WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is on XXXX. 2 1/2 years ago I called XXXX and ordered service. They shipped me the equipment to hook-up and begin my cable service. When the equipment arrived, I hooked the cable box up as directed, but it did not work. When I called XXXX back, they changed their story. Originally, they said a tech visit was unnecessary b/c the home had previously had XXXX. Now since the box did not work, XXXX wanted to charge me for a tech to come out and they did n't have one available for 2 weeks. This made me angry, because they were wasting my time and this is not was I was originally told when I started service. I shipped the equipment back. Fast forward a few weeks later, I received a bill from XXXX that I owed XXXX dollars. It took me literally 10-13 phone calls to XXXX, requesting that this be taken off, or to speak with a manager, etc. Finally after a few months I went to my local XXXX store and was told that they removed the charges, since I NEVER ACTUALLY HAD OR USED THEIR SERVICE .... EVER!! Now 2 1/2 years later, a collection agency from XXXX pops up on my credit report! I never even received a call or letter from either company notifying me of this debt! My spouse and I are literally in the middle of repairing our credit to buy a house. This is really messing things up for us. To make matters worse, when I called XXXX, they can even find our account using our name or phone number or address. What a waster of my time! This company should be shut down! I would n't use XXXX if THEY PAID ME A {$1000.00} A MONTH!! How do I get this debt taken off of my credit report? And can I sue them for falsifying information and lowering my credit score? Thanks.
I have XXXX judgments listed on my CR with Equifax. I was involved in a lawsuit that involved Equifax reporting judgments from Virginia XXXX inaccurately/ The judge ordered that Equifax completely REMOVE these items completely. My first dispute they updated them all to Satisfied. Then I sent the court order and settlement documents from court in and they still refused to removed these items all which were paid and vacated. So I disputed them again and they changed the satisfied to Pending UNpaid. I tried calling and the lady was rude and unhelpful. Furthermore Equifax lowered my score cause I kept disputing. I have a court order for these XXXX judgments to be removed and they wo n't do it. I had no problem with XXXX and they deleted them within 3 days. Equifax is not following judges order for deletion which is why they were sued to begin with due to improper reporting. These judgments have greatly affected my scores and caused me to be denied on a mortgage I would have been approved for if those judgments were gone. I faxed them over XXXX pages of documents and they now reported it negative again. What can I do? My disputes as follows XXXX XXXX XXXX XXXX This is ridiculous and their stupidity caused me to lose my home buying power.
I have made many attempts with this company to inform them of the Identity Theft I have suffer with my credit report. I have mailed in forms of the theft and disputed the account with XXXX, XXXX and XXXX. I made a report with the Federal Trade Commission XXXX. This collection department has refuse to removed this collection from my account.
I Bank with Bank of America. When I am having a check direct deposit into my account, it does not tell me the amount I am receiving from my employer. It says employers name and amount of XXXX cent until it clears. my check was deposit in on Friday morning. here it is Monday and the check still has n't been cleared and I still cant see my amount that was direct deposit in. My other bank tells me the amount shown as soon as a check is direct deposit in. why cant ban of America have this feature as well?
Good evening, I 'm constantly receiving mail and phone calls from Portfolio Recovery Associates LLC in reference to a credit card that I have no recollection of. What 's troubling is, it 's the same lady calling every time. The Merchant is XXXX XXXX XXXX in which I had a checking account but I had poor credit then so I do n't recall having had a credit card from this bank. However, this account is past ten years now. I 've been harrassed for almost five years by the same woman. The bottom of the letter even states " Because of the age of your debt, we will not sue you for it and we will not report it to any crefit reporting agency '' How can I get them to stop harrassing me or can I sue them or her for emotional distress? Their number is XXXX, located in XXXX Virginia. Thanks for your time and help. Be Blessed!
I was trying to set up my uber partner app to only do uberXXXX deliveries. I clearly hit to use my own vehicle and as I was scrolling through and entered my address the next thing I see Is that an inquiry was made on my profile from XCHANGE LEASE LLC. I contacted Uber and told them that something was wrong with the app and it somehow selected I was interested in leasing a car when I was n't and it ran a credit inquiry on me which I did not consent to. I sent screenshots of this ( also will be attached to this complaint ) and also told them to go into my account and try it themselves as it will still direct you to the same page. They did n't care told me they could n't help me and to contact XCHANGE LEASE. I contacted XCHANGE LEASE and was told I did consent to it, ignoring all screen shots and proof I was n't looking for a lease. I am even more than happy to let them try it themselves or to make a video showing the error. I want this credit inquiry removed immediately.
I have XXXX loans with Navient which at any time I have put a forberence on them or allocated them to XXXX monthly payment they have been done in error. There is always XXXX, XXXX or XXXX that have been left off the forberence or allocation. I actually allocated them down to XXXX payment in XXXX of XXXX for the a month of {$110.00} for all XXXX loans ; but started receiving calls beginning of XXXX XXXX. When I finally got ahold of someone at navient and questioned why they were calling it was because 'one of my XXXX loans was past due '. How could that be though?! I allocated all XXXX having made the first monthly payment myself online, with no autograft, in the amount of {$110.00}. Ironically they were deducting almost {$11.00} less from my agreed monthly auto draft therefore making me late on XXXX of my loans. What 's even more ironic is this exact same thing happen to my significiant other. He allocated all his loans a XXXX, in XXXX started receiving calls that XXXX was late.
On XX/XX/XXXX18, my card was charged in the amount of {$100.00} by the XXXX XXXX XXXX In XXXX XXXXXXXX, Oklahoma. 

On a bill that I opened in XXXX, I became aware of this charge and reached out to CITIBANK GOVERNMENT CARD SERVICES on XX/XX/XXXX18 to inform them that I had not made this charge and never booked travel in XXXX XXXX, Oklahoma. I was sent an AFADAVIT to my government email, which is password protected and transmitted electronically using their XXXX form. I completed the AFADAVIT and returned it on XX/XX/XXXX. 

OnXX/XX/XXXX, I contacted CITI to get a status of my dispute, as my card was reported as delinquent. I also contact the XXXX XXXX XXXX accounting department, and they were unable to locate any information referencing my credit card number or a booking for that night. 

I was told that my AFFIDAVIT was never received. I resent my AFFIDAVIT via fax and email. 

On XX/XX/XXXX, I received an email confirmation that my AFFIDAVIT was received. 

On XX/XX/XXXX, my account was closed and suspended, and I incurred a XXXX late fee. 

I reached out to CITI on XX/XX/XXXX and was told that there were no record of the affidavit and that I need to reach out to the government travel office in order to get a refund. I contacted the government travel office who reported having no record of that hotel booking.
I have tried for years to get modification on this property. I sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.
I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX  - EquifaxXXXX XXXX XXXX - XXXX  and EquifaxUnknown account - XXXX on Equifax
Various phone call from Credit Counsel have been received in the last month, on the XX/XX/XXXX a person named XXXX XXXX called me from XXXX requesting a payment from a services I do not recal or recognize company. He threat me on be sue and use abusive language. I do have prove of this in a written email. on XX/XX/XXXX I have received a letter that even its say Its not a threat when I call the company I again receive abusive language and threat from this person, I Requested to be transfer to the person that sign the letter but he refuse and again threat me to be sue.I did write a letter to explain to XXXX XXXX Division Manager but not answer
here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile immediately.
I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.
I noticed my XXXX pension pay was short {$200.00}, I looked up my account and noticed AAFES took out {$200.00} for government indebtness. I paid my remaining account balance, {$3500.00}, on XXXX XXXX 2016. Prior to me paying my account off, my account was current. I talked to a customer service agent and she told me, she do n't know why money was garnished out of my account. She informed me that AAFES submitted a wage garnishment on XXXX XXXX 2016 for {$200.00}, but I made an on-line payment on the same day for {$2000.00} that had n't posted. The XXXX XXXX 2016 for {$2000.00} posted the next day. I do n't understand why a garnishment that supposedly took effect on XXXX XXXX 2016 is just now taking effect until today, after my account had been paid off in full. The garnishment should have never been processed any way. The customer service agent informed me that according to the system the {$200.00} garnishment is not in the system and to call back in two weeks to request a refund. It seems to me AAFES is double dipping by garnishing payments out of XXXX accounts, even though they made payments on-line. I need my money, {$200.00}, back immediately because that garnishment should have never been processed in the first place.
XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, XXXX XXXX 
Report # XXXX Please remove false information from my credit file.
Billing complaint - overcharged, then the outstanding bill was sent to collections agency and hurt my credit. Had a vet check up in XXXX for my dog. Paid bill in full during time of visit as required with debit card. Later on, I got a bill for {$130.00} and I disputed it with the clinic. The clinic claimed I had not paid my bill in full ; despite me doing so before I left the clinic during the time of my visit. They then sent the overcharged, outstanding bill, to a collections agency and hurt my credit score. I was forced to then pay the outstanding amount to alleviate the damage to my credit score. I did not owe this money, I had already paid my bill in full on the day of my appointment.
I was never notified I could release a cosigner when I asked this specifically. I spoke with a representative and asked if I could do anything to get my cosigner name off the loan. This was several years ago. I have an extra girlfriend on my loans as a cosigner and wanted her name off. That is wrong to not notify me that I could release her.
The account is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my FICA score by more than 50 points.
XXXX XXXX 2016 I am filing this Complaint because Paypal 's response to my earlier Complaint ( XXXX ) made no attempt to resolve the matter in question, namely a {$250.00} refund issued from XXXX to Paypal. Paypal 's response was nothing more than a reiteration of the conversations I have had with them over the past several months. 

The XXXX item Paypal requested in their complaint - the email from XXXX indicating the transfer to them of the {$250.00} - was faxed to them on XXXX XXXX 2016, to the fax number they provided ( XXXX ) in their response. The Transaction # XXXX in this email was furnished to your staff in my our last conversation and in my Complaint. 

Paypal, as the financial institution that facilitated, the purchases I made with XXXX has a fiduciary and ethical duty to resolve the refund matter in question. It is their duty, to work with XXXX, to resolve this matter. In all my conversations with Paypal, and per their response to my earlier complaint, noted above, I can detect no such attempt. Paypal 's actions fall short of the actions of all other financial institutions I have dealt with, who have always contacted the merchant to resolve a problem. 

I trust that Paypal will now take the actions noted above, that their fiduciary responsibility requires, to work with XXXX to resolve this matter. 

Further, as you know all purchased items were returned to XXXX shortly after purchase. You can confirm this with XXXX. So the return of the items is a mute point and not at issue. 

As XXXX is a party to this matter they have also been named in this compliant. 

XXXX XXXX XXXX
A women named  XXXX   XXXX  has contacted me numerous times from  XXXX   XXXX   XXXX  phone number  XXXX   XXXX  EXT  XXXX  stating i owe money to a credit card company and she has threaten to sue me. The credit card company themselves have no record of the debt. She also has a women named  XXXX  calling me stating she is a processor out of  XXXX   county  justice civil court and she needs to serve me papers.When i contact the court they have no record of any cases in my name.They have stolen my identity and are trying to get money from me. This is all fraudulent and i have even blocked  XXXX   XXXX   XXXX  number and she still finds a way to call me. This has been going on f or one week  now. Their Address is  XXXX .  XXXX   XXXX   XXXX , NY  XXXX
I got a payday loan from this company, I can not afford to pay back right now and they are sending emails that they are going to arrest me and that I am going to jail. they are also stating that they are going to contact my employer, which I do not want them to do because I can get fired for receiving calls like that.
Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card. 

They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.
wells fargo bank allowed directv to go into my account which was not authorized to take {$560.00} out of my account which they did not have this account number to. the bank can not tell me how they got this account information to take the money out. when they had permission it was stop in XX/XX/2016 they took this money in XX/XX/2016 without my permission if the bank let anyone go into your account without having your information something is wrong with the system.
Ocwen put me on forced placed escrow, {$1100.00}, in XX/XX/2017. I completed the agreement with no late payment, with payment in full for an entire year, so my mortgage was supposed to go back to {$620.00}! XXXX payment was {$800.00} because the agent said there was some sort of " negative balance '' I still owed and once I paid that, which ironically was the final payment towards said " negative balance '', call back in a couple of weeks to make sure the process was completed. I called back, mid XXXX, to inquire. I was told there had to be some sort of evaluation to see if it would be accepted. I stated that I completed my end of the deal so my mortgage should be regular. Also, as a note included on my account was, my mortgage would continue to increase if I didnt take advantage of a refinance option with them. I would rather die than continue any relationship with this company. I spoke with an agent today who stated, all I had to do was submit a written request to be taken off of the forced placed escrow, and it SHOULD go back to normal, once I submit the {$470.00} that I owed for some other " negative balance '' that I had absolutely no knowledge of. I am currently paying {$800.00}, after a deduction, and a review of my account from mid XXXX inquiry!
I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted td auto financial and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took td auto finance almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX   Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX  Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
This is concerning my credit card I have with HSBC. On mystatement dated XX/XX/2017, a payment in the amount of {$2900.00} was due on XX/XX/2017. I made a payment for {$2800.00} on XX/XX/2017. I missed one item that was charged later and did not have a statement. Since my full payment was not received by the payment due date reflected on my billing statement, an interest charge of {$48.00} was assessed on my account. I requested a refund or reduction, because the amount charged for a simple mistake is inappropriate.
I went online to apply for a loan in  XXXX  I was offer  XXXX  dollars. I made my month loan payments based on I was told my month fee would be  XXXX . I 'm thinking that this amount Is going towards the total amount borrowed. Well I found out today that this was not true. That amount was only paying off the 700 % interest rate on the loan which I find ridiculous for anyone! I think these Fast cash place should be shut down. They are not helping in any way, it 's all a scam and  a Rip Off. T hey flood you with so much paper work and fine print that there 's no way to understand what it is your signing up for. I think there all  Rip Offs and Prey on  people that are in need. This economy is shot to  XXXX .. everyone is out to take advantage of the less unfortunate. I do n't know how these company sleep at night taking advantage of people! It 's all a set up to get more money out of people who already need financial help. I myself will never ever borrow money from a cash place and make sure everyone I know to not borrow anything from these types of companies. This is exactly why people do n't trust the banks or any of these companies!
Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.