WillisBack/dataset-financial-user-claim huggingface dataset:
I 've called Experian at least 4 times in 3 days. XXXX hour holds and then hang up. No one picks up the phone. I 've ordered to review my credit report. The first 2 days they showed all three scores great ; however within my 14 day trial I have not been able to review anything other than the experien score. I tried calling no response so I tried cancelling and still no response. This is my last resort. I 'm still in the trial period so they should not charge me anything extra.
on XXXX/XXXX/2015, I contacted American Express and tried to resolve of issue. But I could n't american Express has pulled my credit report without my consent. This company has engaged in fraud and indentity theft. I did not give this company the right to pull my credit report. When I called the fraud department on XXXX/XXXX/2015, i was hanged up on phone, and it was almost like the rep, did n't want me to talk to the fraud department. What american express suppose to do is send me a fraud affavadit in the mail. but the company still refuses to so. American Express is asking for too much additional information, just to conver their end. They are also reporting accurate information on my credit report. This company is a scam. They wouldnt listen, so decided to file a compliant.
XXXX XXXX charged me a bill I did not owe. They also put XXXX separate charges but XXXX separate collection agencies on my credit report. After a few disputes XXXX was deleted. However the other remained. Both XXXX and the collection agency Enhanced Recovery keep passing the buck saying I owe this charge. Most recently I just received a noticed addressed to a former resident of my address with the same XXXX charge info. I had no knowledge of the prior resident I just happened to open the wet letter to see what it was in my mailbox.
I followed all the instructions from Equifax and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. 
Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you.

10 Ways to Avoid Fraud - http : //www.consumer.ftc.gov/articles/0060-10-ways-avoid-fraud The Florida Consumer Collection Practices laws, 559.55 to 559.785. 
This indicates to me there is some fraudulent activity from XXXX and Equifax. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. 

I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. 

A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit  XXXX 's Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. 

Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
I moved out of the apartment complex XXXX XXXX in XXXX of this year. They charged me XXXX when I moved out for termination fees. I paid the full amount of this on XX/XX/XXXX through their website. About a month and a half later, a collection agency contacts me saying I still owe this amount. I explained that it has already been paid to XXXX and also sent them a letter but they continue to call and send me bills threatening to damage my credit score if I don't pay. I need help dealing with these people.
My XXXX mortgage loan was issued on XXXX loan on XX/XX/XXXX for amount XXXX and on XX/XX/XXXX my loan trasfered to Nationstar mortgage now my balance is {$580000.00} and when I ask the customer service how my mortgage balance increased by {$120000.00} they said since its transferred from XXXX XXXX they have no idea and I would like the consumer protection bureau to investigate the matter
I was charged a monthly fee without my knowledge, for a service that I thought was free. I signed up for TransUnion after being directed there from XXXX, and I saw no disclosed charges. When I purchase a service I expect to be told up front about any cost that will be occurring, especially a regular monthly charge. After speaking with a representative, my service was cancelled and my {$19.00} charge for XX/XX/XXXX will be refunded. However, I want to be refunded the charges from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXas well, totalling {$59.00}. The customer service rep admitted that they could tell I hadn't used the service often, if at all. I was sneakily and dishonestly charged for a service I wasn't even using, and as such a total of XXXX was stolen from me. My name is XXXX XXXX and my phone number is XXXX. I spoke to a rep today, XX/XX/2018 around XXXX. I did not request from the rep to refund the additional months, as I did not know they existed until after I hung up and went back through my credit history. Therefore, this rep should not be blamed for not providing good service. After reading other reviews of similar things happening to other people with no satisfying results, I contacted TransUnion through some online messaging system, and immediately came to file a complaint due to my extreme dissatisfaction and digust.
Hello, I am writing this complain because Avant denied my application for a loan with them for the simple reason that they " couldn't verify my identity ''. This is the explanation they give me with no explanation on why they didn't request more documentation showing my identity. I feel they discriminated against me because of my name, ( XXXX ). I contact them several times to explain how come they didn't ask for more information but their customer support wasn't helpful at all. They only gave me two options, either wait for another 30 days to see what their resolution department will respond or re-apply for the loan. This is not acceptable. My resolution is for speak with real person about this situation. Their process and customer support is the worst I have experience in my life time.
In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of Equifax breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of Equifax breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that Equifax is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with Equifax and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after Equifax XXXX   and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
I was out XXXX for five year when this account was open proof of it on record Out XXXX from XXXX to XXXX XXXX records available
i applied for a loan of XXXX using XXXX property as collateral to citibank last year in oder to prevent the city from foreclosure on some tax lien on the properties and for some upgrading to it however the bank denied my application and has not provide me with explanation as to the reason. my credit is consider excellent above XXXX range. I was force to filed complaint in court but they have not care for my situation that at the moment am dealing with city attempt to foreclose on me cause cash situation. The case is pending in court for about a year and they have not change their position despite i being a gold category client of the bank.
and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent
I am disputing with Trans Union the following Unauthorized / Unknown collection account that showed up on my credit report. I am a previous victim of identity theft and already have an extended fraud alert placed on my Trans Union Credit report so there should be no excuse as to why this collection account unknowingly hit my report without my consent of proving the account belongs to me. This account reporting to my credit report go against the Fair Credit Reporting Act and is affecting my ability to hold a job and get approved for a home mortage. I have also reached out to the collection agency and have attached a filed Identify Theft Police Report to this compliant in order to get this issue resolved in a timely fashion. Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Collection Account : 1 ) XXXX   Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : 011 Months Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX
In  XXXX  I was notified by  BBVA Compass  about potentially fraudulent activity on my credit card account. I was sent a form to dispute those charges and I was issued a new card. In  XXXX  I received the statement reflecting all of the fraudulent charges, and a credit. My balance showed $  XXXX . In  XXXX  I received my statement that reflected a " purchase adjustment '' of {$780.00}. And, my balance showed a balance of {$220.00}. I called to get clarification. I was transferred multiple times, disconnected and then finally reached a customer service agent who seemed helpful. She was going to look into it and call me back. I never heard from her again. In  XXXX  I received my statement that reflected a late fee on top of the previous balance. I had n't used my card since  XXXX , keep in mind. I called again to get an explanation about the charges. Same drill. Transfer, hold, transfer, hold, hold. This time I held for nearly 1 hour! No one ever got back to me. I called back begging to speak with a supervisor so I could finally get an explanation and speak with someone in authority. I was promised a manager,  XXXX   XXXX  (? ) would give me a call back that day. Never heard from him. So I made a minimum payment to protect my credit. Most people, like myself, do n't have time to sit on hold, randomly get disconnected and talk to countless representatives that have no idea how to explain my statement.  XXXX  statement arrives now with more late fees attached. And, another " purchase adjustment '' of {$120.00}. I also received a collection notice and a separate notice that my account would be closed after a review of my credit account. Yet, it noted a  credit score  of  XXXX . Hardly a score worthy of closing accounts. Anyway, I have been desperately trying to get this resolved over the past few months. I FINALLY got an explanation 2 days ago, and the representative admitted that their system is very faulty and was inaccurately reporting credits to my account and adjustments that should have been reflected elsewhere under the old account number. Bottom line is that the they were rebilling me for purchases made in  XXXX  that were not disputed. These were legitimate charges. But no where on the statement was any indication of what they were tied to, nor was any representative helpful in explaining the situation. I 'm reaching out after feeling completely frustrated with no idea how else to get resolution. It is my understanding tha t BBVA Compass has now reported my late paym ents to the credit bureau. Believe me, I 'm happy to pay my bills when I understand them. But, seeing a " purchase adjustment '' without any explanation as to what I was being billed for is not acceptable. And, I was being proactive in calling a number of time to get more information. Now I 'm told the account will be closed. So all of my good credit history will be erased and I have a late payment reflected, too. How is this ok?
XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Since XX/XX/XXXX, I have been trying to have XXXX and Transunion to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. XXXX still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. XXXX per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
I have accounts with synchrony Lowes and Sam 's. I called synchrony bank beginning XX/XX/XXXX. I have been ill for over the past year and one half. I got a little behind on my payments and called to make arrangements. I began making payments with the arrangements in XX/XX/XXXX. I am very disappointed with Synchrony Bank. They have seemed to have put my account in collections. I am requesting that Synchrony work with me to pay them back. That is why I called in the first place. I tried to speak with a Customer Service Rep on XX/XX/XXXX to no avail. I called the following phone number XXXX to no avail. They said it is nothing they can do. I have XXXX accounts the account numbers are XXXX and XXXX. Sams and Lowes. I am willing to pay back what I owe. I need a opportunity to do so. I can not pay it back all a once. I am still having health issues that I am trying to work thru. I have been a customer with GE Capital for a long time. It seems ever since Synchrony Bank took over for GE Capital that I have been having problems with my accounts. I need to be able to pay back my dept. I think if you reach out to a company and you are having problems you should be able to work something out. I have been a long time GE Capital customer. I would like to be able to make payments on these XXXX accounts and set up a payment plan with Synchrony Bank and not some collection agency. I am very disappointed. I made first contact XX/XX/XXXX and again XX/XX/XXXX about my health problems. Synchrony Bank should work with me like GE Capital did. I would like for Synchrony to allow me to pay my dept. I have health problems and need time to pay them back. Not thru some collection agency, but thru Synchrony Bank directly. I need these accounts pulled from collections so that I may deal with Synchrony Bank
I requested an analysis on   XXXX   of my escrow account since my property was new construction when I closed in   XXXX   XXXX  . Since the property was new construction my taxes were set up using the tax amount on the unimproved value and not the improved value. I was told account analysis would be done in   XXXX   since my account has been with the servicer for less than a year. However, I was told on  XX/XX/XXXX  I could request an out-of-cycle analysis. On   XXXX   I requested the analysis and was told I had to wait until   XXXX   for my account to have an escrow analysis done. What benefit is there to me to wait until  XXXX  for my account to be analyzed and find out my payment is being increased and there is a shortage in my escrow account?
I filled Bankruptcy onXX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also Experian is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. Experian is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX  XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession
XX/XX/2009 I start my cleaning business and all the utilities under the name of my late husband. I have this advertising at yellow pages phone book cost of {$2500.00} and it happens my late husband died on XX/XX/2009. Everything is falling apart in my end, those time and this bills from XXXX XXXX XXXX phone book almost 9 years tell now sent me this bills every month, amount {$2800.00} and reference numbers XXXX. Its really ruin my credit score I cant have a big loans cuz hurting my credit score. Sincerely, XXXX
GM Financial chose to forgive a debt to settle CFPB Complaint XXXX. However, they are filling my credit report with a past due debt even though the debt was reported as forgiven to the IRS.
Someone claiming to be from BB & T responded to my complaint number  XXXX . I could not send online feedback because my consumer rights is threatened by error or related matters.  Time  is important. Attendance is a plus.
I have a contract with a guy whom has an account at PNC Bank, I 've been cashing my check here for over a year with my drivers license and pre-paid bank card. They are no longer cashing my check that 's on their back unless I have a major credit card? Or they said I can use a work Id I work for myself do n't have one, or a passport, it cost {$100.00} 's of dollars I do n't have that kind of money and lastly they said a car registration I do n't have a car. this is oppression to the poor, If I can ; t qualify for a major credit card how can I pay my bills? This should not be allowed because not everyone can qualify, if my drivers license and debit card is ok to drive and use my debit card everywhere major credit cards are accepted I do n't see how this is not an acceptable form of ID for PNC
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXXXXXXXXXX XXXX e-mail To : XXXX XXXX XXXX XXXX XXXX Ny XXXX Attn : Branch Manager XXXX XXXX XXXX Application has Account Routing #. She is charging For : Lost Credit Cards. I called XXXX to correct problem. I have statement she, s going to correct the problem.. Issue is XXXX XXXX XXXX Account only XXXX Order e-checks. They say, s pay For : Credit Cards out of the e-checks. I sent the money with permission by me as Customer at XXXX fees. {$25.00}. She should have in mail. XXXX XXXX excepted the tracking Form. For : XXXX XXXX. She say, s she did not receive Form. When walk in