WillisBack/dataset-financial-user-claim huggingface dataset:
Company Name : Care Credit Problems : Interest, and supposedly missed payments..? 
People involved : Care Credit and Cardholder I have been paying on my care credit ( dental ) card since XXXX. I just got off the phone today XXXX XXXX XXXX, 2017 ) and I was speaking to a woman named XXXX about why my promotional balance was different than the current balance. I have never missed a payment for any of the promotional balances, and I never seen any other payments stated on my care credit account. So I asked her why that was, and she told me it was because of a charge of XXXX $ or so. She said there was also interest added from the time of the payment of XXXX $ every month sense. So I ask her, where is it stated at on my account? I tell her how I have been making payments since XXXX from a balance that started out at a little over XXXX $ and now its down to XXXX ( promotional balance ), so why would I still be getting charged for the monthly interest? Why is the XXXX $ not paid off yet if I have been making payments to the current balance. She tells me that unless I call and specifically ask for the payment to go towards the non-promotional balance that it will keep charging me, and it will not be paid off. But she says I have XXXX $ left of the XXXX $ charge? Which does n't make sense, given that my promotional balance is still being paid on. It does not state it on my account, I was being charged, they were saying my payments were late, but all it showed was just a difference in the charges that I just became aware of after I paid off the last promotional balance. So my last promotional balance shown says XXXX $ and the current balance is XXXX XXXX I just do n't understand how I can be charged interest for something that is not stated on my account or even presented next to the promotional balance, I was n't able to pay all of it at once which is why I had a promotional payment, but I have been, and am currently still making payments, so that XXXX $ should have already been paid off even so. Its not fair that I have to call to make a specific payment about a charge that is n't even stated on my account. If I am paying towards the CURRENT BALANCE than it should cover all charges that would be present, including the hidden non-promotional purchases.
I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution.
I noticed this debt collection company has been listing a collections account on all my credit reports. I never received any correspondence from this company and never received a notice of right to dispute. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
back in XXXX 2016 i use equifax to look at my credit report XXXX is a void order number i have chat with customer services they agree the number is wrong i try to have them remove the number from the account because i can not see all complete dispute
I recieved a notice from Midland Credit Management , Inc. ( MCM ) that I owed an " original Creditor : '' XXXX ( South Dakota ), XXXX. and that the current balance was {$18000.00}. It does not describe what the debt is for or any details concerning it. I have no knowledge of any such debt. 
MCM offers a 70 % discount if I pay {$5500.00} by XX/XX/2015. 
I have never failed to pay a debt in my life. 
I called the phone number which is on the front page of their notice, at least XXXX places, XXXX times over a three day period and recieve a recorded answer : " All circuits are busy, please call back later '' or " Call can not be completed, try again later '' " message TX XXXX MN. ''
My bank sent in a check to pay off my card on XXXX XXXX, 2016. Included with the check was the stub from the bottom of my statement that you usually send with payment. The bank then received a notice that the creditor did not know which account to apply the check to and need the account number. I spent several day while working out of town and attending my grandmothers funeral to acquire my account information. I was giving a lot of run around with no solutions. Once I returned home on XXXX XXXX, I began trying to acquire my account number as I had given up while arranging my grandmothers services. The final solution was to request a new credit card with the number on it. Which I believe was deliberately miss filed and I will get to that in a while. In the mean time I continued to receive phone calls that began to become harassing, happening multiple times a day and sometimes calling and hanging up like it was a game. When I ordered the card I was told to wait XXXX to 10 business days. I waited. In the mean time I was still receiving calls. Time after time I asked the rep to check their notes and sometimes explaining the full situation in hopes they would make another note of it and stop calling. That never happened. Finally on XXXX XXXX, I called back after XXXX collection calls that day and asked for my call to be escalated to the highest department possible. There, with the help of my bank the card company was finally able to locate the check which was already cashed and submit a dispute to my account. Today XXXX XXXX I have already received XXXX calls and notified them I will be reporting them. Have quoted the Fair Debt Collection Practice Act, even thought it may not apply to them, but hopefully it helps, and notified them I will be sending a cease communication letter via certified mail. Please help.
I am disputing the following hard inquiries on all my credit reports to include transunion, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX TransUnionXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a XXXX of this countryand would like to see these stricken from my record.
I have attempted several times in past week - XXXX XXXX to freeze my credit with equifax continuous ERRORS after several screens others XXXX and XXXX also want to charge me even though XXXX million of us were hacked time to step up and make them FREEZE OUR ACCOUNTS NOW - cost {$0.00}
A payment for XXXX that the Westlake Financial commando took from my account on XXXX XXXX, 2017, has not been accredited, I have written emails, without receiving any response to my request to credit the  missing money, I have called and they just tell me that in the next week they will credit it and nothing happens, I do not receive an answer, 6 months ago, and they charge me excessive interest charges, it is not the first time and two more payments have not been accepted, but those were solved, but This payment is pending. My initial credit was {$18000.00}, I paid {$8900.00} in one year and only {$4000.00} has been credited to my account. I think it 's an abuse on the part of this financier. I hope you can help me, thanks
, Big problem here. Went bankrupt in XXXX, discharged, home not reaffirmed. My Uncle lived in it until his death in XXXX. I have been trying to negotiate with bank ; it is a Home equity loan only, no first mortgage. They first accepted a offer and I was ready to go but my attorney never got back to me in time, then the person I was working with left the bank for another job. 

Fast forward to today, I again made the same offer, they will not accept, will not foreclose, will not deed it lieu ... nothing. The house is in a very, very crime ridden area, run down and will be worth nothing soon. I am at my wits end, I am on XXXX and I try to keep up property, taxes and insurance but it is hurting me badly and I have fallen behind on taxes. The Mortgage Company is holding me hostage. After the Bankruptcy attorney never followed up and caused this problem I have not spoken to him since, I was very upset. ( Especially when he tried to charge me for doing nothing ) My question is, what can I do? Do you know someone who could help? Do n't I have any rights? 
Please let me know what you think, I appreciate any help. Thank You
On XX/XX/XXXX I applied for a personal loan in the amount of {$7500.00}. I submitted all of the requested documentation, and created an online account with Lending Club. 

By XX/XX/XXXX, I was notified that my loan had been approved and fully funded 100 %, and that it might take my bank an additional 4 days to deposit the funds in my checking account. Since that time I have made numerous phone calls to Lending Club to find out why my loan was still unfunded. On XX/XX/XXXX I reached a supervisor, by the name of XXXX who told me that they were having some technical problems and things should be resolved soon. My last contact with Lending Club was on XX/XX/XXXX. I spoke to a representative, named XXXX. After explaining my situation, she put me on hold and spoke to Supervisor XXXX. When she returned to the line, she said " the issue regarding my loan was a big mess and they were sending it to the big bosses to resolve the matter and it could take an additional 2 weeks ''. 

I applied for this loan to consolidate my bills and do some home repairs. During this long wait from XX/XX/XXXX until now XX/XX/XXXX, I have lost time and other options to apply for a loan. 

I have been treated unfairly and have been misled by Lending Club. I am requesting that the loan I applied for and was approved be funded to my bank account as soon as possible, with no more delays and unsatisfactory excuses. 

Thank You.
Too many dates to count- the debt is continually sold to other reporters when I explain situation and this debt has been settled and discharged. 
XXXX XXXX- {$2300.00}, 3 accounts- medical debt that was discharged and filed on my XX/XX/2015 taxes.
When I discovered I was a victim of identity theft, I ran my credit reports and began disputing the fraudulent hard credit inquiries on my report. 
A person posing as me, using my social security number applied for credit with SunTrust Bank on XXXX XXXX, XXXX. I disputed the hard inquiry with XXXX immediately and contacted SunTrust in writing and received a written response dated XXXX XXXX, XXXX indicating they received my dispute. I received a second letter dated XXXX XXXX, XXXX informing me that they have researched my account and have determined the account is being reported accurately. I wrote them a second time explaining that I never have applied for credit and they 're providing inaccurate information to credit bureaus. Both times I also included a copy of my FTC Identity Theft Report and proof of my identity. 
Having failed to accomplish anything productive via mail, I called the number provided in the letters SunTrust sent me, XXXX. After nearly 20 minutes on hold, I spoke with a man named XXXX I think. He did n't speak his name clearly. I explained I was the victim of identity theft and SunTrust was inaccurately reporting a fraudulent hard inquiry. I asked what it will take to get it removed from my credit history. He seemed to have not listened to anything I said because he kept talking about the money I owe them and I will have to pay it. I explained that my niece used my social security number to apply for credit with SunTrust without my knowledge or permission. XXXX then told me that since I admitted I knew who did it, he ca n't help me. He either can not or will not actually listen to what the customer has to say. I told him I wanted the documentation they have for the application so I could take it to my local police department as evidence. He told me that he does n't have to do anything. He became belligerent and rude with me. When I told him I was recording the phone conversation, he hung up on me. I called back and was able to speak to a gentleman named XXXX. I explained the situation again and he gave me a different number to call, XXXX. I 've called this number three times and have n't been able to speak to anybody. The first two times, I was forwarded to a full voicemail box and instructed to call back another time. Today, XXXX XXXX, I was able to leave a voicemail but have very little confidence I will receive an acceptable response.
I had Bank of America, from XX/XX/XXXX to XX/XX/XXXX, i fell behind on payments, because loss of job, I was in contact with the bank, trying everything for negotiations, I called daily for help with no relief, I did have knowledge of Banks getting help with $ , I still am in not understanding that I had so much hope, when I called them it was yes we will help you, begging them, right in the middle of paperwork, giving me 3 month trial, I got a notice of pre foreclosure, witch I called the bank, they told me to ignore they were still trying to modify my loan, With in 30 days I had a foreclosed paper on my window, that same day I got letter saying sorry I did not qualify, I got on the phone n trying to speak to someone at the bank, my account number was not in service, this was all XXXX I believed in them, I was devasted in the whole mess, I wish I would not have lost my job, they gave me a loan that they knew I could not qualify, it was a predatory loan, I lost Respectfully, XXXX
I attempted to open a checking account with XXXX XXXX XXXX on XX/XX/XXXX and was denied because Chex System is currently reporting I owe XXXX   XXXX XXXX  XXXX {$250.00}. XXXX XXXX was included in my bankruptcy case and the debt was satisfied when I was discharged on XX/XX/XXXX.
While applying for credit I came to learn that I had a judgement against me from XXXX XXXX. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.
Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.
credit inquiries made that I didn't consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
I obtained a pa yday loan through Quick Credit in   XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my  XXXX  children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single  payment a month fit for my income, and they will take th e 1st payment   XXXX   XXXX   2017, Quick Credit has called my phone, my job, friends and family relentlessly!!   They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior  to  XX/XX/XXXX , stating they  will pay them   XXXX   XXXX   monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do!  XXXX   XXXX   XXXX  the debt consolidation place referred me to reporting them here!
XXXX XXXX, through Bowen and associates in Texas, is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX XXXX in Florida. This is a debt for which I have no responsibility. XXXX XXXX is trying to collect money for extra work he did that was never contracted. His contract even states extra work will only be executed upon written agreement and will then be an extra cost over and above the contract price. There is no written agreement for this extra work. My contract was paid in full upon the completion of XXXX XXXX job. XXXX XXXX is attempting to collect more than double what XXXX XXXX originally tried to collect without a contract. XXXX XXXX threatened to report this to the credit bureaus. He also told me he could file a lien against my property and that even the previous owners could be affected by this lien. This was a lie or perhaps ignorance because the lien, a mechanics lien, has to be filed within 90 days of completion of the job and he has to show breach of contract. There is no contract and it had been more than 90 days upon his first contact with me. He also failed to tell me verbally that I can dispute this debt and I never received a written validation letter for the debt. That was a violation of the FDCPA.
XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.
BACK IN XX/XX/XXXX i MODIFIED MY MORTGAGE ( W/EXISTING BANK, XXXX XXXX ) AND NOW HAVE DELINQUENCIES OF SEVERAL PAYMENTS ON MY CREDIT REPORTS. UPON MODIFICATION IN XX/XX/XXXX I HAVE BEEN PAYING THE NEW MODIFIED BALANCE ON-TIME EVERY MONTH ( FOR THE PAST 6 YEARS ). THESE DELINQUENCIES SHOULD BE REMOVED.
On   XXXX   XXXX  , 2017 i recieved a charge to an annual fee for capital one. I contacted them and notified them i would n't be able to pay off the fee due to my college tuition being at $ 11,000+. I also made them aware that i have been with capital one for 2 years and that i have always held a responsible account ownership. This is in regards to my credit card ending in  XXXX . I mentioned to the customer service representative that i would consider closing the account if necessary.
I have paid off my car loan to the finance company (  Santander Consumer USA  ) and had not received my car title. I tried calling several times to the company and never got to speak to a representative. I received a notice from the company almost  two  months after my last payment and my maturity date of my loan stating I still owe an amount. I called the company again today and was finally able to speak to a representative of the finance company. I asked why did I still owe on my loan since I have paid all the payments in my loan contract and my loan has matured. the representative said it was accrued interest. I believe that is wrong because the interest is paid within the first years of your loan and you do not pay principal until the last years of your loan. I went a year in a half longer than my initial maturity date due to getting an extension on the loan.     At this point, I feel I am getting slammed exorbitant ( fees and interest ) amount for a loan I have clearly paid off.
I purchased a XXXX XXXX Reward Prepaid card. I could not complete the verification online to get a personalized/permanent card. When I called the number provided I was told I would get a call within 24-48 hours to complete the registration. 
After 27 days and me calling three times, I finally got a call and was told I had to call XXXX. Why? They do not issue the cards and this has no effect on my credit. Plus the number ( XXXX ) they gave me was only for members or people who had a credit report problem. 
I do not think they should be able to access my credit reports when this in no way will effect my credit.
I received a credit report from XXXX and I don't agree with the current findings. 

NOTES FROM REPORT : Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; TRANSFERRED TO ANOTHER OFFICE
On Wednesday, XX/XX/XXXX I called XXXX to try to get a security system. They used Equifax to check my credit. They found no record of me. On Thursday XX/XX/XXXX I called Equifax directly and was told that I did not have an Equifax account. When I inquired how that could possibly be as I was a XXXX XXXX XXXX former home owner with multiple credit cards, the Equifax customer service representative argued with me and told me that I simply did not have credit with them. When I expressed my concern and asked to speak with his supervisor he refused. When I checked my credit report, the last time Equifax reported on me was in XX/XX/XXXX. This week of course I read what happened at Equifax. I called the Equifax help line and explained my situation. The woman on the phone had no remedy for me. She told me to go to the website they had set up to see if my account had been affected ( even though I told her that my account had been erased on their site ). I went on their help page and put in my info and got a message saying I was n't affected! I am beyond upset. My Equifax account has obviously been hacked and erased. The company is offering no resolution. I need help. I tried to freeze my XXXX account online and could not because some of the security questions did not apply to me. I am quite concerned about identity theft at this point.