WillisBack/dataset-financial-user-claim huggingface dataset:
Want USI, XXXX XXXX to stop harassing. Debt to XXXX XXXX of XXXX from XXXX2008 to stop. In over 25 calls just now got their address. Threatened that complaint has been made. They said they are bonded in TX but could not find them on XXXX site. This is beyond RD 4 year statute of limitations. They are calling family members and their family members
Navient keeps calling my parents looking for me and college debt. I didn't borrow for college. I called them on XX/XX/XXXX, and gave them my info. Their reply, you have NO loans. We will take you off the call list. They admitted they get the numbers by XXXX person and city. I asked for confirmation from supervisor. gave them 2 emails addresses. NOTHING. Now they are calling again less than a week later.

FYI. kids college loans are paid off too.

WHAT GIVES??
On XXXX XXXX, 2017, Wells Fargo in XXXX, MN accepted and signed for a XXXX XXXX overnight pkg that contains 2 checks to pay off my 2 Wells Fargo accounts. One being a Personal line of credit with the check amount of XXXX and the other amount of XXXX. Wells Fargo has no knowledge of where these checks are to pay my accounts in full. I would like this investigated as I have already contacted Wells Fargo twice and have received no assistance with whom to contact to investigate this matter on my own. 


XXXX, XXXX XXXX
Contract was cancelled due to the original creditor selling this debt to XXXX. I have no contract or no legally binding documents with my signature agreeing to this debt with XXXX.
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing to get this remark retracted. I believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time or to my address.
I ask the Debt Collectors to prove that I owed them the debt when they filed a lawsuit against me, but it is pass the Statue of Limitations to collect on this debt, however, they were still granted a Summary Judgment and I would like to report this business to seek relief from this crime or unfair consumer practices of XXXX as Trustee, XXXX XXXX, XXXX XXXX XXXX, XXXX and Heavner, Beyers & Mihlar, LLC.
I am a part of the Equifax hack and my information was stolen and now all my personal information can be sold to the highest bidder due to corporate negligence.
This company appears to be maximizing interest and fees charged to their customers by creating challenging payment terms. I enrolled in auto pay but choose to make additional principle payments. To make a principle payment on-line, a {$7.00} charge is assessed. To avoid this fee, I have attempted to mail payments to this company. Even though the checks are clearly marked " Principle Only Payment ( and my account number ) ''. the payment is not handled properly and they " suspend '' payments and monies do not roll into principle even when auto pay is processed. The other MAJOR issue is a payment mailed on XXXX/XXXX/XXXX was not posted until XXXX/XXXX/XXXX. 10 days to mail to a collection box is ridiculous and my feeling is that this type of payment is being held until regular payments are processed. I have tried reaching out to them for a remedy but have not received a call back.
I Left service provider XXXX XXXX XXXX, I left within the 30 days I had right to cancel within 30 days for a full refund provided I also turned back in the phones. I had canceled before the 30 days, and now I am being charged an early termination fee. I also turned in all the cell phones back to this provider, and I am still being charged I was sent to collections. This is invalid.
XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed
All XXXX credit reporting companies, experian, XXXX, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my transition. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, XXXX. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
At one point I did have an account at XXXX XXXX XXXX, but I completed and submitted the correct paperwork to close the membership. At that time, my account was up to date. I should have no charges.
I am a co-borrower on a loan for my son. He is behind on his payments and One Main Financial continues to call me. which I understand is their job, but they are calling my job on a harassing basis and I have verbally told them do not call me at work and so has my boss and they are very rude and says they will call here whenever they want and so forth. Now they are calling daily asking for Human Resources number to file garnishment and that number has been given to them every time and they then call back saying that is not a good number which it is. They are jeopardizing my job with the calls and they have been told to stop. My husband lost his job and I am barely paying my own bills must less my sons, and yes I know that is what a co-borrower is for, but I feel the harassment needs to be directed to him not me until all other options with him are exhausted.
Since consolidating my loans I have had a lot of difficulty in obtaining an affordable monthly payment. I have called and been left on hold for long periods of time. I have also actually spoken with representatives that may give me options on the phone, place my loans in forbearance, and then claim I will receive documents in the mail to complete to finalize the lower payment based on my income. However, I never get the revised documents nor can I locate them on the website. This is factoring into my debt to income ratio and has prevented me from qualifying for new credit and also makes it appear I can not afford very much. Based on my current loan payment, which is well over {$1000.00} I can not afford anything. I need help and since XXXX XXXX changed to Navient I have received very little. In the meantime the interest continues to grow and the loan balance with it. Please help!
I recently applied for the Citi Double Cash card and received my Citi Double Cash card on XX/XX/XXXX. I activated the card and was informed I can begin using my card. My two first attempts to use the card on XX/XX/XXXX the card declined. I immediately contacted Citi and was told the card is usable with no further declines. I stressed that this can not happen as I'm using this card for purchases with vendors whom I work with. I was assured there would be no further problems. On the following day I had two vendors contact me that my Citi card was declined. I again contacted Citi card and was told they need a copy of my Social Security card. I have never provided this information to a credit card company as I have excellent credit, and held credit cards for over 30 years. Also, I have another credit card currently with Citi. 
After almost an hour on the phone and speaking with a supervisor I requested to cancel the account as I will find a different card provider. They refused to cancel my account until I give them a copy of my social security card. 
I then receive a letter stating they want a copy of my social security card on XX/XX/XXXX via mail. I immediately called and stated I'm not comfortable mailing a copy of my social security card and to please cancel my account. I have not interest in doing business with this company. I was told they will not cancel my account until I mail them a copy of my SS card. At this point I have no idea what to do. I have wasted too much time and effort trying to resolve the service and cancel my account. 
Citi has worst service I have ever experienced.
I have told them many times not to call my office of work. I work in a medical clinic and they harass me during operation hours, blocking up XXXX of the few lines we have for clientele needs.
On Tuesday, XX/XX/XXXX, my mother received a call from Credit Management Company asking for myself. She then proceeded to ask them what the call was in reference to. The caller informed her that I supposedly owe some debt, the amount of the debt, and the creditor that the debt was owed to. My mother relayed this information to me and gave me the specific information. I had called Credit Management Company on XX/XX/XXXX to inquire about this debt, that I had no knowledge about, because I wanted to see if it was valid. I had informed them that they had violated FDCPA [ 15 USC 1692C ] 805 ( b ) by disclosing this information to my mother. XXXX, from Credit Management Company, had stated it could have been an automated message which disclosed this information. I informed him that this communication, regardless if it was an automated message or a person, came from Credit Management Company and still illegally disclosed this information to a third party.
I have wrote Experian,  XXXX , and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.   XXXX   said they will removed but still fail to do so. Experian and  XXXX  said they verified but the court said they did n't verified threw them. This item is not mines
For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.
Under credit inquiries both Transunion and XXXX are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX Experian- XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, XXXX XXXX
I understand that there is a balance with    XXXX   XXXX    regarding my company account. I had lost contact with them regarding this, and they submitted the balance over t o US Impact Inc.   <P/> When  XXXX   XXXX  from  US Impact reached me  the first time, the call went fine, up until the very last few moments where she started to get rude and made a rude comment. This was the first issue.  <P/> She proceeded to reach the  manager of m y company and was rude and threatening to her.  <P/> I contacted    XXXX   XXXX   abou t the issue, they confirmed that US  Impact was in fa ct who they sent the bill to. They gave me the contact information for  XXXX .  XXXX   XXXX  has been very nice and communicative on the phone. I am MORE THAN HAPPY to deal with them directly as I do not want to further jeopardize my relationship with them. However, for this particular bill, they are at a standstill since it has already gone t o US Impact.   <P/> My concern is that  XXXX  fro m US Impact Inc has  violated several rules. I 've asked her not to call my cell phone during business hours, and she proceeds to. Today when I had a moment to answer, she straight out LIED about any agreement between  XXXX   XXXX   XXXX  and  US Impact. She sta ted that the  manager o f  XXXX   XXXX   XXXX  confirmed with her that there was an agreement fo r 3 payments. This was NOT the case, nothing was agreed upon. She was EXTREMELY rude to me, and then wh en she called  XXXX    ( the manager ), she was rude to her, lied to her as well, and was harassing on the phone.
<P/>  I understand the need to collect on a debt, but being threatening, rude, and uncooperative does not solve anything.    XXXX   XXXX   XXXX   Acc ounts  Receivable de partment has been extremely nice about it, b ut US Impact has gone above and beyond being cooperative.
I purchased some blankets online from a company that I found out are scammers after the point of sale. This was about four months ago. The company is XXXX XXXX  XXXX. I have tried to contact them numerous times about an update on the purchase and inquiring about a refund. All I have received is lies, denial, and obvious disrespect from customer service via email. I filed a dispute with my card XXXX XXXX  CARD. They have strung me along a foreign customer service saying to wait on an update on the dispute until today. I was on the line for 30-45 minutes until they told me my dispute has been denied due to it being legal action. They told me multiple times before this that my dispute was being processed. I have been lied to and scammed with no hope of getting my money back.
I checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Which has resulted in my credit score dropping.
XXXX XXXX  & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX Bank and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
SPS will not furnish all original documents sent to them from borrower XXXX XXXX XXXX -XXXX  . Borrower used my information to secure a trial period payment option and I requested from SPS the documents that were submitted. SPS stated that they have no clue of this person, address nor the account.
I have XXXX Accounts Closed reporting by Credit Karma for XXXX and XXXX Credit Bureaus. I need clarifications of why/how this continues to reports ; if I did n't request closure? In fact ; all of the merchants were paid off in full..I HAVE CONTACTED ALL MERCHANTS. The response is that they have to report this way. My credit score decreased by XXXX points instead of increasing ... I am debt free with the exception of our Real Estate loan.. Merchants should not be allowed to report an Account closed unless the consumer has requested ... Additionally this also impacts History/Length of time an Account has been opened and Credit score is decreased again ; according to information received from Credit Karma ...
My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX. 
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I  was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}. 
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once. 
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest. 
As you can tell I am very upset and would like something done about this.
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.
I have been very active of my credit score and credit report since I became a victim of Identity Theft on XXXX XXXX, XXXX. I have many issues with Experian Credit Bureau since I became a victim. First Experian took a very long time to investigate my Identity Theft case. Second Experian refused to bring my credit score to XXXX points when I disputed all the fraudulent charges against me from other credit card companies and the charges were all dropped in my favor. XXXX Experian continued to remove other false information on my credit report such as the address XXXX XXXX XXXX, XXXX, CA in a swift timely manner as requested. Finally the waiting period to talk to a live human being customer representative on the phone is between 20-45 minutes long when I called to ask questions or other concern. My main concern right now is the address such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX appeared on my credit report. I already informed Experian that I do NOT live in XXXX California or will NEVER move to XXXX California. I ONLY live in XXXX XXXX, California since XX/XX/XXXX. Why is the address XXXX XXXX XXXX XXXX, XXXX, CA appeared on my credit report? How is this possible? I have already placed a Security Freeze and a Fraud Alert with Experian, XXXX and XXXX on my credit report in order to prevent and stop the criminals from opening more fraudulent accounts under my name WITHOUT my consent. The suspect or criminals should have NEVER opened any further or more fraudulent accounts. I checked my credit score on XXXX/XXXX/XXXX and noticed a huge drop from XXXX points dated on XXXX XXXX, XXXX down to XXXX points on XXXX XXXX, XXXX. The reason why it was dropped according to Experian was " Derogatory public record or collection filed. '' The last time I checked, I do NOT have any other credit cards other than my current ones such as XXXX XXXX, XXXX XXXX and XXXX cards. I ONLY owe a few amounts such as {$620.00} on my XXXX XXXX card. My other account is XXXX XXXX XXXX and I owe {$210000.00} on my mortgage or townhouse. Why did Experian dropped my credit score so low? I do NOT owe any more accounts. I am a VERY responsible person and spend my money within my budget. Why does Experian hate me so much and continue to refuse to bring my credit score to XXXX points? XXXX gave me XXXX points on several occasions. Why ca n't I ever receive XXXX points from Experian? Is it retaliation since I have filed numerous complaints against Experian? I will continue to file more complaints until I receive XXXX points credit score from Experian. Experian should know by now that I am very serious about my credit score to XXXX points because I am a responsible person and paid ALL my bills on time. I hope and pray that the people working for Experian take my current situation regarding my Identity Theft seriously and assist me.
Turned down twice in XXXX and XXXX by Wells Fargo for extension of current HELOC - variable/prime ( now at limit ( $ XXXX, since XXXX, or new HELOC. First mortgage paid off in XXXX. I have credit score over XXXX and equity in condo of over {$160000.00} XXXX I will be XXXX next month, and am living alone. My average annual income since retirement in XXXX is XXXX {$XXXX}. WF turned me down twice, explaining ( XXXX ) they are at the mercy of government regulations concerning ratio of income to credit exposure. Income is composed of about half fixed benefits, ( pensions and SS ), and half from IRA distributions from XXXX IRA, now at a level of {$XXXX}. Reasons for loan extension request of {$XXXX} is to replace IRA distributions for 2 year period ( XXXX & XXXX ). I want to reduce taxable income for that time, and finance repairs and improvements to home in preparation for sale and likely future retirement living in a group facility.