WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion has incorrectly reported a 30-day late payment on my XXXX XXXX XXXX auto loan dating XX/XX/XXXX, which is the same day XXXX reported that I paid off the loan. I tried to dispute this, but was unable due to a previous dispute some time back. Due to a glitch in XXXX XXXX   system a late payment did go out the day I paid off the loan. the late payment shows 30-days late on a {$0.00} balance. This account should be " Paid as Agreed '' and immediately corrected. 
Last reported XX/XX/XXXX Creditor name XXXX Account type Automobile Account status Closed Opened date XX/XX/XXXX Closed date XX/XX/XXXX Limit {$0.00} Term Monthly ( due every month ) Monthly payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest balance {$14000.00} Payment status Late 30 Days Date of last payment XX/XX/XXXX Amount past due {$0.00}
My problem is the same as described in complaint # XXXX in your complaint database. ( I can not see how this complaint was resolved, unfortunately ). Equifax refuses flatly to give me or my wife our free credit report on line. Per my phone conversation on XX/XX/XXXX with at least two different representatives, one of which was supposedly a supervisor, they require that additional identification be submitted on-line or faxed to an Equifax office in XXXX, both of which are unnecessarily burdensome, less secure, costly, and time-consuming. Additionally, the Equifax representatives refused to tell me why this was necessary, and refused to make any attempts at verification over the phone. They would not even tell me what would be in my credit report that would require extra verification. 

Additionally, attempts were made with Equifax on-line to freeze my credit and my wife 's credit last month, and again this week, after it became legally possible to do this ( XXXX and XXXX allowed us to freeze our credit on-line ), and it was not possible to complete the freeze ( the error message on screen said " Website unavailable, try again later '' ), probably for the same bogus reason of having to send in additional documentation to verify our identities. 

Neither XXXX or XXXX have similar practices, thankfully. 

I am pretty sure that Equifax would still sell me my credit report for money, without any additional verification process, but I am not able to obtain it for free. 

I would appreciate your efforts to stop this practice once and for all by Equifax and to make them sign a consent decree to give consumers their own credit report on-line for free, as required by law, without additional requirements for verification other than what has been standard industry practice. Please note, this has been going on since at least XX/XX/XXXX ( reference the following URL for a story in XXXX XXXX XXXX   regarding this ) : https : XXXX Sincerely, An irate consumer
My account was compromised on XX/XX/XXXX the Bank ( US Bank ) tried not to refund the money taken from my account and froze my accounts. My direct deposit was allowed to go in but I was not allowed to use any of that money therefore my bills were not being paid. I do not use credit cards so I had no other means to pay for things. The Bank was not cooperative and was rude and unsympathetic - I live thousands of miles from family so I had no one to turn to. I have since switched to XXXX XXXX but as of XX/XX/XXXX still can not withdraw my funds from US Bank
My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.SO from XXXX XXXX to XXXX, to XXXX  to some collection company
I am only trying to obtain my free annual credit report and each XXXX of the questions did not pertain to anything I 've ever done in the past. I have never had a mortgage/ loan for a home. I am concerned that I 've had some kind of identity theft and this concerns me as we are trying to apply for an FHA loan.
On XX/XX/XXXX, I called the credit card company to make a payment, and indicated to Chase that I was having financial struggles and it was difficult for me to make the monthly payments. Chase suggested for me to sign up for the balance liquidation program. Chase indicated all I had to do was close the account and pay {$45.00} per month. From there I have been paying {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX. Chase Card services had contacted me several times during XX/XX/XXXX to tell me that my account was past due and that I owe {$45.00} to make it current. I had told Chase I kept my end of the agreement and if they are telling me i owe then they had not kept their end of the agreement. Their reply was I had missed a payment, From there I had said I have my bank statements that say I have paid {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX.
For over 2 years I have had an account with XXXX XXXX XXXX XXXX XXXX. I have NEVER had an interruption of services, in fact, received a water delivery yesterday XX/XX/XXXX18 but Collection Bureau of America is collecting on this bogus debt and refuses to contact XXXX XXXX to resolve this issue. 

XX/XX/XXXX.18, I contacted both companies to no avail.
I have a checking and savings account with Wells Fargo and was the victim of fraud due to a roommate going through my belongings and taking a check that was not given to her nor dated but made out to her and signed. A new check replaced the check stolen. XXXX police reports were taken and a detective assigned to the fraud case. A new account was formed and monies transferred to the acct. Fraud unit had an agent working the case. 
XXXX XXXX of Wells Fargo Risk Mgmt contacted me after receiving contact from the detective for evidence to prosecute the person for theft, uttering, etc. XXXX XXXX did not at any time tell me the bank was taking back the temporary credit ; yet, she told the detective. 
Wells Fargo believes that since the check was signed, it does not matter what means were taken for the check to be in the hands of the suspect. The fact is a date was added to the check, unlike any of my writings, and will go forward to the district attorney. 
I learned from another police officer after he read the detective 's supplemental report that the monies were going to taken from my account as a reversal. Never once did XXXX XXXX let me know her decision. She was anxious to get off the phone to the detective. The police knew before I did that the money would be taken from my account. 
Dealing with Wells Fargo is a risk unto itself. XXXX XXXX did not have the integrity or ethics to tell me of her decision. I am the customer, the victim and this woman made me out to be the wrongdoer simply because a loose check that was never given to the woman who went into my room and took it amongst other things, chose to date it and after I moved out walked into a Wells Fargo branch and received the monies. 
Devastating to be treated in this manner and it caused such anguish I had dispatch contact another police officer to talk to. XXXX XXXX made me think I did wrong. She made me feel like a victim all over again. She is without compassion, honor or integrity when it came to handling my situation. I wish the CEO to know of how I was treated. I have to wait until the woman is tried and restitution ordered a few months down the road. My account was compromised, lost time driving 2 hrs to the bank to get new account info to my employer, etc. Egregious conduct which shocks the conscience. Wells Fargo fraud has no conscience. Many people write a check and do not disburse it and so that means the writer of the check did wrong because someone altered the check to make it cashable? Forgery and uttering is a crime across the nation and 3rd degree in Utah. Wells Fargo treated me abominably and XXXX XXXX needs to be held accountable for treating me so abominably and not telling me what factors come into the decision. No one has the right to steal or use theft by deception or alter a document in any manner. This is fraud, theft by deception, uttering a forged instrument and I am the victim.
RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.
Transunion has failed to validate and verify a fraudulent collection from XXXX XXXX XXXX on my credit report. This collection has not provided any proof or documentation bearing my signature this debt belongs to me. They also failed to provide their method of verification and suggested I report my grievance with the CFPB.
On XX/XX/XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date isXX/XX/XXXXand my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.
XX/XX/XXXX - I entered into repayment for my private loans a monthly payment of {$1300.00}. I requested a lower monthly payment amount and learned I was already at the lowest payment with no other options available. I just completed my XXXX and will be responsible for the repayment shortly ( XX/XX/XXXX ). 

Equally important, I try to contact the company during their posted business hours and receive automatic system stating the office is not open. There are times when I receive an agent and experience a transfer to another department assigned to my account. Of course, the assigned department is closed.
I received a letter regarding a debt I do n't owe. I have been a victim of identity theft so I keep accurate records of my credit report and know exactly whats on my report. But I called the company DYNAMIC RECOVERY SOLUTIONS any way. The person on the phone said it was a debt from before 2003 and I have the burden of proof to provide them information that I do n't owe the debt. Then I received a letter from them saying the same thing. I have never had a XXXX credit card. I have only XXXX credit card. Their saying I have the burden of proof from something over 12 years ago is Preposterous even if I did have a card. I XXXX this company and they are trying to pull this scam all over the place and they need to be brought to justice. Someone needs to shut this place down
I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.
Dear Sir/Madam, I have placed a security freeze on my credit report with all XXXX credit agencies. Now I need to buy a house so I asked for a temporary unfreeze the other XXXX credit agencies agreed however Equifax did not. I am unable to unfreeze my account. When I try to unfreeze either online or on the phone Equifax says that my address is not correct. I have tried all the address that I have lived in USA. I then obtained my credit report from Equifax and then tried to unfreeze using the address that Equifax has on their very own credit report. And yet I am unable to unfreeze my account. I then mailed them all my details including the pin I was provided when I freezed my credit account along with a check and credit card number tocover any fees. Yet they have not unfreezed my account. I am unable to buy a house because of very poor consumer treatment by Equifax. There is absolutely no way to unfreeze my account.
My loan has been transferred to Amerihome Mortgage and since the transfer I have had one nightmare after another. I was proactive in signing up for ebilling and auto debit. they missed the first auto debit and then said that they could not auto debit the XXXX payment since I was late on the XXXX. After calling to settle this and authorizing both payments Amerihome failed once again to debit the payments and I had to call again 1 week later to get the mortgage paid. I then received notice of forced placement of insurance but my premium is paid in full through XXXX and they were given the Mortgagee Clause in XXXX but failed to update their own information. This has caused far too much aggravation and their customer service has been less than helpful as they did not have the means to process the payment on XXXX phone call and had to transfer me to the billing department. They state that it takes 2 months to set up an online account which is ridiculous.
After XXXX I had financial troubles because i lost some of my income. I contacted all my lenders at the time, and none would help me because I was current. After some of my payments faltered the lenders started calling me to collect. I had troubles making payments until XXXX or so with HSBC Mortgage Services. The agreed upon a payment plan to bring the loan current around XXXX XXXX. The begun debiting my account directly around the same time for an agreed amount of XXXX or so per month. They never explained to me that the XXXX per month would never bring the account out of the rears and they did not explain to me either that they did not make a loan modification. After i noticed that my debt was not coming down, I contacted HSBC again to see why this was happening. The informed me that the amount was not enough to cover and pay the amounts in the rears. So I accepted to increment the monthly amount to XXXX per month. 
The Loan should have come to current in XXXX XXXX but HSBC did not apply the payments correctly. So in XXXX XXXX I had to call to get the payments applied correctly. After they corrected the payments, they stopped reporting credit to the bureaus and all through out the period of time where they were drafting money from my bank account per the arrangement, they were reporting that I was paying Late.
XXXX, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting XXXX, They state that another company has filed on XXXX XXXX behalf.
I submitted a dispute on a Tax Lien issue by  XXXX   County Superior Court  in    XXXX   XXXX    in the amount of {$1800.00}. I paid that lien in full in    XXXX   XXXX   XXXX   . I received a full lien release on    XXXX   XXXX   XXXX    from the  XXXX  Department  of Revenue . The  Tax Lien  was removed from my Equifax credit file on    XXXX   XXXX   XXXX   . One month later, the tax lien was reinserted into my credit file with Equifax. Both  XXXX   County Superior Court  and the  XXXX  Department  of Revenue  sent me an email indicating that they never divulge any information to any credit reporting agencies ; therefore, the tax lien information has been furnished by a third party agency and I was never informed that the item had been reinserted into my credit file, which violates the Fair Credit Reporting Act  611 ( a ) ( 5 ) ( B ) ( ii )  which states : In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii  ), you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted mate rial ( ii ) No tice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 ) b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
During our closing of our house via a VA Assumption Loan ( # XXXX ) with Navy Federal Credit Union, we the XXXX 's ( sellers ) were misinformed of the meaning of escrow documents. This misinformation was the explanation of why we did not receive the remainder of our escrow upon closing. I have e-mail documentation of this misinformation between our Loan Officer XXXX XXXX as well as NFCU has notes in their system from the calls I made. In addition once we figured through this particular issue, we were informed by XXXX XXXX ( XXXX 's Supervisor ) that we did not have any money in escrow. Upon investigation we discovered that somehow XXXX XXXX XXXX after the XXXX 's ( buyers ) requested a quote sent a request for payment to Navy Federal on XX/XX/XXXX. Even though at the time the account was already paid up in our name, Navy Federal still issued a payment of {$1000.00} from our account. A payment that took our escrow account to a $ XXXX. This was flagged by Navy Federal and a letter was sent to me asking for verification. I called and explained everything on XX/XX/XXXX and was told the payment was a bulk payment and a refund would be requested. Somehow this was not done and now XXXX XXXX does not want to issue a refund unless XXXX XXXX submits a written request. 

So my main issue is and I can not understand how ; 1. XXXX XXXX was even issued this payment without first talking to the members who own the account, 2. How XXXX XXXX is able to not refund money that was not for any active policy or validation of account ; and 3. Why the XXXX 's and XXXX 's as members have to figure out how to fix XXXX Institutions mistakes instead of the XXXX Institutions saying we will take care of it and just informing us of actions taken along the way. 

So, once this payment is finally refunded then we have to battle the fact that it will be refunded back to the Escrow account which due to the assumption loan is now in the XXXX 's name. The Escrow account balance before the payment that XXXX XXXX deducted was {$750.00}, our refund of our XXXX XXXX is $ XXXX some change, which is headed back to the Escrow account. Again do to the assumption loan the escrow account is not in our ( XXXX 's ) name. How do we get this almost {$1300.00} back to us the XXXX 's? The XXXX 's and XXXX 's agree and are openly communicating about this.
My loans are being serviced by Navient and Navient 's website doesn't provide me with enough information about my account to properly manage it. 

On their website, there is NO option to download monthly account statements showing previous balance, current balance or how much interest is being charged vis-a-vis how much of my payment they're applying to the interest. The website shows me how much of my payment is applied to interest, but without knowing how much interest is being charged, I have no idea if I'm paying all the interest every month or if some of it is being capitalized. 

There is also no option to discontinue electronic account management and return to snail-mail, paper statements. 

I'm on an " interest only '' repayment plan, but I've been consistently paying $ XXXX- {$50.00} more than the minimum payment for almost 3 years, but my balance never seems to go down. 

Don't I have the right to see and download full monthly account statements showing previous balance, current balance and interest charged? Navient won't give me this information. It seems very shady to me and I have to wonder what they don't want me to know. 

I can't attach any documents because there's no monthly statements.
I attempted to contact Sam 's Club to get my payment reduced. However, Once it was being transferred to customer services i got a number code ( XXXX ) and the phone hunged up. I have been with Sam 's club for sometime now. In the past my payment history has been in great standings. However, I had a change in job where my income has decreased tremendously and I can not afford to keep up with the payments. I have been late frequently and Sam 's continue to add more late fees that causes the balance of my Sam 's club account to increase. I am being charged XXXX for late fees and XXXX for interest charge on purchases where I have not used my Sam 's card for over almost a year I 've been sending payments and my last payment was {$130.00}. I just can not get caught up. I am asking that Sam 's Club would lower my payments and interest rates as where so I can be able to pay them off..
In XX/XX/2011 I enrolled in XXXX University and to cover tuition took out approximately {$6800.00} in federal student loans ( loan information attached ). In XX/XX/2011 I withdrew from the University ( withdrawal confirmation attached ). I recently received notice that the tuition amount, despite being covered by Federal student loans which I am paying, was sent to collections and is attempted to be collected on by a collection agency ( see attached credit report ). Not only is this debt illigitimate, it is being incorrectly reported on my credit report for a much higher amount as well as an incorrect date.
When I found out about Servicemembers Civil Relief Act ( SCRA ) i applied for it through Capital One only to find out they sold my account to a third party called XXXX. However, I can not get in contact with XXXX to discuss my account and its nothing that Capital One can do at the moment. I know my account went into default however, the account was opened prior to me joining the military. And I am entitled to SCRA benefits as I am an XXXX service member and have been for over XXXX years. When I called the number for XXXX I get no answer no matter what time I call.
Chase Bank purchased my mortgage from XXXX XXXX. My mortgage contract does not block or prohibit making partial payments. Chase Bank is not properly crediting my account with partial payments and those payments are sitting in an unapplied fund status in excess of my monthly balance due. Chase Bank is harassing me with past due phone calls even though the sum of my payments are currently in excess of the amount due.
We refinanced with freedom mortgage XXXX 2017 due to being behind on our taxes by 2 quarters.  After signing all of the closing papers with all of the correct information,  6 months go by and they send us a mortgage statement with an increased payment by $XXXX. Which was $XXXX to $XXXX. And they also increased our escrow payment by $XXXX. Which was $XXXX to $XXXX. Our tax office said that freedom mortgage never did a proper tax search. I have every document possible to back my side that I will be faxing.
I am a retired Military Service Member and XXXX Veteran on a fixed income. 6 months ago, I made the decision to become fully retired, including filing for SSA benefits. I contacted all my creditors to close and work out paying off my debts. All of my banking and credit card creditors have made a commitment with me to help me by controlling my payouts and reducing APR 's to fixed and manageable payments on my debts. This has worked great with all my creditors except CapitalOne Visa and CapitalOne Mastercard. I've been trying to work things out with them now for 6 months with no success. Not only has the APR rates have gone up, but also minimum payments have even doubled within these last 6 months. My last conversation today ( XX/XX/2018 ), again ended with a resounding " Can't help you and that is what you agreed to when you opened these two accounts 5 yrs ago. '' I talked to several layers of supposedly Account Management, with the same talking points and denial comments. Your assistance is needed in this matter.