WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.
A couple use ago my information was stolen and a person was depositing fraud checks in my account and withdrawing i made a complaint about it when i found out because of this i am unable to open an account or even take a loan out because of this.
On XX/XX/XXXX I notified XXXX with Diversified Consultants, INC over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from XXXX XXXX XXXX XXXX XXXX who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
BLAKELY WITTS AND ASSOCIATES HAVE A DEBT 0F {$540.00} ON MY CREDIT REPORT SINCE XXXX 2013 AND SEND MANY LETTERS TO STOP BILLING AND WAS NOT MINE. THEY WILL NOT REMOVE FROM CREDIT REPORT. OR IDENTIFY THE ORIGINAL DEBT COLLECTOR
the investigation was not thoroughly done. a collection agency is fraudulent saying i owe money to a previous property management customer from a customer i represented. we never went to court. before i closed the company we had a dispute over repairs and amount owed. this is not a personal debt or a loan.and the credit collection agency has no proof of such.
Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.
XXXX XXXX XXXX XXXX is reporting that i am 115 days pass due on an auto loan. They submitted the incorrect information to my gap insurance that is refusing to pay for a vechile that has been declared a total loss. In XX/XX/2018 they mailed me a letter stating that my report has or will be suppressed until they receive payment from my GAP insurance company, but they have been reporting anyway. I have contacted all three credit bureaus that they are reporting incorrect information. I submitted the letter for them to delete the information and they refused to delete it. It is hurting my credit tremendously, by showing that i am 115 days pass due.
I went XXXX XXXX XXXX on XX/XX/XXXX and the emergency physician is XXXX XXXX. I received a bill in the amount of {$800.00} where XXXX was billed incorrectly opposed to XXXX XXXXXXXX XXXX. I contacted the XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about the mix up. 

They told me that they spoke to someone named XXXX at XXXX and she told the XXXX XXXX that it was paid on XX/XX/XXXX and the XXXX XXXX thereafter sent a duplicate claim on XX/XX/XXXX which was denied due to it being a duplicate claim. 

It was then sent to a collection agency by the name of On-line services in error and I started receiving harassing phone calls and having issues with the collection agengy damaging my excellent credit and dropping my score. contacted XXXX back and they stated the EOB was needed. I sent the EOB ( explanation of benefits ) via email to a manager at The XXXX XXXX by the name XXXX. 

The manager called the XXXX XXXX Claims Dept to get the original ck #, needed the EFT. Told me it would show paid with the XXXX XXXX but has failed to remove off if my credit which originally should not have been put on my credit due to their mistake of filing with the wrong insurance company. 

I am demanding that the entire debt not only show as paid but removed off of my credit completely and my credit score points restored. I was in the process of purchasing a home and my score has dropped 26 points because of their negligence. Your immediate attention in this matter is greatly appreciated.
I requested that Experian address specific questions about an investigation they claim they made. The complaint is about Experian Credit Bureau not adhering to my request to remove specific information erroneously recorded on my credit report. Experian Credit Bureau was served a final notice and still has not submitted the answers to my questions about their investigation. This bureau has refused to remove all account information I have been disputing for a year now.
I specifically requested the following information from Experian : What certification/certified documents were received to conclude the investigation? I specifically asked for a complete copy of all information that was transmitted to the furnisher as part of the investigation.
I also wanted to know who they spoke to.
What was the date?
What was their position?
What number did they call?
What is the name of Experian employee who spoke directly to the creditor ( s )?
What is the position of this employee that spoke to the creditor ( s )?
What is your position to the employee?
I have listed below the companies/accounts ( 12 total ) Experian continues to record and will not delete. Please see attachments ( Exhibits A, B, C ) for each letter sent to Experian about the complaint/dispute.
They are as follows : 1. XXXX XXXX  Loan Type : Credit Card, Terms REV Industry : Bank Credit Cards Open Date : XX/XX/XXXX Status Date :XX/XX/XXXX No account number information recorded 2. XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Loan, Including Purchase Money First Industry : Mortgage Companies Open Date : XX/XX/XXXXStatus Date : XX/XX/XXXX Acct # XXXX 3. XXXX XXXX XXXX XXXX Loan Type : Conventional Real Estate Loan, Including Purchase Money First Industry : Mortgage Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX 4. XXXX XXXX XXXX XXXX  Type : Unsecured Loan Industry : Credit Unions Open Date : XX/XX/XXXXStatus Date : XX/XX/XXXXNo account number information recorded 5. XXXX XXXX XXXX Loan Type : Unsecured Loan Industry : Finance Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX No account number information recorded 6. XXXX XXXX XXXX Loan Type : Auto Loan Industry : All Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXAccount # XXXX 7. XXXX  Loan Type : Auto Loan Industry : All Banks Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX No account number information recorded 8. " XXXX XXXX XXXX '' hired by XXXX XXXX XXXX XXXX Acct # XXXX 9. " XXXX XXXX XXXX '' hired by XXXX XXXX XXXX  Acct # XXXX '' 10. " XXXX XXXX XXXX '' hired by XXXX XXXX Acct # XXXX 11. Bankruptcy chapter XXXX Type : Bankruptcy chapter XXXX-dismissed Filed Date : XX/XX/XXXXStatus Date :XX/XX/XXXX Court # XXXX / Case Number : XXXX 12. Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ReportedXX/XX/XXXX
First of all BCA Financial is trying to collect a bill from University XXXX that does not exist. When I called University XXXX they said there 's no balance such as {$2700.00} from XX/XX/XXXX/2008. 
Second of all, even If I owned it should not being reported to the credit agencies because they are saying the procedure and the bill was in XX/XX/XXXX/2008 which is over 7 years to be reported. 
I already gave them the opportunity to remove, but they said they wo n't to remove. 
BCA Financial XXXX XXXX - XXXX # XXXX XXXX XXXX billing dept : XXXX XXXX University XXXX : XXXX
Since XXXX 2017, my Discover It Chrome Card has not been showing up on my XXXX XXXX XXXX it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly XXXX points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the Discover Card on the XXXX report ; it 's on the XXXX and XXXX.
On XX/XX/XXXX I ordered parts from an online merchant, XXXX, based in North Carolina, USA. The total charged to my card was {$180.00}, which included a {$40.00} charge for overnight shipping. I received an automatically generated confirmation email from the merchant within 5 minutes of my order. 
On XX/XX/XXXX, I called XXXX and left a message asking for information when the merchandise would be shipped out. I received no response. 
On XX/XX/XXXX, the {$180.00} transaction posted to my PNC account. I also sent an email to XXXX requesting information. 
On XX/XX/XXXX, I sent a message through XXXX to XXXX as I could not find any other means to contact them beyond mailing a letter. I received a generic, automatically generated reply. 
On XX/XX/XXXX, I contacted PNC via telephone to dispute the {$180.00} transaction. 
On XX/XX/XXXX, I received a provisional credit for {$180.00} to my account. 
I received the initial request for information via mail, filled it out with the history behind my attempts to contact the merchant. I signed and faxed the reply to PNC the same day I received it. I believe this was around the XX/XX/XXXX. 
I did not receive any other communication from PNC until XX/XX/XXXX. 
On XX/XX/XXXX, I received a request from PNC, dated from XX/XX/XXXX to clarify the information regarding the date and the exact merchandise I expected to receive from the merchant. I faxed a reply on XX/XX/XXXX with this typed statement : " The merchandise I purchased from the merchant, XXXX, consisted of six ( 6 ) XXXX XXXX XXXX XXXX ( XXXX ). I have received no communication from the merchant that indicated when or even if my item would be shipped, much less when I would receive it. Despite trying to ascertain this information by reaching out to the merchant more than 4 times through voice and electronic messages, I never learned if the merchandise had even been shipped. At this point, 3+ months after the transaction I have received absolutely no communication or logical reason to believe I will ever receive the merchandise that I paid for. '' On XX/XX/XXXX, the provisional credit of {$180.00} was reversed without notification or warning. I only discovered it today when going back through my records. 
The last communication I received from PNC was the written request for additional information on XX/XX/XXXX. I did not receive a notice that they considered the dispute resolved or I wouldve picked up the phone and called them immediately and initiated a XXXX chargeback if they were still in disagreement. Because of PNCs failure to notify me or perform their due diligence I no longer have the option to initiate a chargeback thus I am initiating this consumer complaint. I also have doubts that PNC even attempted to contact the merchant and I am very curious as to PNC 's reasoning for reversing the provisional credit. I am assuming they believe the dispute is resolved but I don't know considering I received no final notification or findings from their investigation.
Wells fargo bank / mortgages, have deliberatly refused to answer any of my questions about no1 Fraudulent forclosure, no2 no missed paymants, no3 acount in credit {$1000.00} {$5000.00} in escrow, insurance damage check {$2500.00} total {$8500.00} no 4, forced home owners insurance at XXXXtimes amount, no5 altering documants, perjury committed, no 6 house sold to third party then resold within XXXX days $ XXXX more, no XXXX predatory lending stole property, with XXXX % equity over $ XXXX stolen no7,, miss sold pickapaymant mortgage no8 FHA insurance fraud, XXXX cfpb cases to date with wells fargo bank, all these qestions have supreme court and county court orders for compensation, cfpb why are applying zones when wells fargo bank has decieved the consumer, why are you saying people are protected why, i requested your help in XX/XX/XXXX and you did nothing and i lost my home in XXXX XXXX to fraud and you did nothing about it then Now XX/XX/XXXX and more complaints to you all i see is are fineing wells fargo bank, and not passing on any compensation monies you are working for wells fargo you can say you won this and that no money has changed hands. also no 8 croocked judge XXXX XXXX XXXX county court in Cahoots with wells fargo, also atterney for the bank handbook how to fradulently print and copy documants forgerys this bank is sham it should be shutt down
I received a low FICO credit score from XXXX credit card, and per its info provided, contacted TransUnion, who refused to give me my credit score. I asked them if my score was the same w/them and whether it is above or below XXXX. They stated they could not tell me because every company uses a different scale, and that I would have to pay for their numerical score. Why would I pay for a score that is not standardized? I asked them " if I were applying for a mortgage, which score would be preferred from the mortgage company, TransUnion or XXXX ''? For the record, XXXX just XXXX my credit limit, yet my score is low. She stated I would need to obtain a score from each company. That 's absurd! There has got to be a standard scale that every credit reporting agency, credit card provider, etc. uses across the board, and if there is n't, there should be. Otherwise, I should start a credit reporting company and create my own scale for those who are disenfranchised, who refuse to obtain credit cards to establish credit when cash should speak volumes rather than borrowed money.
I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named Grant & Weber in XXXX California. I have called to XXXX and disputed the information. I also placed a call to Grant & Weber on Monday the XXXX of XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.
I FILED CHAPTER XXXX. THE CREDITER DID A HARD INQUIRY AFTER I GAVE THEM THE CASE NUMBER AND MY LAWYERS INFORMATION .WHICH RESULTED IN MY CREDIT SCORE DROPPING.THE DID NOT HAVE PERMISSION TO RUN MY CREDIT. THIS ACCOUNT WAS ALREADY CHARGED OFF AND THE INQUIRY SHOWS IT BEINGING ON MY CREDIT REPORT FOR TWO YEARS. MY BANKRUPCY CASE NUMBER IS XXXX AND THIS LOAN IS INCLUDED IN IT.
Syndicated Office System s, LLC Has not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.
Around XXXX of XXXX, I opened a XXXX checking account with Citibank. The reason why I opened the account was because they were running a promotion for new customers who opened an account. The promo was for XXXX XXXX XXXX miles if you opened a checking account and met the requirements. The requirements were to : 1. Use the debit card associated with the account for {$1000.00} or more. and 2. Do at least one bill payment on the account for two consecutive months.I opened the account, verified with the representative that the offer would apply to my account and she confirmed it was applied. I fulfilled the requirements and messaged Citibank securely to confirm I met the requirements. I received a response confirming I met the requirements and to wait 90 days after the month I had met the requirements. They gave me a date of XXXX/XXXX/XXXX as the latest day the points would post. 

I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.
Account name changed with unconscionable errors. I.e. no attempt at accuracy at all by comparison with existing info.
I signed up for a private student loan for Chase Bank at the age of XXXX to cover my education expenses. Of course at that age I was extremely naive to the drawbacks of a private student loan. Years latter I received a call from Chase Bank telling me that the loan totaling {$21000.00} was due in full immediately. The gentleman I spoke to was extremely rude and told me that there was no way to pay the loan back in installments or a payment arrangement. He told me that the only way I could resolve this matter is by somehow coming up with the full sum of the loan and pay it back immediately. I found this odd because I am still in school and was under the assumption that the loan would be payed back upon graduation and through a payment arrangement like a traditional student loan. Now the loan has defaulted on my credit report, ruining my hopes of establishing credit and owning a home. If Chase Bank would be willing to negotiate some type of terms I would be more the willing to start paying back what I can.
E transfer at Regions XXXX XX/XX/XXXX Regions Bank Department of Electronic Transfers I am requesting your help to start an investigation for an abnormal electronic  transaction was done by the Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, and also I am asking to get reimbursed the money I lost with it. 
In XX/XX/XXXX I asked to get an electronic transfer for the amount of US {$4200.00} Dollars from my checking account XXXX at Regions Bank into a personal account in XXXX, XXXX XXXX, XXXX ; swift code XXXX ; Beneficiarys Account # XXXX ; Wire Sequence # XXXX ; XXXX XXXX. 
The money was taken out same day from my account, but held with not reason until XX/XX/XXXX. I was told that it was caused by the intermediary bank XXXX used by Regions Bank . I am pleased for the promptly response and commitment from the branch manager to resolve that situation as soon as it was communicated. However, It was not resolve immediately, but 18 days later. 
With that money, I was committed to get done a payment on time-of health insurance for my wife, my son, and myself. But, because the delay of the transfer I had to pay a late fee and interests for the amount of {$50.00} Dollars. 
Besides that, the exchange rate was paid at lower rate than the current value of the Dollar in the market at that time. It was done for the amount of {$2800.00} pesos per each Dollar, which is lower XXXX pesos per Dollar. It means that I lost additional {$170.00} Dollars with this electronic transfer because the exchange rate. 
Total lost amount is {$220.00} Dollars between late fees and lower exchange rate. 
I had done previous transactions with no problems, but this was unacceptable one. 
Please, let me know the result of your investigation. 
Thank You, XXXX XXXX Phone XXXX
Re Wells Fargo Bank In XX/XX/XXXX I obtained a mortgage loan thru the above bank on my current home to purchase a vacation rental condo in So. CA. I was also strongly encouraged to get a checking account and savings account with the bank, which I really didn't want but I did it anyway. As it turned out, the investment became a disaster and sold the property in XX/XX/XXXX. At that time the mortgage was paid off. 

Approx around XX/XX/XXXX of this year I received a XXXX for XXXX. On the form, box # 3 " Other Income '' shows a figure of {$880.00}. I never received this amount. I have no idea what this is. I called when I received this form and I was given some stupid statement that didn't make sense. I said I want something in writing and I was supposed to receive something in writing but haven't so far. I am not going to put this amount in my tax return.
I have applied for a Mortgage with  XXXX   XXXX . Equifax refuses to give  XXXX   XXXX  my credit report.  XXXX   XXXX  indicates Equifax says there is a credit hold on my report. I call Equifax who indicates there are no holds and no problems. I called Equifax 's mortgage division and it indicated  XXXX   XXXX  used the wrong address and no birthday.  XXXX   XXXX  used the other address and my birth date and they were denied my credit report again indicating there is a fraud hold on my account. Equifax is holding my credit hostage and this company should not be allowed to just do as it pleases without having to answer to anyone. I have had numerous problems with Equifax and its refusal to fix improper reporting in the past, but denying a mortgage company a report is the final straw. I should n't have to hire an attorney to sue them to do what they are supposed to do. These companies need better regulation and consequences for their actions.
Ocwen is claiming my property tax is {$4200.00}. I asked them were they came up with that amount and all they could tell me was " a web site ''. My taxes are {$2900.00} and I provided them with the actual tax bill from my town office. They " investigated '' it and two weeks later basically said I was wrong and they were right. This has caused my yearly escrow with taxes and insurance to go from {$4200.00} to {$6100.00}. They are collecting an additional {$1800.00} a year from me without any explanation as to where it is going. 

I have tried several times to work this out with them but they wont budge. They call me and when I answer the phone no one is there. Then the next day I get a email stating they called me but I wont respond. I have called them but only have been allowed to leave messages. 

Any help would be great, I 'm a single parent and cant afford the higher monthly payment that seems to go nowhere.
I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them
I am furious. I have been dealing with this credit situation since XX/XX/XXXX. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. XXXX sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

Experian never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.