WillisBack/dataset-financial-user-claim huggingface dataset:
This is a formal complaint against XXXX located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon
Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX  was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
I made a purchase on a Sunday with XXXX. Hour 's later i canceled the order and never received the order. Here is a copy of the transaction XXXX XXXX, XXXX Pending* XXXX XXXX. XXXX WA XXXX XXXX {$150.00} I have called both XXXX and Citibank. XXXX stated over a week ago they refunded the charge as i canceled the order on the same day and gave me a refund confirmation number of XXXX. This charge was cancelled and i am still being charged for an item i never received. 

Citibank bank lied to me and stated they would do a three way call and then transferred me to another department that said that was not true and they do n't do three way confirmation call 's. 
I then was forced to cancel all my accounts with Citibank.
Our family has been going through financial difficulties due to my employment loss and my  XXXX  veteran husband having many health problems and  XXXX  in a las t 4years. W e have made attempts to get loan modification from our le nder ( Chase Bank ) but  have n't got anywhere with it. So we have decided to short sale our home and try to start new chapter renting out. We got short  sale specialist  realtor/agent helping us with a short sale transaction. We have signed sale contract with people that gave us cash offer for purchase of our home. Appraisal has been done alone with all other required details by lender. And suddenly couple weeks ago we received Notice with  XXXX   XXXX ,   XXXX   foreclosure sale date. Lender has send communication to our short sale agent last Friday  XXXX   XXXX , that they have submitted file for approval/decision on a short sale offer. However they are not postponing the foreclosure sale date. We are very worried about what will happen to our family. We have  XXXX    XXXX    children living with us. My husbands health been declining and he is dealing with a possibility of another  XXXX . He has served 25 years in  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   and had     XXXX  - XXXX      XXXX   in a last 4 years due to   XXXX   he received in tours in a  XXXX   XXXX . Our Lander well aware of our family been military family and my husband been   XXXX   XXXX    XXXX  veteran. It 's beyon our understanding why they are not trying to help and do n't postpone foreclosure date, especially since we are at the last stage of short sale pending approval.
I am repaying my loans under th e Public Service Loan Forgiveness  program and was trying to get information from my lender on which plan would offer me the lowest monthly payments while still qualifying for PSLF.     In  XXXX , I was told by a Fedloan Servicing representative that my best option would be to go on a standard repayment plan, rather than an income-driven plan. I was told my monthly payments would be {$570.00} and that those payments would qualify for PSLF.     When I received the terms of my new plan, the monthly payment was {$960.00} and the payments will not count toward  PSLF be cause I was placed on  a 128-month repay ment plan instead of a  120-month  repayment plan.     I contacted the company and they said they would attempt to resolve the issue withi n 10-14 da ys. However, even in the best-case scenario, in which I receive the {$570.00} payment initially promised, I will have to make the higher payment of {$960.00} in  XXXX     2017 an d that payment will not qualify for PSLF.
XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
I have had trouble making payments on my Macy 's credit card. I do all of my payments online and Macy 's is the most troublesome. They offer a payment tab on their store credit card online account profile but the site is almost always blocked. I tried from several sources to complete this request and then resorted to calling them at their customer service line XXXX @ XXXX, only to hear a message stating that I should call during regular business hours. Making it this difficult to make a payment is their standard memorandum operandi. I now have to go back to paper billing to have a consistent and reliable way to pay my bills.
went truck shopping for a certain truck which was a XXXX XXXX XXXX or higher. found car stars on XXXX of a XXXX XXXX XXXX XXXX XXXX fully loaded sunroof navi the works in stock forsale at this lot., i called i spoke with XXXX , invited me in too view the XXXX XXXX. i have all documents for proof also. im not a car expert i have very little knowledge about cars/trucks. The truck had no sunroof as described in ad. but that was ok. i purchased the vehicle as an XXXX model which is the middle class of the XXXX. i thought i got a good deal until i went too XXXX dealer for an oil change they made me aware of the true model of the truck which was the lowest model of the XXXX for that year, the dealer charged me for the XXXX version when i had the XXXX version cheapest model. XXXX i paid for down payment. contacted the dealership and made them, aware of the findings they told me i was wrong and that my information was wrong and that it was an XXXX model. it was not, i sent over paperwork stating what the truck was and how can we work this out. dealer didnt want too make new terms for vehicle at correct pricing, so i returned the truck a few days later.. i was told no one gets too ride for free after bringing a vehicle back too cancel deal so i was charged a rental fee and damage to the left side driver rear view window that had a scuff on it from sitting on the lot for several months. dealer on refunded me XXXX out of XXXX for rental fees and a mirror that was already scuffed up when i purchased. i was charge more taxes then usual missing paperwork, miles were submitted wrong to finance company to recieve more monies for the truck and it was not even the correct truck trim that was submitted, if it were the would have not loan that amount. its alot of fraud being done at this car dealer.
credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my XXXX removed from all 3 credit bureaus, as i have spoken with all 3 credit bureaus, and they respond with the statement " we have validated this XXXX XXXX with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
On XX/XX/2018, I received a bank notice that unless real estate taxes were paid by XX/XX/XXXX, my home ould be put up for a tax sale. ( The notice was dated XX/XX/XXXXbut not received until XX/XX/XXXX. This is the same day the bank took action ). I usually pay my taxes late and have never had a problem before. 
On XX/XX/XXXX I went to the bank to get a cashiers check. The teller could not do it. The manger came out and said my home equity account was frozen as the bank paid my taxes. I went to my town tax collector and they said they did not receive my taxes and they did not send a notice to the bank. If I paid my taxes that day it would have been approx {$13.00} less. 
I went to the parking lot and called the bank. After speaking to more XXXX and then XXXX XXXX was pushed to a third party. A woman from the executive branch informed me they sent the payment on XX/XX/XXXX and my account was frozen. 
I have been at my same branch for over 35 years.. From XXXX XXXX to XXXX to Wells Fargo . I have 6 accounts with Wells Fargo and have NEVER had an issue before. My accounts were always paid. 
Now I find that besides my account being frozen, they have ruined my credit score I went from very good to poor. They also debited my account on XX/XX/XXXX while the check did not get to the town until XX/XX/XXXX.
Collectors falsely told people they were being sued article, without verifying debt the companies pressured consumers
I have a conventional, fixed-rate mortgage with SunTrust Mortgage. They have an escrow for my city/school taxes and homeowners insurance. When my homeowners policy was being paid for, SunTrust paid out the amount of the policy twice - one to the correct insurance company and one to the incorrect insurance company who I do n't have any business relationship with. I 've notified SunTrust of the mistake immediately on XXXX XXXX, they acknowledged that the payment should not have been issued twice, but since then I 'm not able to get the incorrectly issued payment refunded to my escrow account. Phone customer support is not helpful and makes continuous mistakes in handling my issue. Numerous times I was given promises of customer support to call me back, but was only called back twice. I 've escalated the case numerous times but as of XXXX XXXX there is still no refund. I 've asked to talk to the SunTrust Mortgage management, and was told that they would call me back - but they have not called back. I 've filed a complaint with the customer service in SunTrust, but they just closed the complaint form without contacting me and without any comments about the complaint resolution. The customer service that I 've received is terrible - SunTrust Mortgage paid out money from my escrow to a completely unrelated company but is not refunding me that money.
My loan was held by Sallie Mae and I was able to make payments online using XXXX. This was useful because I lived overseas and did not have a US bank account. Navient then got rid of the online payment option and would not allow me to pay with a credit card. I had multiple conversations with Navient employees where I tried to explain my situation. They were never helpful. I asked if I could make one yearly payment ( to save on bank fees ) or when I needed a deferment to explain that I couldn't prove unemployment using their forms but had equivalent documentation which I sent. On each ocassion, the Navient employees, while polite, were unable, or unwilling to help. Eventually the loan was referred to a collections agency which has only been slightly better. I had the distinct impression that Navient were not interested in my particular circumstances or even in getting payment. Their inflexibility and lack of customer service made it very difficult.
i recieved an auto loan from afs acceptance and in XX/XX/2016 i totaled that car in which i did not have gap insurance on and now they call me everyday demanding payment that i can not afford the auto insurance did pay a potion of the loan. they also send me text messages and the tell me they are going to take me to court and garish my wages and if they can not get ahold of mme they call my daughter and aunt and they have also called friends of mine. I explained to them that i am in finanical hardship and can not afford to pay what they want. they have also asked told to give them debit card numbers so they can take the payments when they need.
I received a e-mail form XXXX XXXX about a Pre-Approved loan for debt consolidation. This e-mail was sign by XXXX XXXX XXXX Loan Officer. The scam or fraud was to get money out of my account or the bank using bad checks. Union Bank XXXX Fraud Management did a XXXX investigation for the bank and fixed the blame on me but the checks went through the bank and they did not put a hold on them plus the bank do not have a system to check for a bad check. The scam was to put checks into my account and for me to return there money through XXXX. The bank close my accounts and I could not pay my bills for the month XX/XX/XXXX. I am sending you all of the information for this case so you can see if you can do anything for me. Union Bank still want me to pay {$2000.00} for XXXX checks.
on XX/XX/2016 i purchased a guitar and amp from guitar center using XXXX XXXX using an 18 month promo. one year later i purchased another guitar. for a 6 month promo. i never was late or missed a payment. i spoke to them when i was charged XXXX in interest. they said they deferred the payments all on the second purchase. so they charged me interest on the first one two. i had already paid interest on the first one so they charged me twice for interest. isnt this illegal to pay interest twice. they said there was nothing i could do. so on a used guitar that cost XXXX i got charged XXXX interest. and they were sorry. this company is so shady, greedy, and has such unethical business practices they need to be stopped. how can a company charge you interest twice. my XXXX yr. old son is so upset because he knows i already struggle financially on XXXX. he feels its his fault. i told him not all banks operate illigally. check out their practices you will be shocked at what they do to people.
I have attempted several times to get my credit report from transunion. I sent in proper id and still am unable to receive my report from them. This is affecting me in obtaining credit.
XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( XXXX XXXX XXXX XXXX with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.
Disputed before was removed after a couple of months being reported again. I have a attached letter from company stating that it will be removed
I went to www.XXXX.com and filled out the online form. But I did n't receive a report from them.
I disputed with Equifax and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with XXXX but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX? ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!
I purchase a XXXX XXXX from XXXX back in XXXX! I had the car for over 12 months, i decided to refinance the vehicle with XXXX on XX/XX/XXXX so i can get a 4 door, at the time i had a 2 door .... 
I sat down with a XXXX rep to refinance the vehicle .... I SPECIFICALLY TOLD THE XXXX REP, I ONLY WANT TO USE XXXX XXXX TO REFINANCE THE VEHICLE, because at the time i had XXXX XXXX ... 
He stated ok, so we proceeded to finish the paper work.. I get home to find out that i have 6 inquiries on my transunion report, so i returned back to XXXX to fix the problem. 
They apologize to me & wrote a letter stating that it was their fault ... 
I then mail the letter to transunion on behalf of XXXX, transunion said its nothing they can do.. They inform me i would have to write a letter to the companies that had the hard inquiries listed on my credit report.. 
So emailed the certified apology letter that XXXX gave me, i received nothing ... I need help getting unauthorize inquiries of my report
. When you go into your chase account and make a future payment to any chase product you do not have the ability to see pending payments in the account that the payment is being made from. You can see other future pending payments for non chase payments though. Chase has decided that you should only see pending payments for their products in the account the will be credited not the account that will be debited. Chase can not and will not show their customers a true representation of what will be occurring in their checking or saving accounts. Most consumers have multiple accounts with chase. Such as mortgage, home equity loan, credit cards, car loans, student loans and so on. If you share bill paying responsibility with a spouse you will have no idea if a pending payment has been made from your checking or saving account. You must scroll though the multiple other screens to each product to see what is going on in your checking account. Why ca n't you see it in your checking account? OVERDRAFT FEES. And late payment fees. Why would they take your ability away to actually tell what is going on in your account. It is all about fees. As a consumer we should be able to see our accounts online and to be able to see all debit activity and all pending debit activity for all payments in those account. we must be able to reconcile what debits will be made from your accounts for all activity and not just activity chase feels you should see.
I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there.

My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX  TV and other paid apps are also connected to that account.

The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US.

I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.
I HAVE BEEN APPLYING FOR MORTGAGE ASSISTANCE WITH MY SERVICER, BSI FINANCIAL. BSI HAS ASKED FOR THE SAME DOCUMENTS ON XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX, 2015. EACH TIME THE DOCUMENTS WERE SENT TO BSI. THE DOCUMENTS ARE : 2 MONTHS BANK STATEMENTS, XXXX MOST RECENT PAY STUBS, AND HOMEOWNER 'S DECLARATION PAGE. IN A LETTER DATE XXXX XXXX, 2015, BSI ASKS FOR THE SAME DOCUMENTS AGAIN THE LETTER IS ATTACHED. ON PAGE XXXX OF THE LETTER IS AN ADDRESS AND FAX NUMBER FOR XXXX, PA. ON PAGE XXXX IS THE ADDRESS AND FAX NUMBER FOR XXXX TEXAS . IN A PHONE CALL WITH BSI ON XXXX XXXX, 2015 AN ENTIRELY NEW FAX NUMBER WAS PROVIDED. BSI IS UNABLE TO PERFORM BASIC OFFICE FUNCTIONS AND ACCOUNT FOR DOCUMENTS THEY RECEIVE VIA FAX. WHAT THEY CAN DO, HOWEVER IS SCHEDULE FORECLOSURE SALES. BSI SENT A REPRESENTATIVE TO MY PROPERTY WHO POSTED A NOTICE OF TRUSTEE SALE WITH A FORECLOSURE SALE SCHEDULED FOR XXXX XXXX, 2015.