WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX/XXXX/XXXX a I rebooked and tried to once again pay for a hotel room at XXXX in XXXX XXXX that was denied payment the first time by Wells Fargo Bank without notice and they stated Wells Fargo denied the payment because my debit card had a XXXX limit. I called the bank and they refused to change the limit at all so I could book a new room. They told me to go to the bank and take the money out and pay. I live in XXXX and can not afford to fly to XXXX just to pay for the room. They would not do a one time change just to pay for the room. After a day of phone calls, a bank manager in XXXX where my husband works finally allowed us to raise the limit to XXXX to pay for the room. While my husband was in the bank in front of the bank manager I paid for the room and printed the transaction which showed pending, one for XXXX and the other for XXXX on Monday XXXX of XXXX the transaction is gone. Not pending it is just not there and I have an available balance back to over XXXX . The bank told me it is not there fault and the hotels but it is approved without any proof for me that I paid the bill. It is just gone. They told me before that they own my debit card and my bank account and i just have to wait. What if I lose my room again? They do this with my airline tickets, and cellphone bill every month. This causes overdrafts and shuffling of my transactions out of order of the deposits and transactions made. I have a printout of bank statement for today and XXXX XXXX when I paid the XXXX time. I have no proof of the first time i paid because it disappeared and i did not print it.
I sent an email to the Annual Credit Report website regarding my attempt to receive my wife 's credit report from TRANSUNION after getting my report. This is the email I sent to them : My wife does n't seem to be on my credit reportfrom Transunion. I tried to get XXXX in her name but it does n't allow it. WHY?? 
She might have credit issues not listed on my report that we would like to beaware of. 
The thing is I have been unemployed since 1992 due to XXXX caused by work injuries and my wife has been the bread earner since then. So why the heck ca n't we receive a credit report in her name? The whole thing is a pile of stupid running the show.
On my XXXX report ( which i have a XXXX XXXX account ), it shows that I have closed my XXXX XXXXXXXX XXXX  account when it's still open. i still have and use my card. i called them this morning and they claim that i ordered a new card when i didn't. i called to clearly get this situation fixed, and they acted like they couldn't do anything about it. i've heard plenty of negative reviews about XXXX XXXXXXXX XXXX   for quite some time now. I just want this Inquiry and there is a Discover card Inquiry on my credit report that is incorrect as well. I've never had a discover credit card. seems like no one can help me or someone is lieing. i've even tried to get some of the hard inquiry thats been on my account for years to be removed, and it's no help. I also hope that most of my hard inquiries that are from XXXX or XXXX to be removed if possible. it's some hard inquiries on my XXXX account that i feel should be removed as well. i would highly appreciate it if you can help me get this solved because this has been a pain on my brain for quite some time now.
In 2007 I had discovered that there had been multiple accounts opened under my name or social security number. I filed a police report with the XXXX Police Department and notified the credit bureaus. Years passed and I was unable to have everything cleared up with the credit bureaus, however, life moved on and I just did n't have the time or patience to deal with it. Within the last year or so I discovered some more accounts that were unauthorized and I contacted XXXX, XXXX and Equifax. Fortunately XXXX and XXXX have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting documents, so I have no choice but to file this complaint in an effort to clear my name.
Constant late notice letters/phone calls from lender when payment made before XX/XX/XXXX.
I went to my local  XXXX  dealership with a pre approved auto loan from  XXXX   XXXX  auto navigator. I even brought the printed out paperwork. The salesman told me they needed to run my credit again to see if they could get me a better interest rate. He did not tell me that there would be  XXXX  companies accessing my credit report. Now my  credit score  has dropped  XXXX  points in less than  24 hou rs. Turns out that  XXXX   XXXX  was the lowest rate I could get. They ran my credit with  XXXX  other companies for nothing.      XXXX   XXXX ,    2017  {$30000.00} Quite frankly this is the type of   XXXX   that consumers do n't want to deal with. It 's hard enough to build your credit, and all it takes is some salesman with a sales pitch to a first time borrower to ruin your credit in a matter of minutes.
XXXX is reporting 17 hard inquiries on my credit report, 13 of which were for the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with XXXX today ( XX/XX/XXXX ), and they refused to help me.
I obtained an equity line of credit through Wachovia in XX/XX/XXXX. Wells Fargo Bank ( WFB ) bought Wachovia soon after and I received an transfer of the deed. I paid the loan off in XX/XX/XXXX the payoff went to WFB. There is a charge-off showing from Wells Fargo Equity for the exact same line I paid off. I can only assume all equity lines that were assumed through the buyout went to the Equity Dept of Wells Fargo whether the paid status was noted or not.
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.           XXXX   XXXX   XXXX   Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XXXX / XXXX /  XXXX   Payment {$0.00} Payment Status Charge-off
As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed immediately.
I have been attempting to apply for a primary residence loan with various companies, most recently, Bank of America ( but also XXXX and XXXX XXXX. All of them have told me that I would be wise to pay cash for my new house because I do not have wages from a job to qualify adequately for a loan ( I am a XXXX, XXXX years old, and have sufficient income in my IRA according to my financial consultant to last till I am XXXX if I am careful ). I had planned to use the net income from the sale of my house in XXXX and from a small condo in XXXX ( my XXXX house ) to pay for the XXXX % down ( {$90000.00} ). I have XXXX other houses, rented, with some small extra income besides. I receive social security and take out enough from the IRA to cover all my expenses. The XXXX house I am buying equals in price the value of the XXXX houses I am selling. I have an excellent credit rating and have never had a financial problem ( foreclosure, etc. ). The Bank of America has told me, however, that all it can do is give me a mortgage for maybe {$170000.00} ( less than the $ XXXX I owe BOA currently, which the bank refinanced as a 15 year mortgage two years ago so that I could pay it off more quickly ). I have sent them my last XXXX tax returns, a XXXX for 2015 from my XXXX stock IRA, my Social Security XXXX, and an end of year summary at XXXX for the money my IRA and I have made this past year in a down year ( around $ XXXX ). Today I was told I must submit my 2015 return as part of the application process, which I thought I had till XXXX XXXX to submit. I am supposed to double-close on the primary residence I am selling and the new house I am buying at the same time/title company ( XXXX XXXX ) so my sellers can close on their house on XXXX XXXX. Not only do I believe this is illegal to ask for BEFORE XXXX XXXX, but I have n't finished it. Which means a defacto refusal on the part of Bank of America ( my executed contract for the house will expire in two weeks or so ). I was shocked when the agent told me I had n't even applied yet ( I thought I had ) and besides it would all need to be sent to the underwriter. I have been given a Prequalification Letter by Bank of America, which is why the sellers signed the contract. Dragging her feet means I will not be able to meet the contract deadline and perhaps not close at all timely. I believe that I am being discriminated against on the basis of age. I asked her what documents she needed for the approval that might be covered in the 2015 return, but she did not tell me. She just said she did not want to waste my time or money any further. I do not understand why I do not qualify for this loan, with XXXX houses and an IRA in value close to XXXX dollars.
this is additional information concerning my complaint number XXXX. My Names is XXXX XXXX. 
I did some research on my own and the loan I took out in XXXX was a Bank of America Clean Sweep Loan, however this loan was done over the phone with a customer representative. The Loan was a one time deposit of {$37000.00} dollars and the fixed rate of 15.9 % which came to payments of {$660.00} for 72 months ( 6 years ). The representative was clear on the fixed rate. I understand those loans may have been advertised by Bank of America as variable rates through other advertising for these type loans. 
The deception here is the customer service rep closing the deal. I would never sign on for a variable rate loan, having already bought a house with fixed rated, my automobiles are fixed, he sold me on the fixed rate, the payment amount and the length of the loan. 
As I state before Bank of America has since discontinued these loans in XXXX according to their customer representatives, to include calling them line of credits and credit cards. 
My most recent conversation with their representatives is that XXXX, as in my previous complaint I was told they would investigate further, but the customer representatives I spoke with on XXXX XXXX, XXXX had no notes or action taken on my account. so we spent XXXX hours on between being on hold and one customer representative and a supervisor trying to give me an explanation as to what may have happened. 
After an attempt to say I have more payments because I missed payments from the representative who knew nothing about these loans of programs, the supervisor acknowledged that I had never missed any payments. Her final answer was that I had a variable rate when I took out the loan, and that in XXXX the loan was changed to a fixed rate of 15.9 % and the 60 month term started then. The 60 month term that is reflected on the document I submitted with claim XXXX, that they provided to me. 
None of what I have been told had added up. First the loan has always been 15.9 %. To claim it went from a variable to fixed rated, and term starting two years after I have had the loan, is questionable. The supervisor telling me the 60 month term went into effect in XXXX tells me they have not kept an accurate history of my account, like I said before I have paid over 90 months ( almost 8 years on this account ). 
In summary the Bank of America Clean Sweep Loan is what this started out as. This customer service rep presented this loan as fixed rate fixed payments. Bank of America has done modifications to this loan, in XXXX and XXXX. The customer reps and supervisors have made it clear they have not been able to articulate an accurate history of my account, that is either because the account history is incomplete, has too many modifications to articulate accurately or they are towing the party line and facilitating unethical practices for Bank of America.
opened XX/XX/2014, {$860.00}, was paid by XXXX XXXX XXXX at hospital
Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.
I purchased concert tickets online. The tickets never arrived. The vendor told me repeatedly, up to 2 hours before the concert, that there was no record of my ticket purchase. The day after the concert, the charge showed up in my Citibank online account record. I reported this to the credit card company, Citibank, that I used to purchase the tickets. They, in effect, have taken the merchant 's side on this issue. Citibank sent me a letter asking me to provide documentation that I do not have and could not possibly have. They say : ". We have closed our investigation and reversed our credit. If you still wish to dispute this charge .... Please provide documentation that you were unable to print the tickets or denied access to the website. You should also provide evidence that you tried to download the tickets from another location such as a friend 's house or local library. Me may be unable to continue with your dispute without this information. '' The merchant " had no record of my ticket purchase '', and they made no effort to provide the tickets to me. They were supposed to send an email containing printable tickets - they did not. Two different representatives admitted this to me on the day of the concert. They told me that the only way I could get concert tickets would be to order new tickets and pay for them again. 
The amount of the purchase was {$100.00}, for which I have received nothing of value. I spoke with the ticket vendor three times on the telephone - they said that there is nothing they can do - in particular that they can not refund the credit card charge. I spoke with Citibank four times about this now. They say that the error was the merchant 's. However, they ended up charging my account for the tickets, and they insist that I provide documentation of something that did not happen.
Knight Adjustment Bureau is trying to collect {$350.00} which is more that what I owe to a daycare I enrolled my daughter in. A check I issued for under {$150.00} was returned but KAB is trying to collect for an entire week of daycare fees which my daughter was not there and did not check her in. I have my daughter at XXXX for only two weeks and was visiting for a short period of time over the summer which the daycare knew. Now they want to collect more money just because of a returned check I have offered to pay
I am a permanently XXXX XXXX year old man. XXXX. I have been in and out of hospitals for 8 years, XXXX lost my house, and lived in a friend 's garage. I have survived on my $ 1800/mos XXXX ( which I am trying work my way off of ). I am trying to correct/negotiate items on my credit report. I have had good success at settling most accounts. However, Legal Recovery Offices ( LRO ) at XXXX XXXX XXXX XXXX, XXXX XXXX, CA has been unscrupulous and told me tough luck. I had originally contacted XXXX XXXX ( account number ******************* ) credit card. I contacted XXXX XXXX and spoke to XXXX at XXXX ( ext XXXX ) who advised I ask LRO to return the account to XXXX XXXX. LRO said no. They garnished my government benefit account funds. I filed a claim of exemption which was granted ( XXXX Court of California case number XXXX ). During that process XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised me that the proof of service represented to the court when the granted a judgement was returned. I was not served and had no chance to defend myself. XXXX I am trying to correct my credit, which was always high. The cruel words from LRO attorney XXXX XXXX that he " did n't care '' were shocking and inhumane. I seek the same treatment from LRO as the other creditors I 've been working with. They refuse to discuss a payment plan and, as XXXX XXXX said, expect to collect every penny of my original debt plus the near XXXX fees and interest they have added on. He hung up on me. I did n't choose to get so sick and lost everything, house, savings, etc. Please advise me how to deal with this cruel unscrupulous company. Thanks for your valuable time.
I had a car loan with their firm. The car was totaled in an accident and the insurance company contacted Westlake Financial for a pay off. The received payment and I signed the car over to the insurance company. Several weeks later I received a bill from Westlake Financial stating I owed a balance. I was not certain how this was possible as they are the ones who gave the pay off amount, and if there were additional funds they should let the insurer know. They kept sending me a bill, charged late fees, kept calling to collect. Even after my repeated requests to send documentation explaining why I would owe and not the insurer they failed to do so and continued with the calls. They ultimately listed it as a charge off on my credit. I received a call from them occasionally, and stated my same request, to no avail. For some reason the past two weeks they have been calling me non stop, 7 days a week, all hours of the day and evening. I have gotten in excess of 10 calls a day. Sometimes when I do answer they hang up. Other times when I do answer I explain to them I would like written documentation of the debt, and also all communications to be in writing. They have failed to do so.
I received the loan in  XXXX  and it has been sold several times, from  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX  and no w Naviet, a nd the loans went from  Stafford t o private without me knowing, they have gone from subsidized to unsubsidized without any explanation. On the Navient website they have several loans that I am not familiar with and I feel that my loan has been paid off several times but each time it has been sold the bank adds fees to it which includes interest payments without my knowledge, I feel that this loan has been going on for to many years and bouncing around without my knowledge and I only had it in forbearance  one  time and they still continued to add fees. The history of my loan going from here to there without my knowledge with numerous interest and added fees is n't fair to me. A loan that was {$23000.00} went to  XXXX  and I have been paying on my loan since   XXXX   none stop and now I owe  XXXX  and I feel that these financial institutions owe me a refund for over paying them over the years. Please resolve this problem and refund my money and also the credits could n't be transferred to any other college so I feel that I paid all of that money for an education and none of the credits will go towards a  XXXX   XXXX  so I did n't bother attending college for a higher degree because I would of had to start over from the beginning. Thanks.
I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day. 

I called to cancel my appointment that I didn't want to apply for the promotion. 

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first. 

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do. 

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report. 

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan. 

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
IMC CREDIT SERVICES are accusing me of a medical debt that was paid by worker 's compensation insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
I have a missed payment on a loan that is my ex-wife 's double wide. She got the double wide in the divorce. The loan company would not allow her to refinance due to her credit. The judge put an order in that no matter what her payment history was, it could not affect my credit. That has been 15 years ago and she has been late on a regular basis. The loan company has just started putting it on my credit. Please help. I have worked very hard to get my credit good, and no it is poor.
I have a loan with  Kia Motor Finance. I  recently moved to Florida. In Florida, I need the title company needs to receive the title in order to process my new registration. I have requested it twice, most recently on  XXXX   XXXX . I have had the title tag agency fax it to the number provided by  Kia. I  have confirmed that the fax went through to the proper number provided by  Kia. N either time I have submitted the form to provide my title information has it been sent to the title agency. According to Kia, the form has not been received  ( althoug h I have proof it has been received by tem.     I should not be held responsible for Kia losing my information as it is not my fault. I have been trying hard to get this accomplished and I am probably now in violation of Florida law for not registering my car in the proper amount of time. I do n't know what to do at this point. Please help me.
I have some adverse information on my credit report from a dentist office that did work for me and my insurance company and I paid what was owed back in XXXX. I was just made aware of the adverse info on the report on XXXX XXXX, XXXX and immediately called the company Capital Accounts ( collection agency ) to dispute, spoke with supervisor, XXXX and started the dispute process. On XXXX XXXX, XXXX I called to follow up and XXXX said the dispute had been filed a couple of weeks ago and they were waiting for the dentist office to respond and he could n't help me further, I needed to wait for XXXX to call me back in 2 hours to answer any other questions. XXXX never called me back. I called back 24 hours later and XXXX said this has been going on since XXXX I do n't need to discuss anything with you and immediately hung up on me. I called back an hour later and was told by XXXX that I needed to speak with XXXX and he 'd call me back, still have n't heard from XXXX. I called today, XXXX XXXX, XXXX and spoke with XXXX again and he said if XXXX did n't call me back then he does n't know what to tell me. I immediately ended the call because this does not seem legit. In addition, I sent a letter overnight to the address I received from XXXX on XXXX XXXX, XXXX asking to resolve this matter, address P.O. XXXX XXXX XXXX, TN XXXX. Please help me resolve this matter so I can move on. 
Thank you, XXXX XXXX XXXX