WillisBack/dataset-financial-user-claim huggingface dataset:
I bought furniture at XXXX XXXX XXXX on a 0 % loan that they offered me. Approximately {$1200.00} of furniture. I made timely payments. XXXX must affiliate with Wells Fargo, because my statements come with Wells on it. My statement I just received has a " previous balance of {$810.00} '' and charges me {$360.00} of interest. Now my balance is {$1100.00} at 27.99 % interest. I called Wells and spoke to a supervisor. The supervisor made a concession of a 25 % discount. I paid what she requested in entirety just now in order to get this 25 % discount via my bank routing number ( I paid her {$1000.00} ). The supervisor tells me that had I paid the {$810.00} just 7 days ago ( by XXXX XXXX ) that I would have saved the interest charge. This seems shady to me that my statement has never clarified when the 0 % was ending, what the interest rate would be raised to. Also, I question why the interest charge is XXXX instead of XXXX ( which is 27.99 % of XXXX ). I am frustrated and feel as though I have been " had ''. I qualified for the 0 % due to my good credit rating. I have never bought furniture on credit in my life. I am middle aged and this was a gift for my adult daughter. I feel as though the affiliation between XXXX and Wells is questionable as well. I remember that I " qualified for a ' {$9100.00} ' credit limit '' and then the " account '' was immediately closed ... not that I was going to buy more furniture. So it is just very strange. Can you help me in any way? I want to complain to Wells Fargo and to XXXX in regard to this shady practice in hopes that it will not happen to others. A side note : the supervisor at XXXX made me pay this amount ( the XXXX ... today, right now ... or else I would not " qualify '' for the 25 % discount ). Not fair when this payment is not even due until XXXX/XXXX/16. Thank you for your help.
I have advised XXXX XXXX with Specified Credit to cease and desist. However, she continues to call me and leave voice messages. I do not have an account with Specified Credit. I have never done business with specified credit. Therefore, they have no right to have my personal identity information. On the last call I accepted from XXXX XXXX, she was so aggressive and rude that she quickly began discussing the account she was calling about without even stating the collection mini miranda. When I advised XXXX XXXX to stop contacting me, she told me she would call me whenever she wants to. I have never done business with Specified Credit. I have never authorized any business with their company. This company does not possess the right or legal authority to contact me or remain in possession of my personal information. I am requesting that this company not be allowed to sell my personal information to disguise their violations. XXXX XXXX has also contacted friends and relatives of mine, who told her to stop calling their phone as welI, and she advised them also that she will not. She has continued to contact them ... .I DO NOT WANT SPECIFIED CREDIT, XXXX XXXX CONTACTING ME. ONCE AGAIN, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. Very, very, rude representative who has no clue of the FDCPA laws.
I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
I opened a {$40000.00} home equity line of credit with PNC Bank secured by my {$150000.00} home XX/XX/2014 with the agreement I would pay XXXX interest on any money borrowed as well as a {$50.00} annual fee. In one XXXX-month period ( XXXX - XXXX ) I paid three XXXX 3 XXXX {$50.00} " annual '' fees as well as two {$30.00} non-sufficient funds ( NSF ) charges that are not applicable to an account of this type. All but one of the {$50.00} annual fees are improper and should not be applied to my account. It is possible I have paid other fees, but the bank has refused to provide me access to my prior account history online. Two of the {$50.00} annual fees are improper because, obviously, I have only agreed to one {$50.00} annual fee per XXXX-month period. The NSF charges are improper because I have monthly payments automatically deducted from a PNC checking account, and the history shows no attempted withdrawals from that account during times of insufficient funds. XXXX One PNC customer service rep told me the NSF charges were prompted by an attempted withdrawal by PNC from an account that was different that the one I had set up for automatic payments and belonged to someone else. ) I have attached a screenshot of my account that shows the improper " annual '' fee and NSF charges. The bank has refused, despite several phone calls and more than XXXX hours of my time, to refund the improper charges.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, ( Original Creditor : ) XXXX,
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to Transunion advising of my dispute and requested validation of a closed XXXX collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). Transunion simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against Transunion for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from XXXX, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted XXXX on XX/XX/XXXX and verbally verified they had in fact received my dispute. If Transunion is truthful in that they were in fact sending the disputes to XXXX since XX/XX/XXXX, XXXX is in violation of the FCRA. If XXXX ONLY received the request for validation after my CFPB complaint, Transunion has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
I received my Bank of America Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account.
Mortgage service company Ocwen is still reporting to credit bureau three years later after I filed for bankruptcy on the property, I filed for bankruptcy 6 years ago and the mortgage was included and foreclosed. I am currently discharged and relieved of any liability for the debt. They are reporting 14 times 90 day late on my credit report for the mortgage and making it real hard for me to recover after bankruptcy and foreclosure more than 6 years ago. I 've contacted Ocwen on numorous occasions but to no avail. I think the mark on my credit should be reported correctly if not than fully removed.
As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. I noticed that on my payment activity there was an account listed as First Associates, student loans and that I was past due over 180 days and that I owed over {$3700.00}. I contacted the company and they advised me this was a student loan from XX/XX/XXXX and that the original loan was in the amount of {$1500.00}. I asked what the additional amount was and I was told late fees and interest. I explained to them that I was not aware of this loan and that I never took an online certificate class. They advised me that this loan was correct and that it needed to be taken care of. Because I am trying to purchase a home, I asked if they could give me a settlement, even take off the late charges and interest and that I would be willing to pay the {$1500.00}, they advised me no and that the interest and late charges would continue to accrue. I asked them if I could make payment arrangements so that the fees could stop and so that I can pay it off and they advised that I can make payments, however, the fees will not stop and that they will continue to add up. I have paid {$700.00} since my conversation with them 1 month ago which should put my account at {$3000.00} instead, my account is listed at {$3100.00} and on my credit report it is still showing 34 missed payments and it is not reflecting that the balance is decreasing.
On XX/XX/2018, I received a notification that a hard inquiry had been added to my Equifax credit report. Upon checking the origin of the inquiry, it was noted that XXXX XXXX ( Telephone Companies ) was the creditor making such inquiry. I not authorize an inquiry to my credit report, I have not in the past or in the present, had any association of services with XXXX, nor have I made any inqiuiries for their services, been contacted by any representative of XXXX or received any solicitations for their services. I immediately filed an on-line dispute with Equifax and received an error message to contact them regarding the results of their investigation. Equifax did place a fraud alert on my report that is to flow across to the other credit reporting agencies, but noted I would need to contact XXXX to have the inquiry removed from my report since only the creditor could authorize it's removal.. 

I've spent the better part of 3 days making numerous phone calls to XXXX in an attempt to speak with someon who could direct or assist. me to the proper deopartment and authorize removal of this inquiry. Dozens of calls to several of XXXX ' published customer assistance phone numbers continually placed me in an electronic holding pattern, one time for ( 3 ) hours with a recording that all representatives were currently busy assisting other customers. Of the dozens of calls made, only twice did I finally get a live person ( one in the credit department and another in wireless services department ) neither of whom could assist me because it wasn't within the scope of their departments ability. Both suggested I contact the credit reporting agency and dispute the issue with them and request the inquiry be removed. Both provided a phone number to the Wireless Services Fraud Department that again, kept placing me on hold without answer. 

I've been repeatedly attempting to contact the XXXX XXXX Fraud department ( as directed ) at the phone number provided by the Customer Service Representatives only to go on hold for extensively long periods oftime. To this date, I still haven't spoken with anyone that can actually assist to correct this issue. 

As a consumer, I'm deeply concerned about the ease of which this fraudulent and unauthorized inquiry could be made to my credit report and correspondingly personal and private information. This is the second unauthorized, unsolicited inquiry made within two years. The same lack of assistance and remediation existed in that incident too. I'm concerned about the lack of responsibility and assistance I've been experiencing to remedy this matter, remove the hard inquiry from my report and prevent further potential issues against my reportable credit status.
I recently received a collections notice from a law firm XXXX, XXXX XXXX XXXX XXXX, XXXX. regarding a private student loan that was taken out back in XX/XX/XXXX. When i became unemployed in XX/XX/XXXX I was not offered any option for a lower payment nor did i receive prior notice that it needed to go into forbearance in order to defer the payments.Today this loan shows as a derogatory on my credit and is keeping me from obtaining the American Dream to purchase a home. Amount owing is {$11000.00} and now faced with a lump settlement in order to clear it off my credit. The loan is 15 yrs. old and I no longer have record of this loan and or have lost my own records. When the loan was taken out originally with XXXX XXXX, my husband XXXX XXXX co-signed for the loan, The current Attorney 's office states their is no co-signor on the loan when originally there was in order to collect payment. I recently contacted Navient to request a payment history made towards the loan and immediately transferred me to the named above attorney 's office where i spoke with two individuals who gave me two separate lump sum offers that would only be good through XX/XX/XXXX. the offers were as follows ; $ XXXX and then {$3300.00}. I told them i needed to get the payment history in order to verify if the loan was mine and the amount owing is correct, they said they would request it but could take up to 7-30 days which then the lump sum offer would no longer be valid, which i feel is ridiculous considering it needs to verified that I even owe this amount before charming me or offering me a lump sum settlement. I honestly hope you can offer assistance regarding this matter.
I was in the middle of a loan modification with Wells Fargo Mortgage and aftersubmitting the same documents over and over they dropped the loan modificationand set a foreclosure of the property. I got a copy of a appraisal of my property, without being told it was being done, along with a letter saying the loan modificationdocuments will be sent separately. The next notification was from their foreclosureattorney with a sale date of XXXX/XXXX/2015. I called the representative and she calledback 2 days later saying submit the same documents again. I sent them on XXXX someone from the re entry team called verifying my details. I called the nextday only to hear I am within the 7 day period of the sale date and they wouldn'thelp. I had got a letter from them a month ago saying I was approved for a shortsale that they claim I requested it. I called the lady whos name was on the letterand she said it went out without her knowledge. I was luckily enough to get themoney together to hire an attorney. I got a letter today XXXX/XXXX/2015, dated XXXX the sale date is XXXX/XXXX/2015, which is the first time I received a writtennotification of a change in my loan status. Please advise me of my options as therehas to be multiple violations. I originally had to get the XXXX department involvedto stop the same situation in XXXX 2015.
I returned my car on XX/XX/2016 to a Nissan dealership. The early lease termination written quote was for {$1400.00}. I was also informed by their representative that I have a 10 day grace period. Given that I was unable to find a dealership that would take my car before the XX/XX/2016 I was forced to keep it for another 2 days. Up on my return I was informed that it would take about 3 days for the return to register in their system. On XXXX/XXXX/2016 I mailed them a check in the requested amount of {$1400.00}. Based on the document that Nissan provided me, that amount satisfies my obligation to them. XX/XX/XXXX I received a call from Nissan. They stated that I owe them an additional {$350.00} for XX/XX/XXXX, even though they also received a payment of {$360.00} that covers my possession of the vehicle till XX/XX/XXXX and I no longer had possession of the car after XX/XX/XXXX. Since my maturity date was on the XXXX of every month and I was forced to keep the car longer, I do n't feel that I should pay the sum of {$350.00} or any other fees for XX/XX/XXXX. Given that my lease payment is {$360.00} a month, the sum of {$350.00} makes no sense to me. After numerous attempts of speaking with Nissan no one was able to explain to me what the {$350.00} is for.
My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.
On XXXX XXXX, 2015 at around XXXX, I visited the branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to purchase euros. I used a credit card after being assured XXXX by the teller that it would process as a charge and not a cash advance. I told him that I would pay cash if it processed as a cash advance because I did n't want to pay the cash advance fees. I looked at my account online a few days later and discovered it had been processed as a cash advance. I was finally able to speak with the branch manager, XXXX XXXX. She took my information and told me she would get back to me. She called two days later and left a voice mail to call her with no further information. I have since left a voice mail XXXX on her direct number XXXX, but have not had the courtesy of a return call.
I filed a chapter XXXX bankruptcy XX/XX/XXXX, see documents attached ( It 's been more than 10 years ). I filed a Chapter XXXX, discharged XX/XX/XXXX, see documents attached ( t 's been more than 8 years ). Equifax refused to remove it after I called them regarding a removal request. Experian has not remove them either. XXXX complied and removed both records from my credit report. See FICO credit report attached. I am XXXX and a XXXX retiree and my only hope is your assistance regarding this matter as this information affects my credit greatly. I am so grateful for your service! Thanks o much : )
My husband and I recently divorced. Our mortgage loan was XXXX of our names. I was awarded our home in the divorce settlement. I have been trying to refinance the mortgage in my name only with my local credit union. Our current mortgage is with Sovereign Bank/Santander. Ever since Sovereign Bank bought our Mortgage from another company, we have been having problems with them. I took over our mortgage payments in XXXX of XXXX. My ex-husband had been paying them previous to that. My ex-husband 's last payment was made on XXXX XXXX, XXXX. He was up to date on all payments and had not missed a payment up until that time. He did not give me the financial information to start making the payments myself until the middle of XXXX of XXXX. To make up for the payment due in XXXX, I made XXXX payments to Sovereign Bank to make up for it, XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX. From that point on, I have made every payment on time and in full. However, Sovereign Bank keeps charging me a late payment fee of {$28.00} each month because they claim that I am missing a payment somewhere, but can not show when the missing payment was. I have a printed copy from them showing each payment from XXXX XXXX, XXXX through XXXX XXXX, XXXX and a copy of my ex-husband 's and my own bank records showing our payments and neither show any missed payments. They also show a fee called " Conversion Unknown '' with a code of XXXX for {$740.00} on XXXX XXXX, XXXX. I have no idea what that is. I also get a fee with the code of XXXX or " Unapplied Funds '' that they have n't explained and another code of XXXX that is n't explained on their list of " Transaction Codes ''. I have tried to access their online mortgage services that I have previously used to contact them and for the last four months the site says that they are experiences technical difficulties and ca n't respond. I have had
sent a letter trying to collect with no license to collect in Texas which is illegal neither of the 2 creditors have the license
We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue.