WillisBack/dataset-financial-user-claim huggingface dataset:
I used my Gap card for a purchase of XXXX on XX/XX/2018. I never received a statement from them and I never signed up for paperless statements though it appears I was defaulted to paperless. Since I never received anything, I didn't have a breakdown of what I was paying in interest, fees, etc. I then found it on my credit report and immediately paid the charge. But now they want to charge a 100 % interest fee of XXXX. 100 %!!!?? That has to be illegal. Please help.
On XXXX XXXX, 2016 my request for loan forbearance from XXXX had been approved. I received an email stating that. Since that time I have still been getting charged months with interest and late fees. Navient is completely unwilling to cooperate. " Too bad '' was what I was told when I called. How unprofessional. I 've been bamboozled by a company I did not choose to do business with. They need to be shut down.
I have been dosputing directlly with XXXX, XXXX  and Transunion since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a )  on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time XXXX, XXXX  and Transunion send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had a bad experience at a resort and asked American Express to assist me with a dispute. They initially helped but where the situation got stuck was the representative who was assisting me was out of the office for extended period of times and would not return my emails or phone calls. I finally reached her XX/XX/XXXX and she told me she would contact the manager of the resort and get back to me. As of XX/XX/XXXX, I still do not have a return call or an answer to my numerous emails. I finally wrote to the Chairman of American Express and I received a very disturbing letter in return stating, " They did everything they could and they will no longer correspond with me over the issue, and the manager of the resort will not return their calls. '' I have been a customer for over 30 years with American Express and it is a complete disregard for my loyalty that they let this manager, who is so unresponsive, get his wishes and I get stuck with the entire bill. American Express Executive customer service is a joke!
Transunion is incorrectly reporting an "  XXXX   XXXX  '' account on my credit report.     According to my credit, it was opened in  XXXX   XXXX  for a debt of {$1100.00}.     I have never had any business dealings with this collection company. I do n't know who they are or why Transunion is reporting a debt with them on my credit report.     This is not the first time I have disputed this account, I have sent written disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  to get this removed but time after time, Transunion has dismissed my disputes as frivolous and they refuse to remove this from my credit.     I want to add that Transunion is the only credit bureau who is reporting this to my credit.   XXXX   and  XXXX  have no record of this account. This does not make sense. How can Transunion verify that this account is mine but  XXXX  and  XXXX  can not? Would n't it also be reporting on my other reports if this was actually mine?     I am taking my complaint to the Consumer Financial Protection Bureau because Transunion 's blatant disregard of the law is unacceptable.
I received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.
This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.
I have received numerous calls to my phone number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, in which they are trying to reach XXXX XXXX. I have told them to stop calling me and to remove me from their calling list. Previous times I have been called has been on XX/XX/XXXX and on the XX/XX/XXXX I  returned that call and advised the male agent to stop calling me. During the last call that I returned to them on XX/XX/XXXX at XXXX XXXX EST I advised the agent to stop calling me or I will file a complaint with the CFPB. She said go right ahead and that " collections '' will continue. She never identified me of right party contact. I am not XXXX XXXX spouse I am his sister in law.
In XX/XX/XXXX, my fiance and I, bought a home in the neighborhood where we had been renting for years. We had XXXX son and I had taken a leave of absence from work to be my mother 's XXXX for my mother who was in XXXX, we could n't bare a XXXX for her. After the 3 or 4 years we cared for her and her condition had worsened to the point that all I was doing was breaking down on a daily basis just to make myself keep her out of a XXXX and home with us. It is a situation that no one should have to witness their most loved parent endure. In XX/XX/XXXX, we had a son born after having to do the most difficult. So, while XXXX I returned to school before I returned to the work place where I was a XXXX, because I wanted to receive my XXXX degree, so to have that also under my belt. XXXX my fiance, working to support everyone. 2 months of finishing my classes, I was XXXX to our child, so I decided to wait, then go back fully refreshed and ready. About 3 weeks home with a new baby, I was very tired and sick, thinking it was all that come with XXXX my baby. I not only contracted a XXXX, I underwent XXXX for the next 6 months, I was diagnosed with the XXXX, XXXX. Then 3 weeks later rushed to the XXXX and was diagnosed also with XXXX, my XXXX was only at an XXXX caused by a XXXX and XXXX to unrepairable, inevitably needing a XXXX at age XXXX. With a son in his XXXX and a new baby, it has taken so many obstacles, to get to where we are right now. Needing a XXXX now to reattach a lead in my XXXX and XXXX, it took me 4 year 's to receive my XXXX. Wells Fargo ask us how long we felt that our hardship would last, we choose 6 months and longer. Well, it did, we had a preservation specialist, named XXXX, worked hard with us as we did with her, but we were struggling, financially emotionally in every way. We could n't complete a few modifications, everyone after XXXX, caused more XXXX, saying they had not received something, I keep everything!!! I was broke I had gotten so XXXX and relationship family and the way we handled things was broken. Our last modification was given to us around XX/XX/XXXX, it was a good one and like always we started making the trial payments but failed after 2, not knowing what to do XXXX had filed bankruptcy again. SSA settled my XXXX in XX/XX/XXXX or XX/XX/XXXX, and we ca n't get anyone to acknowledge our circumstances now. Now that we 've overcome so much and have grown, spritually and needing to get to XXXX University to take care of my XXXX, we ca n't get this last chance Wells Fargo wo n't acknowledge us. Please help us, we just want this last chance to make this good and keep our home. Oh and this home is XXXX of XXXX that is in a flood zone and Wells Fargo keeps raising what limits they want us to hold, but we pay almost {$2000.00} a year in flood insurance. More than our homeowners and property taxes each year. After the icestorm in XX/XX/XXXX, FEMA did n't pay us for damages XXXX did, but our roof still leaks in XXXX rooms where the ceiling is coming down recently.
Bayview Loan Services still continues to lie about the facts of my complaint.

1. They have yet to disprove my claim of the over paymentom my loan. Their answer is, " this matter closed. '' If indeed the amount of the refund of {$2600.00} was incorrect, this should have been resolved at the time the check amount was agreed upon. The issue of the check at {$2600.00} is their admittance that the over payment amount, with the check register I sent them, from my bank account, was correct.

2. Since they have admitted their incorrect accounting, no late fees should apply. These need to be removed. All payments have been received by Bayview before the XXXX  of the month. Again, I sent a copy of my bank statement showing the dates all payments cleared. It took Bayview nearly 3 months to refund my money, yet I do not get to charge them a late fee or interest!
On XX/XX/2018 Ally Financial ran my credit report without my authorization. I applied for a car loan for lease and I gave XXXX XXXX approval to run my credit report, not Ally Financial. This needs to be removed Thank you
My name is XXXX XXXX XXXX and I have a Macy 's Credit card reward joint with my husband XXXX XXXX XXXX. I would like to file a complaint against Macy 's for unfair credit discrimination and retaliation.I had filed a complaint against Macy 's before regarding almost same issues but ever since I filed the complaint, Macy 's has been retaliating against us numerous times for no reason. We feel that we are being attacked by Macy 's lately. Every time I call they continue to ask my husband information to verify the account after I provided them with my information and I explained to them that I am a card holder not an authorized user. They drop our credit limit XXXX to 4 times in less than a year. My Daugther has a Macy 's credit card and they drop her credit limit once in 1 year and she pays her bill every other month. I recently contacted Macy 's and requested our bill to be send in the mail because I have a problem signing up online and until this date they have yet to do so. The law provides protections when we deal with any organizations or people who regularly extend credit. If I am responsible to pay the bill, why they do n't increase or decrease our credit limit based also on my credit score. My husband is a victim of I identity theft and is taking a long time to fix it. I have contacted the corporate office numerous times and they never return my phone call but my husband calls who 's XXXX and a XXXX they intermediately return his phone calls. Macy 's has been violating the Equal Credit Opportunity Act. Our account is open since 1996 and Macy 's does n't take that into consideration.
We were applying for a mortgage loan with Wells Fargo Bank, N.A. On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social security numbers, bank account numbers, previous addresses, bank account numbers, everything, to the wrong address. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong address. Well Fargo advised that they would make efforts to retrieve it, but to date, XX/XX/2018, we have heard nothing back from them. We had to change every bank account and credit card we have.
XXXX XXXX XXXX -- Use of credit card issued by Bank of America was denied by merchant although card was current in payments. Call to BOA customer service who informed me that I am deceased, and provided number to BOA estate unit. I have two BOA credit cards, and since it is a separate customer service number I called it, was given the same information except was told that the estate unit does not have a direct line ( WRONG ). 
XX/XX/ -- called the estate unit, asked who reported my death and could receive no answer to that question. Was told that BOA does not need a death certificate to verify the report. Was told that credit to the cards would be restored in 45 minutes ( WRONG ). Several hours later I attempted to use one of the cards, it was refused, called customer service again and after a long time on hold was informed that it takes 24 hours to restore credit. 
XXXX XXXX XXXX -- BOA mailed out condolences on my passing. Although dated XX/XX/XXXX on the letter, postmark on the envelope was XX/XX/XXXX. Letter attached. 
XX/XX/XXXX -- received letter from BOA dated XX/XX/XXXX, apologizing for the error, and saying to call if I have any questions. I asked the following questions to the BOA representative XXXX : 1 ) BOA has my phone number and my email address. Why did noone from BOA attempt to verify my demise? 2 )  Who reported my death to BOA? 3 ) Which consumer reporting agencies did BOA contact? XXXX had no answers, I asked to talk to his supervisor, and he said " You can talk to my supervisor, my supervisor 's supervisor, and my supervisor 's supervisor 's supervisor and they can not answer your questions. 
XX/XX/XXXX-- I went online to BOA to pay the bills on the two credit cards, was denied access to do so, had to contact customer service to correct the problem because BOA never cleared electronic access.
The original contract that was signed XX/XX/XXXXbut dated XX/XX/XXXX, was told to me that it was an Offer by the bank, it was two part of the contract The mortgage and the lot rent, the lot rent was never signed because I didnt agreed with the Lot rent nor know about the amount {$530.00}. At this point Im still being treated like a renter and told. I was told to paid my closing fee XX/XX/XXXX. I was coerced into signing an offer contract. I was told by two parties that if I didnt bring money on XX/XX/XXXXand XX/XX/XXXX that I was going to be evicted and not qualify to own my home and they needed my rent money if I wasnt going to proceed with the purchase. It was lack of commutation on all parties along with improper documents being receive and given between each other. There was a mistake in entering into the contract and the contract was based on misrepresentation of facts. I was misled into believing I close on the home on several different occasions. I never receive any paperwork until XX/XX/XXXX. I ask on numerous occasions for my paper work. Was told they were going to be mailed to me ; which never was. XXXX XXXX as the new mortgagee also reported to my Credit Report XX/XX/XXXXof this new installment account that was signed XX/XX/XXXX but dated XX/XX/XXXX but didnt take over the loan until XX/XX/XXXX. I dont know when I close but took a final payment of {$750.00} on XX/XX/XXXX, was told it was my closing fee. Therefore this account was reported illegally to the Credit Beaus on my behalf. I was showed on numerous occasions of the company showing mismanagement of funds. I paid out {$4200.00} all the way up toXX/XX/XXXX, and still dont fully understand where my money went towards. I am owed {$870.00}.
On XXXX XXXX, 2016 I 've noticed a hard inquiry from XXXX XXXX XXXX XXXX XXXX ) reported by TransUnion. I have n't applied for credit cards over the last three months. I 've tried to call TransUnion but there 's no way to speak with service representatives.
HAVE BEEN AN ACTIVE MEMBER OF TRANSUNION INTERACTIVE INC. FOR OVER A YEAR AND HAVE USED THE SERVICE TO MAKE FINANCIAL DECISIONS. INFORMATION GIVEN THROUGH THIS COMPANY IS INACCURATE AND COULD NOT GAIN RESOLUTION OVER THE PHONE. ASSOCIATES REFUSE TO ANSWER QUESTIONS REGARDING INFORMATION DISCREPANCIES. I HAVE MADE FINANCIAL DECISIONS BASED ON THE INFORMATION PROVIDED BY TRANSUNION INTERACTIVE INC WHICH HAVE FURTHERED HARMED MY CREDIT AS WELL AS CHARGED ME {$17.00} MONTHLY AS WELL AS ON SEVERAL OTHER OCCASIONS FOR MISINFORMATION. I HAVE MADE SEVERAL ATTEMPTS TO HAVE MY INFORMATION REFLECT ACCURATELY BUT WITH NO SUCCESS. I THEN REQUESTED A FULL REFUND BUT I WAS TRANSFERRED SEVERAL TIMES WITH OUT BEING GIVEN PROPER GUIDANCE OR SERVICE. THIS MATTER REMAINS UNSOLVED AS I CAN NOT SPEAK TO ANYONE THAT WILL HELP. I AM SEEKING A FULL REFUND OF ALL MONEYS PAYED I INTO TRANSUNION INTERACTIVE INC IN THE TOTAL AMOUNT OF {$310.00}.
I noticed a debt on my credit file for a XXXX XXXX XXXX, and listed with this collections agency CONVERGENT OUTSOURCING , INC . I have never had any services with XXXX XXXX, I work for XXXX XXXX XXXX and I get FREE XXXX and Cellular service so I have no need to pay for either of the services they discussed. I attempted to ask for verification and they never sent me any proof of this debt. After some digging I see they are licensed in the State of New York only the City of XXXX XXXX  and I do not even live in the City of XXXX XXXX. I want them to remove this erroneous collection from my credit history it looks like they added this on XX/XX/2019 to all 3 credit agencies.
My wife and I short sold our home in XXXX. The home officially was sold on XXXX. Settlement was reached with GreenTree Servicing and account was closed in XX/XX/XXXX. At some point since then Ditech Financial merged or assumed control of GreenTree Servicing. In XX/XX/XXXX Ditech Financial reported to the the credit bureau that we were over 150 days late with payment. As stated before the account was closed in XXXX. I have attempted to resolve this with Ditech repeatedly to no avail. They consistently promise to send me documentation indicating that the mark will be removed from my credit and spelling out there was no missed payment in XXXX. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I speak with them I am told a letter will be generated and emailed to me with 3 business days, however, I have never received anything. I also sent a certified letter to Ditech mailed out on XX/XX/XXXX. I filed a dispute with XXXX credit bureau on XXXX.
I have spent dozens of hours and many months trying to resolve a very simple inaccuracy on my Equifax credit report. Today I got an email saying that my dispute had been resolved. I clicked the link to go to their website, but every time I enter the information to verify my identity, I am told that it does n't match their records. ( I 'm 100 % sure that the information is correct. It 's very basic information, just name, ssn, date of birth, and current address How could that not match their records? ) So, I decided to call them. After remaining on hold for about 10 minutes, my call was disconnected. 

I have been around and around this same process literally dozens of times in the last year. I refuse to sit on the phone yet again, waiting to talk to someone only to have my call disconnected again. 

Consumers like myself are at the complete mercy of big companies like this and their lack of reasonable customer service causes major life-changing upheaval such as not being able to qualify for a mortgage to purchase a home. 

Please help me get this resolved!
I purchased a XXXX from XXXX & XXXX XXXX on XXXX/XXXX/XXXX. The financier was a company by the nae of Carmel Financial who approved a revolving open ended charge account. On XXXX XXXX, XXXX, I received a letter from Carmel Financial notifying me that Carmel Financial Corporation Inc has sold my account to Aqua Finance and that the account has changed to a close ended, simple interest account. Shortly after that notice, I received a second notice from Aqua Finance notifying me that my account would be sold AGAIN to a third company - where the terms and conditions of the original contractual agreement would be changed again if I did not respond within 30 days of the notification. I called the number provided and stated that I did not agree to the second sale. During this same time I began receiving collection calls from Aqua Finance about an annual {$30.00} fee? Aqua Finance has been unable to reproduce a copy of the verbiage where I agreed to pay the annual fee. Now I am receiving late fee charges on statements for not paying the fee. I have never missed a payment at this point in time. 

As a consumer and a banking professional - Aqua Finance has conducted their business in an unethical manner at my expense. Transferring the original debt from company to company, all while changing the terms and conditions of the original contractual agreement to benefit their bottom line at the expense of customers. I have requested their lawyers contact me.
I have received numerous written attempts to have me pay a debt already paid with the XXXX XXXX XXXX, TX. I have requested they stop calling me, have complied with their request for proof of payment, have contacted the XXXX XXXX XXXX, have gone online to ascertain if the debt is real. The XXXX XXXX XXXX assures me that I owe them nothing, even though the collection agency asserts that they have been hired by the XXXX XXXX XXXX XXXX Courts to collect the debt. I have gone online to the site the collection letter refers me to, an official XXXX Government site, and there is no record of any outstanding debt there, either. Now the collection firm is telling me a warrant will be issued and my drivers license will be revoked or suspended.
Discover personal loans mixed up my name and address and continues to send me a monthly statement for a loan that is not mine. I have called each month for three months to resolve the issue but the statements keep coming. I am about to close my credit cards with discover as well as my bank account with them if this is not resolved in a timely manner.
My credit statement was set up for e-billing however, Macy 's American Express, for some reason did not have have e-mail address on file to send the bill. I confirmed this when I called Macy 's credit department. I discovered that they had put a 30-day late payment on my credit report through my XXXX XXXX notification, but Macy 's had n't tried to contact me in any other fashion. When I called them and asked what charges could be on my card they said there was XXXX charge in the state of Washington, a place where I have never been. They said on or around XXXX XXXX, 2015. I was in XXXX XXXX at that time. I have receipts to prove this. They added late fees even though I was never notified. If they had had an e-mail address I would have been alerted to the fraud. Now I have to wait 7-10 days before I receive a fraud report to send back to them. Macy 's says it will take 90-120 days for it be investigated, and another 90-120 days for this to be taken off of my account. Plus I paid the bill so it would n't continue to hurt my credit score. And I 'll have to wait 6-9 months before this is removed from my credit card account.