WillisBack/dataset-financial-user-claim huggingface dataset:
For several days this week (XXXX XXXX, 2018), I've been trying to lift a freeze I placed on my credit with Transunion last year during the XXXX security breach. Trying to speak to a live person resulted in five dropped calls (on overseas lines). I have forgotten my pin and Transunion provides no on-line avenue for retrieving a lost pin. What they do is ask for a letter including all types of personal information that include a current address, However, the reason I need my credit freeze lifted is that I've relocated and am unable to get a car insurance quote because of the freeze, so I can get the insurance I need to get a new license and registration in the state to which I've moved, which will evidence my current address. I finally spoke to an overseas rep who said the company was snail mailing my pin to me. I have no way of knowing if this is true. I was able to ascertain from an XXXX  rep that they had placed no security freeze on my credit, and XXXX provided me with a way to retrieve my pin and lift my freeze with them. There's absolutely no reason why I shouldn't be able to retrieve a forgotten pin on line with all of the private personal information this company requires just to speak with you. What I initiated as a way to protect myself is now impeding my ability to establish myself personally and professionally in another part of the country. Bottom Line: Individuals should be able to retrieve their own PINs and lift a security freeze without the communication contortion I have experiences.
I was a customer in  XXXX   XXXX  and during that time, I have enjoyed my experience with you greatly ; however, the account is closed and paid in full. It has been over 7 years since the account was open. According to the Fair Credit Reporting Act after 7 years from the first date of delinquencie s (   XXXX  ) this item must be removed and not reported on my credit report. Negative information that is more  than 7 years old  ( 10 years for ban kruptcies ) must be removed from your file. Therefore, I am asking for you to remove this items as a ASAP my cr edit report.
The issue is that the my account online did not show/reflect one of the bill payments and so I thought I still had time to deposit money into the account via atm. ATM deposits are instant so I presumed that if I deposited before the charge hit, I would not be charged an overdraft fee. I presumed wrong. The bank conveniently later in the late night/morning made it so that the bill payment would show up before the ATM deposit so they could charge me a {$34.00} overdraft fee.
I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.
Our complaint is directed to the possible discriminatory review and decision practices of Wells Fargo. My son originally applied for a loan with Wells a year ago whom he 's had his bank account with for XXXX4 years now & he needed a creditworthy cosigner at which time I applied. We were turned down as my score ( XXXX ) was well below their minimum. Fast forward seven months, I worked on improving my credit score by XXXX points, have had ( as always ) a good paying, stable job, ( my son works 36 hours while remaining a FT student! ) so we should be in great standing yes?! Apparently not good enough for Wells Fargo. After my son looked online and received the decline, I phoned Wells, spoke to " XXXX '' who attempted to decipher why we were declined citing 60 day late payments ( of which there are NONE! ), public records ( had a bankruptcy discharged THIRTEEN YEARS AGO! ), how my credit history was n't long enough ( have had XXXX separate car notes over a span of 12 years including XXXX current ones, mine and the XXXX cosigner for my son, & the same credit card paid on time for over 8 years ) and score?! I informed the rep at Wells how I 've worked exhaustively hard directly with the exact credit reporting agency ( XXXX ) to improve to a XXXX score, the same agency Wells reportedly uses. I also questioned the differences in the information as what was depicted in our conversation, also in the letter later to follow, of how the same agency reported my score XXXX points higher than listed ( Wells lists my score at XXXX ) ; how there are NO 60 day lates listed, etc. No answers, just a half hearted apology and try again (? ). We did and have been doing everything to put us in creditworthy status. We both my son & I literally kill ourselves to continuously be rejected? We 're hard working, honest, dependable American citizens living to be contributory to our society however if we were n't, if we came from foreign soil, we 'd be more able to get a loan (? )?! Why are we able to get a car loan quicker, easier than a student loan? My DTI is at 23 %, he 's working more than he 's being educated. What is considered creditworthy? We 're being isolated, discriminated based on being ethnic hard working Americans. I believe is yet another unethical, dishonest and discriminatory practice on dealt of Wells Fargo that needs to be investigated. I 'm quite sure we 're not the only ethnic Americans this has happened to.
For the second time now Equifax has had my credit report disputes under investigation for more than 30 days with no results. They have not sent the results or changed the pending status on two separate occasions. These items must be deleted per the FCRA laws, I should not be subject to an additional 30 day wait for a dispute that I have submitted legally.
I had a XXXX during football season and it was pretty bad. During my recovery process I wasnt able to receive any income and I struggled paying for anything. Due to it being my sr year that was it and I was kicked into the real world I couldnt apply for any jobs due to my constant XXXX. Im doing better now I recently spoke with the company and explained my situation I even set up payments for the next 6 months I just want the late payments removed from my report because its making it very hard for me to obtain credit
I have a account in collects stating I owe money for a hospital visit at XXXX XXXX XXXX XXXX for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions each time they were not able to find any info when i gave my name XXXX XXXX and social security however it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.
Back in when I was first looking into attending college, a Wells Fargo banker gave me the impression that I needed a private student loan in order to cover school expenses that did not directly relate to tuition, such as purchasing a laptop for school. Since that time, I 've discovered that such information was false and that one does not typically pursue private student loans unless the cost of tuition exceeds the total amount of public loans/grants that available publicly. 

The result of this misleading information was that I signed up for a pair of private student loans to fund my XXXX college education, and I 've been stuck paying over {$200.00} a month for several years since the end of my education -- well over the average amount for most college students. 

In addition to obtaining this misinformation relating to college funding, I 've been denied student loan consolidation through Wells Fargo, even after having been pre-qualified for it. Wells Fargo initially miscalculated my income as having been bi-weekly instead of weekly. I corrected this information and was still denied the loan, and I never received an explanation regarding the denial.
I was the principal co-signer for my son on an auto loan with Credit Acceptance. On  XX/XX/2018 when I contacted Credit Acceptance they stated the account was delinquent in XXXX. Why wasn't I contacted? I am the prinicipal co signer! Credit Acceptance did not advise me of delinquency on the account. As far as I knew the account was current. Credit Acceptance has a legal obligation to keep me informed especially since I was the principal signer. Credit Acceptance had offered an SFL offer of {$2400.00} valid through XX/XX/2018. We were going to honor that SFL offer and pay before XX/XX/2018. But instead of honoring their SFL offer Credit Acceptance on XX/XX/2018 illegally and unethically closed the account, sent it to collections and plummeted my credit score. I worked hard to build up my credit. In doing so I was going to purchase a car in XX/XX/2018. But since Credit Acceptances ' adverse action on my account, I won't be able to make my much-needed auto purchase. Credit Acceptance failed in their fiduciary responsibility by not keeping me advised of the accounts ' status,  closing the account and sending it to collections prior to honoring their SFL offer valid through XX/XX/2018. These corrosive actions are simialr to predatory lending practices which are illegal. I want to be made whole!
Hello, On    XXXX   XXXX   XXXX    I received a letter via  XXXX  from  XXXX  in reference to my  XXXX  Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting    XXXX   XXXX   XXXX        The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on  XXXX     XXXX   XXXX      -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted   XXXX   XXXX   XXXX   ).
My current loan servicer obtained my loan while it was in default from    XXXX   XXXX   XXXX   .   I have sent numerous RESPA letters to try to obtain my entire loan history. However,  XXXX  can only provide their servicing documents and escrow account documents. The monthly loan records from    XXXX   XXXX   XXXX    and the original servicer   XXXX   have not been produced.  XXXX  offered me a Trial Modification and the letter states that " Funds  may  be held in a non-interest bearing account until they total an amount that is enough to pay the oldest delinquent monthly payment.   XXXX   can not provide a schedule showing the monthly amounts due to effectively apply the Trial Modification Payments.  <P/> In addition, their foreclosing law firm,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . did not send a Notice of  Default  and 30 Day Right to Cure letter. Copies of the attached letters have been sent to the foeclosing law firm requesting a loan history and they as the debt collector can not provide such information either. Why is the loan history since inception of the loan missing?
Us Bank took a {$100.00} out of my checking account for XXXX that I did not authorize, I talked to net credit and told them that I could pay {$100.00} monthly. I was ask how I wanted to pay and I said I will called it in and pay by phone, I then paid for XXXX 2016. Now when the month of XXXX came, XXXX took {$100.00} out of my account without my permission I did n't authorize an ACH or call in for XXXX to debt my account. US Bank refunded my {$100.00}, to later take the {$100.00} back, US Bank fraud department told me that XXXX has that right since I owe them, but they do n't have the right to go into my account without my approval, they have the right to their money but they must go, I repeat they must go though the proper procedure by law and be approved ( I believe ). By the way I found out that XXXX XXXX had a Charge Off against me, I don '' t think you can charge off and collect to. They are taking my Federal benefits without approval, these tactic needs to stop. I realize {$100.00} is n't much, but it 's the little foxes that spoil the vine. The person I spoke to in US Bank fraud was name XXXX, in the complaint department is XXXX, XXXX. I thank you for the help!
In XX/XX/2018, my {$650.00} student loan payment was spread across the seven loans I hold with Navient in the following way : XXXX Direct Loan {$41.00} XXXX Direct Loan {$45.00} XXXX Direct Loan {$46.00} XXXX Direct Loan {$55.00} XXXX Direct Loan {$59.00} XXXX Direct Loan {$150.00} XXXX Direct Loan {$250.00} During the months of XXXX  and XXXX, my payment was distributed in this way : XXXX   Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX   Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$650.00} As of XX/XX/2018 I had accrued {$460.00} of unpaid interest. As per federal law, loan servicer companies are required to apply all payments in the following manner : first to outstanding fees, second to accrued interest, and finally to the principal balance. For the past two months Navient has been negligent in following this federal requirement. At no time did I request a change be made to how my payments are applied. It should be noted, though, that in XX/XX/XXXX I did do research about how to apply for income based repayment schedules with Navient 's loan repayment too. I am not sure that these are related, but wanted to disclose this activity in the event that it was misconstrued as a desire to change my payment allocations. I emailed the company about this situation and did a follow up phone call when my email was not answered correctly. When I called, the person on the phone told me initially that the payments had been disbursed appropriately. When I told her that this was not reflected on my end, she looked again and let me know that I was correct. She said that the reason these payments had gone solely towards loan 11 because I was ahead of schedule on payment and that the payments for XX/XX/XXXX and XX/XX/XXXX were over payments and that was why they were disbursed as such. I asked her why the payment application had changed and she could not give me a definitive answer on how the payment allocations had changed or why they had changed. She was able to change the allocations back to how they were before and gave me a date as to when my past payments would be reapplied properly ( XX/XX/2018 ). As I continued to ask about why the allocations were changed, I was disconnected from the person from Navient and my call was forwarded to a survey about my experience.I 'm not sure if this was accidental or on purpose. XX/XX/XXXX has come and gone and these payments have not been reapplied, and the record of those payment allocations have disappeared from my online account. I received only a message from Navient confirming the amount of money I still owe them.
Midland Credit Management has incorrect information on my XXXX, XXXX  and XXXX credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.
On several occasions, Wakefield and Associates has called multiple times, even on the weekend and tried to collect on two different debts that are 9-10 years old ... well beyond the state of Tennessee statute of limitations. They are most likely trying to get the debt brought back from the dead so they can collect. I have tried to stall them off by telling them that I need to verify that this is even my debt because nothing else has worked to get them to stop calling me repeatedly all week long.
I originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. 
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. 
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this. 
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.
I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX  XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both Experian and XXXX, demanding they do their job and investigate this false reporting, however, XXXX XXXX  XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.
I contacted Trans Union to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Trans Union the court documentation showing that it is no longer active and was filed erroneously but Trans Union has yet to block this information from my credit report.
Since XXXX XXXX, 2015 I have been receiving periodically telephone calls from Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX VA XXXX. On XXXX XXXX, 2015 at XXXX/PST I received the second phone call and spoke to XXXX in the Disputes Dept. She stated the person responsible for the credit card debt of {$500.00} lives in Florida, with caution I provided her with my last XXXX numbers of my Social Security Number. It did NOT match the credit card holder for this debt. She suggested I send them a disputes form online. I did not do so due to the personal information they were requesting. They obviously do not believe that I am not the person responsible for this debt. My name is a common name, they need to move on and stop harassing me with false accusations. Their standard telephone tactic is they will not identify themselves UNLESS the person answers confirms who they are. They also WILL NOT reveal information of the person responsible for the debt. Yet they INSIST on your information. How can you intelligently confirm you are not responsible for the debt if they do not cooperate. These calls have gone long enough and has violated my privacy rights as well as to continually harass me with false accusations. They have clearly violated the " Fair Debt Collections Practice Act ''. I want an end to these harassing calls and request your agency audit their business practices.
XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XXXX XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XXXX XXXX approximately the XXXX of the month they also accepted my payment of {$27.00} in XXXX XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX XXXX XXXX account. I then on XXXX XXXX XXXX through their automated system paid my remaining balance to zero with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XXXX XXXX XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XXXX XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XXXX XXXX XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me
To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting. 


XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.
XXXX from Genesis Credit Management has contacted multiple non-immediate family members and informed them of a debt. XXXX also left the debt information on a voice mail.