WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint involves Experian Credit Bureau. On XX/XX/XXXX  thru a credit application with XXXX XXXX, Experian reported I have serious delinquency, length of time accounts have been established, and too few accounts currently paid as agreed. Thru Experian 's website, I pulled my credit report. Of all accounts, opened and closed, there are NO delinquent accounts. The length of time of accounts is rated excellent to the average of over 6 years old. Next, all accounts have been paid on time, over 240 payments have been made on time and up to date. On XX/XX/XXXX, Experian reported to XXXX XXXX XXXX that I have serious delinquency, too many consumer finance company accounts, too many accounts with balances, and too many inquiries within the last 12 months. Again, no accounts are delinquent. I have 1 finance company account with XXXX. The 2 accounts with XXXX are my 2 student loan accounts, and the 1 account with XXXX XXXX is a parent plus student loan for my son. Experian may think I have too many inquiries because I keep getting turned down for credit because of their fraudulent information they continue to report against me. Last, I think I have 8 accounts with balances. My total debt is around {$25.00} thousand. My income per year is around {$72000.00}, so I can afford my current debt. Experian does n't list any of my accounts that are delinquent, not paid as agreed, amounts that I owe, etc. I 've file several complaints about the same issues I 'm stating. I 've even talked to the dispute department with Experian. We went thru my credit report together, and he could not give me a reason why this fraudulent information continues to show up on my credit applications.
on XX/XX/2019 I received a email from Skrill confirming a payment of {$100.00}. The body of the email was addressed to someone else showing a credit card number that was not mine. There does not appear to be any issues on our credit cards. I called Skrill for an explanation. I was told this was a payment and the person making the payment was the one that listed my email for confirmation. I have no knowledge of the person who made this payment or how they got my email. I have never had any dealings with Skrill.

Skrill said all they can do is erase my email from their data base and records. I ask to speak with security about this incident to be certain there were not other issues. I was told that would not be possible.

I am concerned that there could be some sort of scam or fraud at work here. Skrill was not offering to do any research into the incident.

It makes no sense to me that a person I have never heard of would have my email info and use it for confirmation of payment on Skrill, something does appear right about this.
In XX/XX/XXXX, I submitted a complaint regarding my loan with Santander Bank. As of this date, Santander has not been willing to come to a fair and reasonable resolution. 

In XX/XX/XXXX, I financed a XXXX XXXX XXXX with Santander USA. The cost of the vehicle was {$13000.00}. The finance charges for a 6 year loan amounted to {$12000.00}. 
Total amount : {$27000.00}. During the time of purchase, a down payment of {$1100.00} was applied, reducing the balance to {$26000.00}. Over the life of the loan, I have submitted payments amounting to {$24000.00}. Given this Santander is reporting that I still owe {$7300.00} ( payoff  amount ). Per Santander, this amount is the result of submitting late payments. 

I have previously stated that the my finance contract is not clear. Nothing in the contract clearly states that submission of late payments will result in the increase of interest ; only late fees. Given my dilemma, I have researched what a simple interest loan is ... however, this is not clearly stated in my contract ; and is was not explained to me by the salesperson or finance person at the dealership. Knowing this, I would not have accepted the loan. 

Financially, I am not doing that well at this time. I still owe money on my student loan, I have deductions taken out of my check to pay for other loans. This is not a good situation to be in at all. My wages are eaten up in bills. 

I do not understand why this company would operate in this manner. It is understandable that all loans should be paid on time. However, given, the type of customers Santander approves loans for : bad credit - ( resulting in higher interest rates ). Why would extra interest be applied to a loan when one has shown a hardship in making payments? 

In XX/XX/XXXX, my payments were current. Actually, in XX/XX/XXXX my  next payment was not due until XX/XX/XXXX. Given this, I submitted two partial payments in XX/XX/XXXX or XX/XX/XXXX ; not sure. What I am sure of is, the full payment submitted in XX/XX/XXXX - no money was applied to the principle balance and the total payment amount was applied to interest??? I called Santander several times, and the matter was never resolved. 

This is the type of unfair business practices that myself, and many other customers are experiencing. The internet has many complaints from customers expressing my concerns or similar concerns. Why? 

This is not my first car loan. However, this is the first time that I experienced late payments resulting in late fees and additional interest. 

If this is the practice of this corporation, an outline and clear breakdown of their practices should be stated in the contract. With the current reported balance, this contract will never get paid as additional interest is being applied to the loan when payments are late. 

Please, I am asking that Santander works with me to payoff the remaining balance - {$26000.00} - {$24000.00}. Amount - {$1600.00}. 

I read an article from XX/XX/XXXX that the CFPB was in talks of filing a class action suit against Santander. Whether this is accurate or not, legal action is a last result. 
My request is that a fair and reasonable solution be the outcome.
My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
XXXX XXXX, XXXX and XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XXXX XXXX, XXXX, and XXXX a XXXX XXXX called stating she was from the paralegal office of XXXX XXXX and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.
I applied for a Home Equity Line of Credit with Bank of America ... I have been with them for 19 years and am a platinum preferred customer. At application, I explained that I wanted the line of credit to fix my decks on my house. At that point I had not started the project and they did not inform me that in order to receive a loan, the project could not start - in fact, the duration of the process took so long that that I was at risk of losing the contractor and price we negotiated. 

I provided all the documents and everything was fine, but the automated appraisal came through a little lower than expected so they suggested they send out an appraiser for a full walk through. I said okay, but that extends the time it would take them to fund the loan. About 1.5 weeks later, the appraiser came, but at this point I had to start the project ... they were doing construction when the appraiser came and he mentioned that they probably would n't fund the loan with construction ongoing - I said, that was silly as they knew that was the purpose of the loan. Sure enough, when the appraisal was received and reviewed they told me they could not complete the loan until the decks were complete ... I was floored as they knew that was the purpose of the loan and they are the ones that slowed the process. They claim there is some liability if they fund the loan and someone got hurt, but that was never disclosed. On top of they they could see my insurance and umbrella policy with over {$1.00} XXXX in coverage, which should have been considered. Instead they said they could not move forward and no one would do the loan not just Bank of America. They then told me I have 30 days or the loan application would be closed. To me this whole process is offensive as it was not disclosed that I had to wait until the loan was approved especially when i was going to lose the contractor and I am doing the work on the house that I said I was going to do when i applied for the loan. Now I am in a bind and if I do n't find alternative financing, could be suit by the contractor for non-payment or have to max out my credit cards to pay for the supplies at a double-digit interest rate ... this does not make sense to me. Note they would have approved the loan without the walk through appraisal, but it would have been at a higher rate. So because I got the appraisal, I invalidated the loan because they actually saw i was doing the work, I said I was going to do.
Pre-legal department of ACM keeps calling me asking for someone I know. It is a robotic call. The person they ask for does n't live in my home, but has put me down as a reference without my knowledge. I have no idea who this company is or what this is about. It is not my debt! I 've asked them XXXX to stop calling me ( XXXX/XXXX/15 at XXXX central time and XXXX/XXXX/15 at XXXX ). When I contact them they are rude ( over talking, raising their voices, asking me if I would loan ... money ) and say they 've taken me off their list, but they continue to call. This constitutes harassment in my book. I want them to stop calling!
Hi, my name is XXXX XXXX ; i am a widow who semi-retired XXXX. I live in XXXX. The Franklin Credit Management bought out my second mortgage a few years ago when my house was upside down -- dropped almost half, and placed a lien on my property. I have been trying to settle this since then, but no avail. It is almost upsetting and frustrating how they kept on telling me to counter offer against their offer of {$31000.00} as a final settlement, but never mentioned about the expiration date, which was last XXXX XXXX. Had I known that there was an expiration date on their amount, I am 100 % certain I could have made better decision ~ different approach to make sure this burdensome ordeal would be finalized then. I had to retire from Post Office, so I did not have a regular income like before, so I was trying to see if I could lower the final settlement amount lower than {$31000.00} since I had to borrow this money. But to my disappointment and discouragement to the point of anger for their deceitful attitude -- never mentioning not even once, something like this before XXXX whenever I had called ; I called several times : 'Can you consider this offer would be expiring on XXXX? ' I have to wonder if they had to be this deceitful. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' letter to me. I had filed chapter XXXX in XX/XX/XXXX, so if someone could explain the top part of this notice ( if you want me to send you the entire pages, I need your email address ) page XXXX where it said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation ', I would greatly appreciate it since I am totally confused ; they said this debt was excused ; then, they would like to accelerate???. 
Would you pls do me a big favor to help me settle this with their initial amount for me since they dealt with this dishonesty? I have XXXX different licenses -- life and health, property and casualty, Series XXXX, series XXXX ; each ethic class I had taken for these licenses, they emphasized how important it wass to inform your customers with every important factors to help them make a better XXXX right financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

Thank you in advance for your help! THX! 
Have a good day/week! Happy XXXX XXXX! 

Sincerely, XXXX
Sears/CBNA started reporting on my credit on XX/XX/XXXX for a credit card that was closed in XXXX. This event negatively impacted a credit card application I had submitted with XXXX.
Citi computer systems misrepresented the amount due and instigated auto payments when in fact they had been paid and the account showed a zero balance. Auto payments resulted in {$54.00} in NSF fees to which Citi 's response was " present our letter to XXXX and maybe they will refund the NSF fees ''. 

Details in attached letters, Citi statement and XXXX and XXXX statements. 

I did reach out to XXXX and they did (! ) refund the NSF fees. That's a mystery to me.
Transworld systems is a debt collecting agency that was used to collect a debt I have already paid. I owed a specific amount to  XXXX    XXXX   for an over draft in my bank account that I was unaware of. I was never contacted or sent any information on this by the bank or the debt collector. I walked into the bank one day found out about the over charge and paid it in full. I was told the rest would be taken care if by the  Branch Manager  and it would n't even show up on my credit because I had paid the debt in full. It 's been two years, I 've contacted the bank who tells me to contact the debt collector and then they tell me that I have to pay the owed amount they have reported and then contact the bank. This has been affecting my credit for two years.
I applied for an AMEX Blue Preferred Cash credit card online on XX/XX/2018 and was promptly denied. I was stunned and called to find out why. After several calls and departments I was told a prior bankruptcy showed a balance over $ 10k. My bankruptcy was filed 13 years ago and was showing this on all of my credit reports for AMEX. I assumed it was some kind of serious internal error. I had to wait until Monday to talk to the Research Dept and thought it would get straightened out. The Research Dept explained that they keep the information on file and can deny credit due to the previously charged off balance. I asked for how long, and she said " FOREVER ''. Forever?!?! Did she say forever? I was in stunned silence. I finally said, the purpose of a bankruptcy is to give someone a fresh start. I have no interest in doing business with AMEX. Thank you. I was under the impression that once the 7 or 10 years is up it is no longer an issue. I have excellent credit now, in the 800 's and don't carry any debt other than the condo I bought a year ago and a used car payment. I applied with XXXX today and was immediately approved at their LOWEST interest rate offered for that card even though they were in my bankruptcy too. I also work for a XXXX company that services Credit Unions. I have a XXXX. in XXXX. But I don't need that to know that this is XXXX. I'm beyond offended and feel this practice of keeping discharged bankruptcy information FOREVER, when companies don't even keep data for that long on ANYTHING else is unethical and unfair. I was in my late 20s and had never ever paid a bill late until I went into business with someone who didn't do what they were supposed to do and was left with everything in my name. It was not characteristic of my financial history before or after that. It's absolutely appalling to me that AMEX has given me a life sentence arbitrarily, without considering my financial picture the other 42 years of my life where everything has been immaculately spotless. Their loss, I have XXXX now and plan to use that card for everything I buy to get the cash back and will pay it off monthly. I'm disappointed in AMEX for being so impersonal. I want to know from the CFPB if this is ethical and if this is legal according to the CFPB and other financial governing agencies. I'm also going to ask a class action lawyer. I also work for the XXXX of the Legal, Compliance, Accounting and Finance Depts at work and will find out the best way to get to the bottom of this unfair practice. Good luck, AMEX. This won't be swept under the rug for long. This isn't the first complaint on this site against them on this very issue. Time to put an end to this.
Equifax. Submitted dispute on suspected fraudulent hard pull. Was notifed by e-mail it was resolved. Followed instructions 3x to pull info on resolution. Gave accurate info and their Q & A section had no relationship to my account. Locked out of resolution due to their incorrect Q & A. XXXX for support, no response, no phone number provided for follow up on lock out, no e mail address provide by Equifax to contact. the companies customer support and systems are very 20th century, restrictive and dead ended..making follow up impossible. Seems deliberate way to frustrate consumers trying to address credit issues Equifa prevents customer from cutting and pasting info so one can not provide you with copy of there displayed pages, also deliberate to make reporting them more difficult.. When using XXXX for same types of issues, very up to date, easy and user friendly.
On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!
I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home.
I ordered my credit report and I can see on the report XXXX XXXX XXXX and an account number XXXX and the rest are asterisks. I am not familiar with this account or this bank. I have never had an account with this bank. I do not know if this is an attempt to collect a debt, identity theft or why XXXX XXXX XXXX would claim I have an account. Although the balance states that it is XXXX, I would like to know how XXXX XXXX is reporting on my credit report and where the account came from. Who is the original creditor and how did XXXX XXXX XXXX magically create an account I know nothing about? XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX , NE XXXX Phone number not available
Sam 's Club Annual Rewards checks were originally issued in XXXX/XXXX 2017. I called Synchrony Bank around X/X/17 due to non-receipt of my {$110.00} check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. On X/X/17 I called Synchrony Bank again due to non-receipt of the replacement check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. As of today X/XX/17 I have n't received my annual rewards check despite my multiple requests. I am requesting 2 things : 1 ) Your assistance in obtaining the {$110.00} via a credit to my account ( I 'd prefer not to wait for another check unless it 's coming XXXX ) 2 ) I 'd like to request that during the next Audit of this financial institution that their rewards practices with partners be reviewed specifically how many customers do n't cash checks and complaints related to non-receipt of checks. It 's appears to me issuing checks rather than issuing account credits is a way to retain some of the reward related expense due to customer 's not cashing checks they do n't receive.
I requested validation of two accounts that appeared on my credit report from Commonwealth Financial Systems. In my letter I specifically requested VALIDATION. In response they sent me two separate supposedly itemized statements in which looked liked something they created. There was no documentation provided that actually verified that I visited and received services from the alleged medical provider.It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations.