WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2015, Experian sent me an email after I setup a credit monitoring service provided by the University of California, XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I was notified by XXXX and XXXX XXXX that my private health information had been compromised. 

Experian 's email to me stated that my credit score had recently changed, and that I should visit their website to learn more about the problem When I clicked on the link in the email Experian sent to me, and using the reputation of the Experian brand name, Experian requested that I provide my credit card number for the purpose of " checking my credit ''. Experian then apparently used this information to start a subscription service, beginning in XXXX, 2015, for {$21.00} per month. 

I neither approved, nor intentionally subscribed to Experian service. 

I contacted Experian on XXXX/XXXX/2015, and requested the service be cancelled and two months of " subscription fees '' be refunded. The Experian tracking number for this case is " Dispute and Cancel Membership XXXX 

On XXXX/XXXX/2015, Experian responded to my request via email and declined to refund the previous subscription fees. 

I am therefore filing this complaint. Experian used their brand reputation to start a subscription service that I neither agreed to nor approved.
Back in XXXX my home was XXXX and checks were stolen. Fraudulent checks were written and are now reporting on my credit report. There are a total of XXXX checks reporting. The collection agency is Account Liquidation Services. I have provided them with forgery paperwork. All XXXX accounts are still reporting on my credit report and my credit score is being impacted by this. I am requesting that the accounts be removed from my credit report as soon as possible.
PURCHASED A TV FROM SEARS UNDER A 0 % PROMOTIONAL HAD PAYMENTS AUTO PAY WHEN THE PROMOTIONAL EXPIRED I WAS NOT NOTIFIED THE PROMOTIONAL WAS ENDING GIVING ME A CHANGE TO PAY THE BALANCE INSTEAD THEY CHARGED {$1700.00} TO MY ACCOUNT FOR BACK INTEREST. I FOUND OUT WITHIN 30 DAYS. I ASKED TO PAY JUST THE BALANCE THAT WAS DUE BUT THEY HAD TOLD ME NO THERE WAS ONLY AND 20 DAY CRACE PERIOD. AND I WAS PASSED THAT. I DID NOT FIND OUT BY STATEMENT FOUND OUT ON LINE LOGGING IN BERFORE PAPER STATEMENT WAS RECIEVED.
I have disputed this account on many occasions with XXXX, XXXX and Transunion and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting
I was part of the Trans Union glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response.
Hi, My account is blocked due to identity verification which not allows me to sell or buy any virtual currency. I can not do anything on my account on coinbase since it keeps asking me to verify my identification. I already submitted my driver license and it got accepted. However, coinbase still requires me to complete the personal information which I had tried to complete with my information but it kept saying that " could n't verify my account, try again in the next 24 hours ''. Also, the quiz question made no sense and not related with me. For example, the quiz gave me a list of cities and asked me what city that had XXXX XXXX How do I suppose to know what city has XXXX XXXX? And why coinbase used this kind of question to verify my identification when there was nothing relate with me. And since coinbase kept asking me to try again in the next 24 hours ; in another word, coinbase locked me from performing any activities on my account, including but not limited to, selling, buying, withdrawing, etc. I currently have {$6500.00} in the account and all I want is my money back. I do n't want to do business with Coinbase anymore. Please help me! {$6500.00} is a big money for me, I just want my money to pay for my tuition fee.
We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments.
Today XXXX/XXXX/XX/XX/2015, I contacted Stellar Recovery XXXX to resolve an acct my husband has outstanding. My call was directed to an employee named XXXX XXXX. Upon initiation of this call with XXXX XXXX I asked to see if a check had been received, that was sent out XXXX/XXXX/XX/XX/2015, to settle the acct in full. From the beginning XXXX XXXX tone was condescending and demeaning. He XXXX informed me the acct had been settled and then immediately retracted his statement saying that it was not settled because the company no longer handles the acct and any check received will be declined. He further stated, in his words " That 's why you should make payments over the phone when we call ''. I asked for clarification as to who now handles the acct now. He did not immediately relinquish this information, which then lead me to ask for his name and to speak to his supervisor. At this point XXXX XXXX began to berate me in a unprofessional/unwarranted tone. He told me a supervisor was not available to speak with. I then asked to speak to another employee, to which he did not agree but threatened to terminate to call. After approximately 5 minutes of back and forth with XXXX XXXX requesting to speak to another employee I informed him that I am 8 months pregnant and did not need any extra stress.
As a service member in the United States XXXX when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days. <P/>Termination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 ) Military persons who live in rental  property are allowed to terminate leases entered into prior to a period of active service. It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm use, or other similar purpose, where the person leasing the property later enters active duty in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a permanent change of duty station ( PCS ) or to deploy with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent. <P/>In XXXX 2014, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises. <P/>To this date, there is a collections account on my credit report for {$3300.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere! I have attempted numerous times for the past 2.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service members!
Tried to get free credit report, was unknowingly signed up for their monthly service ; was charged {$1.00}, which they claim they can not refund in spite of the fact that I called them immediately ( no more than 5 mins ) after I created an account on their site. The charge is only {$1.00}, which is small enough that most people will ignore. However, thousands of people do this and thus the credit company makes a lot of money by cheating you out of a buck. They also offer no way to delete an account, I was told I can only " deactivate '' an account and they would not absolutely confirm that my account and associated information ( including credit card info ) would be deleted.
on XXXX/XXXX/16, I did bill payment from XXXX XXXX serve to U.S bank for auto loan in amount of {$370.00}. XXXX XXXX serve account show my payment was clear on XXXX/XXXX/16, However U.S bank still not received this payment according to U.S Bank. I been call the Both XXXX XXXX and U.S bank almost 2 months regarding this issue. 
Still not resolve. please help me to resolve this issue. 
Thank you.
My personal financial information was exposed and otherwise made available to thieves by Equifax who did not maintain their on line databases responsibly and sufficiently to avoid their being hacked.
After my credit information was compromised by the state of South Carolina we were offered free credit protection for one year. We opted for the protection so that no credit could be issued to me unless I was physically present. A few months later ( today, XXXX XXXX ) I visited my local verizon store to get a cell phone plan. XXXX needed to verify my credit in order to determine if a deposit was necessary. XXXX used equifax to verify my credit. 

At the XXXX store I called Equifax and requested that they allow a credit inquiry. I verified all of my personal information and they agreed to lift the freeze on my account and provided me a confirmation number for the action : 1. After the first call at XXXX the freeze was not lifted from my credit and my XXXX application would not go through. 
2. After the second call tHe equifax rep said that they would now lift the freeze. 
3. After the third call the equifax rep said their system was down and to call back in 30 minutes. We waited and called back. 
4. after the fourth call the equifax representative said that their system was rebooting and requested that we call back in one hour. We waited the time and then called back. 
5. After the fifth call they said the same thing. So we waited an hour and called back. 
6. After the sixth call they said that their systems were up and the credit freeze was lifted. It was not. 
7. After the seventh call ( now XXXX XXXX ) we were transferred to XXXX who works for equifax in XXXX in the XXXX. XXXX simply said that the credit was unfrozen and that XXXX could call some other number. XXXX called and also got no where with equifax. 

Equifax literally held my credit hostage. They cost me and my daughter an entire day 's work. My daughter 's time is worth $ XXXX and while I am retired my time should have a reasonably equivalent value.
I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.
My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted BOA in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that BOA would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.
Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.
We bought a pathfinder ( used ) from XXXX Dealer. After fixing the price, they told us to wait due to system glitch with XXXX. At the finance table, they increased the price of the vehicle and forced us to take fiance from Nissan Motor Acceptance Corporation. They charged us unreasonable percentage of interest without based on any credit rating. Every XXXX Dealer is using the same tactics to grab the customer and charge the rate of interest of their own wish and Naming Nissan Motor Acceptance Corporation. Looks like Nissan Motor Acceptance Corporation is also including in this scam. Dealers does not provide us available options and if someone find out they increase the price of vehicle.
I bought my residential property in XXXX with a mortgage, hazard/wind insurance and flood insurance on the entire property. In XXXX I took out a home equity loan with Bank of America, also on the entire property. XXXX insurance has always provided the flood insurance, though the agents servicing the loan have changed over the years. In XXXX, XXXX my local XXXX agent abruptly left the company. My flood insurance was due on XXXX/XXXX/XXXX. I could not pay it because my local agent had left XXXX and the new agent could not access the database containing my records.As soon as he could get into the records, he called me. I gave him my credit card payment over the phone. He verified the mortgagors on the account, including the Bank of America. He said he would notify both and he did. However, I got a letter from Bank of America saying my policy was " cancelled or expired and acceptable evidence of coverage was required. '' I sent a copy of my declaration page. I got a second letter with the same wording. I sent a second copy of the declaration page. No other response. I noticed a fee of {$1100.00} had been charged to my HELOC account when I was reviewing documents in connection with a loan modification I was requesting. When I called Bank of America about it, I was told the charge was for a separate structure that I added to my property that had to be covered by a separate policy. I explained that no structure had been added and asked to talk to a supervisor. The supervisor informed me that the flood policy was not even on a residential property and that the insurance requirement was different. I called my ( new ) insurance agent who assured me that the policy was indeed residential and that nothing in or on the declaration page said otherwise and that everything was still covered. I have been going back and forth with different employees of the Bank of America. Every time I talk to one of them they come up with a different explanation for why this duplicate insurance on my property has been force placed. It is a single property with several buildings that I bought in XXXX. It has been taxed and insured as a single property since then. A permitted shed was added in XXXX and both insurance companies ( XXXX XXXX for hazard/wind and XXXX for flood ) were notified with no problem. The same insurance remains in place since before the HELOC was initiated in XXXX. 

The property is not two separate properties. They are attached by structure, utilities and a single septic tank. I rent part of my property for vacationers and must keep a separate address for the county so they can get mail and so I can pay tax on the rent. but no structures have been added. The same loan with the same provisions has remained in place, but I now have force placed, extremely expensive, DUPLICATE flood insurance policy on my property. Please note, THERE HAS BEEN NO PROBLEM WITH THE PRIMARY MORTGAGOR OR WITH THE HAZARD/WIND POLICY on the same property. 
This duplicate insurance fee needs to be removed back to XXXX/XXXX/XXXX but I can not get relief from the many Bank of America representatives I have talked to over the last several months.,
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthousesXXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. XXXX still reports XXXX. Equifax still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
I lived in an apartment building for a little over 1.5 years. I paid a security deposit, and upon moving out was sent a bill for an extraneous amount of repairs to improve the apartment to a condition better than the original state of the apartment I moved into. I consequently contested the claims in writing via certified mail. The property management company sold the debt to a collection agency without a valid claim to the debt owed. Prior to the debt being sold to the collection agency, I wrote to the landlord, within 10 days of receiving the claim, disputing the charges and requesting money back from my security deposit, per Florida statues. I did not hear back, and the debt was sold off to the collection agency. My concern is that this will impact my credit score, and I have been diligent about maintaining it.
I HAVE TRIED TO FIX THIS PROBLEM ON NUMEROUS OCCASSIONS WITH THIS COMPANY. THEY CLAIM TO HAVE PURCHASED MY DEBT FROM XXXX BUT HAVE YET TO PROVIDE VALIDATION OF DEBT. ANYBODY CAN FILE A JUDGEMENT AGAINST AN INDIVIDUAL. THEY HAVE SENT THIS DEBT TO SEVERAL DIFFERENT ATTORNEYS AND HAVE SENT NUMEROUS STATEMENTS WITH DIFFERENT AMOUNT OWED. THEY HAD TWO ATTORNEY OFFICES GANGING UP ON ME AND SENDING FALSE STATEMENTS WITH DIFFERENT AMOUNTS. IN 2015 XXXX XXXX ATTEMPTED TO GARNISH MY BANK ACCOUNT I REACHED OUT TO AN ATTORNEY AND AGREED TO NEGOTIATE THE DEBT EVEN THOUGH THEY DID NOT PROVIDE PROOF THEY OWNED THE DEBT AND AGREED TO A SETTLEMENT {$100.00} A MONTH FOR 10 YEARS TOTALLING {$10000.00}. I PAID THAT FIRM FOR ALMOST 3 YEARS AND NOW THEY ARE OUT OF BUSINESS. WHEN I ATTEMPTED TO CONTACT THEM THEY ARE NO LONGER IN BUSINESS. THEN I CONTACTED RESURGENT AND NOW THEY ARE SAYING THEY SENT TO ANOTHER COMPANY BUT HAS NOT SENT A LETTER NOTIFYING ME OF THAT NOR HAVE THEY SENT AN ITEMIZED STATMENT OF WHAT IS OWED. NOW I AM ATTACHING A COPY OF SEVERAL LETTERS FROM THEM STATING I OWE OVER {$40000.00} PER THE ATTACHMENT INDICATE THAT THIS DEBT WAS NEGOTIATED TO {$10000.00}. YOU AND YOUR AFFILIATED COMPANIES ARE VIOLATING THE FDCPA LAWS AND FCRA LAWS.
I have tried numerous times to resolve an inaccuracy in th way an account is reporting with Transunion, XXXX, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
My student loans are through Navient. The payment plans are unreasonable. There is no way I can pay my monthly payment. The payments are always changing. I 'm not sure what I am paying for. I tried consolidating my loans, but was hit with a failing job market. The school I attended has closed down and I cant even get my transcript to start more classes to get a better paying job. The loans are constantly rising as well as the interest rates. I currently owe {$31000.00}. My loan has went into default without any knowledge. Was never told the true cost of forbearance or even how my loan has reach the amount of {$31000.00}. They never offered the IBR payment plan. This has caused so much interest. I can not pay this loan with my income. I can not benefit from this loan or the diploma program because the school ( XXXX XXXX XXXX ) has closed and this makes the program void. With this much debt and program of study I cant utilize, I will never pay this off, because I wont make the money to pay it off. I cant get a decent job because I have no college diploma because the school is closed. yet I 'm still being billed XXXX dollars. This company has did so much to students and consumers trying to take everything making it impossible to live a life. I can not benefit from this loan the school is closed and I am so lost and drowning in debt.