WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I was contacted by Coast Professional stating that my student loans had been turned over to them to collect the debt. After telling them that I could not afford the payments they wanted me to pay I was told that they could see about lowering it. After several attempts of complying with what they wanted/required, I was not successful at getting help. It was left at them attempting to find some other way to help and being told that they would contact me when they did. 9 months went by and I was not contacted once by any representative of their company. In XX/XX/2018 I recieved notice that my wages were going to be garnished. I immediately call their company to try to figure out something else since I already live paycheck to paycheck. I was told that they were not able to stop the garnishment, but that I could apply for a lower payment to be made each month in addition to the garnishment. After figuring out how much the additional payment would be, I agreed to continue with the process because I was informed that if I made 5 payments they would stop garnishing my checks. That was in late XX/XX/XXXX. Each time I call in and speak with a representative i am told a different story and that there are different things that are required. I have sent in everything that they have asked and am being told that some of the paperwork was denied because of how it was printed off, which was not in my control. Not only do I talk to different people each time and am told different things, but I have asked them to not call me during the day since I am working, but after being told that they would make note of it and not call during the day, I still receive calls. I have been told that they do not leave voicemails and that they are not able to email outside of the office when I have asked for them to send me something via email, which makes communication with them more difficult given my schedule. Part of the repayment plan is that they needed to know how much we spend in living expenses each month, and when I attempted to update them on the price of our rent being raised I was told that it didnt matter because I was already at the lowest payment. I understand that the payment may be at the lowest, however I would like for the information to be correct. I feel as though they company and representatives of that company do not know what they are doing as far as their policies and paperwork that is needed. I also feel that it is very wrong of them to garnish my wages without any notice or communication for 9 months. I am not denying that I owe the student loan debt, but I do not believe that it warrants this company garnishing my wages. It has put a huge financial hardship on my husband and I because we do not receive any government assistance and there are times when it comes down to paying a bill to sustain living in our home or buying groceries. We have already cut our expenses and not sure how else to lower our bills to afford the garnishment.
I had written a check on  X/XX/2017    an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call  TRS Recover  Services to get further information.     Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time  (  X/X/2017  ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on  X/XX/2017   . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.
I had child support payments due from 25 years ago while I was in XXXX. While in XXXX my business went into bankruptcy. The state of XXXX worked with me on the payments but the state of XXXX did n't. I have been paying the state of XXXX XXXX a month for over 10 years now but they are still reporting a XXXX collection on my credit report. Its actually getting larger rather then smaller with each payment. No one will work with me when I communicate this to them and I do n't know where else to turn.
Description of Complaint : MY MOM, XXXX XXXX XXXX, HAD A CAR, A XXXX XXXX XXXX, THAT WAS FINANCED THROUGH XXXX XXXX. I WAS MAKING THE PAYMENTS. MY MOM WENT INTO THE XXXX XXXX IN XX/XX/XXXX. XXXX XXXX CLAIMED SHE DID NOT HAVE CREDIT LIFE INSURANCE. THAT WAS A LIE. MY MOTHER PASSED AWAY ON XX/XX/XXXX AT XXXX XXXX IN THE MORNING. XXXX XXXX REPOSSESSED THE CAR AFTER HER DEATH. THE CAR SHOULD HAVE BEEN PAID OFF AND GIVEN TO THE BENEFICIARY. I AM THE BENEFICIARY. THEY NEVER ONCE CONTACTED ME AFTER REPOSSESSING THE CAR. I WAS UNABLE TO CONTACT THEM. THEY NEED TO SEND ME THE CAR OR PAY ME THE DIFFERENCE OF {$20000.00}.
Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
The credit Reporting Agencies have not updated my credit report after XXXX XXXX corrected a hard inquiry that was on my report. This was in error. So need Transunion XXXX and XXXX  to update their records to reflect the correct information.
XXXX charged my credit card twice in one month. I submitted proof of this to Capital One. On or around XX/XX/2017 acceptance now charged my card twice for a monthly payment on a credit account. I contacted Capital One and told them of the issue. Today, Captial one informed me that they were allowing the transaction to be rebilled to my account. The payment amount is {$150.00}
In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
I refinanced with my existing mortgage company, loancare/XXXX XXXX. While processing over to my new refinance rate, they reported I was not current on my mortgage and subsequently, my credit was affected. I have asked them to correct the error but they have not nor have they emailed or mailed a letter to me to let me know what they are doing to resolve. 

I have since switched to a new company but would like loan care to resolve their error on my credit report.
I have requested multiple times that this company provide proof of my authorization to inquire on my credit. I do not recall applying for credit with Chase Auto Finance. I did not authorize anyone employed by this company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
I 've been paying into my student loans for the past 5 years, always on time, and under the assumption my loans would be forgiven after 10 years in public service. Direct loans consolidated my loans and was told I was in public service when they placed me under the wrong repayment plan. They said I was good to go. I called Navient in XXXX 2016, and they informed me I had been paying the minimum payment on a 20 year repayment program and that it did not qualify for the 10 year forgiveness program. They also informed me that I could n't use any of those years of paying towards the 10 year forgiveness. I called Direct Loans after that and they had no clue that I had to be under a 10 year repayment program. It 's my understanding that direct loans and navient are contracted through the department of education. Perhaps in the future all these student loan groups could do a better job with sharing information to ensure those of us who work hard to help our communities are not mislead. It literally makes me sick to think that A. I trusted the wrong person to ensure I was in the program, and B. That had I of known I was n't in the program, I could 've paid more to reduce the cost of the interest with these loans.
XXXX XXXX XXXX  appeared on my credit report attempting to collect {$140.00} dollars from me. The account states it was from " XXXX XXXX ''. I had received no paperwork or notifications of this debt. And was never given an opportunity to dispute it. I filed a dispute with all 3 major credit bureaus, 1 of which has cleared it from my credit report. I wanted to file a complaint to get this false collection removed.
This complaint is in reference to the XXXX XXXX Account Number : XXXX entry listed on my Transunion report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account is in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
I have been trying to clear errors on my credit report starting XXXX XXXX until now. Recently Equifax inadvertently changed my address to reflect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I had in the past months sent them a copy of my ID and my utility bill but they changed it to reflect something incorrect. Secondly, there were several items removed off my credit report in the past months, On XXXX XXXX, XXXX the items were not listed on my credit report, on XXXX XXXX XXXX I refreshed my credit report and they had readied the errors back on my credit report without sending the reinsert letter which is a clear violation of the FCRA, FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

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 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. 

Here are the accounts added on my credit report without sending the reinsert letter XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX - {$45.00} XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX - {$78.00} XXXX XXXX {$54.00}
In reviewing my most recent EQUIFAX report, I noted " hard inquiries '' were made into it by XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX on XXXX/XXXX/XXXX. As all three were to have been done as " soft '' inquiries, I want EQUIFAX to delete them ASAP as required by Federal Consumer law. I have asked REPEATEDLY for this to be done and have had no resolution.
Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what
CRA Violation- noty mine accounts are inaccurate PO report XXXX No knowledge
Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.
I Deposited XXXX checks at a TCF Bank that I received from a online casino. ( Winnings ) They said it would need to clear casino account before I could withdraw any funds, understandable I said. Total of XXXX chks {$6000.00} I checked with the bank XXXX XXXX later and checks were good, no problem. 
Another time I took a larger check ( cashiers ) for {$12000.00} from a online casino. ( winnings ) they said I had to pay them {$120.00} to get verified & same wait to clear!! I questioned it but they insisted so I paid the fee, checked XXXX XXXX later the bank said the check was a fraud. 
I never withdrew any funds nor did I receive the check back either, now I see they reported on my credit ( XXXX XXXX ) record as a bad check!!!!!
Person by the name of XXXX XXXX has consistenly called my place of work asking to contact me ( XXXX XXXX ) on an urgent message, even though I told them I do not wished to be called further, as has my work 's receptionist. They continue to call even after I have told them I do n't know what they are talking about, and to call ( XXXX ) XXXX. The number varies from time to time, as does the company.
Wells Fargo refuses to remove incorrect information from an XXXX report. We are attempting to get a home equity loan and the XXXX report shows a mortgage under my name with my social security number This mortgage was closed in 2015. Wells Fargo says its our problem to solve because they cant find the account in their records. Wells Fargo did not remove the mortgage from the XXXX  report This is holding up a home equity loan we are processing with our credit union
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX the above company name showed up on my credit report. I don not Have any Account with such company.
I was notified this morning by XXXX which I am subscribed there was a credit alert posted on XXXX/XXXX/16. I logged in to XXXX XXXX XXXX XXXX had pulled a copy of my credit report as result of loan or credit application - see below : Inquiry - XXXX XXXX XXXX, 2016 XXXX obtained a copy of your TRANSUNION Credit Report. 
Alert Type : New Inquiry Found On : XXXX XXXX, 2016 New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, 2016 Source TRANSUNION Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, MD XXXX Activity Company XXXX I never applied for a credit or loan with this company and need to find out how this can be removed as they were not authorized to obtain my credit report.
After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX never late US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XX/XX/XXXX not mine
Charged high interest even thought it was not discussed in my loan agreement. Would not verify my bank account for XXXX payments and tried to make an illegal XXXX way call with my bank to verify. Told me to act like they werent on the line while they did it.
I have made multiple attempts to get my lost card replaced. Every time I a called in. I was told they just sent it. And every time I called they said this time well send a new card and I should receive it within 24-48 hours. I call once a week and still no card. 
I am always told that they assure me that it will be sent and the previous person didnt sent it via fast mail or via XXXX. Its been close to a month without my one and only credit card. 
As a XXXX person I cant just get up and go get cash. I have limited funds till I get my SS check also.
I sent Chase bank a certified letter XXXX XXXX stating that I want a disclosure pamphlet of there policy that you are allowed to make a when there is a discrepancy with your mortgage account.. I asked that it be sent and call me when its sent off. Including a tracking number. It is my right to them. It is a federal law. They are not providing them to me.
I paid off account over a month ago and have asked the company to update my credit report. When I file a dispute with the balance with the credit bureau, the company keeps stating that the balance is correct. The balance is XXXX. They will not report that this account is paid off. I told that I need this done for other financial reason. Company will not assist me with this. I asked when I paid off when will this be reported. I was told at the end of the month. The end of XXXX has passed and it is almost the end of XXXX and the company has still not updated my credit report. It only took two weeks for them to report that I had a loan with them but they take their time in reporting that the loan has been paid off. I need this off my debt ratio.
My XXXX bank credit card was closed on early this year because I was not making my payments. I contacted XXXX bank through letters stating that I was going through a financial hardship and they still closed my account as well as keeping XXXX late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX bank since XXXX. For them to close my account and not waive my 2 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Navy Federal Why don't you want to work this matter out? I have paid you the entire collections amount and them some. All I want is an understanding of what type of interest you are charging me. I totally get the 12 % annum but I need the break down because this debt balance is way to high. What is the daily interest compared to the yearly and if its the same please provide break down and a copy of the NFCU policy on adding interest? Please provide policy on how defaulted interest is applied when payments are less than original agreed upon payments. Please provide policy on when an account is charged off why don't NFCU send monthly invoices when you still have the defaulted account on your records. Your Attorney is very unreasonable and they don't respond to my questions when asked and in the past neither have you for what ever reason. I want to get pass this once and for all.
I have om going disputed with Experian cresdit monitoring since XX/XX/XXXX, about company call XXXX XXXX XXXX this is Number XXXX. This finance services work with XXXX ; this company do not have license to operate since XX/XX/XXXX. I got proof letter from XXXX XXXX XXXX XXXX CA department of consumer affair. My case number XXXX and this there phone number XXXX have got a lot of denied credit because of this. The credit bureau taking side XXXX. 
Sent from my iPhone