WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to dispute some issues on my credit report with EXPERIAN. I tried to dispute online. When i do try to dispute online a message comes up saying that the attempt to dispute is unsuccessful and that they cant give me a reason why? NOT FAIR. I tried calling them and they also gave me a hard time saying that i disputed the account already and that they cant dispute it again. NOT FAIR. One item in particular i have no knowledge about is a XXXX account that i never had. I never used there service as i have always been a XXXX customer all my life. I have other items that i would like for them to verify the accuracy of which is my right are. 

XXXX - account # XXXX XXXX - account # - XXXX BANKRUPTCY Chapter XXXX - Reference # XXXX BANKRUPTCY chapter XXXX - Reference # XXXX I want all these items Reinvestigated and i also want to know their sources of obtaining this frivolous information and i want these ITEMS REMOVED from my report with EXPERIAN The other XXXX CREDIT BUREAU 's have worked with me with dignity and respect while experian treats consumers with no RESPECT at all ... 

PLEASE HELP OUT A XXXX CONSUMER ... 

THANK YOU XXXX XXXX
Today at  XXXX  I received and unknown call from  XXXX  which turned out to be Synchrony Ba nk J.C .Penny Collec  tions-  attempts to return calls to that number were met with silence. I then checked my voice mail and found a number to call  XXXX . Opinion- I guess they can claim I never called back? I spoke to  XXXX  who informed me I was past due. She never stated she was collections. I asked if my account was 30 days late. She hemmed a little then said NO! I asked her what amount I had to pay to be current and not late- THE MINIMUM DU E I asked h er for the correct amount and she again stated $  XXXX  which I asked again- I do not want the minimum I want the true amount- she  stated thats it-  {$35.00}. I paid that amount. Note- my prior complaints which impacted my CREDIT! She substantiated what I have been saying! I pay the amount they confirm is due YET tell me when I challenge that IS NOT THE CORRECT AMOUNT to be paid- that is a lesser amount! Of course you will do nothing that is why a new report. I have reached out and left a message to  XXXX  at  XXXX  ext-  XXXX  and I waiting a reply! I have attached the invoice,.
I have been reported to credit bureaus by OCWEN Loan Services LLC for being late ( over 30 days ) .. I immediately contacted OCWEN last year after seeing that they had reported my XXXX 2015 payment had been reported as more than 30 days late. They promised me they would correct this. It is still there! I have verified with XXXX XXXX XXXX that the mortgage payment was paid electronically one day later. This is within the period ( before XXXX XXXX ) that payment was to arrive to be considered ontime.
We wanted to refinance our mortgage and were well into the process when the broker requested a payoff amount. When we got the statement with the payoff amount from the loan servicing company, it included a request to pay roughly {$5100.00} for property taxes. 

This was odd, because XXXX XXXX XXXX held our property taxes in escrow every month and had over {$7100.00} in an escrow account. Why did they need an additional {$5100.00}? 

We called and asked and they said the {$5100.00} was to pay property taxes if the loan closed after the taxes were due. We were thoroughly confused because - of course - they had {$7100.00} in an escrow account they could use to pay the {$5100.00} in property taxes. 

So, I was stuck. The lender would not refi the mortgage without a proper payoff amount and XXXX XXXX XXXX would not change the payoff amount. I eventually called an attorney and he got the loan servicer to update the payoff amount. 

We thought we were in good shape, but then the broker told me the new lender was dragging their feet and that we would need to finance an additional {$5100.00} to cover the property taxes. 

It did n't make any sense, but we were in a very bad mortgage and we desperately needed to lower the payment so we just XXXX XXXX the {$5100.00} only increased our payment by {$12.00} a month, and we assumed we would be getting the escrow amount of {$7100.00} back, so we just went with the new loan. 

Last week, we received an escrow distribution of {$1200.00}. They kept roughly {$6000.00} and we financed an additional {$5100.00}. I do n't know who cheated us out of our money but it 's clear to me that we were taken advantage of.
applied for credit card with USBank that promised a free XXXX night with every award reservation. Paid the annual fee and met the spending threshold. Then they changed the card terms to take away the benefit
On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase. 
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.
i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
OnXX/XX/XXXX I received a letter from collection agency stating they had purchase debt from XXXX for unpaid phone bill for {$320.00}. I never had or authorized anyone to open a XXXX account. I filed a police report with my local police department at that time. The officer called the agency and was informed the it will be forward to XXXX Fraud department. The officer call me and inform me of the status and that I should be receiving a call from XXXX Fraud Department. I received the call from XXXX who verified some information and stated I will not e responsible for the amount as it fraud. When I asked how the account was open, the XXXX agent stated it was open using my SSN. <P/>On Tuesday XX/XX/XXXX, A.D.R. GROUP, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX XXXX, contacted me threatening to file civil lawsuit for unpaid debt for total of {$990.00} unless I settle out of court for {$320.00} I inform their representative that this debt was result of identity theft therefore fraud. <P/>I then contacted Town Of XXXX and submitted a FOIL request to attain copy of the police report. Just received the report and following up on the ADR Group I found numerous complaints along the same line on what happening to me. All complaints involve ADR Group going after debt from over ten years and debt that was already paid, but still threatening lawsuits.
identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX  XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX  XXXX  Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX  XXXX  High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX  Reference number XXXX discharged XXXX is not her account CREDIT PROTECTION High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX  High balance {$690.00} Opened XXXX XXXX is not her account
Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. 

Extremely difficult company to work with, and very rude.
I have a bankruptcy on my account. I contacted Transunion XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.
At the time of the checkout at XXXX, I was offered XXXX XXXX XXXX credit card. I had asked the counter associate whether it will be a hard inquiry to my credit score. She assured me that no hard inquiry will hit my credit score. I gave the approval for the application and it was filed. I already have fair credit score since I returned to the US after long time. The application eventually could not be approved and it also hit my credit scores to the tune of 24 points collectively both with XXXX XXXX XXXX
This is not good and not acceptable at all. I was given misleading information to promote the XXXX co-branded credit card which is not ethical. My credit score is still building up to an acceptable level and already not good but now it has gone further down. Am an old customer of XXXX since the year XXXX and was not expecting this. 

Tried reaching out to XXXX through their feedback mechanism on the website and one email ID as well but did not hear back suggesting any resolution. 

Date : XXXX XXXX XXXX Establishment : XXXX, XXXX XXXX, XXXX, XXXX XXXX reported to XXXX : XXXX XXXX XXXX
On XX/XX/XXXX I Purchased an item from XXXX XXXX, paid with XXXX account, I never received the item. I opened a claim immediately but because I had a credit with XXXX they still charged me for the item. XXXX took a long time with the dispute and closed my account showing that I still owed it. 60 days after the dispute was open they closed my account after repeated calls and speaking with supervisors. 
XXXX finally answer the dispute after I dealt directly with XXXX since XXXX did not move on it, XXXX confirmed with XXXX and after their investigation they determined that I in fact never received the item. XXXX provided me with a letter apologizing for the mistake. XXXX tried to reimburse XXXX but my XXXX account had already been closed by XXXX. On XXXX XXXX sent me to their collections agency, XXXX XXXX XXXX, to whom I also disputed the validity of the debt and provided them with proof of the dispute but they did nothing. XXXX charged me interest over interest and sent me to this collection agency. I did not owe this account. 
Item was {$99.00} I ended up finally paying the collections agency because both accounts affected my credit. Paid over XXXX in charges and penalties for an item that I never received and for the lack of professionalism and protocol that XXXX should of taken. First they never followed up with their procedures on the dispute and then followed up with closing my account. It was through my own efforts that I got things settled directly with the merchant. 
For years this was a battle between XXXX and then the collection agency. It has affected my credit and not to mention put me through the anguish of fighting them with different people who none of them were helpful. 
I request a full reimbursement for all fee 's paid plus money for damages and anguish caused. But most of all I want these XXXX companies deleted of my credit report. 
XXXX / XXXX Account # XXXX & XXXX XXXX XXXX My report does not show that I owe them because I needed to show some what of a positive report but never the less they still show on my report and it has affected me in obtaining loans with higher interest rates and not being able to qualify for a mortgage loan. 

Please humbly review all my letters and the facts and restore reinstitution because no one else should be subject to all of this anguish and pain brought by one company who had til this day not taken any responsibility. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX
My XXXX yr old son clicked on an icon on XXXX XXXX, my credit card was charged XXXX. This is not the first time it happened the first time it happened I filed a complaint with google, they refused to issue a refund. I took my banking information off their site. I don't know why my banking information was still being retained after removing it. I again filed a complaint for the latest purchase letting them know I did not authorize it. Again they refused to refund my money. Google is doing something illegal with people 's banking information. I have since filed a complaint with my bank and will be filing with other agencies as well. They also have the incorrect last four digits of the debit card information, in their refusal email, but the correct one on their site which I have since removed.
4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED
Hi My name is XXXX XXXX, I currently have a auto loan with XXXX XXXX, I have had many problems with this bank with info being report as well as communication errors with the staff. 
Currently there is a missed payment on my credit report, and because of that my score has taken a huge hit and no matter what i do will not get any better. I've disputed multiple times with both bank reps and the credit bureaus to no success. According to Safco i missed a complete payment on my auto loan and that is inaccurate i have never missed an payment. I have been late on account but never past 30 days. or without speaking with a representative first due to me being in military its times when i am in field training and can not have electronics which causes me to make payments after due date but per multiple agents with this company no payment has been missed that would fit there reporting policy to be late. I already had one report corrected through this company because inaccuracy. This is not fair. I can not move forward with anything else in life as far as housing and possible vehicle upgrades due to this account reporting the missed payment which is not accurate. all the bank can do is send me a payment history and i understand what there systems may say but the info is inaccurate and its just not fair that i have to continue to take the hit for something that is not true.. Ive made all the payments on this account accept one that was an arrangement Other that payment ive made all of my payments, even if they were made after due date none were ever made after the 30 day reporting policy
Wells Fargo Home mortgage is my mortgage company, it is more than a year ( 16 months ) i am trying to do loan modification, in order to reduce reason able payment to pay the monthly mortgage payment, they ask me to provide all my income like, W2, two years tax returns, bank statements and transcript of Tax return ( 4506-T ) several times, they always said we didn't receive the documents but i have fax confirmation, all the documents i send them. Finally all the effort and aggravation and time I spent went in vain, they refused and denied my loan mod, not on income base but other Merritt ( five years they can not do my loan mod ). I am hundred percent qualify by in come wise. I have humbly request to you please help me out to get the documents I am requesting to get from wells Fargo, the document I want from them are dispute of debt and validation of debt, Tila request, request for accounting. 
I sincerely, appreciate your help and support in this matter, because i no want to loose roof from my families head and go to no where. 

Sincerely, Yours XXXX XXXX
Hunter Warfield is attempting to collect a misrepresented amount. They are trying to collect interest, fees and other charges on top of the amount that was originally owed. This debt is a joint debt. I sent Hunter Warfield a letter in which the XXXX XXXX leasing office signed paperwork for me to move out to a different apartment. I disputed this charge and sent XXXX XXXX a 30-day demand letter to which I never received a response. This letter was emailed and sent certified mail.
ACS, the student loan company is reporting my loan as past due for the months of XX/XX/XXXX and again for XX/XX/XXXX. Payments for both months were made in a manner that would ensure the payments would be made before their 2 to 3 day processing period. The payments, however, were never posted and the student loan company proceeded by reporting me and damaging my perfect credit standing. Calls to the company go unanswered and my credit disputes are never resolved.
Creditor Information WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
I am a victim of Identity Theft, my name was used to open a XXXX account and XXXX cable account. I contacted both companies, disputed the accounts, both creditors provided me with letters stating they acknowledge the accounts were fraudulent and would notify the bureaus to remove the inquiries. On XX/XX/XXXX I mailed a certified letter, tracking number XXXX, including my police report, DL and proof of address advising Equifax to remove this. Equifax failed to remove the inquiry. On XX/XX/XXXX, I again disputed the XXXX and a XXXX inquiry off my report and Equifax again stated the inquiry is factual and told me to call the creditor. I already included copies of a letter from XXXX clearing me of the debt in XXXX and a letter from XXXX XX/XX/XXXX showing I contacted the creditor, yet am being told to contact the creditor. 

Equifax is failing to complete an investigation timely and accurately, they are impacting my credit rating and reporting items that are fraudulent to my files.
I received a Perkins loan through XXXX XXXX College several years ago. I am still a XXXX XXXX XXXX and the loan should be in deferment. <P/>XXXX XXXX College forwarded the loan to ACS campus products and services in order to service the loan and I am now receiving letters that my loan is in repayment and past due. <P/>I have tried contacting ACS customer service SEVERAL times via telephone and they do not respond to any calls. I am left waiting for a representative while background music plays and states " thank you for calling, your call is very important to us. Please stay on the line and your call will be answered in the order it was received. '' After 15 minutes the line goes dead and the phone call is ended. This is consistently. Over 10 phone calls. <P/>I have also tried contacting XXXX XXXX College financial aid. Apparently, XXXX XXXX has outsourced their financial aid phone calls to an answering service. I have called 4 times and have spoken to 4 different individuals who do not know anything in regards to handling this. Two representatives have even told me to contact XXXX XXXX financial aid ... which is exactly how I got to them in the first place as all XXXX XXXX financial aid calls are handled through them. I asked to be transferred to a supervisor - which they said they could not do. I asked to be transferred to someone in the actual financial aid office at XXXX XXXX college and they said they do not have the ability. I asked to speak to the dean of financial aid and they do not have that information. <P/>I called XXXX XXXX college 's general information number and spoke to an operator who stated they only had the same phone number as I did in regards to financial aid and confirmed that the calls were being outsourced. I asked to be transferred to the dean of financial aid and they were not able to do that either. <P/>I am basically unable to get information on my loan and unable to provide information to process a deferment. <P/>I find it to be in extremely bad taste that XXXX XXXX college has chosen to outsource such a critical department to a third party in which sensitive information is held, given, and provided and that they do not have a way to handle students concerns such as mine with direct assistance from somebody at the XXXX XXXX financial aid office. <P/>I also find it to be extremely concerning that a loan servicer, such as ACS campus products and services, who is supposed to assist and facilitate student requests on information about their loan has such an insufficient customer service system to the point that it is neglectful and could lead to major financial issues for those who have loans serviced by them by inappropriately reporting late payments and defaults onto credit reports.
My sons loans are coming due with Navient starting XX/XX/XXXX. His payments are going up dramatically and they give no warning about the amount. I 've called several times and complained about it but they wo n't do anything about it. So come next month without any warning his payment is going up to about {$500.00} a month which he ca n't afford. I think it is wrong to not give you ample time to plan for this. XXXX sent us a letter 6 to 8 months ago telling us what the payment would be. Navient does not want to help you in any way.