WillisBack/dataset-financial-user-claim huggingface dataset:
My issue is with the XXXX headquartered at XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX ( from her on referred to as Credit Union ). The Credit Union has continually reported negative information to the credit Bureaus regarding my account. As you can see by my attached documents and from credit report from Experian according to them, I have a negative entry, a judgement from the Credit Union. I have disputed that entry at least ( 3 ) times with Experian and each time I get the same answer, the Results, " REMAIN ''. The account has been " CHARGED OFF/NEVER LATE '' and then they conveniently find {$0.00} in my account over 7 years later! At the very least, they are in my opinion, guilty of XXXX poor bookkeeping and their accounting practices are suspect and should come under Federal Banking scrutiny. The original account opened around XX/XX/XXXX and was in good standing until sometime in the XXXX 's. I was unable to continue payments. I had tried to make arrangements but they were rejected by the Credit Union as not good enough. I had to help pay my divorced and ailing elderly parents expenses as well as my own. At any rate, the account was eventually charged off during the XXXX 's. If you check, you will see the Credit Union does not list an exact date for the start of this delinquency on purpose. The beginning date of delinquency can not be found, anywhere that I can find. However and at any rate, the seven years for which an account by law must be removed from a person 's credit report has long since passed, twice. What is happening to my credit report and to me personally is only as a punishment. It has interfered with my obtaining credit for those companies using Experian as a verification agency and it has kept me from certain benefits from other companies that I already have accounts with ( i.e. ; insurance cost, purchases etc. ). The Credit Union continually updates my account to look as though my account has been up to date, active and in good standing each month of each year. This makes the account appear to be active on my credit report. I have not/could not use this account since it was written off in the XXXX 's. I have no contact with the Credit Union nor have I used these accounts since being written off in the XXXX 's. The only activity on this account is the Credit Union making it appear to be active. Evidently, they are falsifying entries so it appears that I am doing something with or to the account, which I am not. On my Experian report it states that ( STATUS-as of XX/XX/XXXX account chargedoff/Neverlater {$8600.00} Written off. Then it states- {$9200.00} past due as of XX/XX/XXXX. This account is scheduled to continue on record until XX/XX/XXXX )! Also, please note that since I filed a complaint the Credit Union has now filed a Judgement in the courts ( with no date ) as additional punishment further damaging my reputation and credit standing.
To Who m It May Conce rn, I am filing this complaint because of unfair consumer rights. I have been disputing the amount of my  XXXX  bill final amount due every since I completed my 2 year contract. I no longer wanted to use their service and sent them all of there equipment. This amount of {$120.00} has been in collections fo r 2 1/2 ye ars. I contacted AFNI Collections to settle the account because they sent me an offer that if I paid {$62.00}, which is half of the claimed {$120.00}, that  XXXX   XXXX  said that I owed. So, I agreed to pay the {$62.00}  ( C heck  XXXX  dated  XXXX   XXXX ,   XXXX   ). Now that I have contacted both  XXXX   XXXX  and AFNI Collections to have this moved off my credit report and to have it reflected as paid, both companies are giving me the run around on who owns the account and who should have received the payment. But, I was told by the collections com pany AFNI to send   payment to  XXXX  because they could not receive money directly, but they could make the agreement to make a settlement offer because they worked for  XXXX   XXXX . I have paid the agreement that the company that was listed on my credit report had offered to settle this. I need to get this resolved. As you can see on the check that I paid, it lists both companies on the check. Now  XXXX  has another collections company trying to collect another {$62.00}.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AR  XXXX   XXXX  XXXX  XXXX   (   XXXX  )  XXXX
I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in the original dispute showing that my bankruptcy was discharged in XXXX XXXX and that I in fact only have XXXX bankruptcy. I attached a copy of my discharged bankruptcy. I also, faxed Equifax copies of my ID, social security card, paycheck stub, and current utility bill on XXXX/XXXX/XXXX.
On XX/XX/XXXX, I disputed information on my credit report with Experian. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, Experian is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with XXXX XXXX XXXX, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. Experian violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. Experian recently verified this account as being accurate. But how is that? I recently wrote XXXX last month and I have not heard from them ( 30 days ) 2 ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XX/XX/XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XX/XX/XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, Experian has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.
i was out in XXXX my card was used fraud, the cc company rebilled everything and said my claim was denied. There was merchandise that was delivered to largo fl i never lived there and its proof these are fraud the investigator failed to investigaor and violated my rights under the FCBA
CoPayments to   XXXX   XXXX   XXXX   XXXX  ,  XXXX , nj were paid through credit card during every visit and rest of the payments were paid by my insurance company. Before taking advantage of their service it was agreed that I need to take care of only copayment as they checked all details with my insurance company.     Now I have received {$170.00} from transworld systems Inc  XXXX   XXXX   XXXX ,   XXXX   XXXX  , pa  XXXX
I am a victim of identity theft. Accounts and inquires are fraudulent and I have asked them to remove from my credit report numerous times. I have provided documentation and yet they still refuse to remove. Ssn XXXX
We are in the process of refinancing our mortgage. In XXXX. Select Portfolio Servicing, Inc. ( SPS ) reported to XXXX XXXX that our XXXX house payment was late. Under XXXX XXXX rules you can not refinance if a late payment has occurred over the length of loan. We have never been late. When this refi process was started in early XXXX 2016 the company we are dealing with had to run an initial report and everything was perfect. We found out after many phone calls and being switched to all sorts of people that Select Portfolio Servicing held our XXXX payment due to a " Recast '' they were not authorized to do on our loan. I always make my payments online and have a " Payment Receipt '' showing I made the XXXX payment on XXXX/XXXX/2016, it cleared my bank account on XXXX/XXXX/2016. It took me a month to get SPS to terminate the " Recast '' and get my payment was then posted. But by that time it was reported to XXXX XXXX that we were late for XXXX. They had our money and held it with no explanation to us. Once we were told the payment had been posted our loan processor called for final payoff amount and we were ready to close. Their underwriter then was told by XXXX XXXX about the late payment reporting. 
So we are at the point now where we are trying to get SPS to contact XXXX XXXX to correct the error so we can close. I keep being told that messages as have been left with XXXX XXXX. I get switched around from Supervisor to Supervisor and as of today 's date their error to XXXX XXXX has not been corrected. We are in great danger of losing this refinance. I ca n't get anyone at SPS to help us. I have spent numerous hours on the phone with them My loan officer and I were on a conference call for an hour and a half, while I was at work, on XXXX XXXX supposedly with a manager who was taking care of it with their legal dept. Todate neither of us have been able to make contact with that person. Can anyone help us get SPS to correct their error so we do n't lose our refinance.
I have two complaints. 
1. ) XX/XX/XXXX we were contacted by Navient about consolidating our loans. We were told at that time that they would use the lowest interest rate of the loans which was around 5.3 %. When the paperwork was complete they used the highest interest rate which was 7.75 %. When I called to complain they said " I 'm sorry that the person told you that but this is what it is and nothing can be done '' :!! 
2. ) XX/XX/XXXX our checking account was compromised and we had to open a new one. I went online to Navient 3 weeks prior to the payment being due to change the bank account information. I noticed the payment did not come out on the first and called to inquire about it. The operator said that I must have changed the account too late in the month and the payment wont come out. I told him that I changed it 3 weeks prior to the payment date and he said he did n't know what happened but I could skip that month if I wanted to. I said I did NOT want to skip a payment. He said that he would put into the account to pay. He then turned around and skipped that months payment so for the next 5 months we paid nothing but interest on the loan with no principal. Our payments then went up by {$23.00} each month because we " skipped '' a payment!
I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.
I ordered a combo internet/sattellite dish cable package from XXXX. XXXX said that XXXX needed to come install a line for the internet before they could do their install. XXXX came out 1 day, and less than a day later XXXX came out. They told me that they could not install a dish on my property because they could not find a place that had a satellite signal. They cancelled my service ( no problems with them so far ). I immediately contacted XXXX ( while the dish person was still at my house ). I wanted to make sure I got my small deposit back ( I did ). I returned the equipment that had been left at my house ( I originally thought this was the source of the bill, but it was n't ) What I did not anticipate was a bill about a month later. I was n't even sure what it was for & XXXX could n't even tell me what it was for for about 3 or 4 months. I have XXXX bill that says it was for the service. I attached this. I was told not to pay by a representative, so that we could get it straightened out. I was reported to a collections agency. Then I was told that it was for the installation of the line ( that is n't what the bill says - it indicates a months worth of service and state tax, but the collection agency record says XXXX XXXX XXXX wireline ). Finally I was able, 6 months after the fact, to get a supervisor at XXXX XXXX XXXX to tell me my bill was XXXX & that I do n't have an account anymore and do n't owe them anything. She assured me that it would be reported to the collection agency. It was n't. I am still being hounded. XXXX XXXX XXXX has refused to provided me written proof that I do n't owe them any money ( something I can send to the collector and the credit bureaus that probably have this record ). I have asked them to mail me something, fax me something, but I am always given a runaround ... for instance : this has to go to another department first, and other nonsense. The company is so large and so disorganized, I do n't know where to go to get a resolution. I have lost days of time ( phone calls up to 5 hours long where I 'm passed around, hung up on, etc. ) I have great mental anguish. I refuse to pay the {$200.00} that I do n't owe just to get them to leave me alone. I would feel like a loser. The calls wake me up every day ( I work night shift ). I had gone 6 months without hearing anything, and thought XXXX XXXX XXXX had finally done what they promised, but I started receiving the calls again & received a bill in the mail ( again ) after 6 months of silence.
my sister bought a cashier check to pay me for a car I was selling my nephew. she obtained it from 5th 3rd at XXXX branch in XXXX.ky. they issued her a check on white plain paper. I took check to my bank and they refused to cash because the check was not on proper blue check paper. I then took to 5th 3rd XXXX branch and they also refused to cash. my sister called XXXX branch next day and was told they were out of blue paper but it was ok and to have XXXX branch called them when I went back to bank. id, we did, was told they were out of blue check paper for 3 days but all info was on the white paper-which was still uncashable. the XXXX branch manager was very helpful and I was issued a new check the next week.
I 've done the dispute process for the fraud transactions that occurred on my card statement. However, the credits I got for those fraud transactions were reversed & my credit card was charged for all the fraudulent transactions. I was told that they have found some information regarding the transactions, however they were done oversea while my card was not in my possession. I would like some serious attention given to this case as well as a appeal to the dispute claim.
XXXX XXXX XXXX reporting on Equifax and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.
I had an auto payment plan set up for my lease payment though GM financial. They reported I never paid my lease payment for XX/XX/2018. I have since confirmed on XX/XX/18 that XXXX dollars was withdrawn from my checking account for the lease payment. I open a complaint with GM in regards to the matter and they said they would dispute the late payment. The late payment still reflects on my credit.
I applied for a Lowe 's Credit Card to use for a few home remodeling projects. I made my payments, always on time, and I opened an online account to monitor my account balance, purchases and payments. Just recently, I noticed that my payments were either being applied late or were not be applied at all. And this was after I had made payments at the place of purchase using a debit card. Because of these concerns, I cancelled my XXXX 's card. I can still access my XXXX 's account online, which has a link to the Synchrony Bank, where I believe the problem exists. I honestly believe that Synchrony Bank may be purposely trying to deceive customers by not being more transparent. My Synchrony account online, does not reflect a complete ledger of payments, purchases and balances on the same page. As a customer, I have to manipulate through several pages online in order to figure out which payments have been received, what purchases have been made, and what the current overall balance is on my account. Synchrony too, is deliberately waiting several days before applying my payments to my account and in doing so increases the amount of interest payments I am forced to make. Over the past two months I have made three separate payments to my account, but as of today, only one payment is reflected in my account balance. When I called Synchrony Bank recently to complain about their online ledger format, the operator told me that there was nothing she could do. Please understand that Synchrony Bank, which provides credit card services to XXXX, is not being transparent to XXXX customers and may be purposely deceptive in their business practices. I feel quite certain that all of my payments are not being applied by Synchrony Bank to my XXXX account and that Synchrony Bank is deliberately hiding all of my transaction history, based on their online ledger format which actively hides or confuses purchases, payments and account balances, which are deliberately kept on separate online pages and makes no sense to customers who are actively trying to monitor our accounts. It is bad enough that Synchrony Bank charges predatory interest rates, but their way of doing business is horrible, if not inherently dishonest. I have other online banking accounts, and their formats are easy to understand, where I have all the information I need, on XXXX page, to monitor my account, but Synchrony Bank is the only banking organization that is actively concealing account information and thus deceiving customers. 

Respectfully, XXXX XXXX XXXX XXXX, Missouri
The mortgage company is shellpoint financial { using a different name.
first of all they are incorrectly reporting my modification on my credit report it is suppose to start over but it did not. I received a modification for a high amount than the original loan and they are still putting payments toward 2014. I fell behind again in payment since XX/XX/XXXX which was my last payment and wanted to pay twice a month but the company will not allow it. my next option is to file bankrupsy. The original loan modification has additional hidden fees that should not be there and you can not reach anyone In the customer service or the whatever team.
Violation of the US Constitution 's Fifth and Fourteenth Amendment : I was not aware of any legal action against me from Capital One Bank prior to a shortage in pay on XX/XX/2019. After noticing my paycheck was minus several hundred dollars, I contacted my employer 's Human Resources Representative to see if they forgot to include my overtime pay. The Representative contacted payroll and then informed me of a GARNISHMENT they had received. I asked for an email copy of all records they had regarding this matter, went online to AZ Public Court Records, and then contacted the Superior/XXXX Justice Court to inquiry how this was possible. On XX/XX/2019, I called the Clerk of Courts and told them I had never been notified ( Served ) a summons, and wasn't aware of any legal action pending against me. The Clerk told me the Process Server 's ( XXXX XXXX ) told the court that I wouldn't open the door for him when he knocked, so Judge XXXX XXXX amended the the summons to where the process server could simply leave it on the door. I work nights and try to sleep during the day time with as much white-noise as possible. I do not get out of bed every time someone knocks on my door as this would be equivalent to someone working day shift being disturbed in the middle of the night ; from it being solicitors selling windshield replacements, newspapers, tamales, etc. The Clerk went on to say that she spoke with me directly about the pending court hearing and that I told her I needed to get back with her after checking some information. This NEVER happened! I go to the court once a month to pay a fine to the Clerk of XXXX Magistrate Court, a different Clerk in the same office. She went on to say that Judge XXXX XXXX then entered a Default Judgement against me because I never got back into contact with the Clerk after this bogus discussion. ARIZONA CASE NUMBER : XXXX
My bank BBT cancelled a credit card that I had not used in many years. I had no problem with this, as I had several cards and only used one of them. I use my remaining card almost daily so I can earn rewards points. At present, I have XXXX points accumulated. I was saving those for extra money for a trip I am leaving on in a few weeks. I went to redeem those points and got an error that I no longer had access to that account. I assumed it was an error and called the number given, should I think that the message was in error. I was told that because the credit card I no longer used was cancelled, my points were forfeited. I have always used my main credit card to redeem points in the past, but now the bank says those points are no longer valid. I had to spend nearly {$25000.00} to accumulate those points. I want the money, that I was counting on, by using that card. I never once used the old credit card to redeem my points. I don't understand how they can take them away. I would like to file a formal complaint for this.
Navient solutions Reported on My XXXX Credit file that This one Account is Closed With Multiple Late Payments.
They pick up A New Loan in XX/XX/XXXX Which aim current With. They Late Pays On This Closed Account in 2014 should be removed.
I do not have an account with diversified consultants I am not liable for this debt with XXXX I am not responsible for the debt