WillisBack/dataset-financial-user-claim huggingface dataset:
I called Transunion on XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no Transunion score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?
I applied for auto financing with XXXX different entities in XXXX 2016. TransUnion is counting all of them as a hard inquiry instead of counting them as XXXX as required by the CFPB. This is showing a XXXX point drop in my credit score.
XXXX   XXXX  sent me a letter dated  XX/XX/XXXX  asking me to pay a balance of {$140.00} that was a total surprise to me since I do not use their services at all.     I called the  XXXX   XXXX  the last week of   XXXX   XXXX   and spoke with  XXXX  from Customer Care. She advised that the bill was for purchasing 2 phones from them in   XXXX   XXXX   and returning them the same week. I explained to her that I returned the phones the same day I received them in the original boxes because the phones did not pick any  XXXX  signal in my house to be activated. I told her that I called them the week I returned the phones and made sure that I did not need to pay activation fees or restocking fees. Indeed  XXXX  refunded my credit card the activation fees that week.     After some time,  XXXX  told me that she was able to delete the activation fees of {$71.00} but was not able to delete the restocking fees. She told me to wait at leas t 72 bus iness hour for my account to update.     No further communication did I receive from  XXXX  until today. I received a debt collection notice from Convergent asking me to pay the total debt I owe to  XXXX  which is {$140.00}.     I am extremely disappointed and am unable to pay these fees. My credit report can not withstand a collection. I have no funds to hire a lawyer. I do not owe  XXXX  any debt and never received any services from them to pay for. The phones failed to activate because there is no  XXXX  signal where I live. I returned their phones intact immediately after speaking with them and documenting that I was not able to activate the new phones. I paid for their shipment back.      XXXX  Account Number :  XXXX  Convergent Account Number :  XXXX
AGAIN, I am complaining about OCWEN. They STILL HAVE NOT UPDATED MY XXXX OR XXXX to reflect that I paid as agreed, they updated XXXX because I filed an XXXX dispute TWICE!! I also Sent XXXX Proof of Paid in FULL on my mortgage and It is STILL NOT Updated that the mortgage was Paid in full!!!!!! They got the money XXXX/XXXX/16 ... Over 30 days ago! I also requested an audit of my payments since I was forced to send the XXXX EXTRA at closing for escrow, No DETAIL What that is for! I paid 2016 portion of Prop taxes AT closing, I PAY home owners insurance Out of Pocket ( Renewed XXXX XXXX, so it should NOT be for that ) Where is THAT Money?? What is it for?? I paid over {$2000.00} EXTRA in XXXX AND in XXXX And extra in XXXX ... .WHERE IS MY MONEY?? WHERE IS MY INFORMATION??? They FORCED me to sell with FALSE foreclosure warnings and Mis application of funds ... .I WANT ANSWERS!!!
Discover card willfully misrepresented their intentions in order to obtain payment on my account.On XX/XX/XXXX Discover card called me and stated that if I made a payment that day that it would prevent my account from being suspended. I agreed and made the payments as promised. On XX/XX/XXXX they suspended my account contrary to our agreement. Discover misrepresented and lied in specifically to deceive me. I called Discover and they acknowledge that they misrepresented their collection process but was unwilling to offer any resolution. I understand I owe the money and was working to keep them in good standing but I question the legality if not ethics of intentionally lying to the consumer.
I have been with Granite State Management for a few years now. I just learned that I may qualify for Public Service Loan Forgiveness, so I decided to have my information reviewed by XXXX XXXX to see if I qualified. I submitted all of the documentation to XXXX XXXX. First off, I received letters from XXXX XXXX that I did not re-certify my loans this year. This was incorrect. I had completed all of the forms, but XXXX XXXX never received my info from Granite State Management. Granite State closed my file without transferring all of my info over to XXXX. I have had my loans in an IBR and ICR for years now. The two agencies do not speak to each other. This program is a scam. Thanks for nothing!
I have been contacted numerous times at my place of work from a debt company - they call themselves ARSI. They call from the number XXXX. They do not include any information in their message about what debt is owed. To my knowledge I have no outstanding debt ; I have excellent credit and pay all of my bills on time. 

They have been calling me for several months, and during that time have sent no formal letter in the mail detailing why I am being contacted.
I an writing in regards to my credit balance with XXXX XXXX XXXX. I currently have a maximum credit limit available to me of {$800.00}, which I have owed over {$790.00}. However, I have paid this credit card down to {$280.00} and this amount has not been reported on my credit report. Therefore, my credit card utilization is incorrect and reflects inaccurate information ... which has reduced my credit score.
I am the cosigner of my daughter 's loan. I realized in XXXX she was not making all payments on time, and at that time I contacted The National Collegiate Trust, and told them as the cosigner, I needed to know when payments were not made or were late. I asked for notification to be sent to me. To date I have NEVER heard from them. How can I make something right when I do n't know there was an problem? 

In XXXX, my now ex-husband and I filed a chapter XXXX and I do realize student loans are not covered, and they were not to contact me either while in bankruptcy. I just assumed my daughter wpildhave continued to receive bills, but she said she never did. 
I received my final decree for the bankruptcy in XXXX of XXXX. At that time I contacted my credit union so I could refinance my house. My credit scores were in the XXXX 's and XXXX XXXX. The mortgage manager contacted the senior underwriter and was certain I 'd be able to get a loan. In two weeks time my credit took a dump because of the student loan. Again I have heard nothing from them! 

My daughter was issued court papers and chose to ignore them even after I told her what to write, but I was not given any information about court papers. 
She was issued a judgement today, and the original {$13000.00} is now {$29000.00}. I was not named in the suit and have not received any information about past due payments. I found this out when I went on line to check my credit again and found missing and late payments for National Collegiate. I really do n't understand how I can make something right when I do n't know there is anything wrong. My daughter may, but not always, say something but it is always after the fact. 
It is WRONG that the cosigner is not made aware of what is going on!
There is a Care Credit ( Synchrony Bank/GE Capital ) settlement agreement and the number on the form,XXXX goes to an automated voicemail saying that the resolutions will be completed by end of XXXX quarter 2015. We are now in XXXX quarter of 2015. No one is available to speak with me regarding my claim. The post card I received in the mail was very vague and said I " may '' get a refund check but, did not clarify the exact status of my claim. There is not another contact number or address that I can find. I feel they are not communicating properly about the agreed upon claims.
XXXX XXXX  XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed
U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance.
I enrolled at XXXX XXXX XXXX on XX/XX/2016 in the XXXX program. 5 weeks later, on XX/XX/2016, the school closed permanently without notice. A letter was posted on the school 's website informing all students and staff that the school had closed. When I enrolled, I had to get a private loan, from the school, that they are saying I am now responsible for, even though I never even finished one term. I never received one credit from the school, as we were still 3 weeks, from finals. When I contacted the loan company, they said there was nothing they could do and the loan had to be paid back because they gave the funds to the school. When asked should n't the funds been sent to me and I sign the check over to the school, I was hung up on.
I pulled my credit report and found out I had a negative remark on my report for {$25.00} from XXXX XXXX XXXX XXXX  opened X/XX/11. I dispute this charge.
Hello I have asked Experian on XXXX different time to investigate the FRCA 609 FEDERAL LAW act in which clearly states that me the consumer have the right to asked them to provide me a copy of my original signature and documents on XXXX different accounts they have failed to provide me with any of the accounts they keep sending back to me its been verify I have yet to see anything. right now they are in violation of the fcra section 609 / 616 and 617 fcra act! I wanted to file a complaint XXXX One bank XXXX XXXX XXXX XXXX XXXX XXXX ALSO ALL credit inquires that
On XX/XX/2018 I missed making a Citi Card payment because my father passed away unexpectedly. Citi Card contacted me that week and let me know I missed my payment and asked if I was in a position to make a payment. I said yes and made a payment over the phone of {$150.00} which was over the min amount due. The balance on the card was at a little over {$500.00} and my credit line was {$3300.00}. Without my knowledge or any notification Citi Card reduced my credit line to {$770.00}. When I called today ( XX/XX/18 ) to see what my outstanding balance was I then found out they reduced my credit line. When I spoke to the 1st customer service rep I was told the reason why my credit line was reduced was because XXXX  showed I was seriously delinquent on another account I told the rep this was completely wrong and I wasn't delinquent on any accounts. When I told the customer service rep this information was wrong I was told to file a report with XXXX   but there was nothing they could due, I asked to speak to a mgr. After going through 3 different depts. and speaking to 6 different  people I finally got to XXXX ( employee number : XXXX ) in client service escalations. He told me he reviewed my XXXX   credit report and agrees there is no negative reporting but the only was he would be able to restate my full credit line was to take my annual income and monthly rent/mortgage amount, complied and gave him both. He asked me to hold and came back after a few mins and said that even though Citi made a mistake he was unable to fix the mistake and restate my full credit line because my debit to income ratio was to high. I explained to him this mistake it now effecting my credit score and could negatively effect in other ways and what is he going to do it help, he told me nothing. I also explained to him that this was the 1st time I was ever late on this card and the reason I was late was because I was dealing with the death of my father. He said unfortunately there was nothing he could but put a note in the file and a supervisor MAY or MAY NOT review the file and MAY or MAY NOT call me back. I let him know I expected a call back and I was filing a complaint with the CFPB
Hello, I have noticed that I keep getting debt XXXX on my case about hospital bills, however I signed up last year to a thing called XXXX through XXXX and it was supposed to pay for anything that my insurance did n't cover/pay for. They even told me I was approved for the charity care and still continued to send me bills. When I went up to the business office to talk to them about it they told me that I was approved but did not give me any paperwork stating so. When I called Apex they asked for such paperwork and I do not have any to give. If they would like to call the business office and talk to them about it they can if they want. I tried calling a couple times and got no solutions.
Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?
Opened a account at Wells Fargo had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told well Fargo report me to check systemFor suspected fraud? I 've been trying to get corrected XXXX now ca n't get a account anywhere!
I made a payment to XXXX XXXX Mortgage that was drafted from my XXXX checking account on XX/XX/XXXX in the amount of {$4700.00}. Pacific Union is stating this was return for Non Sufficient Funds. However, the money was drafted from my account and I am attaching my checking account statement that proves that the money was indeed drafted and never returned. The funds have not been returned to my checking account and have not been applied to my mortgage. I have called about 20 times and get a different answer every time I call. I opened a complaint with the XXXX and Pacific Union replies with irrelevant information such as previous payments, current  balance, etc. I supplied them with the same checking account statement I am providing during this complaint and it clearly shows the funds were taken out of my account and not returned.
I received a threatening phone call on XXXX XXXX, 2016 at XXXX from a voice recording message saying- if you do n't answer the phone or return our phone call legal actions will be taken against you immediately including your personal resident where you reside and your vehicle. If a payment is not give before XXXX today you will be arrested by your local authority. I asked who am I speaking to the representative ( XXXX XXXX ) insisted on saying NP group several times after I kept asking what does NP stand for. I had to google it just to see what NP stands from. I 'm not sure what kind of debt it is but it 's very scary to receive a call like that and all they want me to do was verify the last XXXX of my social and I did n't provide that information. Once I disconnect the phone he repeatedly called over and over until I blocked the number. XXXX called and left several threatening messages saying. You will be in jail by XXXX unless you answer my calls today. At one point I asked him where is your company located he stated-I ca n't give the information to you unless you give me your last XXXX digits of your social.
On XX/XX/17 I wired {$5100.00} to Coinbase using the reference number they provided me with in my account. My bank confirmed they received the wire the same day. 

I have opened numerous cases with Coinbase, with the first being about 5 days after I wired the money. I have explained in the cases that I never received the wire into my Coinbase account and have included all pertinent information in the cases including wire date, the Federal Reference # and the wire amount. The only responses I have received from them generally come weeks later and are generic responses saying we believe we have resolved all wire issues across our site and you should have your money now. 

I am unable to get a resolution from them or even an update on potential remedies on this matter even though my cases have been escalated to the highest priority.
My husband lost his job and only received one month of unemployment benefits. During this period we reached out to our lender XXXX to see if they could offer us a modification. They sent us an application and we received a letter dated XXXX/XXXX/XXXX and our new trial period plan would start on XXXX/XXXX/XXXX in the amount of {$1200.00} which is a difference of {$340.00} from the original payment of {$1600.00}. We completed the 3 month period and would call XXXX on the status of the modification with XXXX XXXX the relationship manager for the loan account. She indicated to us to continue making the {$1200.00} payment and just just waiting for the final docs. We continued making on time payments up to XXXX XXXX a total of 9 months. We did not receive a call from XXXX just a letter stating " Interest Rate and Payment change schedule from 2 % to 4 % on XXXX/XXXX/XXXX in the amount of {$1600.00} and on XXXX/XXXX/XXXX to 4.75 % {$1700.00} P & I only! That is huge difference of over {$500.00} a month compared to the {$1200.00} included taxes and insurance. The reason we not got the final was they were waiting for the rate to take affect which we were not aware of but they XXXX should have complied with what they offered us in the first place to modify our loan. We are currently 11 months behind at the present moment. XXXX has since transferred the loan to Rushmore Loan Management services which they have failed or deny our modification because of our income.
Bayview Loan Servicing foreclosed on my home of 16 years on XX/XX/2018. They locked me out of my home in XXXX, without notice, because I was unable to live there due to damage from hurricane Harvey. They stated it was an abandoned home, although Bayview was well aware of my situation. 

I had an as-is cash buyer who wanted to close on XX/XX/XXXX, but Bayview refused to pull my home from the sale. They had stated it was up to the foreclosure attorney, which turned out to be false. The day of the sale, I was advised it was because the contract has to be provided to them 10 days in advance, but this had not been communicated to me. There is a long list of lies ( Bayview refers to it as they miscommunicated to me ), but it's a moot point right now. 

Bayview refuses to provide me with the purchaser information so I can retrieve my personal property that was not damaged by the hurricane. Besides some clothing, collectibles and unique furnishings, there are urns with remains, legal and tax documents, etc. There is also my vehicle. I am 500 miles away, have several health issues and restricted driving, so it isn't as if I can just hop over and get everything. 

I advised them I would be filing complaints over the handling of my foreclosure and the missing items after their people went in and locked me out pre-foreclosure and was told to call the police!
Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. 
I have not authorized those charges.
When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.
Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks.
I have been with Wells Fargo for over 22 years. I went onto the mobile app today and saw one of my accounts were closed without notice. So I called them and they confirmed they never sent out any notifications and just closed it on XXXX XXXX. They also said they can't reipen it. What options do I have? I know closing accouts affects a credit score and this was wrongfully closed. They said it was due to inactivity but if I was notified I could have transferred money into it. Please Help!
on XXXX/XXXX/2015 I deposited a check for XXXX dollars a standard hold was placed on the check. An additional hold for XXXX dollars was also placed on my acct. overdrawing my acct. by XXXX dollars. The branch manager has told me this is standard practice however I am being assessed fees every time a purchase made on XXXX/XXXX/2015 clears. The check had writing on it for bankruptcy/moving expense 's and I feel this was a malicious act by the teller. I have deposited other checks of equal sums and not had a double hold placed on them.