WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax is updating my XXXX XXXX accounts with bogus information. The XXXX accounts are with a company under a rehab plan. Equifax has update this item numerous time with bogus information in an effort to keep my score low. I contacted the XXXX who advised that they do no update while the loan is in rehab however Equifax has updated numerous times with incorrect information. I have also found that Equifax is reporting XXXX set of payments on their equifax.com credit monitoring service and a different set of information on another monitoring service that I have with wellsfargo credit monitoring. It seems as if Equifax is keeping several sets of records. I have had numerous problems with Equifax over their practices and currently pondering a XXXX dollar suit against them. I most recently noticed that they listed XXXX accounts XXXX days for the last XXXX months. The account has been in rehab for the last XXXX months.
Equifax is reporting an address I have never lived at. They are also saying I am unemployed. I am employed full time.
I got a loan from XXXX XXXX about 12 yrs ago to attend XXXX college, XXXX, Tx for {$15000.00} with a " variable '' interest rate that always stayed around 14.5-15 %. I did not have to make payments while in school but they fail to tell you that they 're charging you interest. Because of not being able to make payment from not having a job my loan reached nearly {$25000.00}. Once I did get a job and started making payments they do not tell you that the monthly payment that they set is a " minimum '' payment which was n't even close the covering the interest of the loan much less any principal ( never gon na pay it off if continued paying minimum paymeny ) One I realized that was happening I started paying extra but was not seeing a drop in my principal amount it was all going to interest. Currently I am paying anywhere from $ XXXX/mon and have started seeing my principle go down but instead of that extra money going to principal they just push the due date for my next payment out further and further the more I pay. I currently still owe appx {$18000.00} and an interest rate that has been 9.25 % for several years that has been raised to 9.75 % without my knowledge. Just noticed the interest rate change XX/XX/2017.
Rush card asked we provide information to them to release funds. They told XXXX hours, has merchant release forms, are rude, hangs up in on. Holding out funds where we could not access funding from payroll that 's from our work! Causing us to have late payments and could not access funds during a disaster for shelter or gas to get to work. They give us misinformation and multiple representatives laugh and say it 's nothing we can do you will have to wait.
After disputing this account with ( ERC  ) Enha nced Recovery Corporation, ERC sent me a letter dated  XXXX   XXXX   2017, sta ting they have " requested for the  XXXX   XXXX  account to be deleted from any consumer reporting agency files to which they  may have submitted information to ''. I have attached the letter in this complaint. I sent this  letter to  XXXX  and they refused to delete this collection tradeline from my report.  XXXX  stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me.  XXXX  stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.
I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered.
On XX/XX/XXXX, I was preparing a large order on Home Depot 's website. When I went to checkout, the site displayed an advertisement stating that if I applied and was approved for a Home Depot credit card, I would receive {$100.00} off an order of {$1000.00} or more if I used that credit card to make the purchase. 

I applied for the card online by clicking on the advertisement, and I was approved. However, the credit limit imposed on the card was {$800.00}, meaning that I was unable to use the card to make the purchase and receive the advertised offer. 

I believe that this offer is a bait and switch, as there is no reason why the credit limit on the card should be so low. Information that was requested when I applied for the card, which I provided, was that I make {$95000.00} per year, and own my home outright ( no monthly payment ). My credit score is well above 700, I have an excellent credit history, and I have no outstanding or past due balances anywhere. 

For me to be issued a card with a limit of {$800.00} means that nearly anyone who applies for the same card via the promotional offer on the website will similarly be issued a card with a limit lower than that which would be required to take advantage of the advertised offer.

My only interest in obtaining a Home Depot credit card was to receive the offer that was advertised to me, and I was not able to do this because they put an unreasonably low limit on the card. As a result, not only did I not receive any discount on my order, but my credit score will also suffer as the result of an additional hard inquiry.
Every month I challenge NOT DISPUTE the reporting tactics of Experian and they keep avoiding my letters. They are breaking the law ( Section 609 ) of the FCRA. You will find attached a copy of new report that I received today. Experian is unwilling to provide proof that the accounts listed 1. XXXX and 2. XXXX. So here are the facts. I have been contacted by XXXX and they are telling me that this is an apartment lease with the name XXXX XXXX attached to it. This account is not in my name, I am not responsible for it but Experian is telling me that they have verified this account as being mine. THIS IS 100 % false and they are lying about this to just keep something negative on my credit report. I contacted XXXX and they refuse to send me the original signed contract so what does that say about this BOGUS! 2. All XXXX accounts XXXX in total I believe can not be verified by physical documentation. I have reached out to them and they do not have any original signed agreements from me. This is also a medical bill, and by the doctors office turning this information over to this ARS company they are in violation of HIPAA because no document was signed giving them permission to share any medical information with a 3rd party, this goes for me or any patient. ARS is unwilling or unable to provide sufficient physical proof with me that these accounts are mine much less that the account balances are accurate. Yet Experian says they have verified them and now say that they are pending. Sorry Experian but another bureau had these listed against me and removed them within 30 days because they could not verify the information to meet FCRA guidelines so how can you? You are breaking the law and you are should be held responsible for physical and mental anguish that you have caused me by having to file these complaints. I recently spoke to your rep on the phone and had to remove a Fraud Alert that you keep placing on my file to try to justify you breaking the law and when I asked her why this information was still on my credit she said the creditors are the ones that report this we just list it WHAT A JOKE. That is not what the law says. The FCRA section 609 specifically is fully meant to provide a guideline to what YOU do not the creditor. So why are you breaking the law? Why is it when I ask you to show me physical proof that what you are reporting is correct you can not or refuse not to do so? Experian is breaking the law we need JUSTICE to prevail here as i am sick and tired of having to file these complaints but because it is my right to do so I will continue to do so. The next step if this is not resolved is to call the CFPB and speak to them directly so that you can be put in your place per the law.
Specialized Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This company purchased my mortgage loan recently and I have a perfect payment history. I have called on XX/XX/XXXX and spoke with XXXX who was rude and avoided my direct question whether they were a licensed third party collection agency-she finally admitted " yes '', I asked, why would SLS send a new customer a " collection notice '' and it even referenced that it was an attempt to collect a debt ... she said because they also service delinquent loans. I replied by saying my loan was NOT delinquent, and that I received my XXXX mortgage payment notice had incorrect payment amount and that it did n't reference my separate check # XXXX for an escrow shortage of {$740.00} and XXXX said that my info was wrong, there was NOT an escrow shortage ( even though I have notice from previous lender that there was so I sent the payment and check was cashed but not applied to my shortage ). I was promised a return call by XXXX a supervisor no later than XX/XX/2016. I never got a call and called their customer service number XXXX and was on hold for 16 minutes and hung up. I called back again today and same thing. I expect an immediate reply to my incorrect mortgage payment and an apology for treating a new customer so rudely and poorly. My next payment is due XXXX so urgency is appreciated.
On XX/XX/2016, I received a letter from Specialized Loan Servicing ( SLS ) illustrating that I was approved for a modification ; however, my mortgage payment is NOT more affordable. In fact, the payment is virtually the same. SLS also did not consider my application for the forbearance option. Moreover, SLS appears to have recorded my income incorrectly, despite a Letter of Explanation they requested and received on XX/XX/2016.
I purchased a XX/XX/XXXX Ford Explorer XX/XX/XXXX. I had XXXX for the first year of payments and then was transferred to Santander for the remaining. I paid my payments for a total of 7 years on a 6 year loan and ever time I would think I was going to pay it off I would still owe {$3500.00} to {$4900.00} dollars. I tried to call them and ask them how this is and how I still owe this amount and they were really rude about it and would n't give me an answer. I paid a total of {$42000.00} dollars for this truck that 's worth about {$2500.00}.
I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.
CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!
Chex Systems have me on my Credit Files on 3 credit Bureaus as owing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I do n't have nothing owed to them. These accounts was cleared up back in XXXX & XXXX of XXXX and my bank informed me it was showing as a debt owed and there is not one owed. 

I have call them and got the run around they was mailing me something to this matter and there is no real answer from Chex systems
Since being under Caliber Home Loans, they have never paid my taxes on time. They 've had every excuse in the book. I am tired of getting delinquent notices from my tax office.
I have tried numerous times to get my student loan payment lowered to an affordable monthly amount based on my income. Navient has denied any affordable price and only gives me outrages quotes I can not afford. When i told them I ca n't afford to pay they told me my credit can go bad and this will affect me. I asked them if they can garnish my wages and she said possibly which at that point i felt trapped. They said go ahead and pay the amount you are able to contribute each month but you will still be in bad standing as long as you are not paying the amount Navient is requesting. I asked what is the point of paying if i will still be in bad standing. I do not know how else to go about getting affordable payments as I already have other debts owed to the state and ca n't afford to pay what they ask of me. They call from multiple random numbers now harassing me to pay what i can not afford. It is impossible to avoid them as they call from different numbers every time they call.
XXXX XXXX Certified No : XXXX XXXX XXXX XXXX XXXXLienXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXXTrans UnionXXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX, 2015RE : Lien- REQUEST FOR PROOF OF CLAIMCase or ID # XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left.

They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. 

They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. 

I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. 

At the moment this issue is preventing me from being able to pass a credit check and move into a new home. 

XXXX  is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.
I paid Louisiana Recovery Services on XXXX XXXX in the amount of {$260.00}. This was for a medical account for XXXX XXXX. I asked for a letter confirming that the account had been paid and was told I would receive one. I have yet to receive this letter. 
I was also told to fill out the credit card authorization form and authorize {$11.00} and that would expediate and they would remove the account from all XXXX of my credit reports. I faxed in the form, called and verified it had been received. It had been received as of XXXX XXXX. I disputed the account on all XXXX credit reports as being paid. 
On XXXX, LRS did not remove the account and updated it, still saying it had not been paid. 
I called most recently in XXXX, at least 3 to 4 times. The last time, the representative lied to me telling my wife who was calling on my behalf that he had just spoken to me. Which was a lie, because I was in meetings in work all day and had not called them at all. 
As of XXXX XXXX, this account is still listed on all XXXX of my reports as unpaid. This is adversely affecting me and my ability to qualify for a home loan.
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. Experian I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them
I  XXXX   XXXX  deposited  XXXX  checks  XXXX  for {$1800.00} &  XXXX  for {$1000.00} on  XXXX   XXXX   2017 , Both local checks same town,  XXXX  from my wife and  XXXX  from a friend, On  XXXX   XXXX   2017  both checks cleared there accounts and I am still being told by  Citizens  Bank that there not releasing the funds till  XXXX   XXXX  because there is a hold on them even after citizens has the money.   XXXX  Thank you  XXXX   XXXX
I have a federal student loan being serviced by Navient and my account has been " disabled. '' It says to contact them for support but they don't have a support option for the time that I am able to contact them ( after XXXX PST ). I am unable to make a payment on my loan ( Which I already don't want to do ) and it is incredibly frustrating to be denied the ability to pay someone while being held responsible for paying them back.
My student load debt through Navient is {$55000.00} ( principle plus interest ). I asked them if I pay the principle amount, in full, will they forgive the remaining interest. They told me no. They said I have to pay the full amount. They were not willing to negotiate at all. I believe this is unjust and unfair. Note***My principle amount is around $ XXXX. Can someone please assist me with this?
I received a letter dated X/X/2018 from JP Morgan Chase Bank regarding my XXXX reward credit card. I have been advised my account will be closed for I could " create possible reputational risk to them '' if they continue our relationship. They contacted me to open this account. I had a mortgage with Chase for more then 15 years, it was NEVER late. I do not owe any monies to any one or any business. My credit is perfect. I will also loose my points associated with this account if I do not use them by XXXX. I wrote demanding an answer as to why my account is being closed, I still have not heard from them. In looking on line other persons have written this has happened to them. Many have various felonies on them, I do not have ANY record, not even a traffic ticket. I do not use this card much at all, however I do demand a reason as to why they are closing this account. I also do not want to loose my points. Any help is appreciated.
I filed disputes with all XXXX credit agencies XX/XX/XXXX, with Ally Financial that was reporting that I was past due XXXX, and I have missed several payments. This was deleted on my credit reports and was reinserted. Not only was I not notified but this lack of communication is key when I filed a complaint and requested an updated credit report as soon as possible.
Please note that a company using the names XXXX XXXX XXXX or XXXX at XXXX XXXX XXXX XXXX XXXX, SD XXXX phone number XXXX keeps placing a previously charged off and deleted mortgage lien item on my Equifax credit report since XXXX 2015. Each time I file a dispute, I receive a report from Equifax that it is being reported correctly, which it is not. Then, the item disappears and re-appears under a subcompany name. See items attached. I want this to stop, and for Equifax to be penalized for allowing this to repeatedly occur on my credit report. For example, I just received my XXXX Equifax resolution. It again reports that Equifax verified the item belongs to me. Yet, when I log on to dispute the item it is no longer there. So, I wonder when they will put it back on my report again. I have not had any business with this company, and want this to stop. Please assist me.
XX/XX/2015, I opened a Money Market Account with Santander Bank and was told by XXXX different bank managers that the account would earn .90 %. Each month I have logged on to the bank 's web site ( which has continually advertised .90 % ), to deposit additional monies to that account. When I received tax information regarding the interest earned for 2015, I began to question whether I had in fact been getting .90 %. I spoke with the local branch manager and was told that .90 % was a promotional rate, that I received for an unspecified amount of time, and now this account was earning .40 %. At no time was I told this was a promotional rate, nor was I told that the .90 % rate would apply for a limited time only. I could not find any information to that effect on their web site. In fact, Santander has continued to offer the same .90 % rate all this time. I feel that this is unfair and deceptive advertising. I would not have put my money into their money market account had I known the rates would change at an arbitrary point in time unknown to me. Furthermore, at no time was I given access/information as to the actual interest rate the account received. I feel that they were not clear in their business practices and they solicited my business under false pretenses.
The interest is 782 % they already in one month took {$290.00} with only XXXX to my loan principle. I borrowed XXXX However. the issue is that I was given false information on the payment amount. I was told that my payment was going to be {$100.00} each of my pay period in which I agreed. But in reality ONLY the first payment was going to be {$100.00} and all the ones were going to increase to {$190.00} each pay period. Which is totally insane! I would have rejected the loan if they would have given me that info in the very beginning! I do not have any paper documentation because I saved the email XXXX XXXX had first sent with all the information and It has disappeared from my box. But I am willing to swear under oath that he had sent me the information indicating the payments of {$100.00} NOT {$190.00}. XXXX became very verbally hostile when I questioned their false tactics. He then added more fee 's to my balance for asking him to take out the remaining XXXX on the next pay period. ( I had to borrow the money from family members so I can get out of this terrible situation. )
Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.