WillisBack/dataset-financial-user-claim huggingface dataset:
this company obtained my personal information without my consent and is reporting on my credit report for a debt of {$140.00} that I do not owe them. they are also violating the HIPPA law
I paid a merchant for an item I never received. The online merchant was XXXX / XXXX aka XXXX. I had to dispute this transaction with the company that handles the XXXX gift card, Blackhawk Networks. I have faxed them twice and called them 3-4 times and they have not yet assisted me. It has been 90 days since their letter and they have not yet resolved my dispute and can not even tell me if they received the documentation that I sent to them. All of this info will be included in the attachment that I am uploading.
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE. 
2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU. 
( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
I had my identity stolen and several Credit Cards opened in my name. XXXX of those was a Kohls card. I called and talked to a person at the fraud department at Kohls and explained what happened. I filled out all the paper work and was told they would investigate and it would be cleared up. This account was opened in a city over 10 hours away from me in a store, by a person with a fake ID of me. They told me it was clear I had not opened this account and that it would be cleared up. However the account was never removed and is now delinquent.
I filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification
FedLoan lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.
I was contacted by American Education Services on XXXX consecutive days before XXXX. The XXXX day was contacted at XXXX and the XXXX day at XXXX XXXX. I called back on the XXXX day and talked XXXX guy that was rude and was stating well thatis what happens when you are delinquent. I asked to talk to a supervisor who was equally not helpfuul and was telling me that they are in Pennsylvania and they are XXXX hours ahead of my local time. So she said they had no control over the automated calls.
I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.
I 'm a victim of debt collector abuse. XXXX XXXX uses unlawful tactics to manipulate consumers in paying a debt that is inaccurate. The harassing phone calls, letters, and figures that daisy on my credit report. I 've tried multiple times to dispute the monies due for {$580.00}. I 've contacted this company and even tried to negotiate a settlement or pay in full to have this debt deleted from my credit report. They were short and declined any offer. The representatives I spoke to to had no knowledge of my account or how to handle the situation instead of transferring me to other people. I am going to be inclined to hire an attorney to have this company compensate for my losses and settle this dispute. There is no reason for consumer to be attacked by such debt collecting companies.
On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information. 
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income.
i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed
My student loans were transferred over to Fed Loan servicing in order to have an income based repayment plan. Working with them from the beginning has been a horrible experience. I have had to consolidate loans in order for them to be eligible for IBR program and they made multiple mistakes on the consolidation, mistakes that I had to be diligent and catch and when I did and had them fix it another mistake would happen. A easy consolidation process took 5 months to complete, in return adding interest to my loans that I am obligated to pay although it was a mistake on FedLoan Servicing part. Since I have over XXXX in student loans this interest that accrues is a lot. I have called them 2-3x/week for 5 months to make sure things go correctly and they still make mistakes. When they make mistakes they do not fix it in a timely manner. Everytime I call I speak to someone else who does not know what is going on so I have to repeat my situtation every single time ( which calling 3x/week and repeating myself is very frustrating ). I absolutely HATE their service and if I knew I could choose a different servicer from the beginning I would have but this is what my federal loan directed me to. I have lost a lot of money and valueable time dealing with them.
I called and spoke with company in XXXX. I gave the employee an updated address to mail me something about the amount owed. I emailed XXXXXXXXXXXX about not receiving the letter. It is a little confusing because the letter has fraud as XXXX charge but when I did a search on XXXX XXXX XXXX 's website there is an document that has XXXX. I think it is in the official records search. 

Text from email : To whom it may concern, Please forward this email to the appropriate department. I was told on XX/XX/XXXX that a letter was being mailed to me. I still have not received a letter. The online payment number that is provided on the letter dated XX/XX/XXXX is XXXX. There is also another question that I have that I asked an employee at the XXXX XXXX XXXX XXXX about a corrected document that shows on a search that has XXXX as the charge but the letter mailed to me in XXXX  has Fraud Insuff Funds. Please look into this. 

Sincerely, XXXX XXXX XXXX
XXXX XXXX law firm ( Prior complaint no XXXX ) did not respond to my previous complaint filed on XX/XX/2018.with your agency regarding a debt they bought from XXXX XXXX XXXX. 

On XX/XX/2018, I received a letter at my work address machine dated and envelope postmarked XX/XX/2018, XXXX XXXX XXXX marked XX/XX/2018, from the XXXX GA law firm of Simpson, Uchitel and Wilson, LLP threatening a law suit on the XXXX XXXXXXXX XXXX debt if I did not respond within ten ( 10 ) days of the date of the letter.
Bank of America charged me an overdraft fee for the account being overdrawn by couple of dollars. They charged a hefty {$35.00} for that.     Usually other banks do n't charge you such overdraft fee if the account is withdrawn by {$5.00} or less. This is definitely deceiving.     The other thing is that it did n't even show any negative balance so I can go and deposit some funds to cover this overdraft. I had  an   XXXX   XXXX    Credit Card charge of {$4.00} and another restaurant charge ( was still pending final amount ). Once those  XXXX  charges have posted, I was hit by an overdraft overnight. It usually shows a negative number ( marke d in Red ), and this gives the chance for me to go and deposit some money to bring that number back to positive.      On the other hand, my account cut off time is  XXXX   XXXX  ET ( While I am living in California ). This should be always  Pacific Time a ccording to my residence. So Whenever I need to protect myself from account overdraft, I always have to think of Eastern Time which is  3 hrs ahead of Pacific Time. ( While I am living in California ). Its definitely frustrating.
On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by XXXX to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on uber. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with XXXX and TruckMAXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they XXXX, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY XXXXREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.
My initial complaint was filed with the FDIC, who forwarded on my complaint to you case ( # XXXX-XXXX ). I would like to clarify that this is not the first time I have been charged overdraft fees by BRANCH BANKING AND TRUST COMPANY. 

As I have often reviewed my statement on a daily basis, I noted that BB & T practices in " Misrepresentation of account balances and reordering of credits and debits to push customers into overdraft, allowing the banks to collect bank overdraft fees. '' I have noted that in reordering of credits and debits often occurs between XXXX-XXXX XXXX, when one is typically asleep. I have contacted BB & T on several occasions and explained this practice was occurring. Their operator has reported to me that that is just what happens. I have lost hundreds of dollars over the years to BB & T because of their reordering. I have often been charged, despite a credit coming in at same time ... but they conveniently reordered it so I would fall into overdraft. 

As a consumer I am tired of being robbed by this banking system and would like ALL of my fees over the years returned to me as factually, this practice is illegal. 

I have decided that from now on I will be recording ALL data that pertains to these " overdrafts '' and will be forwarding the documentation to you. But, I am sure that requesting data from their computer systems will clear this up, as it is clearly evident of their practices.
SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid. 

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 

At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX. 

I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well. 

Every promise made has been broken, and apparently my issue is still unresolved. 

My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position. 

Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Also the fact that Three Equifax Managers Sold Stock Before Cyber Hack is unbelievable and disgusting.
Transunion will not delete servers inquiries on my credit report that are not mine nor did I authorize them, Ive called/sent letters with this complaint yet nothing has been done.
My car was totaled on XXXX XXXX, 2014. I was hit from behind by a girl who was probably texting. My Insurance company took possession of my totaled car immediately and paid me off on XXXX XXXX saying, in writing, that as part of the settlement they were also paying off the balance of my car at Wells Fargo Dealer Services. Apparently there had been some change in the payoff when they sent the check and Wells Fargo sent it back to them. They did not pay off my car on time and I actually had to make another 2 payments on the car, which they reimbursed me for. A manager at Wells Fargo Dealer Services named XXXX assured me, XXXX XXXX and my attorney in a conference call that he would have the bureau corrected and it still has not been done. This month marks the 1 year point since I was hit and next month will be 1 year since they put this ding on my credit, reducing my score from XXXX to XXXX. I now need to buy another car for my family and am going to have to deal with the interest rates afforded for a much lower score than mine should be, due to no fault of my own.
XXXX XXXX XXXX XXXX are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
I was offered a Barclay credit card XXXX XXXX to make purchases at XXXX. This was a deferred interest credit card. I made timely payments however little if any of my payments was ever applied to the original balance. In XXXX XXXX and an interest charge of {$520.00} was applied to my account. When I inquired I found a tricky and deceptive practice and seek relief. In XXXX of XXXX I asked if the same credit card could be used for other purchases. Barclay responded yes however I was not told or informed at that time how the other charges would accrue or payments would be applied. Upon the charge of {$520.00}. in interest I attempted to find this information in my statement and could not. I did find on their website that in the last two months payments are applied to the minimum due and the rest to the original purchase deferred program. Those months ( 60 days ) are the only time that payments are applied to the original purchase. Candidly this seems tricky and I dispute the interest charges made. In addition, this issue has affected my credit rating which I have been working on very diligently for some years. I feel tricked and angry about this matter. I request remedy from your Agency. On searching the web I found other similar complaints about the Barclays XXXX deal and found that many people share my concerns and my frustrations. My goal is to have the {$520.00}. XXXX time interest payment removed so that I may pay off this credit card. Coincidentally in the last 60 days I did in fact make {$1000.00} in payments even though I was unaware of this rather deceptive matter. That would mean that in over 2 years and nearly {$5000.00} in payments little or none was applied to the original purchase. Clearly that is intentional to gain revenue for Barclays and for XXXX. 

Thank youXXXX XXXX
Someone from the " XXXX, '' a debt collection agency, put a negative entry -- out of the blue -- on my Experian credit report in the amount of {$85.00} for account number # XXXX. XXXX bought this debt from XXXX I know this because the report lists XXXX as the original creditor. At any rate, I disputed this with Experian and they claimed the dispute was valid. This is not impossible as I have never had any credit/loan/debt/services or anything from XXXX. XXXX has no information to prove that this debt is valid ; they only provided Experian with my identifying information. Experian did not investigate, thoroughly. Also, XXXX can not provide me or Experian an original bill with date, times, and amounts where I took out an {$85.00} loan/credit/service with XXXX or XXXX for that matter. The last time I dealt with XXXX was over XXXX years ago when I closed an account owing ABSOLUTELY NOTHING. I would like this egregious negative claim removed from my credit report.
This was a student loan that was transferred to my Mother because was a cosigner. XXXX XXXX is reporting a derogatory and adverse status on this account. It shows transferred, but also shows that it was discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. Please see attached filing.
USAA does not have an effective process for adding joint owners to deposit accounts. 

Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but  not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected. 

Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence " call us, there 's a problem '' but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate. 

In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct. 

Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA 's process still exists and may cause other consumers the same problem I experienced.
filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim
XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, Transunion, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
I have attempted to obtain validation of the debt the creditor is attempting to collect. The company has failed to respond.