WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint was closed as a duplicate. It is not a duplicate. This is a complaint of fraudulent charges made in my name by XXXX XXXX XXXX. My complaint against them was originally referred to the FTC by the CFPB and was never responded to. The debt was then purchased by XXXX XXXX XXXX. XXXX is a property management company. XXXX XXXX was the name of the apartments. The original amount was {$1500.00}. They added a recent unknown balance. Now the new balance is {$2000.00}. They provide no explanation for where this new charge of {$500.00} comes from. I do not see how this meets the requirement of the Fair Credit Reporting Act. I do not see why it is not being recognized as identity theft. Charges trumped-up in my name. Both XXXX  and XXXX   have recognized the account to be fraudulent and have removed the account. XXXX  continues to report this fraudulent account. I have an ongoing complaint with CFPB against XXXX  about the inaccurate reporting. XXXX XXXX   never provided any evidence of these charges or where they came from. I was sent a simple letter by the company listing many fraudulent charges in the amount in question. They claimed they were damages that did not exist. They provided no photographic evidence. This company has had several reviews of the same problem occurring. I was offered no recourse in protesting the charges. The item was placed on my credit report before I knew what happened. I have had trouble removing this fraudulent account ever since. It has changed collection agencies twice so I can not sustain a complaint. It was last Credit Bureau Associates. I have also been unable to obtain suitable housing because of this fraudulent property lien placed on my credit report. I am including the information for XXXX  as well as XXXX XXXX XXXX. Please investigate this matter thoroughly. Do not close it off as a duplicate. I asked that this matter be reinvestigated thoroughly. I will not file a duplicate complaint. This matter must be resolved. I'm on SSI. I'm unable to pay this amount. I am in danger of becoming homeless. I'm a veteran of the XXXX XXXX. If the matter is not resolved in this complaint my only recourse will be to bring civil action and contact my State 's Attorney General 's office. I would appreciate any help. Thanks so much. I attached copies of the letter to my last complaint that was marked as duplicate. I can no longer upload those documents. Please locate and review them.
My credit card bill is due every month on the  XXXX  day. I pay my bill every month on the due date. According to Chase if I pay my bill on the  XXXX  but it is after  XXXX   Eastern Standard Time i t is considered late and they charge me interest and a late fee. I have to call every month to try to get those charges reversed. I feel I am getting punished for paying my bill on time.
On XX/XX/2018 at XXXX, I received a call from Sallie Mae . The phone number was XXXX XXXX XXXX. The called me several times. I answered the phone and reminded them that it is illegal to contact me at this time of night. I am being harassed by this company. I do not owe on this debt, it is not mine. I have stated this many times. I have requested a copy of my signature showing proof. They have provided me only with a statement. I NEVER sign documents online, which is what they are claiming. This is not my debt and this company is harassing me by calling me at XXXX.
My XXXX card balance is paid in full monthly by autopay. A charge reversal resulted in XXXX showing a credit on my XXXX, XXXX statement. 

The XXXX and XXXX statements charged me interest both months for charges dating back to the timeframe during which XXXX showed a credit. 

They have told me it will take several months of these interest charges to catch back up, despite the autopay feature being for paying the statement balance in full. 

For {$75.00} interest, they lost a {$99.00} annual card payment and the monthly merchant fees on several XXXX dollars in charges.
I took out a payday loan from XXXX, paid regularly until i got behind, the debt went to a collection agency, i paid the amount in full, i paid a total of {$810.00} on a {$300.00} loan in 2013, have the receipts, if anything they owe me money. For the last 3 years, several agencies representing XXXX have threatened arrests and lawsuits, the last collection agency was weinman acquisition, this agency stated they were a county tax office trying to deliver or fax documents, i called XXXX, the representative never identified it was a collection agency or stated this was an attempt to collect a debt, look up some info on the internet apparently this company makes these illegal calls regularly, they left a message on my phone which i have saved for my records
In XX/XX/2013 my wife and I went to the local Wells Fargo bank to open a checking account after moving back into the area.After going thru the registration process with the checking acc., the young lady representing the bank mentioned their crediet card set up and its benefits, one of which was overdraft protection and a 0 % promotion rate. We agreed to add that on mainly for the overdraft protection. As i mentioned we had moved back to the area after purchasing my parents home. this was done 3 months prior to the Wells Fargo bank visit.It should be noted that we purchased the home with a 15 yr. fixed mortgage at 2.62 %. My wife handles all the bill paying online. About 5 months after initial checking sign up, my wife developed health issues ( on XXXX now ) and our focus was somewhat divided. It was not till the following XXXX that I opened a billing from Wells Fargo and noticed that we were being charged 26 % interest on our credit card. My credit score during this time span has been in the XXXX-XXXX range.Over the last cpl. yrs I have contacted numerous departments, talked to different levels of employee ranks and have never been able to get a clear or definitive answer as to why a rate that high was applied to our account.I have asked what criteria was used to determine rate, again no clear cut responce. I also have another credit card ( XXXX XXXX ) with a rate half the Wells Fargo rate.After reading all the articles over the last 6-9 months regarding Wells Fargo banks practices I decided to file this complaint to hopefully get some action on this matter. 

Thank You, XXXX P.S. I have asked them to lower the rate to the level it should be each time without any results
I had a problem with XXXX/XXXX XXXX Reporting. 
I filed a complaint and have been dealing with XXXX XXXX a Senior Specialist with XXXX XXXX XXXX. ( XXXX ) XXXX. 
Several weeks ago she told me the wrong reporting to the three Credit Bureaus showing I owed a balance greater than my credit limit, would be fixed on XXXX/2017. 
I spent 3 hours on the phone with XXXX XX/X/2017 reviewing items already returned as delivered defective which I should have a store credit on to totaling close to my credit limit. I contacted XXXX XXXX to timely pay my balance off so it would properly report, they refused, so I contacted XXXX XXXX to correct this an my multiple calls have not been returned.
I submitted a payment online through my XXXX ACH. I was told by my bank the payment would post on or before XXXX/XXXX/2016. But instead the company Tidewater finance posted the payment on XXXX/XXXX/2016. By Tuesday XXXX/XXXX/2016 the payment should withdrawn from my account and sent the the company. However due to no fault of my own Tidewater could not locate the payment. I had to go to my bank to see if the acutally sent it which they did because they can see it drawn from my account. This took Tidewater 2-days to locate the payment and they posted to my account. The payment posted on XXXX/XXXX/2016 due to Tidewater. Which made my payment post on the XXXX day instead of the XXXX. When I contacted tidewater to change the payment date to XXXX/XXXX/2016 they said I would need to contact my bank as it was their error. This was not the case this was completely the error of Tidewater finance. I was told by Tidewater they could n't locate the payment till after XXXX which caused it to post on XXXX/XXXX/2016. That is unacceptable to me considering the payment was received in the an adequate amount of time. Tidewater should not have the liberty to post payments when they feel like it. If the payment was received on XXXX/XXXX/2016 or XXXX/XXXX/2016 before or after XXXX it should be considered received on that day. The 31-day late will have a teremendous negative impact on my credit if this issue is not resolved immediately.
Eastern account systems did not disclose that they were a debt collector they called my husband and stated that they were charter cable and for him to make a false statement. I have a false report from charter on my credit report and have been fighting this for a few years now trying to get them to remove it. They got him to set up payments thinking that he was paying for out cable TV I have now been calling them for a week now with no response from them and they continue to draft my bank account. They are not disclosing themselves as a debt collector they only stressed that they were from charter. They have now taken over XXXX from my bank account in less than 2 weeks this is ludicrous and I want my money back and for them to remove my credit bureau report that is false since I have never had them up until a few months ago. Please help me thanks.
I disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.
Nissan Motor Acceptance is trying to charge me for them having to hire a company to repo my vehicle which was n't done due to me paying off the balance that I was instructed to pay. Now a month later I get my bill and it have a miscellaneous charge of XXXX which they 're saying that I am deemed liable for according to my contact which I have read and it does n't state that anywhere on my paperwork. They put my vehicle up for repossession even after I spoke with a supervisor name XXXX and I told him what date I was going to have my full payment that would bring my account up to date. I was told one amount and since I paid the amount I was told that I paid the wrong amount that did n't include my late fees.
Someone made several puchases in the back of my morning coffee in a local gas station On the run. XXXX? I noticed it on my banking repoRonnettart. Credit report company XXXX credit monitering. A PNC employee contacted me on an odd line. Credit and XXXX othe companies.
On XX/XX/XXXX I paid my mortgage to SLS online as I usually do but paid a minimal amount thinking I was at another account site. I immediately realized what I had done and went back to the SLS site and paid an amount that would make it so I had paid a full mortgage amount. 

When I looked at my banking account SLS had taken the larger amount that I paid ( to balance out the first payment ) and then also took a full mortgage payment out of my account. When I called and asked how did they get into my account to take the mortgage payment ( I have signed no authorization for access to my account ) they stated I had made the payment - which is not so. They immediately offered to return the larger payment ( the payment I made to balance out the first and make a full payment ) ; they never mentioned the first payment I made and it did not come out of my account. The representative I spoke to said the payment would be mailed out XX/XX/XXXX. 

I called back when I realized I had not gotten a confirmation number or reference number for the reimbursement of my money only to be told by the SLS representative that they do not give confirmation numbers or reference numbers for tracking interactions ( this I consider a problem and a way to not acknowledge issues ). What this representative did give me was the " teller '' number of the first person I spoke to - number XXXX. But this representative gave me XX/XX/XXXX ( not 11 like the first person said ) for the return of my money. 

XX/XX/XXXX not trusting the integrity of this company and especially after finding there were 782 complaints against them at your site, I called to verify the check had been mailed out. Now I was told by a representative ( XXXX ) the check would not be mailed until XX/XX/XXXX. This transaction of theirs has cost me ck fee because it caused an overdraft of my account. I not only want my money returned but I also want the check fees that were charged to me because of this. 

I do not understand how this company can have so many complaints and still exist. There are many complaints online but I don't know if these people know the correct channels to file a complaint. I believe if they did you would receive many, many more.
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX2018 Account Closed on XX/XX/2018 Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
I have CITI credit card since XX/XX/2017 and I've been on good standing by using it since I opened it ... it was my main card and I was using it a lot because I had an offer for no APR for 9 months and % 3 cashback and I was shocked before a couple days ago while I tried to make a purchase and it didn't go thru and i called the creditor and they told me that my card has been closed for delinquency!!!!! and they took my reward and refused to give it back to me ... i disagreed this over and over but no solution
I had a balance on my account. I paid it off in full.Twice in one month. I ran my card up XXXX, paid it off. ran it up again XXXX, paid it off. However, I still got interest. Now, the statement says, if paid off before the due date no interest accrued. However, I still received an interest charge.
Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.
I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account
There are 2 parts to this complaint. 1 ) After viewing my credit report and credit score through a service that allows me to see all 3 credit bureau information on my credit file I noticed that only Trans Union has old outdated information and does not update the account balances in a timely manner as the other 2 credit bureaus do. The information is outdated and adversely affects my credit score with Trans Union. Which leads me to 2 ) When I attempted to contact Trans Union about this I am directed to do so online. I attempted to contact Trans Union online on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After going through Trans Union 's process of identity verification on their website I am told that I can not submit a dispute online even though I am logged into my Trans Union account that shows all of my personal data. I am being denied access to submitting an online dispute and communication which is what I was requested to do in the first place. I attempted to call Trans Union by phone but I am never able to reach a person, everything is automated and I am never able to speak to someone about resolving my issue. Just the fact that there is no way to speak to a human being should be illegal. I want to be given access to my information on Trans Union 's website and I want to have the ability to submit a dispute online. I also want a phone number that will give me access to a human being that I can speak to about any issues I may have about this subject, and any other concerns that I may have about my credit report and score through Trans Union. I do not have this issue with either XXXX or XXXX.
I disputed incorrect judgement information on my credit report twice and submitted paperwork showing that those XXXX judgements are NOT money judgements. They have them listed as if they are money judgements. I spoke to customer service as well and submitted paper work and when through a dispute twice already. I spoke to the court myself and they said those are reported incorrectly and a money judgement was never obtained from the creditor. I never had a money judgement at all. Those were possession judgements. The other XXXX credit reporting agencies took them off immediately but Equifax wo n't even listen. You can see there was no money judgement if you look on number XXXX on both pages. it 's checked and clearly shows there was never a money judgement.
I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I lost my job 4 months ago and started receiving Unemployment Benefits last month. I fell behind on my monthly car loan by 3 months. I made a small payment on my car loan this past week in order to try and catch up on my loan. However, Nissan Motors, the loan holder, repossessed my vehicle this morning. I gave them a call and they let me know that I owed 3 months of payment totaling {$770.00}, however, they are also charging me a ridiculously high repossession fee of {$400.00}. They are letting me know that if the {$1200.00} is not payed within 10 days, they will auction off my vehicle and I owe them whatever balance remains after sale. I am more than willing to pay the {$770.00} I owe on my loan payments, however, this extra {$400.00} repo fee they are unnecessarily charging me is going to make it impossible for me to afford getting my car back. I have a few job interviews coming up soon, and I ca n't get to them without my car. I 'm now stuck without a car and without a chance to get reemployed.
When I saw my billing statement, I was startled! My payment due was XXXX/XXXX/2017. The statement said my payment was paid on XXXX/XXXX/2017. On XXXX/XXXX/17 a late fee of {$39.00} was assessed.
The payment due date fluctuates by a few days with this credit card. I originally had my payments set up on auto bill pay. When this happened before I called and spoke with them to see why my payment had tripled. I was told that I needed to set my account up with auto pay through their auto billing. They mailed me the paperwork to fill out and I sent it back so that my payments would come out automatically. Once again I was charged a late fee and my payment went up.
XXXX/ BANK OF AMERICA # XXXX. The account is closed but it keeps appearing on my report. It also arrears multiple times.
I was approved for a Home Affordable Unemployment Plan ( HAUP ) with my service provider, Bayview Loan Servicing for 6 months. In the meantime I also requested a loan modification to reduce my mortgage payments. I was told that while my modification would be in review to keep paying the reduced mortgage payments under the HAUP plan. I was denied the modification and was then told that the HAUP agreement was no longer in effect as a result of the modification being denied. I was never told that the HAUP would be cancelled if I did not get the modification I requested. I continued to send in the " reduced '' payments under the HAUP agreement as I 'm still unemployed. I have been charged late fees on my account when I am not late on my payments, my monthly statements are never accurate and I continue to get calls every month regarding the same issues of " nonpayment '' on my account when I make the payments on time every month.
I discovered this charge off on my credit report as bad debit. I attempted to contact the company about the charge off amount on my credit report that is inaccurate. I explained to the debit collector that not only was I not aware of this charge off being placed on my account but I the amount of debit is completely inaccurate.
XX/XX/XXXX they took a payment out my account where they stated that my payments would be reduced to XXXX dolllars XX/XX/XXXX I called navient and they said that customer service got the payments wrong and the payment would be increased XXXX. 

They have gotten payments wrong on several occasions between XXXX and XXXX.
Called Equifax to inquire about hack.
Was lead to website which would not accept my SS #.
Was told there was a problem and was disconnected.
Called back and have been on wait for almost 60 minutes now, still waiting!
I wanted to freeze my credit report and am not capable using telephonic and internet attempts. Please freeze all my credit as all my personal information has been provided to hackers by Equifax.
XXXX routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. XXXX has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to ave my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.
I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XXXX XXXX XXXX XXXX or XXXX XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.