WillisBack/dataset-financial-user-claim huggingface dataset:
A 30 day late payment was inaccurately added to my Barclays credit card account in XXXX of last year. I called Barclays multiple times and after explaining my situation and how this was inaccurately reported to my credit, the representatives said they would look into removing the 30 day late payment mark from my report. <P/>It has been a couple of months since then and the 30 day late is still reporting on the payment history of my Barclays credit card. <P/>I am very happy with my Barclays account and I intend to keep it open for a long time. I have continued using and making payments on the account. I know I did not pay my account late, I have always made my payments on time. <P/>There should be multiple records of the conversations in the notes for my credit card account.
on XX/XX/XXXX I call to make my normal monthly payment of {$910.00} which was increased from {$900.00} when I tried making the payment through the automatic system did not allow me to proceed with making the payment .... So I call Shellpoint and they told me my payment had increased to {$2400.00} and I ask why so they said my escrow had increase because of a report they hot from XXXX XXXX.. Stating that I owed back taxes and there is a lean in my property ... So I ask them at that time to please overnight XXXX a copy of the the lean and a qualified written report of everything ... I am still waiting. 
After doing some research I found out that there no outstanding taxes that are due. 
I found out on my own that they paid an outstanding water bill of {$1800.00} and charging me an additional {$1500.00} per month. 
So I contacted the NYC water and they are offering a deferred payment agreement up to 10 years ... and because I just had my water main replaced they are also offering a forgiveness problem as well. 
Leans are only placed on 2 family units or more not one family. 
There was no communication whatsoever from Shellpoint mortgage company ... they have also added additional money to my account without notifying me if these expenses. 
{$900.00} up to {$2400.00} is NOT within my budget I seek fairness. 
Thank you.
I cancelled an online bill payment to XXXX XXXX online on XXXX/XXXX/16 ( just the occurrence on XXXX/XXXX/16 ; not the entire series ). This payment was still taken from my account through US Bank 's online bill pay system on XXXX/XXXX/16.
My husband and myself gotten multiple calls from XXXX this past week. I was told that this is for a debt from XX/XX/2009. I was told that there was mail returned to them from an address that I moved from over 9 years ago. I was told that they have filed charges against me and threatened to sue me for this debt. I asked them about the statue of limitations and was told there is no limitations and they can sue me and put me in jail at any time. I told them I am not claiming ownership of this debt and would contact the CFPB for assistance. The last rep I spoke to was XXXX XXXX XXXX at XXXXXXXX XXXX.
XXXX   XXXX   XXXX  sent me to collections for medical bills in the amount of {$1700.00}. These are not my responsibility to pay.     These medical bills are from a worker 's compensation case and I have a CO  XXXX   XXXX  case and court order stating that the employer is responsible for all medical bills due was a result of the injury.     All of the medical providers were given copies of the court order back in early  2012 (  my court order is signed  XXXX   XXXX  by Administrative Law Judge  XXXX   XXXX   ),   yet  one collection agency, United Resource Systems  out of  XXXX  CO, is still trying to collect that debt from me.     They, among other collection agencies, such as  XXXX    XXXX   and  XXXX   XXXX , have been reporting medical bills related to my injury, to the  XXXX  major credit bureaus, which has seriously and irreparable damaged my credit.     I expec t United Resource Systems to cea se and desist all attempts to collect these debts from me, as well as remove these accounts from my credit report immediately.     They are directly violat ing CRS 8-42-101 ( 4 ) by pursuing  me to pay these debts.
NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for {$6000.00} ... once I found out the loan was to be taken out of my checking account 2x a month ( XXXX ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter saying that I can pay off the balance which now is {$7800.00} ... of {$190.00} 2x 's a month???? I had been paying the monthly for a year at least??? and now I owe XXXX more??? This is a company that the goverment should look into ... they are sharks!!!! 
I would recommend that people stay away from this company!!!
I made a fair and totally compensation offer to the original debtor They choose to turn over to collection. I have documentation and an credit card authorization they choose not to charge. It seems like a XXXX business decision to me. I agreed to pay the FULL amount. I WILL NOT deal with this collection agency -- -period. I do not believe they have the whole story or documentation. I want to cease and decease calling me.
XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
From XXXX to XXXX, Equifax Credit Bureau 's security was breached, allowing for 143 million Americans information to get compromised. My information was compromised. Equifax has not offered a solution. Instead of informing victims immediately, they decided to do a press release two to three months after the incident, in XXXX. I have had to place credit freezes with all three bureaus, replace three credit cards, activate fraud alert, and take identity theft precautions as a result. I have also been forced to pay a ten dollar fee to Equifax to place a credit freeze with them, which is upsetting, because I should not have to give them money to fix a problem they are responsible for. Equifax does not have the technological competency to be running a credit-reporting business, and their gross negligence has affected my life, and my family 's life, deeply. Now I run the risk of having my identity stolen, and having to freeze and unfreeze my account for loans/credit indefinitely.
I have purchased and leased 4 vehicles with Honda Financial and at lease termination I would purchase the vehicle. I sent my monthly payments as contracted and never paid late or missed a payment. As I was now at the end of my 4th lease year, and I decided to make an extra payment. I clearly stated that I wanted the extra payments to go to principle. Honda even made me verfity this with a second phone call. However, I was not given a new amortization chart because of the additional payments. So I thought it was an error. I called the company and was informed that they would not change the interest that I was to pay on the loan even though I paid in in advance. I could however take a month off or miss a payment month. I think that was illegal. To add insult to injury, they acted like I was too XXXX to know what I was talking about. So I requested a supervisor and was told that I had to wait for someone to call me back, and that it could take 24-48 hours..I wanted them to lower the payoff amount by the princple balance, not by they contract interest they prepared 5 years ago/ Isn't that illegal? don't I have the right to get a fair deal? Are they taking advantage of an ederly person? 

When they finally called me back, they informed me that they would record my call, but when I also informed them that I would also record the call, they told me they did not agree and promptly hung up on me. Why? What are they afraid of or lying about?
On XXXX XXXX I received a call from a Wells Fargo rep stating that to avoid forclosue on my home I was to pay XXXX by XXXX XXXX. She gave me both the amount and date. I went to local branch on that day to pay and the local rep called in on how to proceed with payment. She was informed that I actually went into forclosue the same date of the phone call. I was then told I would have to be sent a reinstatement letter and pay that by due date. They never sent. I called back again and they apologized and would send another. I got it and it was XXXX more than the initial agreement. I called to dispute as the deal originally was past due payment only, no late fees or anything else. The reinstatement had late fees and attorney fees on it. They then put my account to review for the dispute. Then delayed the outcome of the review at least once maybe twice. When I finally got an answer they said everything was handed properly from their side. Admitted that the original called had given me the dollar amount but said no where on the tapes did she give me that date. Which is an outright lie. I requested a copy of the original call recording and they refused that unless they were court ordered to. If they have nothing to hide why are they refusing? They are trying to pull a fast one on me as they have to many others. It is n't right and I wo n't stand for it. I want a copy of the original recording. And I want them to come to an agreement on the original deal. It will be more now, yes but it should be what was promised in the beginning. All past due payments. Late fees on the back end and absolutely no lawyer 's fees as this is there companies mis communication not mine. I have been trying to pay since XX/XX/XXXX but I wo n't pay what was not agreed upon. Please help.
I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.
I lodged a dispute with the credit bureaus and TD Bank with the belief that not only is this not a valid debt but has also not been reported to my credit report in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017. My major concern is that if this account is to be reported at all it should be done so reflecting good history and a zero balance as it was an auto loan covered with GAP insurance with 84 months coverage in the event of loss.
In XX/XX/XXXX I applied for an American Express for the promotion of XXXX points if you spent {$1000.00} in the first 3 months. When I got the card XX/XX/XXXX there was no paperwork to show my promotion, so I called and they confirmed it was not on my account. They Then opened a case and said 6-8 weeks they would have an answer to what happened. 

I have reached out the them once a week since XX/XX/XXXX to today. It has been escalated 4 times to management and told me it would be another week for an answer. I have been lied to when I signed up for the card and never have gotten any answers on where my points are. I have also asked them to give me the registered name with XXXX to report them and the refused to give me any information. 

I want what I was promised. I have already spent thousands on the card and it has been 6 months of waiting.
I noticed that there were purchases made from my account. I called TD Bank to find out what type of company XXXX was. The representative told me that it was for online grocery shopping. I told him that I never made those purchases and he had me fill out a fraud disclaimer. Hes asking a series of questions as he is suppose to, and Im giving him all the information. After everything is said and done he says, Ok Ms., so the last four of your card is XXXX. I said, No. The last four of my card is XXXX. Then he said, Were you aware that there was a second card connected to your account? And I said, No! I was not aware! How is that even possible? So he cancelled both cards and the next day I closed my account because my account was compromised. I am real sceptical about swiping my card places and will only take out money from the banks ATM. I feel as though this was an inside job because its not like the purchases were made from my account using my card number. These purchases were made from another card connected to my account. Someone should be held accountable.
My Equifax report said I lived in XXXX XXXX. XXXX. I have lived in XXXX. for over 40 years. When I wanted to open a XXXX account I was denied because I answered questions about living in XXXX. wrong. I have never lived there. Tried to call Equifax and could not talk to someone.
In XX/XX/XXXX, I received 4 XXXX Cancellation of Debt form from Chase regarding my private student loans. The forms were 4 loans that totalled {$21000.00} ( 3 x {$5000.00}, and 1 {$6000.00} ). I originally called them onXX/XX/XXXX to get help regarding the issue because the loans that they cancelled are active. They have been serviced up to this day by XXXX and I have been making regular payments on them. The original call resulted in being told to send in a fax with documentation to dispute the action by Chase. I since then faxed the information 3 time ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) Each fax has requested that I be called to confirm receipt, and to get an update. I have also called numerous occasions to their XXXX number. I've asked to speak to a manager about the situation at least 5 times. They have a record of my calls because they refer to it each time I have called. The one time a manager called me ( XXXX ), she said that they did not get any faxes and that I had to be mistaken that my loans were not active. Each time I have recently called, I get transferred to a manager 's voicemail, leave a message requesting a call, and not getting any response back whatsoever. I am now liable for {$21000.00} in income that I have to include in my taxes because Chase doesn't keep accurate records of their loans and tries to get people to pay on loans they don't even own. I feel like I am getting the severe runaround now. My servicer XXXX has been nothing but wonderful, they gave me information about my loans that I used to file my dispute. They also verified that the loans that they have did in fact belong to Chase at one point, but they no longer own the loans. They said they were confused as to why Chase would do such a thing. I now need sever help to get my records straight. Nobody at Chase really helps especially since it's their fault and mistake.
I had XXXX loan agreements with Lendmark Financial in XX/XX/XXXX. I ran into some money issues and both accounts went in default. in early XX/XX/XXXX an judgement was granted in favor of Lendmark Financial and the account was soon charged off. I talked to an Attorney and it was discovered that when the judgement was granted, the account was no longer active. ( In other words the judgement would remain on my credit report for 7 years from that day ). The judgement did indeed stay on credit reports for 7 years and was taken off. However, the items still remain on my credit reports ( all XXXX ). I fell strongly that Lendmark Financial has altered the roll off dates to keep the items on my report. ( the dates do not match on the credit reports ). I have contacted the company and reporting agencies numerous time and nothing was done. To sum it up My complaint is that the judgement was removed after seven years but the charge-offs remained. ( they are offset ) and unfairly doing damage to my credit. I think the charge-offs should be taken off just as the judgments were taken off after 7 years. The judgments actually happened before the charge-offs
I told the creditor that I would get them money when I had money, and they have called up to XXXX times a day while I was trying to sleep. ( I work XXXX shift ) I am trying to figure out a way to take care of the debt, but I am not going to be treated like garbage.
Hello, I have a XXXX XXXX XXXX withdrawal issue with coinbase.com. I initiated the withdrawal on XX/XX/XXXX. More than 3 weeks later, the payment is still pending ( see attached screenshot ). I contacted coinbase 's support - Case ID : XXXX - and received the following response on XX/XX/XXXX : " XXXX XX/XX/XXXX XXXX Thank you for contacting us about this. We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' I replied multiple times asking for an update or estimated resolution time and got no answer since then. Please note that my coinbase account is fully verified and that past XXXX payments went through successfully. Thanks a lot for helping
I was a victim in the recent Equifax hack. I was not notified by Equifax and found out through my own inquiry into the matter.
I started a home mortgage through Homebridge Financial Services XXXX XXXX XXXX XXXX GA XXXX. They are extremely difficult to make payments through their automated phone payment system unless I set up an automatic draft which I don not prefer. I prefer one time ACH drafts as I need to control the date of payment each month as I need to insure funds are available. 
Their system makes it so difficult I had to wait through extremely long and irrelevent bot messages just to get to the phone payment. Then each and every month it looks like I need to re enter my checking account info as their system will not save the info. Other mortgage agenceis can and will do that service. But that 's not the worst of the experience yet. They also require you to enter the payment amount in dollars and cents from your phone keypad even though they now what you need to pay. I had so much trouble with this ( on my second time ever doing it ) that I ended up entering a payment of only {$12.00} when I really owed around {$1100.00} I didnt even get to figure out how Im supposed to do the decimal point on my phone keypad by the time I realized I started a whole other issue now with an XXXX payment. So then I hung up had to do it all over again and waited 20 mins before I could talk to a rep whose best case scenario was to delete my {$12.00} payment and was told I had to wait till tomorrow as the system will only allow XXXX pending transaction at a time. This is a terrible system I feel is designed to create difficulty in order to ensnare the consumer in fees and interest traps. Their phone number is XXXX try it you 'll see its not right. I would also like to add that I started this loan with Homebridge ( and I wont even get into that ) but after my first payment they switched me to XXXX ( who in comparison was exemplary ) They saved my info after the first time and I would call and be done with the process in 5 or so minutes doing one time ACH drafts from my checking account ( also due to less irrelevant bot messages ). Then for some reason I dont know they switched us back from XXXX to Homebridge just a couple months ago. Thanks for taking the time to read my experience with Homebridge Financial Services and I hope it helps them make changes to their system.
Mr. Cooper debited my payment twice on XX/XX/2018. I have been unable to contact anyone at the company to address this.
I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with me.
I previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.
Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
In 2009 we owned 5 parcels of land, we pay all taxes our selves. XXXX took it upon themselves to pay taxes on a parcel that was not a parcel with their mortgage. We sent them a letter explaining what they had done. We received a letter of apology from them. Also a letter from them they received a refund from our tax office, that they received a refund. We have called them repeatedly for years and they keep turning in late payments to credit bureaus. Also letters stating they will foreclose for non-payment. They are charging my scheduled house payment, ( XXXX dollars ) to XXXX dollars a month for nothing. We have always payed our land taxes and our home insurance. We have never been late on our payment. I have requested a mediator from them to fix this they only ignore my request! I do have all documents we have sent and received.