WillisBack/dataset-financial-user-claim huggingface dataset:
I somehow have a fraud alert on my Experian credit report. I can not get it removed and now I am unable to be on our mortgage bc my mortgage company ca n't pull my Experian report bc of this fraud alert. My interest rate is also going up almost XXXX points bc I am unable to be on the mortgage. Mortgage company has no problems pulling the others reports w the other bureaus. 
Over the last 6 weeks -- -I have called 3 times, submitted 4 faxes, mailed a letter AND uploaded a document via Experian upload. AND THE FRAUD ALERT IS STILL THERE. 
Every time I called it was VERY difficult to get the person I spoke to to understand my problem, and the canned response was to send me to their website for help. The first phone call resolved that my address was the problem -- - not the fraud alert -- -- so I submitted a form for that. The second phone call could n't confirm that I had a fraud alert I was told that I had to pay {$10.00} ( which I did ) to get a copy of my report to verify that I did indeed have a fraud alert on my account. The next call directs me again to the Experian website -- - website said " we are unable to find you in the system '' -- - I had to call AGAIN to still not have any resolution. 
Mortgage companies and the credit bureaus are giant jerks who take advantage of good people. So now I am having to pay a higher mortgage interest rate bc I ca n't be on the loan. AND i ca n't get the fraud alert off my account AND NO ONE WILL HELP ME!
Mortgage servicing company do not send monthly statements for loan. When company do send statement the information provided is incorrect ( ex. showing past due amounts when payments are automatically deducted from my bank account ). They do not send yearly escrow statements or anything that shows balance in account. Requested on several occasions in person for payoff on mortgage and have not received information requested. Each time I visit there office the person who can assist with issue/problem is not there. 
Company did not pay first half of real estate taxes for 2016 which was due in XXXX and I received delinquent notice from the XXXX of XXXX with interest and penalties. Taxes still have not been paid as of XXXX XXXX, 2016. Every time I make a request the person who has the answer is not there. Company states that they will get back with me and no one never do. This issue has been going on for several months.
My XXXX home loan was just sold to SLS in XX/XX/2017 while in the process of trying to obtain a loan modification. SLS demand the same loan modification documentation again which have been provided on numerous occassions. Last week I received a threatening foreclosure notice from SLS while my loan modification review is still pending. SLS is not allowed under federal law to engage in dual tracking - which is beginning foreclosure proceedings while at the same time processing a loan modification request. I have called them to complain but received the run around. They have a horrible customer service. SLS has refused to abide by the CFPB 's new guidelines and failed to bring its system for processing loan modification applications into compliance.
In XXXX, I had wireless phone service from XXXX. I had home phone and Internet service from XXXX as well. XXXX itself was divided into two separate entities. So, in order to pay my wireless bill, I would have to go to a XXXX wireless store. The wireless store would have no record of my wireless service and told me to contact the other XXXX entity that provided the home phone service and Internet, they would again re-direct me to contact the wireless store to settle the debt. I tried to settle this debt at, at least, two XXXX stores, and told once again, they have no records on file for this debt.
STATE COLLECTION SERVICE IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!. I believe it's also a violation of the HIPPA ACT by placing my medical information on a credit report!!
I called transunion to file a dispute on account XXXX via phone on XX/XX/XXXX ; due to my inability to do so through transunion online dispute portal. I have been unable to file a dispute online for a few months now. I told the call representative about the problem and she asked a few security questions and told me i should be able to file online from this point on. However, i have went online today XX/XX/XXXX and still unable to file a dispute.
Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by XXXX XXXX regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing XXXX to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.
I have contacted Transunion about this several times to no avail. I have a public record reflecting on my report ( XXXX ) that was removed and then placed back on my report. I did not receive any kind of notification that it would be placed back on my report. Furthermore, it is inaccurate. This tax lien is not mine. I have contacted both XXXX XXXX and the XXXX County Court House and they confirmed that they have no records of Transunion contacting them to verify this information. I also have XXXX hard inquiries reporting ( XXXX XXXX and XXXX ) that are for the dates of XXXX XXXX, 2015. I did not approve these credit inquiries. While car shopping, even though I already had secured a loan, the dealership ran my credit without my approval.
I was contacted by XXXX to check my feet. I was told they were in my insurance network on XXXX different dates prior to going in. They took my insurance card and co pay. 2 weeks later I received a bill stating my insurance would not pay. So they want me to pay the bill. This clinic is dishonest and lies to public. I could of went across the street and my insurance would have paid, but believed I was covered based on what the clinic told me. Now they have turned me over for collection and is on my credit file. I have requested the collection agency take me to court where I know I would win, but they refuse to move forward to get this off my record and just leave it on my credit file. Fraud!!!!
XX/XX/18 Received a call, the lady was extremely aggressive from the beginning of the call. I explained that I don't have the extra money now and I'd be happy to call them when I was able to pay something. She then started to have foul vulgar language so I disconnected the call. I have never been spoken to like that from anyone calling my phone.
XXXX XXXX debt buyer is attempting to sue me for a debt I dont  know owe them, I have no legal contract with them and now they are using scare tactics and harassment by trying to sue me.
On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking  account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX  to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!
Letter was written to XXXX credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.
XXXX XXXX XXXX Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from Bank of America. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!
I sent {$150.00} by logging in to my wells fargo app via XXXX I am a first time XXXX user I submitted the payment to the wrong email address due to adding a zero it was sent to someone with a wells fargo account instead of going to a XXXX account I called Wells Fargo immediately and was told to wait 48 hrs i have went inside the branch 3 times requesting help and all they say is for me to contact the person of whom i dont know and all they say is they see my funds in someone wells fargo accounts today i called and a rep says XXXX is like a lottery and i gave free money to a unknown person..I could see if i have used this service before then I should be savvy in transferring funds but I dont have a clue and my financial institutions is not FDIC my funds or going to bat for me and its all internally im at a lost for words I will never use this application again XXXX XXXX offers its user better help than wells fargo please help thank you in advance
Credit bureau is in direct violation of FDCPA and FCRA, and has n't validated/verified negative accounts on my credit report.
This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.
I have a 30 year fixed mortgage with XXXX XXXX XXXX. My normal payment increased over {$500.00} due to a new tax assessment. I recently started a new business and I am unable to afford to make the required mortgage. In XX/XX/XXXX I requested to work with Vitek Mortgage using their Loan Workout Program which offered a Loan Modification. At that time I mailed the required information to their office in New Jersey in mid - XX/XX/XXXX. I called customer service several times to verify if they had received the information. The package was received and sat in there mailroom for over a month. Finally in XX/XX/XXXX the information was moved out of the mailroom. Several documents were resubmitted at that time because the information had expired. I sent the requested information in with 48 hours of the request. That information included items like paystubs, bank statements and identification. After waiting another month, I called again to check on the status of the loan modification and was told that addition documents were needed. The requested were a Hardship Letter, a Profit and Loss Statement, and a Contribution letter from my wife. All of which was faxed and received by Vitek on XX/XX/XXXX. At that time, I was told that I needed to wait 30 days for a response from the Underwriter. I waited the required time and called again to customer service to get status on my loan modification. The representative that I spoke with told me that the Underwriter had not looked at my file and that they would escalate the matter. I have since " escalated '' this issue on three different occasions since XX/XX/XXXX and have yet to get a response from Vitek Mortgage.
According to Section 6 of the Real Estate Settlement Procedures Act this servicer has not complied with the requirements of this law and should be dealt with accordingly. I hope that you are able to help me with this mattter
Credit cards often charge interest after the balance is paid off in the time allowed. I write them and they credit the interest to XXXX out the account. However, this is the third time in about 5 years this has happened to me. My concern is the untold millions of dollars or more that credit card companies collect by this practice. I strongly urge you to investigate, recover the money and return it to the consumers.
I had a vehicle financed with Credit Acceptance, in lateXX/XX/XXXX I was in an accident where I was rear ended and my car was totaled. The insurance company of the person at fault paid off my loan inXX/XX/XXXX with the exception of {$180.00}. I paid Credit Acceptance {$100.00} on XXXXXX/XX/XXXXand the last {$77.00} onXX/XX/XXXXThey are showing on my credit report that the loan defaulted and went into collections. This never happened. I called Credit Acceptance about it and they said they could n't do anything and I would need to file a dispute with the credit reporting agency. I filed a report with XXXX and they claimed to investigate the claim and found it substantiated.
I did not track telephone calls/correspondences from the debt collection agency, Hunter Warfield. 

We began in XX/XX/XXXX writing letters to the creditor and collection agency and the Minnesota Attorney General 's Office ; the Creditor and I went to court in XX/XX/XXXX and the case was dismissed, nothing awarded to either party ; The Creditor and her attorney told my attorney that they contacted Hunter Warfield and said the debt is not valid and asked that it be removed ; they have not had further contact with Hunter Warfield and have not received anything from Hunter Warfield. I wrote Hunter Warfield a letter in XX/XX/XXXX enclosing correspondence from my attorney indicating the debt is not valid and asking they remove the debt from my credit reports and in XX/XX/XXXX I received notice from XXXX stating that Hunter Warfield verified the debt as a valid debt even though it was made aware by that time that it is not a valid or enforceable debt. 

My attorney has sent a letter today, XX/XX/XXXX again requesting they stop reporting it as a valid debt and to remove it from my credit reports. 

Hunter Warfield also reflects two different amounts as owing ( {$1000.00} and {$1000.00} ) and the Creditor and her attorney admitted to my attorney they do not know where Hunter Warfield arrived at the initial {$720.00} amount or how it has gotten to be over {$1000.00} or why it would show as two different amounts on my reports. 

This is hurting my credit score ( and has been since XX/XX/XXXX apparently ) and I am not able to open a business banking account until this is removed from my credit report which they are unwilling to do. 

Hunter Warfield has not had any communications with me or my attorney either.
Dear Consumer finance, I am writing to you about my principle residence on XXXX XXXX XXXX XXXX XXXX. I have been trying to get a loan modification from Nation star for over two years and before that with XXXX XXXX XXXX who was the previous servicer. Even though the HUD councilor and my accountant and loan officer said that I am qualified to get a loan Modification, Nation star continues to deny my LOAN modification. 
In the spring and summer my husband and I travel to state and county fairs with our business and do very well but in the fall and winter the business is slower. When I submitted my loan package XX/XX/XXXX, they gave me a trial in the beginning of the fall that was double my original payment. My accountant said that it was unacceptable ; it was just setup to make me fall behind my payments again. So I resubmitted my loan package but the income was a bit lower because of the season. 
I have asked them many times, to communicate with me through email because of my business travels, but only after I have complained to the Customer Relations, did they assign someone. XXXX XXXX was communicate with me which was very productive, but shortly after, they took her off the case. No email communication after that. I have had about XXXX+ point of contacts ( the current one is XXXX XXXX ) and none of them has ever contact me. I have left many messages but no return calls. Very often I get an automated call on my cell after their offices have closed for the day. And when I call the next day, I get to speak to someone abroad ( their outsource servicer ) who generally asked me for items I have already submitted. I complied with everything they asked for but so far no communicate through email which makes it very difficult with my business travel. On XXXX/XXXX/2016, I spooked miss XXXX, and asked if i can have an email to communicate with my point of contact and she said that it is not possible. I told her that I will be traveling and phone communication may not be possible and I would like my husband to be the contact person in my absence. I did this a year ago and shortly after that, they sent a letter of denied loan modification, they figured that I was away and there will be no recourse from me and they can foreclose on my home in my absence. But fortunately, my trip was postponed this time and I was here to get the bad news of denied loan modification due to negative disposable income. This is very incorrect according to my loan assistant. They have previously done this using the wrong income or very old info to disqualify me. I strongly feel that because of my ethnic origins or religion, they are refusing to give me a doable or practical loan modification. Please, please help me in this matter. I beg you. 
Sincerely XXXX XXXX
I sent a RMA form for mortgage assistance about 6 days ago. SPS refused to accept the application. I have written to the CFPB several times about how SPS refused to accept my RMA form. This is dual tracking and I plan to take this case to court. Please investigate because what SPS is doing is illegal. Also please note that it has not even been 30 days since I sent the RMA.
On XXXX XXXX, 2015, I sent Experian a certified letter requesting that they investigate information on my credit report as the information is outdated, inaccurate, and or does not belong to me. Experian signed for the letter on XXXX XXXX, 2015, to which I advised them that they had 30days to investigate my request and respond accordingly. On XXXX XXXX, 2015, I sent a follow up letter to Experian in which they signed for on XXXX XXXX, 2015, which i advised them that 30 days have past and i have not yet received proof that they have validated the information. I advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit, bureau, I requested that they immediately delete the information from my credit report. As of this XXXX day of XXXX, Experian has not complied with my request, which is a violation of my rights.
I have a simple car loan with Capital One, starting XXXX, XXXX. My fixed interest rate as written on my contract is 3.35 % and the Finance Charge at the end of the loan is {$850.00}. I noticed every month my auto statement for payment the interest rate fluctuates. I called Capital One on XXXX/XXXX/XXXX to ask why it fluctuates, the rep, XXXX, said yes, it 's a fixed rate but you are being charged a daily interest rate and it {$.00} per day. I said what is it, daily interest rate? She said I do n't know, I have to ask. I waited for almost XXXX minutes and she came back on the line and said a supervisor said it 's a charge by the bank so I pay my loan off. I said WHAT? I 'm paying an interest rate of 3.35 % to pay off this loan. She said would you like to speak to a supervisor, I said yes. A supervisor came on the line, right away and I asked him where on my contract does it say a daily interest charge will apply. He said you signed the contract and it 's in the Finance Charge that you will pay at the end of your loan, I said WHAT, THIS IS FRAUD. A CONTRACT IS A CONTRACT AND YOU CA N'T ADD ON OTHER INTEREST CHARGES. How can this hidden fee be allowed? A contact is a contract. If I decided to lower my payment because I thought it was something I wanted to do I ca n't. A contract is a binding contract. No where is it written about a daily interest fee charge on my contract. A contract is a binding contract and I feel they are defrauding me and charging me a hidden fee.
Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft. 
My account was negative by XXXX - Now a refund of the fee is being declined. 
I 'm supposed to pay XXXX for a XXXX mistake? 
This is why consumers hate banks.