WillisBack/dataset-financial-user-claim huggingface dataset:
We purchased a car from XXXX XXXX in XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX and received the loan from Wells Fargo. In early XX/XX/XXXX We received a letter from Wells Fargo Auto Finance stating that they are changing our bank loan and that it would have a different name, and would not affect our loan in anyway and that we did n't have to do anything. So we had no reason to be alerted because it was who had our loan. When our payment book was on its last payment in the book we were so excited, but when the payment was taken out each month after for some time I started asking questions. I cant remember exactly the date we paid it off, but in XX/XX/XXXX we went to buy our house and in going through the process we found out our credit report showed that we had refinanced our XXXX XXXX car loan when we had not. I called the company and the woman said I needed to file a complaint and to send it to a fax number she gave me. I did so but the fax number was a none working number. I continued to call and each time I did they 'd give me the number and each time same thing. 
We do not understand why we had to pay an extra year of payments or how we refinanced a car loan with out our knowledge or signature 's. 
Because of Wells Fargo doing this it dropped my credit score from a XXXX to a XXXX and cause so much hassle trying to get our home. 

XXXX XXXX XXXX
I have a VA loan through Stonegate Mortgage XXXX XXXX XXXX, I prefer to make my payments on the XXXX and the XXXX, it simply prevents me from using any of the money that needs to go into my mortgage and is a convenience for me. Stonegate has been taking my payments from the XXXX, placing it in a holding account and NEVER applying it to my mortgage. Then, they reported me to credit reporting agencies AND charged me a late fee, when I was actually early and paid them more than my actual mortgage.
American Express Fraud Department investigated and per my request closed the card ending in XXXX XX/XX/XXXX. 
American Express then drafted a letter of apology for me to send to XXXX & the other two credit reporting agencies that the XXXX account was a result of fraud & I was not responsible. ( I did mail that letter to XXXX, XXXX & the other credit reporting agency. 
Now 4 years later, the American Express account XXXX has some way been resurrected by American Express resulting in my receiving a request for payment on XX/XX/XXXX. 
I waited to see if American Express would see their fraud department letter sent in XX/XX/XXXX & cease the harassment but another request for payment on a resolved/closed fraud account has been ignored.
I had to take multiple payday loans and installment loans, five in total, to help out my family which was going through tough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX from my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXX and will continue to make payments until the entire loan has been paid off. Recently XXXX  and Equifax show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with Equifax they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.
There's an ongoing violation of RETALIATION of XXXX XXXX XXXX XXXX XXXX  USING MY XXXX XXXX UNAUTHORIZED THAT MY RIGHTS ARE FORFEIT AND MANIPULATE D
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX  wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Clear Spring Servicer my loan for XXXX XXXX at closing the balance due XXXX approximate and escrow amount XXXX approximate ( see attached ) Clear Spring online services allow you to see what is owe, escrow, tax and ( See Attached Payoff ) etc, The The approximate payoff would be XXXX returning the escrow money. XXXX XXXX said that the online services balance owe is a approximate. They changed pay off to XXXX approximate to pay XXXX XXXX XXXX me the borrower XXXX and there is no check in the mail. XXXX is the new lender so they paid the XXXX but the `` COUNTY '' still have XXXX XXXX as a lien on my property ( complaint will be made today on XXXX XXXX ) XXXX said that 's an issue to be resolved by Clear Spring ( case number complaint for XXXX XXXX ). I request XXXX to changed of Loan Servicer but was denied! Now my new lender to payoff XXXX request payoff and again Clear Spring changed the payoff from XXXX to XXXX, XXXX has a interest only loan but still waiting for signed closing documents and penalty for early payoff. Clear Spring charged owe interest and XXXX wo n't response to it correctness. Clear Spring owe me extra XXXX ) at closing totaling XXXX. And a paid account with XXXX XXXX still showing lien on my property. New lender Title company is trying to resolve the issue but XXXX XXXX and XXXX wo n't help or resolve the issue they both demand us to contact CLEAR SPRING.
I have a Bank of America credit card. On XXXX I made a payment for {$3200.00} on their online banking from my chase checking account. I checked back 24 hours later and it did not show on the BoA online account and it was now late so I thought it hadnt worked. I received no email or anything stating it went through. 

On XXXX I made another payment for {$3000.00} dollars under the misconception that the first payment didnt go through. 

On XXXX both payments posted putting my BofA balance at - {$2700.00}, so they now owed me money. 

On XXXX I called to notify BofA. The gentlemen I spoke with, XXXX assured me this would be corrected and said he had put in a expedite request and I should have the money back by XXXX. 

I called BofA Monday XXXX and spoke with another person who said XXXX was wrong and it could take up to 5 business days meaning it would come back XXXX. 

There was nothing I could do and without that money my checking account was overdrawn by over {$1000.00}. 

On XXXX I was told by BofA that the money was released. I called chase to find out when I could expect the money. 

XXXX told me to expect the money by XXXX the latest. 

It is now XXXX and I called chase and they told me it could take up to 14 business days ( 3 weeks!!! ) from when BofA released the money. 

This is absurd. I am now stuck waiting over a month and who knows if I will ever get this money. I feel ripped off and disgusted. Please help.
I would like to submit a complaint regarding Equifax. It has been well over 30 days and Equifax never investigated and did not send me results of the accounts and inaccurate information I disputed on my Equifax credit report. I mailed a written letter to dispute inaccurate and erroneous accounts and information being reported by Equifax on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Equifax credit report/file and requested an investigation by Equifax. The following information and accounts were disputed and investigation requested ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Equifax has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Equifax aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!
Company named City Management Group contacted my step-mother and then myself to try to collect a debt I do not owe. When I contact them with the reference number they provide they never disclosed it was a attempt to collect a debt, or had me verify my identify. Was told I owed money on a payday loan from XXXX 2013 however the address that they stated the loan was taken out under was not me residence at time and I had left that residence 2 year prior to " said loan ''. When I asked who the loan was through she said it was a payday loan but could not provide me with the company whom the loan was through. When I asked for copy of the loan document she told me she did n't not have access to them. 

This companies phone number is XXXX and I spoke with a XXXX XXXX. I did set up payment plans but when I realized this was scam I contacted my bank to cancel my card. 

Just wanted to make you all aware.
Fraudulent account- XXXX XXXX account number XXXX I tried contacting and submitting multiple disputes for this to be removed from my Equifax credit report because it is a fruadulent account reporting on my Equifax report XXXX found that out and removed it from my report as I provided an uploaded document but Equifax wont remove it when I tried their customer service would not help and take care of the negative account reporting to my credit report.
In   XXXX   XXXX     I paid a bill with my  XXXX  debit card at  XXXX   XXXX , Indiana and was charged a 7 % fee to have by them transfer the cash. I stated at the time I considered the fee excessive given that it was a no risk transaction. They stated that was the fee they were required to charge by their vendor.. I was also issued a card with the  PNC logo that was  a debit card that had aaproximatelly {$140.00} placed on it to reflect the cash I had deposited with  XXXX   XXXX . When I tried to remove the cas h via a PNC ATM I was informed I had a zero balance. I spoke to a PNC employee and he informed me the cash balance would be transfered back to the card. When tried to remove the funds again i was informed I had an insufficient balance by the PNC ATM.    .   I called the number on the back of the  PNC issue d debit card (  XXXX  ) and it connected me to a representative at   XXXX   XXXX   XXXX    .  The employee informed me there was a fee for obtaining my balance at the ATM and there would be an additional fee beyond the ATM fee from   XXXX   XXXX   XXXX   that was prohibiting me from removal of the cash balance presented to me by the  PNC ATM.    The 7 % fee imposed to transfer cash is the first time any additional fee has been directly charged when using my  XXXX  ATM. The fees to access my balance and to retreive my own funds beyond the ATM fee is unwarranted and excessive.     i want the fee arrangement between  XXXX   XXXX  Indiana,  PNC a nd  XXXX   XXXX   XXXX  investigated and I want my funds returned without the charged fees to access and retrieve my own cash..
Early on the morning of XXXX I received an email alert from XXXX  indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.
I am delinquent on XXXX credit cards with US Bank. My only source of income is direct deposit to my US Bank checking acct. of Social Security. I am paying what I can each month after I pay my mortgage and utilities. US Bank has me on their " dialer service '' for both my home and cell phone. From XXXX thru XXXX they called me from XXXX letting it ring twice ( 14 times ) & then hang up. On XXXX, I called and spoke with XXXX and she advised she would take me off the " dialer service '' and have a supervisor call me on or about XXXX. I advised I was scheduled for XXXX on XXXX. Admission and discharge charge records are available if needed as proof. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my home phone. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my cell phone. I want these harassing calls to stop. I am aware of my debt and will continue to make payments on these credit cards. Their constant calls serve no purpose other than harassment in my opinion. If there is n't a law against this type of harassment ... there should be.
EXPERIAN IS REPORTING A NEGATIVE AND FRAUDULENT ACCOUNT THAT DOESNT BELONG TO ME ON MY CREDIT FILE THEY PREVIOSULY REMOED THIS INCORRECT DATA AND NOW IT IS REAPPEARING THIS DOES NOT BELONG TO ME AND I HAVE SENT THEM ALL DOCUMENTATION AND POLICE REPORTS TO HAVE THIS REMOVED AND NOW THEY WILL NOT REPLY OR ASSIT TO CORRECT THIS SERIOUS MATTER. THIS ACCOUNT AND BALANCE DOES NOT BELONG TO ME
On XX/XX/2018 I spoke with XXXX XXXX XXXX in regards to a collection account they were handling for XXXX XXXX. The representative said they would accept {$220.00} as payment in full, I paid the {$220.00} over the phone and it has been taken from my account. They are still reporting that I owe the remaining balance of {$110.00} to all 3 credit bureaus and will not report this as paid in full.
I am to pay on the XXXX of every month to Credit Acceptance, there is no grace period so on the XXXX and up until I pay my payment they call me at least 7 times a day starting from XXXX Est. time till sometimes XXXX. When I fell 2 months behind maybe close to 3 which I do n't know they do n't send no kind of statements or no paperwork of any kind out about the loan the came and repossessed my vehicle. I made arrangements to pay on it to get it out and an amount of {$510.00} on the XXXX of the next month well I tried to explain to them before I okay that arrangement I only get paid twice a month so my first check go to my rent and utilities I can pay on the XXXX but they would n't go for it, so before the XXXX came I called and said I will be late and told them I will have it paid on the XXXX they were like ok thanks for calling us this is breaking your agreement but we will note it. The XXXX come and they started calling my phone again up to 7 times or more a day. I think that is outrageous and I have asked them to please stop calling so much where I work I ca n't answer my phone to leave a message and they wo n't I gave them my Fianc number but they wo n't call her either. Can you help me with this harassment?
Santander Bank 's lack of transparency and customer service is detrimental to the consumer. Specifically, the information provided on my money market account lacked accuracy and timeliness. The interest rate, which I understand can be changed at anytime, is not communicated until the monthly statement is released and in this instance it was incorrect. As such, the first communication of the rate appears on the monthly statement. Since I am able to calculate daily interest rates myself, I monitor the account on a regular basis. From XXXX XXXX to XXXX XXXX, I noted a change in the interest rate. I phoned the branch and they told me the rate was reduced XXXX % ( from 1.25 % to .75 % ). They could not tell me the actual date. That same afternoon, I phoned their customer service. I spoke with XXXX XXXX, who told me the statement was produced on XXXX XXXX but was not yet available online. He expected it the next day and agreed to call me the next morning. On XXXX XXXX, when I did not hear from XXXX XXXX, I telephoned the service center and spoke with XXXX XXXX. She told me the statement was produced and the rate appearing on it was 1.25 % ( how could this be if the rate had been changed to .75 %? ). XXXX XXXX, during our conversation, told me she was having a problem with her computer and would call me back in five minutes. She never called back. Several hours later, I called the branch ( XXXX XXXX XXXX ), expressing my anger and disappointment and stating I needed to hear from someone in authority at the executive offices. I have not. Bottom line, one would be over one month in arrears in knowing actually what they are earning on their funds. This is good for the bank but unfair to the customer. Santander should update the account website with the interest rate being earned. They already show a vast amount of other pertinent data. One could conclude they do not want the customer to know.
On   XXXX   XXXX    2017 I no ticed my credit went from  XXXX  to  XXXX  with   XXXX   and from  XXXX  to  XXXX  with  XXXX  credit reporting agency. This is eroneous reporting coaused by  Capital One credit card. Capital one was erroneously   reporting that I was using between  12  and 29 % percent of my credit for the month of may. I only actually used 8 %. I spoke to Supervisor  XXXX  from  Capital one o n Sunday   XXXX   XXXX   , 2017. I as ked her to send a notification to the  XXXX  credit buruea reporting agencies. She stated that she would but I never received any email confirmation of this. Capital one created this mistake with the credit buruaes knocking my crddit down. I need this fixed ASAP as I am in the process of fianancing a Town home awaiting approval for a VA home loan. The mistake with capital  one occurred when they credited back my account for   {$200.00}, but wrongfully put this credit as a debit on my credit limit. Subtracting the the amount from my credit l ; imit instead of addin g to it. Total INCOMPETENCE!
on XX/XX/2018i was sent a card WITH MY FULL NAME EMBOSSED ON IT. i did not request this card, apply, or in any way have EVER done ANY bussiness with this company. i could not get to talk to an agent as their phone system asks for my social security number before putting me through a rep and i am not giving them my social