WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX  credit report in error. 

I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. 

The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. 

The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. 

Please register my complaint and contact me. 


Thank you,
Equifax has information that is formatted incorrectly, the date on the Bankruptcy is incorrect. My credit report shows a date filed date of : Date Filed : XXXX/XXXX/XXXX Which I believe it is causing the information to stay on my credit report longer then it is required. Please refer to page XXXX on the attached document.
I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. <P/>Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. <P/>I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 )  XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. <P/>I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.
I set up scheduled payments for both of my Comenity Bank cards, XXXX and XXXX as I always have ; however they did not take the scheduled payments. I checked my history and confirmed that I did indeed visit both sites which resulted in a one time payment confirmation. I feel their system malfunctioned and they are trying to get additional fees from me. I see numerous similar complaints and other that are very disturbing however given recent action against Comenity it is pretty clear they are not very honest. I have also emailed their CEO and President.
SPS LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have an approval from SPS for the previous buyer ( issued on XX/XX/XXXX and good through XX/XX/XXXX ). This buyer backed out at the last minute and we submitted a new offer on XX/XX/XXXX to SPS. SPS had acknowledged receipt and has been telling us for the last TWO WEEKS that the offer is under review. Now, all of the sudden, they are refusing to work on the new offer claiming the auction date is too close. In previous conversations with SPS they stated the full package and offer must be submitted more than 37 days of the auction date ( XX/XX/XXXX ) so that there is time to review for the approval. Instead of reviewing the offer that was submitted more than 37 days prior to the auction date SPS is now making up new numbers and claiming the offer has to be in within 47 days. 



-- -- -- -- Our new offer was submitted WELL before the 37 days prior to this auction date and SPS is STILL REFUSING to review the new offer. Its not as if we were asking SPS to re-view completely new terms - the buyer can close very quickly as it is an all-cash offer AND the terms for the new buyer were exactly the same as the old buyer. 


-- -- -- -- When pressed on the date discrepancy between the 37-day rule and the new 38-day rule, SPS came up with a flimsy excuse, saying they wont review the new buyer because they were working on an extension for a previous buyer and were unaware that that buyer had walked during the extension review. I find this to be disingenuous at best because as soon as we knew about the new offer, we told SPS and provided them with another offer the same day. There was no hiding of any facts or deception by us in regards to the status of the buyer. 


-- -- -- -- ****Additionally it is important to note that the ONLY reason the extension was requested in the first place was due to the other THREE LIENS with the FTB and the IRS , on the property, which we have already started work on getting removed so that we can close as quickly as possible. In fact, the IRS has already issued their release, and the FTB is only days away from issuing their release letter. Both releases are at NO COST to SPS nor the homeowner.

-- -- -- -- Normally, SPS approval letters allow 45 days to close. SPS only  gave 30 days on this one. WHY???? Is it because he's XXXX? 


-- -- -- -- I want the new offer to be reviewed. There should be no issues or further delays, as the terms of the offer are the exact same as the ones SPS already approved. We may need a small extension to the approval letter itself, in order to obtain the THREE Lien Releases from the FTB and IRS there is nothing we can do about this-we cant make them disappear. ************* HOWEVER, we will close prior to the auction date of XX/XX/XXXX we just need an approval for this new buyer.
The Post Office returned my mortgage payment with a certified letter, stating on the envelope returned to sender, no mail receptacle, unable to forward. I called Select Portfolio Servicing, as soon as I received the returned certified letter, but the office was closed. I waited until Monday, next business day ( XX/XX/2017 ), and I made the payment by phone. I 'm checking today XX/XX/2017, and the payment had not been submitted to the bank. As far as I 'm concerned they are trying to defraud me. I 'm never late with the payment.
My issue is with XXXX ( website not working and costs $ $ $ ), Transunion ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .
I signed a promissory note stating I would get a loan reduction down to  XXXX  dollars a month. Every time I get a bill it 's higher and higher.
Equifax displaying a old XXXX XXXX I account information incorrect and account should be remove. Says I 'm 30 days late when account has been closed for years and account was paid as agreed. Also says monthly payment was {$72.00} which is completely inaccurate. My payment was never ever {$72.00} and I never made a payment of {$72.00}, This account has several inaccuracies and should be removed. Equifax refuses to correct or verify account. They also have n't sent me information on verification of account with XXXX XXXX which I asked for.
I worked at Macys I received a pre-pay account where I would load money onto the card before making a purchase now I do not work at Macy 's and I 'm getting billed for the remaining of the balance on the card that I never paid off. it 's a balance less than {$100.00} and I 've been paying $ 10- {$20.00} a month to get it paid off for the last three months now I get about 10 phone calls a day after I already spoke with the supervisor and told her to stop calling me they call me numerous amount of times at work and they call me as early as XXXX XXXX in the morning. Not to forget as I mentioned above I have been paying some money per month. It 's getting ridiculous at this point
XX/XX/XXXX at XXXXXXXX i received a phone call from XXXX XXXX from XXXX XXXX XXXX saying they are calling to collect a debt of $ XXXX from a pay day loan i got back in XXXX. I asked them to send me paperwork something in writing and she replied that my opportunity for " discovery '' was over and she would send the police to my job and they were going to garnish my wages. I tried to explain that the debt was paid and i could prove it and again was threaten with send cops to my job. She also said she would be contacting my boss at that point I asked to speak with a supervisor and was told that i was speaking to the supervisor and she hang up. Same day at XXXXXXXX   she called my job and told her there was no need to call my job she had already spoke with me and she yelled " ill just call corporate '' and hang up. I checked my past emails and the debt was completly paid besides {$15.00}. How does {$15.00} turn into {$4000.00}. When i called back to try to inform them of this i was immediately placed on hold for 30 minutes. Around XXXXXXXX same day my brother calls me informs me XXXX XXXX XXXX had just called him. Why would they call my brother when they had already spoke with me? I have tried to call this company and they must have caller ID because i call the phone picks up no one says everything and im placed on hold. Cant believe companies are allowed to behave like this.
I have attached the letter from Experian and I have asked them to remove XXXX XXXX for years. Additionally XXXX XXXX is trying to collect on a XXXX XXXX credit card that was paid, I have no idea how this happened as we continued to pay on some cards after the Chapter XXXX was filed ( which discharges credit card debt as a requirement ) but we chose to continue paying on the cards, our boat, car, etc .... 
After numerous attempts and written requests to Experian we are asking that Experian change its attitude as they need to be willing to reach out and verify information no matter how many times I request it. 
Again, ALL XXXX XXXX debts, including our car loan we had with them, were satisfied. 
Experian is by far the worst, the other XXXX reporting agencies are polite and helpful. 
Thank you.
At the time I borrowed the money the company was XXXX XXXX. I was told over the phone that when I borrowed the money it would not accrue any interest until after I graduated college. Just as long as I did n't be out of class for no more than 6 months. At the young and vunlerable age of XXXX, I did n't know any better. After graduating in XXXX of XXXX ( in school from XXXX XXXX XXXX ) I was unemployed and unable to find work, so I joined the XXXX at XXXX in XXXX of XXXX. Right about the time my previous loans were coming due. I was told I could put them in forbearance for a period of time without getting into trouble for a certain amount of time ( I ca n't remember how long they said ). At this time, I took out an additional student loan to put myself through the XXXX because frankly I did n't have any money. Fastforwarding to graduation of the XXXX in XXXX of XXXX, I was again told I had 6 months until my loan payments were due. In XXXX or XXXX of XXXX, when I finally looked into repayment of my loans, they had been accruing interest of ungodly amounts. My {$13000.00} or so of principle balance had grown to over {$30000.00}. This was devastating news to me. At times, I asked for lowering my payment and they said they could, but by this time I had learned my lesson of not to trust them. After investing, all I would be paying was straight 100 % interest. My principle would not be reduced at all. So I kept toughing it out. In the past 3 1/2 years I have paid almost {$15000.00} and I still owe {$22000.00}. As a matter of fact, I paid {$3500.00} on XXXX loan of 13.675 % today. Please help me and many like me. 

Regards, XXXX
On XX/XX/18, I used the banking service XXXX to purchase {$470.00} worth of products from another individual. I determined the purchase to be fraudulent following several attempts to collect the product, one attempt being to request the product again as a different person. When the individual connected with me as a different person and tried to sell the product to me, I knew that I'd been scammed. I immediately contacted my bank - Wells Fargo, to stop the purchase or dispute the transaction. After being bounced around by two local branch bankers and three times through the customer service line, I was told that the  transfer had already taken place, and there was nothing at all that they could do for me.
MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/X/2017 ( documents attached). Come to find out that the last 2 payments made of XXXXXXXX on XXXX XXXX and another for XXXX a week after that (receipt of payments with confirmation # s uploaded)  XXXX-XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
I received a bill from the tax assessors office stating that the taxes on my property had not been paid and are over due, nearing litigation phase. I promptly call to confirm and indeed they had not. I asked if the interest and fees can be waived and they can not, stating that just because you do not receive the bill does not mean anything, it was still my responsibility to pay the taxes. To avoid further fees I paid the tax bill with penalty and interest in full. I then called PHH mortgage company to as they reimburse me for the penalty and interest fee and they needed to see the paper work. I sent them all the paper work I had and said I should hear back by Friday ( now Monday ). I did not hear back so I followed up the following Tuesday. Which is when I was informed they would not reimburse me for the incurred fees. The problem being that the property being a duplex which I reside on one side of ( but own both sides ) has two parcel numbers. It has always had two parcel numbers, but the escrow just pays one account. Both parcel numbers have been on the previous year billings. Long story short they only paid half of the property taxes and will not reimburse me for the charges which arouse from their mistakes.
Transunion was notified by me in reference to some inaccurate accounts on my credit report. I have notified Transunion priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for TransUnion is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
Contacted my mortgage lender back in XXXX for a refinance at this point I disclosed to them that I had a soft second lien on the mortgage, they said it should not be a problem, they ordered the appraisal. I had the appraisal done and they said that it would not work because it did not come in high enough. I asked if I took my husband off would it work they said yes. They proceeded with the refinance, 2 weeks later the loan officer told me I would need to pay off a debt that was in collection. I told him I didn't have that sort of money and was on a payment plan. He asked if I had a 401K, I replied yes he said you could take that out and pay it off. I took a loan out against my 401K to pay off the debt. I asked the loan officer several times if this would work becuase I did not want to pay this off if it wasn't going to work. He assured me many times. I received a phone call approximately 2 weeks later from another loan officer stating that it was not going to work because when they pulled the title the soft second showed up and wouldn't allow the refinance to go through. I became very upset because this is exaclty why I disclosed this information at the very first phone call. I now paif {$150.00} appraisal feel and took money out of my 401K which I have to pay back monthly. I am now in a worse situation financially than I was previously. I asked them what was going to be done because I was told repeatedly that it would work. They said they would get back to me and of course no one did, I then spoke to someone in customer service and they said they would get back to me and no none did. Today I finally heard back from someone and they said there was nothing they could do. I asked who would be held accountable for this mistake? I received no answer. I was deceived and lied to and put in a financial situation because of someone's mistake. All of their calls were recorded and they stated that everything I stated was true.
The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called XXXX in XXXX XXXX to make the final payment but could n't until they had received the account in house. It was n't until XXXX XXXX that we could make the final payment which we did on XXXX XXXX, XXXX. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting an open collection on this same account that has already been paid. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico score to drop XXXX points and has caused an extreme hardship for me and has damaged me financially. This is illegal and wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Sometime in XX/XX/XXXX I began a Loan relationship with this Finance company called : One Main Finance Co. in XXXX, NC, and I did have a couple of successful small loans with them, and I paid them off in full, but at some point in XX/XX/XXXX I had decided to make a large amount purchase and therefore I needed at least {$5000.00} so I decided to go along with a secured loan project with One Main, which involved signing over my vehicle owners title, for my XXXX XXXX, XXXX as the security for the loan. I did receive the loan and committed to making my scheduled monthly all on time from that point up and through the better part of this year, XX/XX/XXXX, until I had a pretty bad automobile accident that totaled the XXXX, and the Insurance company for the responsible party paid for total value of the car directly to One Main, since they had a lien on the car anyway, which paid off most of the remaining balance owed from the title loan, but One Main refinanced my loan for which turned into a unsecure loan at that point. They continued to hold a lien on the car, as of today, but they had refuse to tow the disabled vehicle away from my parents property where it was sitting following the accident. Around this same time frame of the accident I also was in the middle of a bankruptcy proceeding which finally was concluded, in my favor, that also relieved me of any further payments owed to One Main. But afterwards, I was advised, following the overall exposure about my involvement with One Main and a title loan, in NC. The statement was made to me from a couple of un-official sources, that title loans were outlawed and illegal in the state of North Carolina!? And when I posed the burning question to One Main, and the ( XXXX  ) XXXX XXXX XXXX of Indiana ( the source I had to file my complaint to because One Main is Head Quartered in Indiana ), I get no answer from One Main, or the XXXX, just the runaround it seems. And One Main with all their deceptive information and out right lies, misinformation, rude and unprofessional phone conversations and false documents, upon lies leaves me wondering still, is it illegal for One Main to   practice, perform title loans in the state of North Carolina??? ( now this question is for XXXX?? ). If so, then I feel like with all I went through, and the entire financing episode with One Main, the high interest, etc .... they owe me some type of refund of my money, if not all of it!!?? Please advise!! 

Thank You, XXXX XXXX XXXX
I NOTICED THAT XXXX XXXX  PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. Equifax has the police report and refused to remove it.