WillisBack/dataset-financial-user-claim huggingface dataset:
This is in regards to both my Auto Loan and Consumer Loan with NFCU. Over the last two months I noticed the breakdown of my per Diem and the amount going to principal/interest based on the number of days in the billing cycle was wrong.I was being over charged interest despite the calculation of the per Diem x number of days since last payment. I called over two weeks ago and was told our account would be audited. ( The reason their representative recommended an audit was because she too said we were being charged more and she did n't know why. ) After a week of no response, I called back only to be told by a manager an audit was never sent but a " Financial Hardship '' request was. ( I am paid a month ahead on both my loans so I do n't understand why this was even a thought. ) She said the request was re-entered, sent " urgent '' and two business days we 'd hear back. It 's been almost three weeks and still no call. They have failed to provide the per Diem and P/I interest breakdown since the start of the loan which we have requested. We were also told that between the initial complaint and last it was corrected however, we never received information regarding the correction or any credit to our bank account or principal balance of the loan. ( We do n't even know how long it had been going on because again, NFCU has continually failed to provide the information requested. I was also told I would be able to pay towards the principal of the loan eventually paying it off early however, now I am told they do not offer that option. They only allow me to pay the balance in full or pay ahead. If I continue to pay " ahead '' as instructed that serves me no good as they will still collect on daily interest until the payment is finally made. I have continually been given false or inaccurate information since I took out these loans. When I have asked for statements from the beginning of the loan with the breakdown of the per Diem, the number of days in that period and how much went to principle and interest, they send me a transaction history which is the same information provided online. ( The date and amount of the payment made ) I have also been told to keep calling back if I do n't hear a response within the provided time frame. This is not my responsibility. It is their responsibility to follow on with their " audit '' as their representative explained and call me or provide me something with the findings along with what I have asked. " Adjusting/Correcting '' the account without following up or giving me the credits for overcharging is fraud. I no longer have the examples of what was off because it is now " lost '' due to the initial filing never being completed or completed accurately. This is absolutely inexcusable especially when I have never been late on any of my loans, in fact they are paid a month ahead and my credit card has a zero balance. This needs to be looked into immediately and my loan needs to be evaluated from day one for corrections and fraud.
Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint.
I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & Transunion
I was never properly informed of any liens or judgement until XXXX/XXXX/XXXX. I filed bankruptcy in XXXX with knowledge that all debts were XXXX. As of XXXX/XXXX/XXXX XXXX XXXX I received a call as well as an email directly from Bank Of Hawaii ( lienor ) asking for payment and they are not willing to settle. Bank Of Hawaii collection department representative XXXX XXXX emailed me judgement papers to show me a break down of the initial payoff, as, well as, made me aware that interest and per diem will be charged continuously until debt is satisfied. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX sent a payoff request thru email. After speaking to our attorney I was made aware that all debts should have been discharged and it is in violation for the debtor to request payment. I am aware that a motion can be filed to resolve this matter. I will take legal actions if necessary. Prior to discovering this situation I was never made aware of this debt. Had I been properly made aware in XXXX, I would have attempted to take care of this matter. I was never properly informed, I had no knowledge of a per diem fee, as well as, interested being added daily since XXXX till current. This matter was brought to my attention thru Escrow. After cleaning up my credit and trying to make an attempt to purchase my first home for my family of XXXX, this situation has stolen my opportunity to move forward in providing a stable home for my family. Please advise.
My Credit card was closed, and my rewards balance was taken. I had XXXX points, which is equivalent to {$5500.00}. I do n't know why my account was closed, but I would like to get my rewards back.
XXXX issued a check payable to our customer, XXXX AND firstsun financial inc. XXXX negotiated the check locally and received all the funds. we never endorsed the check or received any funds. XXXX even told us personally that he cashed it. i filed notarized check fraud affidavit for nonendorsement thru XXXX who says they submitted to XXXX in XXXX XXXX they said then that the bank said it would take 90 days. that passes 2 months ago. i have made repeated calls to the insurance company. i called the bank, they refused ant info, status or comment about my affidavit ... ..was it received? ... did they debit it back thru XXXX??? ... did they already refund XXXX?? as a XXXX, i know that such matters require tracing back the guily party ... .the bank or the insurance. i need to start with you to see what the bank has done. in my XXXX years of XXXX, i know that no problem next to major litigation takes this long! quite simply..they take my affidavit and the endorsement complaint, send as returned item thru XXXX who returns it to the negotiating bank, who might even send it to the local branch that took the item. either way it is THEIR responsibility to get funds from the customer. in the meantime, all parties should have been refunded along the way. 
I ask your help to investigate this matter with XXXX XXXX. we need to know what they have or havent done. 1 am attaching a copy of the check that was provided. I think 6 months is enough!
I discovered myself that I had a FRAUD ALERT that I was not aware of on my XXXX Bank account. As I searched my account I clicked on Credit Alert which was located under Credit Tracking. XXXX is not only a bank but also a credit alert company that I do not pay extra for this feature. I never received an alert from XXXX notifying me of this new alert so I called them wondering why. I was told that this alert did not show up anywhere on their records. The XXXX Credit bureau also failed to notify me of any changes on my credit reports. So I copied and pasted the XXXX inquiries that I was looking at for you to view and to see and what I am talking about. You will be able to download it from the attachment I sent to you. I find these inquiries to be troubling, quite strange and suspicious. Can you please investigate these problem? 
1. Carecredit.comProcessed Date XXXX Reported XX/XX/XXXXCommentsStatement added because consumer was a victim of true-name fraud # IFCRA ( XXXX ) XXXX ( XXXX ) XXXX statement : You placed a fraud alert on your credit file. 

2. Processed Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Address Street Address Line One XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXX Address Street Address Line One XXXX XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 







3. Processed Date XXXX Number XXXX Name SYNCB/CARE CREDITIndustry Type Miscellaneous Finance CompaniesStreet Address Line One XXXX XXXX XXXX XXXX XXXXZip XXXX XXXXAccount Balance 0Payment Status CurrentCreditor Preferred Contact OtherNew trade account : An account provider reported a new account to your credit file. 
. 

4. Credit XXXX InquiryProcessed Date XXXX Name XXXX XXXX XXXX XXXX Address Street Address Line one XXXX XXXX XXXX XXXX Address City XXXX Address Zip XXXX Address State XXXXInquiree Address Street Address Line XXXX XXXX XXXX XXXX STInquiree Address City XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file. 

See alerts of critical changes to your XXXX report. View alerts about any delinquent accounts, fraud alerts, new accounts or addresses, and names that may point to potential identity theft.
I went to open a Bank account and once they ran the ChexSystems 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to ChexSystems on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter on XX/XX/XXXX requesting that they send me proof of signature.
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with Internal Check Systems ( ICS ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from XXXX XXXX XXXX for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.
I am not sure who the credit reporting company is that have the wrong address information. I never resided at XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Please update my personal information to reflect this.
I attempted to get a copy of my credit report due to many hard inquiries that i did not authorize. Experian online had me call a number that simply hangs up after giving all the required identity info.
I filed several complaints with XXXX  concerning a Capital One credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. Capital One charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I received a 1099-C form in the amount of {$970.00} for the cancelled debt and I filed the 1099-C form with my taxes in XX/XX/XXXX. In DXX/XX/XXXX Capital One reported the debt as a new debt to all credit reporting agencies. I informed XXXX that the debt was not new and I submitted my 1099-C form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX XXXX  is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the Capital One account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.
My account is on autopay and I checked my account status on XX/XX/XXXX online. I saw that my monthly payment increased and I did not think that I was properly notified of the change in terms. I double checked my email and my online account inbox, no statement was sent to me to notify of the change. I called on XX/XX/XXXX to tell them that I did not receive a statement through email and it is not in my online inbox. The last statement I received was XX/XX/XXXX, with a payment due date of XX/XX/XXXX. The customer service representative said they have a generated statement dated XX/XX/XXXX for my XX/XX/XXXX due ; the monthly payment amount can not be changed. I told him that I was not properly notified and that I would like an account adjustment for the overpayment they are charging me. I said I have a screenshot showing that they did not send me a statement. He said it doesnt matter because on their system it shows it was sent and they cant change my payment or change the payment allocation. He offered to cancel my autopay and put me on forbearance. I said no I dont have a problem paying, my problem is that I was not notified. I asked to speak with a supervisor and was on hold for 30 more minutes. The representative said they are very busy. I said I have to get to work and would like a callback. He said they would call back asap. I gave him my number and it has been over 24 hours without a callback from the supervisor to resolve the issue.
First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my Transunion accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX, 2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3900.00}
I applied for a Discover Card about 30 days ago with a balance transfer on the application. I read as much information as I could about the balance transfer process. I was approved for {$900.00} which is less than the balance transfer which was fine. In the meantime I paid off the other credit card in full since I was unable to do the balance transfer. Now today XX/XX/2018 I receive an email stating my balance transfer has gone through with an amount of {$850.00}. I immediately called Discover and asked why would I not be notified this action was taking place. Why would I want my new credit limit to be maxed out and also I need to cancel the balance transfer as there is no balance on that credit card. Discover said they could do nothing as it was still pending on their end. Which means no payment has been sent to XXXX yet. How can they not do anything and now I have to wait for XXXX to receive the money and then try and have them decline the transaction and send the funds back to Discover. They told me this was in there disclosures but from the 3-4 pages I ready while applying I could not find anything. This is not right and I need some help!
They will not even talk to me because there is stuff on my report that i can not answer The person even admitted they do not check the stuff they put on my report how can i fix this if i can not despite it
I have two ( 2 ) tax liens listed on my credit file ( s ) with TransUnion and XXXX that DO NOT MEET the Enhanced Phase 2 ( PII ) Personally Identifiable Information standards for Public Records Reporting. These PII standards as outlined by NCAP and available publicly on the CRA 's websites, specifically TransUnion 's own site states that Public Records MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both TransUnion & XXXX and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " Verified ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( s ) with TransUnion and XXXX.
I person by the name of XXXX called me in regards to a medical debt I was unaware I owed, I explained I was in middle of work and could n't speak to him at the moment, he proceed to call my cell a total of 5 times within a 3 hour span. 
I called him back and asked to be sent an invoice because how did I know if it was n't a scam, and I would n't give my credit card information over the phone. 
A few days passed I did not receive anything in the mail, XXXX called my work and asked to speak to my boss, he told my boss to have him call me back or I would be in serious problems. He then called again and asked to speak the HR director, he then called again to obtain my extension number. 
I called him back and asked him to not contact my work number and to not speak to anyone at my work in regards to him trying to collect a debt. I explained I still had not received anything in the mail, which then I realized he did not have my correct mailing address, I gave him the correct mailing address. 
2 days later he called me a series of 10 times, 3 times leaving a voicemail, I was not able to answer the phone because I was in meetings, he then called my work number and spoke to customer service asking if I was working and in the office. 
I called and asked to speak to a supervisor and asked said supervisor to remove my work phone number because the employee XXXX has been harassing me at work, I again asked for the invoice to be mailed. 
XXXX called the next day my work phone and spoke to customer service, he then called my work extension and left a message. 
I again called a supervisor to ask for XXXX to stop calling my work. 
XXXX again repeatedly called me my work phone number.
XXXX, Experian and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
The promotion said I would receive a {$200.00} credit on the XXXX XXXX ticket I was buying and showed the reduction in the price of that ticket. When I did not get the credit and complained to the credit card company they said the credit would be on my first statement. When that did not happen, I called again and they said the credit would be only for a future purchase.
I have a paid credit alert service with XXXX XXXX. I have been alerted that a collection company, named Overton Russell Doeer Donovan, has been falsely reporting that I have an account opened with them. The first alert was an account " opened in XXXX 2016 '', which I had to fight a long time to remove from my credit report. And now they have reported that there is another account " opened in XXXX 2016. '' Their fraudulent actions have continued to affect my credit score negatively. My credit score has gone from mid XXXX to mid XXXX. I am hoping to refinance my house repair cost and possibly the current mortgage. But with their fraudulent reportings to the credit bureaus, I am not able to get the best rate. The consumer credit score and the consumer credit report are extremely important in my financial health, as for many other hard working individuals. I am extremely indignant that this company continues to " toy '' with my personal information and credit information. I do n't even know what they are trying to get out of this. But this needs to stop today. Thank you for your help.
My son is a college student who acquired a credit card with Discover about a year ago. He attended a wedding ( out of town ) on XXXX XXXX. He had told me then that he would not be able to make the credit card payment on time. He really struggles to make his payments on time. I had no money so I advised him to pay it late as he always pays in a timely manner. On XXXX XXXX at XXXX my phone rings. Caller id discloses it is Discover Financial I do not answer. At XXXX the phone rings again. Discover Financial so I answer. The woman asks to speak with my son. I tell her he is a college student and is not home. Well she says she can speak with me, am I his spouse? No I answer, I am his mother. Well she says he is probably at work so what time can she reach him? I again explain he is in college and does not live here. I also ask her why she is calling me at XXXX as I am aware she is calling about his unpaid bill. How late is it I ask two or three days? I found out later from my son payment was 5 days late at that point and these people were calling at XXXX about it. I also inform the rep that I believe it is illegal for them to call me before XXXX. She assures me they start working at XXXX so it is OK. She understands how I feel! No I told her, not really - you issue credit cards to college students who struggle to pay them on time and then you call and harass them for money when they are two or three days late on their payments. I told her if she really understood how I feel she would leave the building because I felt like dropping a bomb on it! I also asked her to stop calling my phone as I pay the bill and my son lives at XXXX University. My son later also told me they have his cell phone number but never call it. The rep told me they have no other way of contacting him except my phone number. I replied " well you have plenty of time to call me at XXXX maybe you can use some of that time to hunt him down! ''
Beside usual escrow payments like property taxes and homeowner 's insurance my lender included in the escrow account some supplemental payments like XXXX XXXX XXXX XXXX XXXX XXXX. I was billed for XXXX by the city and paid it by myself. Then I have recognized that my XXXX account is negative ( overpaid ) while I am short with my escrow account. As a result, my monthly mortgage payment increased and it seems that I just lend money to the mortgage company. All my attempts to talk to the customer support ended with their promise to move my request to the proper department, but no one came back to me whatsoever.
I called XXXX and asked them if they remembered anyone coming in to check on buying a car on the XXXX of XXXX using my SSN. They could n't answer any of my questions and hung up on me.