridiculous they have my mom in this bankruptcy for her mortgage and its the XXXX XXXX back to back they messed up the first bankruptcy and let them tack on {$2300.00} after completion so we ended back in bankruptcy.
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.
Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9400.00} and {$8600.00} with a duplicate account reported as a XXXX and owe amount of {$9000.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!
I 've been a customer w ith Capital On  e since 2008. I have perfect credit and I 've always made my payments on time, and yet they closed my account with no notice. I was trying to get gas when my card was declined. I called to see what the problem was and they said that they closed my account due to my account not meeting their " expectations of personal, family, or household purposes ''. They said that they sent me a letter about it the day before, but that it would n't have made it to me yet, which they said was the only reason they were  willing to even tell me about it because I had n't actually been notified about it yet. I tried to find out what they meant that I was n't using my account for personal use, and they would n't tell me anything about it. I asked to  talk to a manager and they said it would be 24-48 hours before someone would contact me. This is poor customer service and I really feel like they have a complete disregard for their customer relationships. What if I did n't have any other way of paying for my gas? I would 've been stranded at the gas station. And why? Because Capital One decided that they did n't like the purchases I 've made?? I dont get it. At least let me know that you 're closing my account ahead of time so you do n't put me in a bad situation when I 'm counting on being able to use my credit card. It 's ridiculous. I think they just did n't feel that they were getting enough interest out of me, so they closed my account. I wo n't ever d o business with them ever again, for credit cards or otherwise.
I TOOK OUT A CAR LOAN IN XXXX W/CHASE BANK. FOR A XXXX GMC YUKON. MY GMC WAS DEEMED A TOTAL LOSS BY THE MY INSURANCE CO [ XXXX ] ON XX/XX/XXXX. MY INS. CO. BY POWER OF ATTORNEY MY INS.CO. REPOSSED MY VEHICLE ON /OR BETWEEN XX/XX/XXXX & XX/XX/XXXX. AT THE TIME MY INS. CO PAID FOR A RENTAL VEHICLE & SOON AFTER SENT ME A CHECK FOR THE BALANCE OF THE EQUITY AND AT THE SAME TIME SENT CHASE BANK THE BALANCE OWED ON THE LOAN. TILL THIS DAY CHASE PLACED A NEGATIVE REPORT WITH THE CREDIT BUREAU [ S ]. SAYING THAT I STILL OWED THEM MONEY. I 'VE TRIED IN WRITING, BY PHONE SEVERAL TIMES TO BRING THIS MATTER TO A CLOSE BUT TO NO AVAIL. I HAVE WRITTEN DOCUMENTATION ON ALL PERTINENT WRITTEN AND NON-WRITTEN COMMUNICATIONS WITH CHASE. THE ONLY RESPONSE I KEEP GETTING FROM THEM BY THEIR REPS OVER THE PHONE IS THAT THEY 'RE GOING TO MAKE A SPECIAL INVESTIGATION INTO THIS MATTER AND AS OF TODAY I HAVE N'T RECEIVED ANY RESPONSE. EXCEPT THAT ... VIA EMAIL ... I OWE THEM A PAYMENT. IT 'S BEEN WAY OVER 14 MONTHS. I 'M TRYING TO BUY A HOUSE WHICH I ALREADY HAVE A DOWN PAYMENT ON AND THIS NEGATIVE REPORT BY CHASE IS HAMPERING THOSE EFFORTS. PLEASE BE ADVISED THAT BEFORE [ AND ] AFTER THE HAIL STORM DESTROYED MY VEHICLE I NEVER EVER HAD A LATE PAYMENT. I ALSO SPOKE WITH MY INS. CO. REP. AND THEY TOLD ME THAT IT WAS OUT OF THEIR HANDS AND THEY ALREADY SETTLED AND PAID CHASE BANK IN FULL FOR THE AMT. THEY [ CHASE ] REQUESTED AS A PAYOFF BALANCE.
On XX/XX/XXXX I sent a debt validation letter to Tek Collections. I received no information pertaining to this debt listed on my credit report. I have tried to email them and got no response. They have no verified I own this debt and I would it removed from my credit.
TransUnion had 2 separate glitches that occurred that deleted two inquiries on my credit report and then was re-added to my report once the glitch was discovered. Transunion failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I called Transunion on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX regarding Transunion unlawfully re-adding inquiries to my credit report without prior notification. XXXX, before gathering my information, immediately said that I was not affected. I then asked to speak to a supervisor who could be of better assistance. Ultimately, he refused to delete the inquiries that were unlawfully added to my credit report. The computer glitch was TransUnion 's problem - not mines- which caused my inquiries to be deleted. TransUnion later added the two inquiries back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These two inquiries are from XXXX XXXX dated on XX/XX/XXXX and from XXXX XXXX dated on XX/XX/XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I ask you CFPB to help make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I have a card account by Synchrony at the Lowe 's store. It took a long time to get my card and apparently it was sent somewhere else before they sent a new one to me. At that point the person who recieved my card originally stole my identity and has started creating multiple credit cards with the synchrony company in my name. I have submitted a fraud alert on my name twice since then! I would like any applications to the this rediculous card company to be blocked because I will never personally apply for a card through them, and any other applications are fraudulent! Please stop letting people steal my name and credit, because you are too money hungry and ruin people 's lives by not doing the proper background checks to actually verify a person 's identity.
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The XXXX XXXX XXXX account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The XXXX XXXX XXXX. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
On XXXX/XXXX/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of {$250.00} per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of {$130000.00} from 8 % to .001 % for the remainder of the payment terms. I called the collection company on XXXX/XXXX/16 @ XXXX to accept the terms and set up automatic payments from my checking account. The first payment was to come out on XXXX/XXXX/16 which it did. Then I had another payment come out on XXXX/XXXX/16. However I did not have a payment come out for XXXX/XXXX/16. When I called on XXXX/XXXX/16 to inquire as to why no payment came out, they stated that the account had been recalled by the creditor ( XXXX ) on XXXX/XXXX/16 and then resent to the collector ( Allied Interstate ) on XXXX/XXXX/16. This process caused the original account number to be cancelled and a new account number to be issued. It also caused the automatic payments to be cancelled. I attempted to call the collection company on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, & XXXX/XXXX/16 to try to resolve this matter and have the collector reinstate the original payment agreement. On all of the above dates I asked for a member of management to assist with this issue. I talked to XXXX XXXX & XXXX XXXX whose titles are Vice President of Operations. Neither XXXX of these people were willing to reinstate the original terms of our agreement or contract. I made the first two payments totaling {$500.00} for nothing. The collection company also refused to correct the calculated interest per the agreement so that the rate would reduce to .001 % effective XXXX/XXXX/16. Since XXXX/XXXX/16, I have been incorrectly charged over {$3000.00} in interest. This is nothing more than a malicious and deceitful collection company and practice and I ask for assistance in holding this collector accountable for their illegal actions.
I had a XXXX of a spouse. With all the transactions regarding the XXXX XXXX, I notices unauthorized withdrawls with my card still on me, using my PIN and RFID. TD Bank refuses to help even with police report and report from work showing I was at work during these transactions.
On XX/XX/XXXX, I opened a Money MAret accoutn with Capital One Bank. The initial deposit was {$25.00}. They sent me a letter notification that the account was the account was in deed opened and the balance was available for use. For unexplicable reasons, they proceeded to close the account, but still keep sending me bank statements. I have called multiple times to request my reimbursement of {$25.00} but as on Today XX/XX/XXXX, the money is still on their possesion.
Received call from Merchants Credit Adjusters on XXXX XXXX on XX/XX/XXXX. Caller identified himself as " XXXX '' and asked for verification of the address of record, which I verified. XXXX ' tone was overly aggressive and condescending, even after I mentioned that I had set up a recurring payment via my bank to satisfy the debt. XXXX stated that I told a another representative on a previous call that I was unemployed. During the initial call I had some technical problems looking up the information on my account, meanwhile XXXX was continually condescending. After finally locating the info, I discovered that in fact recurring payments have been setup for the XXXX of each month culminating to the total balance. In fact, the first payment was made on XX/XX/XXXX, prior to receiving this call. Upon calling back Merchants, the 2nd representative refused to identify herself and told me that the Supervisor would call me back. I have not received a call back as of this writing.