WillisBack/dataset-financial-user-claim huggingface dataset:
Suntrust Mortgage claims my escrow account is too low due to an increase in both my property taxes, and home owners insurance. They are asking for more money each month. 
I investigated their claims, and they are false. I believe Suntrust Mortgage is practicing fraudulent and unfair business relations. An Internet search revealed similar claims to mine.
The account was paid in full and agreed to be removed from my credit history. However the account still remains on XXXX and XXXX. Please remove. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$76.00} Original Creditor : XXXX ( Medical/Health Care ) Pay Status : & gt ; Account Paid in Full ; was a Collection & lt ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX
There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with Equifax, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.
In XX/XX/2018, I opened an account with MB Financial. At the time, MB was offering a {$250.00} bonus that would be available after 90 days. At this point, the 90 days has surpassed and the funds have not been dispersed. When speaking with one of the relationship bankers, I was informed last month that I was on an approved list. However, the approval amount was only for {$150.00} which is not what I was originally told. After several visits to the bank branch it was explained to me that someone would look into this and then follow up with a phone call. I have yet to receive a call from the bank branch regarding this situation.
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
I have tried to freeze my credit report with TransUnion on 5 separate times - each time I get an error message that their web site is experiencing difficulties and I need to check back again another time to place freeze on account. Each time I attempt to CALL TransUnion their phone system is so bad I get disconnected ( 5 times!! ) What steps can I take to FREEZE MY CREDIT REPORT with TransUnion?? 

I have had NO PROBLEMS doing this with XXXX or XXXX - ONLY TransUnion - what a nightmare!! 

They collect more information from you and then claim website not working - is their company even TRYING to help consumers? Is their website HACKED TOO? 

Why can I NOT access ANYONE at TransUnion to get a CREDIT FREEZE????
I tried to dispute information with XXXX/XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.
While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on Experian credit report. I have never been employed by these companies. I am requesting that Experian immediately remove the unknown names of Employers listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Good morning my name is XXXX XXXX, I'm writing to report three different collections agencies. I ask them to please validate the debt on XX/XX/2018 and I haven't received anything from them. 
And they probably have reported to the credit report agencies. 

1- CMRE Financial Services , XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX 2- XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , OH XXXX 3- XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
A loan modification review was conducted and the lender did not provide a compliant reason to deny the homeowner the option to pay back their debt. They didnt list who the investor is and why they are not required to modify the loan. They did not provide the specific reasons as to why the investor does not have to comply to RESPA guidelines.
I had looked into applying for a consolidation loan from several other lenders, but always stopped short of filling out an application. I would always consult with the lenders first and ask if they looked at individual income or household income when determining my qualifications for the consolidation loan. Of the half a dozen or so other lenders I have previously spoken with they were all very clear that their income qualifications were based around individual income and not household income. After speaking with this company in question, however, I was told that they look at household income and not just individual income. So I went through the lengthy application process only to be denied after several weeks of review. When I asked for clarification, they said that I was denied based on my income. The person that I spoke to this time around apologized and stated clearly that they do not factor in household income, but they only look at individual income.
There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.
I have a medical bill that goes back to 2012. The third party debt collector has not tried to contact me regarding this debt over all of these years. I have noticed that on my credit report that this bill collector is literally making inquires into my credit report every day. This is negatively affecting my credit score and I feel like this is being done purposely to affect my credit score in a vengeful way. I do not feel like this is legal due to the maliciousness of this action.
This a company called Penn credit corp they are saying I owed the city of XXXX XXXX and I have never lived in XXXX  I tried disputing it with XXXX  and they say the debt is valid somebody had used my info I didn't even know about in XX/XX/XXXX I lived in XXXX XXXX in XX/XX/XXXX in XXXX XXXX the address I lived at in XX/XX/XXXX was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it said I owed the XXXX XXXX XXXX XXXX 1.380.00 or higher I had disputed them on XX/XX/XXXX and just know got the results saying that the debt was valid I really want this debt removed from my credit report.
I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days past due as XXXX 2011
I went to Experians website to receive my free credit score from them. After inputing all the necessary information I was directed to a screen that required me to pay to get the information. {$1.00} per day and the {$21.00} per month. Ive asked them to clarify their offer but have not received a response.
The account is a pay day loan from 6 years ago. I never paid this account late, it was automatically taken from my account. The company refuses to admit the information is not correct however, I have sent Transunion the information from my account which can still be accessed online, I will attach this information. There are two issues with what is being reported, first if XXXX XXXX gave me XXXX pay day loans at the same time, they violated the law. Second, they even report the account was paid and never late, which means they are reporting false information. Yes I was young and dumb getting this payday loan but there is no reason for them to report false information unless they are doing it to hurt credit scores so people like me ca n't get conventional loans. I gave this information to Transunion and they told me that, the reporting company reports the information and they just put in on account, I asked even if I supply documentation showing it was paid and never late, they said yes, it is up to reporting company. Because the reporting company refuses to change and they mailed me something saying their records show I paid late but yet online records show it was paid and never late. So credit bureaus wo n't take evidence from normal consumers but will take information from companies as legitimate even when seeing receipts and documentation disputing what the company claims in the reporting. So consumers are now required to sue the company and credit bureau to get this inaccurate information removed. How is this possible?
When American Express company advertised a XXXX credit card with XXXX bonus points a few months ago I signed up. I spend over $ XXXX on the card but the promised points never was posted. When I called the company the people on the line gave me the run around, transferring me to different departments etc..
This debt is no mine. I have told them over the phone several times this debt is not mine. I have asked the company to show me validation of debt. They have shown me none accept my name dob and social are incorrect.
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.
I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all.
Creditor is XXXX XXXX XXXX and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
My financed car was deemed a total loss in XXXX 2016 due to a flood water in XXXX, Tx. My insurance company payed out over XXXX dollars on the XXXX I owed. I understand I am responsible for the balance, however, once an insurance company makes such a payout it is my understanding they take possession of the vehicle, so how is it that my bank can file my car as a repossession? And claiming I owe more than what my actual balance was after the last payment I made.. Because I am still without a vehicle and ca n't even finance one because of their reported repossession. I made I believe 9 payments on the car and never a single one was late, until after it was deemed totaled and I did not have possession of it. Can they do this and what do I do now? I already lost the job I had, found another only over a week ago, and no car is causing issue again. This is n't right.
EXPERIAN WANTED TO RESPONSE TO YOUR INVESTIGATION THAT YOU CLAIMED TO HAVE FOUND. # 1 YOUR investigation were and is incomplete because I never Got any of the original sign documents from you in which the FCRA 609 STATES CAN YOU PLEASE SEND ME THOSE THE LAW STATES THAT YOU SHOULD HAVE THOSE ON FILE WHEN THE CONSUMER REQUEST THEM. SO HOW DID YOU COMPLETELY VERIFY THE ACCOUNTS # 2 THE LAW SAY NOTHING ABOUT ASKING THE ORGINAL CREDIT FOR THE FRCA 609 ACT PLEASE EXPLAIN? THE LAW STATES IF THE REPORTING AGENCY CAN NOT VERIFY THE ITEM HAS TO BE REMOVE SO MY MAIN QUESTION TO YOU IS DO YOU HAVE THAT OR NOT?
On or about XX/XX/2018 I was contacted by telephone from a representative from Care Credit ( XXXX XXXX  ) about an account that I had opened. They advised that they have been getting the monthly bills returned to them as undeliverable, even though I previously was receiving them, and making monthly payments. Upon further investigation it was determined that the last bill sent to me was in the month of XXXX of which I paid. The account was opened underneath a promotional interest deferred rate and I had plan on paying it off prior to the end of the promotional period which was XXXX. I inquired with the company why they did not try to contact me prior at the information I provided when the account was opened, and they claimed they tried but the number was not working. I asked them why they didn't simply pull up my credit history and check the address that was on file since they already had this information. They couldn't provide a response. I spoke with a supervisory representative today and explained the situation to her. She filed a complaint with the bank on my behalf that can take up to 30 days. Since the account was not paid prior to the promotional period ending it increased approximately {$1000.00}. To ensure a showing of good faith I paid the total amount due prior to the end of the promotional period on XX/XX/2018 when I was speaking with the supervisor, of which was {$870.00}. This really appears to be a sort of scam by the bank to ensure the collection of an increased interest rate by not allowing me the opportunity to pay it. They could have simply done their due diligence and looked into a multitude of databases to determine my correct address in XXXX, XXXX, or XXXX, or made contact with me by either home phone, cell phone or email. 
Unfortunately, I also checked and the bank has entered a negative report within my credit history. This could have a negative impact upon me when I have to conduct my background check, that occurs every five years for my security clearance. 

I have attempted to check the box allowing for publication on consumerfinance.gov, but it is not allowing the box to be checked. I give you permission to publish this description but please remove my personal information. 

I have asked for a bill to be sent to me on or about XX/XX/2018, but as of today ( XX/XX/2018 ) I have not received it. I also asked for a receipt of todays payment made, but they were not able to provide one. If and when I obtain any written information I will provide it. 

I am hopeful you can assist me with this unfortunate situation.
I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.
I was closing on a property on XX/XX/2018. On XX/XX/XXXX I requested a wire be sent from my account at HSBC. On XX/XX/XXXX, my account was charged. The money was never received by the escrow agent. I had to take an emergency overnight margin loan to cover the {$170000.00} that was transferred out of my account. I've been in contact with the HSBC Premier Representative and Branch Manager who have been very uncooperative. Its been 9 days and I am still missing the funds. I almost lost the purchase of the house, which I would have, had I not been able to obtain emergency funds from other sources.
I attempted to refinance with LoanDepot.com to lower my interest rate on my existing mortgage. After the appraisal of my home, my LoanDepot.com contacts never called and I could not reach them. A Customer Care Representative for Loan Depot, XXXX XXXX XXXX called and I explained to him that my supposition was that I had not heard from anyone from Loan Depot at the conclusion of the appraisal because of the extremely low value placed on our home by the appraiser. The market value of our home was estimated at {$360000.00} by the appraiser chosen by Loan Depot. This was curious in that this is the same value that The County of XXXX ( NJ ) uses as their appraised value of our property when calculating our taxes. And, it is fairly well known that the appraised value used by the government is historically low. I have purchased XXXX homes in XXXX cities in my 35 years of home ownership, yet I have never, ever seen an appraiser simply lift the appraised value of a home from the tax records that are available to any citizen upon request. I consider an appraisal based on publicly available tax records to be suspect at best and dishonest at worst. I believe that for the price charged by appraisal companies and paid for by consumers, {$390.00}, deserves more than a stroll to the county tax board. 

Even more curious is the fact that XXXX year earlier ( 2015 ), for the purposes of obtaining a home mortgage, our home was appraised at {$480000.00}. In the same year ( 2015 ), our home was appraised for {$460000.00} on behalf of a different lender. Even more infuriating is when I pay my homeowner insurance premium, the cost is based on a replacement value for my home of {$620000.00}, as established by an independent engineering firm. 

Because of the inexplicable results of Loan Depot 's appraisal, which is contrary to all logic and factual analysis, I disputed the charge of {$390.00} for the appraisal which was placed on my XXXX credit card. Although XXXX XXXX states that " Federal policy does n't allow us to influence the market '', it was Loan Depot that fought my dispute that I filed with XXXX. The appraisal company was nowhere to be found. Because Loan Depot fought for my {$390.00} dispute, I would suggest that this represents a conflict of interest. In my opinion, a mortgage company should not be arguing and defending the appraisal company. I fail to see where Loan Depot has standing regarding this charge. It is money owed to the appraisal company, not Loan Depot. After reading the Dodd-Frank Act and the Congressional Intent of this legislation, either Loan Depot " fighting '' for money owed to an appraisal company is a direct conflict of interest or at a minimum, it is an appearance of a conflict of interest. Shame on Loan Depot to hide behind " Federal policy '' when it is advantageous for them to do so and to ignore " Federal policy '' where there is a possibility of forfeiting not their money but the money charged by an appraisal company, an appraisal company that Loan Depot claims not to have a relationship. ( XXXX credit card documents included in the uploaded attachment ).
Over the five years since my bankruptcy, this debt collection company has called my place of employment telling co-workers and bosses that may wages will be garnished, and i will be served. I provide them with my lawyers name and number, but they never call. 

Today they called and left a message on the main number stating " this is XXXX XXXX and there has been a complaint filed against you. Please you or your attorney contact the age at XXXX. '' When I called they said a judgement was granted against me and they were going to garnish my wages now that they were able to verify my employment.
XX/XX/2018 I noticed there has been a negative and inaccurate reporting on my XXXX credit report that had been removed previously and I put a freeze on my credit report prior to this negative reporting. I called the company and requested more information about this alleged debt and even gave my current address and I never got the demand notice or any details about this account. I called XXXX and asked was this account verified before being put on my credit report and they said no but i can do a investigation. I asked what was the purpose of me doing a freeze on my credit report to protect my score if XXXX  was going to allow companies to place inaccurate accounts and get money from me that I dont owe. After the investigation was done XXXX  removed the account and sent me a notice saying it was deleted. 3 Months later I applied for a business line of credit for {$45.00} and this was not a hard pull however they review the tradelines and collection account and available credit. I was denied the loan due to this same account put back on my credit report that didnt belong to me. I was furious about this same account and i called XXXX  again and another investigation was done and XXXX rep stated it was accurate and it was kept on my credit report causing my score to drop from a XXXX to XXXX according to the loan people where I was trying to get a business loan from. They told me this account from XXXX  caused me to get denied. I told XXXX  I never had a contract agreement with XXXX. Aftergoing back and fourth with XXXX  and asking for a deeper investigation and got no help from them I called the company that placed this bogus account on my credit report and they had no correct information on me. they didnt have my ss # so how they put it on my credit report is beyond me. They had all wrong addresses, the wrong place of employment and wrong date of birth. I guess they put it on a credit report of a person who has the same name as the person they are lookng for. after the irrate calls i had with many XXXX rep they finally looked into it and the company said they have no information matching me in their system and then had the nerve to ask me to send in my correct name and social security number and date of birth so they can make sure and I hung up the phone so quick because it didnt sound right. XXXX  finally removed it after it caused me to lose my business loan that cause me to lose out on business and money. XXXX  never verified the debt or they would have known this was not mine and the company kept re adding this to my credit report. My rights have been violated and XXXX  has violated my rights and placed false and misleading information on my credit report and deafirmation of character. I am looking to sue the collection agency and XXXX per violation. alot of rules of the FDCPA was broken, FTC AND CFPB AND FCRA.
I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. 

I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. 

I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. 

They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. 

I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.