WillisBack/dataset-financial-user-claim huggingface dataset:
An unauthorized line of credit was opened up without my consent. Someone has been using the line of credit, and also set up a monthly automatic payment from my Wells Fargo Checking account into the Wells Fargo line of credit. I have filed a fraud claim with Wells Fargo, but they have denied my claim. There were XXXX large deposits made into my checking account, and then transferred to the line of credit. The deposit slip was signed, but it is not my signature. Wells Fargo has copies of my signature, which doe snot match the XXXX signatures on the deposit slip. Wells Fargo insists that I made these XXXX deposits and are using this as a reason to deny my claim. I have asked for the Wells Fargo to review video tapes since they claim the deposits where made in a branch, and they have refused.
On XX/XX/XXXX I went to my local XXXX to load some money on my XXXX XXXX card for an online purchase. I would like to note that Ive done this countless times and never had a problem. I asked the cashier to load {$90.00} to my card and I was charged a {$4.00} service fee. The cashier took my money and I received a receipt for the transaction which shows the last 4 digits of my card as the card the money was loaded to. The money never showed up in my account. I have contacted XXXX XXXX more times than I can count and they keep telling me I need to wait longer for the issue to be resolved.
I sent letters to Equifax about XXXX XXXX XXXX hard inquiries date of XXXX/XXXX/2015 and XXXX/XXXX/2015, which I did not authorize and I never received a response. Neither have the inquiries been removed from my credit report.
Last year approximately XX/XX/XXXX I paid Mariner Finance a lump sum payment of around {$3100.00}. This was for the purpose of paying off my loan. I considered the matter closed. However, it has come to my attention that there remained a balance of {$87.00}. Now they insist that I owe them {$540.00}. I was unaware that the amount did not match the payoff. I have talked to them at length regarding the issue. I received no emails or regular mail regarding the issue. They claim everything is done with paperless billing. I never set up a paperless billing account?? They have acknowledge that it appears my intent was to pay the loan off in fullbut are telling me my only option is to pay the {$540.00}. I asked why this wasnt reported to the credit collection department and they said because I was paid up till some time in XXXX! So, the account is actively open, Im not late, and no payment is due till some time in XXXX?!! 
THIS IS SOME SHADY LENDING!! PLEASE HELP ME!
I purchased a car aprox. XXXX/XXXX/2014. The dealership mistakenly put Wells Fargo Dealer Services on the title. The beginning of this year the car was unfortunately totaled, now my insurance company needs a release of lean to process my claim, but Wells Fargo Dealer Services will not give me the release of lean, even though there is no lean on the car.
Person called and identified herself as XXXX from XXXX XXXX. Ordered that I provide SSN. I told her I would not verify personal information without knowing the nature of the call, the name of the company, the reason. " XXXX '' said I had no problem spreading my personal information all over the internet, said I was being sued, and used profanity before hanging up. I attempted to call back XXXX times and she hung up on me. She then proceeded to call my daughter on her cell phone number and told her I was being sued and needed to call, she called my son making the same claim, and then called my sister-in-law. My sister-in-law said that " XXXX '' left a message saying I was filing a law suit against someone and she was trying to get in touch with me. I do not know how this person got any of these phone numbers other than they are all on the same phone plan. I have no idea what she is talking about but I do know her actions are in violation of the FDCPA. I was attempting to call her back to get more information and she refused and said that I did not work for her and that I needed to pay my bills. XXXX XXXX is using abusive, threatening tactics to frighten people into paying debit they may or may not owe. The number from which she called appeared to be local, which also means that the company is " spoofing '' phone numbers. The number used in this case was XXXX.
I have filed a dispute regarding two old tax liens but was told information is accurate. They have been removed by XXXX and XXXX but TransUnion is still showing them. One from tax year XXXX ( showing as reported in XXXX ) the other is from tax year XXXX ( showing reported in XXXX ). Both have been paid. <P/>According to NYS law - N.Y. GBS. LAW 380-j : NY Code - Section 380-J : Prohibited information ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. ( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; Therefore - both of these are satisfied as paid within 5 years and entry date more than 5 years prior. I believe these should both be removed from the remaining credit report.
I am having the same problems with XXXX as I experienced with XXXX XXXX XXXX and Embrace Home Loans trying to get paperwork for my loan that was lost in the flood. Just got off the phone with XXXX XXXX with XXXX who has stated that if I give them access to my home they will bring a contractor in and repair my home with the money they are holing I asked to have that in writing and was told no
There is a Bankruptcy reporting on my credit report. I have contacted Transunion through mail, by phone and fax on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, requesting them to investigate this error. Each time they have returned their results to the investigation as verified. I have asked them to provide me with the procedures and documentation they used to verify this and they have not. They also have gone as far to say they are not required to do so. I have attached copies of the letter I sent to the United States Bankruptcy Court XXXX District of Georgia and their response letter. Their response letter to me clearly states that they do not provide any infromation to credit reporting agencies.
This debt collector put negitive information on my credit report without my knowledge. I asked them to send information that gives them the right to collect and the contract and the original amount between them and the original bill company. They refuse to show me that. For all i know they could habe bought the debt for XXXX dollars and tring to charge me full price of XXXX. Nothing I have shows a contact that they have the right to this debt. After all this they keep messing with the balance and rising it. There only verification was a copy of the medical information that was from the hospital. Its my understanding they are breaking Hippa laws. I did not give them the permission to view these medical records and what happened in the hospital.
I was unable to repay a car title loan, they repossessed the vehicle and now they are still after me for more fees. The amount of the loan that remained unpaid is the same if not more than what they are charging me for the auction sale of the vehicle they took from me. and they are harassing me at work multiple times a day calling everyone and releasing private information regarding me. and they are very ride to me on the phone.
XXXX XXXX called my job. I was not there. They spoke to my supervisor and did not disclose that they were a debt collection company. They then told her that I would be detained for fraud if i did not contact them. She had no idea it was a debt collector because they misrepresented themselves. She thought I had committed something very serious such as a murder due to the way they spoke to her. She was so scared, she called my phone repeatedly to contact me that i may be detained. I left the facility I was working, because I wanted to resolve the issue. I left work and called to finally find out that this was about a debt. I was so embarrassed that the office thought I had done something terrible.
I 'm filing this complaint against TransUnion because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!
Because I have earned more free air miles than I can ever use, XX/XX/2016, I accepted the offer of Fidelity Investment to take out a Fidelity credit card issued by Elan Financial Services. At the time I opened the Elan account, I completed an automatic transfer form so that any balances on my credit card account would be swept from one of the accounts I maintain at Fidelity that has approximately {$50000.00} at all times. 

Last Saturday, XX/XX/XXXX, I received via US mail a letter from Elan Financial Services dated XX/XX/XXXX. In the letter, Elan told me that " your automatic payment service has been cancelled ... .. '' This was my first notification of this cancellation, even though I received at least three prior messages from lan via email. 

After spending almost an hour on Saturday working on the phone between Fidelity representatives and representatives from Elan, I was finally told that the cancellation of my automatic payment service was the result of an on-boarding problem between Fidelity and Elan. It was stated to me that the account number ( the only account number I have ) on my Fidelity statement from which automatic payments were to be made was not sufficient for Elan to set up/or maintain the automatic payment service. Why it took from XX/XX/XXXX to XX/XX/XXXX for Elan to let me know this, and then by mail (! ) was not something Elan representatives wanted to discuss. 

And the representative I spoke with clearly did not believe in the legal disclosures she insisted on reading to me to effect the one-time payment I made before cancelling the credit card. During this reading, when I was essentially told to shut up and listen, she insisted on my confirming the correctness of an account number that Fidelity had provided on the phone to the representative. This was not an account number to which I had access. 

The Elan representative did offer to waive my late fees!!! But as today, that has not happened. 
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From XXXX XXXX, 2016 thru XXXX XXXX, there were XXXX fraudulent charges/transactions using my Capitol One Visa Business account in the amount of {$19000.00}. All charges originated from XXXX XXXX XXXX in CA. No one from the Capital One Security or Fraud unit thought anything unusual about these XXXX transactions (!!!!! ), although the balance on my account was never higher than {$500.00}, and was paid in full monthly! I immediately called Capital One on XXXX XXXX, 2016 after receiving a phone call from XXXX asking if I had purchased a gift card online for {$100.00}. THEY ( XXXX ) recommended I contact the Capital One people to report fraud. How is it a potential charge of {$100.00} activated an alert from XXXX to contact me, but XXXX charges to XXXX company in the amount of over {$19000.00} did not alert Capital One fraud or Security! These people need to be held responsible for their lack of attention to abnormal activity on customer accounts! All I received is " wow, we 're really sorry. How did that happen? You of course are not responsible for these charges, but Wow! You must have fallen thru the cracks ''. This attitude does not leave me with any sense of security from Capital One. I have been issued a new card.
I have an credit card account with Lowe's/Synchrony Bank. My payments were setup for standard allocation under Manage How Payments are applied. Per that description on their website : " Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration. '' My deferred payment balance was set to expire in  XXXX / XXXX /2018. I had charged many other items to the card for a remodel as a Regular Purchase. I paid off the Regular purchases by moving funds from a HELOC, yet Lowe's/Syncrhony Bank paid off the deferred interest balance leaving the Regular purchases unpaid. This would directly cause me to start accruing interest. I contacted them and the changed a partial payment and did n't seem to understand. They were not helpful. They have left me in a bind as I now will owe interest each month vs. my deferred promotional balance would have had no interest until  XXXX / XXXX /2018 and I would have paid it off by then.
<P/>
I work in a bank and this is as wrong as it comes.
<P/>   XXXX   XXXX
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of  XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.
I have called Trannsuion and sent letters by certiftied mail three times to have 48 inquiries investigated and removed from credit report. They told me to fill out an Identity Affidavit I done that on this website. And sent them the information. I have heard nothing from this website with results and Transunion is still refusing to remove the inquiries, and has not sent me anything of the results from the investigation. No copies of the credit application showing my signature.
I am being sued by a Company UNIFUND CCR Address : XXXX, OH XXXX OWNER XXXX XXXX General Manager : XXXX XXXX, CFO Phone : ( XXXX ) XXXX / ( XXXX ) XXXX UNIFUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T : XXXX ... ... ... XXXX XXXX XXXX UNIFUND is a debt collector which buys bad accounts from USA. 
banks like XXXX, XXXX etc. 
XXXX sold my name and all my personal information to Unifund. 
I NEVER HAD AN ACCOUNT WITH XXXX. 
I called XXXX they could not find anything with my social security in their system. 
I called XXXX, XXXX, XXXX, XXXX XXXX and there is nothing in their system about me with XXXX. Nothing at all. 
Nothing with XXXX in my entire life. 
Now UNIFUND is telling me I have a balance with them total XXXX. My reference number isXXXX. 
Since all this started in XXXX they started garnishing my wages. 
XXXX times a month they are taking XXXX this total are for the garnishing and garnishing fees that they add. 
The Unifund, lawyers office keep their mouth very close. 
So now I am paying for a bill that I never had, and is not mine. 
My personal information : XXXX XXXX XXXX XXXX California XXXX phone:XXXX XXXX email address XXXXXXXXXXXX
On XX/XX/XXXX, I mailed to Equifax via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts Social Security Admin # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 
The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX, Ga. 

To date, I have not received any information related to the above information and report.
On XX/XX/2019 I was notified, by the credit fraud alert that a account was placed on my credit profile with a company XXXX. I have been a victim of Identity theft, and the credit report notifies me everytime someone trys to or, has opened a account. I put this alert on my credit report due to the fact that my roomate had stole personal indentity information, and has been using to open up diferent lines of credit in my name. I filed a police report, and reports with the FTC IC3 and, my local police department. I do not understand how this account was opened because it clearly states in all three credit reports to reach out to me to verifiy any new accounts being open. My roomate stole my information from my home while he was still my roomate last winter in XXXX to be correct. He was using my identity from XXXX to I do not even know for how long as, I have to keep checking my report. I can not belive this is happening to me, and never thought that someone could be as, heartless, and uncaring to do something like this. The event I do not know where it happen I only know when he took my information was tiime he was kicked out for not being able to pay his rent.I have reached out to XXXX, and have tried to file this report like three times now and, it keeps not going through. On the XXXX claim website, and everytime I call I just get transfered around. Also XXXX wants me to show them my ID and, I do not feel ok with this as, I am a victim of Identity theft. If they do not have a copy on file of my ID then pretty much they know it was not me opening up a account. The credit report companys told me to file a police report, and so I filed reports with local police ftc ic3 and, I told each company to put a block on this account as, it was not mine but, they failed to do so, this is against FCRA rules my credit is not something I want to be incorrect, as this makes me look bad, for jobs credit ect.
On XX/XX/XXXX I called XXXX XXXX around XXXX cst. I called to ask about having my account graduated to a no secured account the agent told me thats not his department but my account does not qualify. I asked why and got nothing. After 7 years of having this account with a {$300.00} dollar credit limit and paying a {$29.00} annual fee it wanted a full account. I already have one non secured card with capital One that is 5+ years old. This seems like an unfair practice where others are having their account reviewed within the first few years and I have called to asks and complain muntilple time and get no where. Im not stuck wiH this card because if I close it it will hurt my credit because its been open so long.
On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old. This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX XXXX such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX  XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )
I received a letter in the mail from my mortgage servicer, XXXX XXXX who took over my mortgage shortly after I purchased my house. The letter was dated XXXX XXXX, 2017, but I received it on Friday the XXXX. The letter stated that they did not have information regarding my homeowner's insurance policy. I logged into the website, and it shows that they have the information of XXXX XXXX XXXX, which is the homeowner's branch for XXXX. They also had the policy coverage information as well. PennyMac claimed to not have any insurance information over the phone. I called XXXX to have them fax the policy information. I was told that the policy had been cancelled the month prior in XX/XX/XXXX due to nonpayment. I had to pay out of pocket to reinstate my insurance, which will result in no lapse in coverage with the reinstatement. PennyMac is failing in its contractual obligations and fiduciary duty to manage my escrow account. The escrow transactions show there has been no payment for insurance on my home.There are consistent complaints, and there was recently a class action settlement with PennyMac regarding lender-placed insurance with new companies that charge much higher rates. It is clear that PennyMac has a consistent policy of not paying insurance premiums so it can force a cancellation to justify a lender-placed insurance with one of its "preferred" companies who charge excessive rates and most likely give PennyMac a kickback as some form of referral fee.
I have a Chase Slate credit card. 

I was informed that as of XX/XX/18, my interest rate would increase from 11.49 to  16.74 %. Chase informed me that my purchases prior to that date were protected at the lower rate and that subsequent purchases would be at the higher rate. 

I understand that the CARD act requires payments to be applied to the minimum payment due, then excess funds to be applied to the HIGHEST interest rate balances first, then lower interest rates. In short, I have made purchases of approximately {$1700.00} and payments of {$3200.00} since XX/XX/18, however Chase continues to INCREASE my balance subject to the higher interest rate. They claim it is now over {$1300.00} as of the current statement. 

In late XXXX, I spoke with a manager that agreed that this was an issue with their system and my interest was refunded. He agreed that my balance subject to the higher interest rate should have been about {$800.00}. My minimum payment due was {$240.00}. I then made a {$1200.00} payment and received my next statement ( XX/XX/XXXX ) showing that my new balance at the higher interest rate was now over {$1300.00}. Clearly the application of funds is not occurring per the CARD act, or I've misunderstood the rules. 

On XX/XX/XXXX I spoke with another manager that refused to address any of these mathematical inconsistencies. He further stated that " your payments are to be split between your various interest rates, not just going to the higher rates first ''. This would directly contradict the CARD act and the agreement from the manager the month before ... and everything I've read. He was also unable to explain to me how each of the payments since XX/XX/XXXX were applied, he just kept repeating that " all payments have been applied properly ''. 

My intent was to pay off any new purchases, plus the minimum payment, plus several hundred dollars more each month - and my payments have reflected that AND MORE. However Chase continues to inexplicably grow my 16.74 % balance without explanation or recourse.
Victim fraud I have been trying to get in touch with the equifax agency to report the fraudualent active and indentity thief, have not been to above get in touch with them at all concerning this matter.