WillisBack/dataset-financial-user-claim huggingface dataset:
I am complaining about how XXXX is handling a mistake that they made which is affecting my credit, as they are not making any effort to resolve the issue after several months of attempts by me to get to resolved. All of the effort is on me to get them to fix their mistake. I already had XXXX service in XXXX with XXXX lines. After making sure the service worked OK, I ported my XXXX XXXX numbers to XXXX. In XXXX XXXX, I wanted to add a XXXX line to my Family Plan, where a XXXX line would be only {$10.00} per month, plus the cost of financing the cheapest smartphone ( adding about {$5.00} per month XXXX. I did this in a store. They made a mistake and created a new account instead of adding to my existing account. When I realized this, I called to get it corrected. Instead of moving the phone and service over, they billed me for the phone and calling plan in its entirety, as though I wanted a new phone and a one month plan. Even after XXXX months, that barely comes to {$170.00}, but their billing to me was for a single month of service and the phone. I called again and thought it was resolved. Meanwhile, the XXXX line was working on my Family Plan. Then, in XXXX XXXX, I got a collection notice. I will summarize the rest in saying I made literally hours of calls multiple times, and in XXXX cases got escalated to " supervisors '' that said they understood and could resolve the issue. Nothing has been done. XXXX reps claim that the charges have been " validated '', meaning they did nothing to look into it. XXXX isolates that credit group from the public so there is no way to speak with them, and there is no way to get it resolve. I have sent a written dispute and they changed to yet another collection company ( that is owned by XXXX ), and they are offering no time to resolution nor anyone to contact. After XXXX months and hours of my time, my credit is still affected and I can not make a home purchase. Their reps have no clue what to do, and their hidden " accounts receivable '' or " collection '' group does nothing. This should not be legal, and their mistake should not be my burden to exert such effort for. If I charged them how they charge me, they should owe me about {$150.00}. I am filing a complaint because there needs to be repercussions for this sort of behavior. My only other option appears to be suing them, but with that, there is no record of a consumer complaint. I have paperwork supporting my case.
I 'm in a subprime loan, with an adjustable rate, underwater meaning my house does n't appraise at what I owe.pay mortgage on time and nobody will help me get out of this XXXX rate I 'm in, every time I sit and talk with anyone they tell me they ca n't help me, why ca n't they help me, I 'm considering letting the bank take it if I ca n't get my mortgage changed.
In XXXX I opened an account with XXXX XXXX XXXX. In XX/XX/XXXX, I opted to have credit protection placed on my account. I payed on time payments from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, I had a medical emergency, and the doctor took me out of work. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX ( credit protection ) payment included. On XX/XX/XXXX XXXX XXXX XXXX closed my credit protection account, unknown to me.On XX/XX/XXXX the doctor ( medical emergency ) took me out of work. I was unable to make on time payments. XXXX XXXX XXXX charged the account off and sold the account in XX/XX/XXXX. It hits my credit report with negative remarks. I'm still recovering during this process. Recently, I contacted XXXX XXXX XXXX to see what are my options, because now the account in collections and it has damaged my credit. I spoke with an account manager on XX/XX/XXXXand was instructed to call the credit protection ( XXXX claim insurance company ) and file a claim. I called on XXXX XX/XX/XXXX and was told I was not covered for that time period, due to the policy being cancelled on XXXX XX/XX/XXXX. I was instructed to call XXXX XXXX XXXX. I called back and spoke with another account manager, and that account manager verified they closed my credit protection account unbeknown to me. And it was nothing they could do! Currently, this account is sitting on my credit in collections, which is debilitating my credit score! I was NEVER informed they ( XXXX XXXX XXXX ) cancelled my credit protection! I called to file a claim and was denied ; due to the bank cancelling my account ( credit protection ) after a  payment days prior.
Financed XXXX XXXX XXXX with XXXX  XXXX XXXX XX/XX/XXXX. Paid on the loan as agreed and balance never changed. Everytime I looked up I was being charged fees and have no idea why. When I would question fees being charged and why, I could never get and explanation. In XX/XX/XXXX I had a car accident and the vehicle was totaled. Insurance paid and gap paid and there should be no balance left. Santander continues to call me about a balance that I do not owe and can not explain why I owe {$4100.00} when I had full coverage insurance and gap insurance.
On XXXX XXXX 2017, I made a purchase at Sears, located at XXXX XXXX XXXX in XXXX, Oregon. At the check out, the clerk mentioned that I could save {$20.00} if I signed up for a Sears card. I specifically asked the clerk whether or not the card was a credit card, or simply a store discount card. The clerk explicitly said, " this is NOT a credit card, it just gets you discounts on Sears products. '' I made it very clear that I was NOT interested if it was a credit card, and he again assured me that it was not.
After providing my information for the card, and going through the checkout process, I asked him how much I owed him. He said, the balance had been put on my card. I then forced him to remove the charge to the card and I paid with cash. While I paid in cash, it must be noted that the clerk made no indication that he was initially putting the charge on the card. In this way, he made a charge on the card without my consent. This is clear violation of the Electronic Funds Transfer Act. Please also note, that after the charge had been made to the card, the clerk said he could only reverse the charge if payment was made in the form of cash or check. Had I not had the cash or check, I would have been stuck with this unauthorized charge on a credit card I never knowingly signed up for.
Days after these events, I received in the mail, a Sears MasterCard, or in other words a credit card.
I contacted Sears via email requesting that my " Sears credit card '' be terminated. I have never received a response from Sears.
Please note the current XXXX XXXX XXXX lawsuit involving similar misleading and deceiving credit card marketing tactics.
XX/XX/XXXX, I applied for a balance transfer with American Express. I opened a new card, an American Express Blue card and transferred the balance. It was a no interest if paid within 15 months balance. They charged a fee, which is common. What is not common is that they are charging me interest on the fee every month. I 've transferred balances to other companies many times in the past and they never charge interest for their fees or the transfer until the stated time period is up ( 12 months, 15 months, 18 months ). I contacted American Express about this last month and they said that I should just send them a check for the fee and that would stop the interest. I explained that it was n't possible to do that because they would n't apply the money to the only the fee. 
I 'm not sure if this is illegal because they did say no interest for 15 months, but it should be illegal and I wanted to report it just in case. As soon as I can pay this off or my 15 months is up, I am closing this account and not working with American Express again. 
thanks XXXX
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score.

633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor,  fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, XXXX, an Transunion has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Transunion lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

XXXX lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.
Hello, I am submitting a formal complaint against a company known as, " Phoenix Financial Services LLC. '' XX/XX/XXXX, I observed that I had a collection agency by the name of Phoenix Financial Services reporting to the Credit Bureaus as debt. I immediately researched the company to resolve the issue. I spoke to a customer service representative by the name of " XXXX '' and asked her about the account in question. XXXX informed me that she only collects a debt for the original creditor. I asked XXXX, who was the original creditor. XXXX stated the original creditor was a doctor or hospital. XXXX  stated, she did not know but she could provide me with a settlement offer. I asked XXXX about the settlement, due to the fact I do need to remove this item regardless of, I am trying to purchase a home. XXXX stated she could settle the account for XXXX dollars and write off the remaining amount. XXXX also stated that I need to hurry up and make a decision to accept the settlement cause she did not know when the company would get rid of my file. I asked XXXX if she could provide me with validation of the account. XXXX stated, I will email you. I received ONE email with a settlement offer attached. This is the last I spoke to XXXX in regards to this account. I still am unaware of the original creditor or how it 's validated to be my account. The company reported that my account was opened XX/XX/XXXX, today, XX/XX/XXXX, I received a letter from Phoenix Financial Services dated, XX/XX/XXXX, stating that they have verified my account with the original creditor with a " Statement of Account '' that I received with a date of service, XX/XX/XXXX. The Statement of Account states that the " Statement Date '' is XX/XX/XXXX. I have never received ANY form of statement, validation, or so forth.
I would also like to state, if this is a MEDICAL debt that I am legally responsible for, the service date for XXXX XXXX, should have been covered by his medical insurance, which should have been billed Texas Chip Medicaid.
In XX/XX/XXXX, my wife and I took a mortgage with XXXX XXXX  XXXX  in the amount of {$80000.00}. The loan had a 15 year amortization schedule, maturing in XXXX XXXX. After XXXX was acquired, the loan was sold to XXXX and is currently being serviced by Select Portfolio Servicing , Inc ( beginning in XX/XX/XXXX ). Our original agreement with XXXX included the purchase of joint liability credit insurance and we paid those insurance premiums each month. In XX/XX/XXXX, I suffered a severe XXXX that caused me to be unable to work. When we requested insurance relief through this XXXX policy, we were told that we never purchased the insurance, despite the fact that we had payment statements that noted the portion of our monthly payment that went to the insurance premium. 

During my rehab, we requested payment assistance and we were provided with a forbearance for a number of payments over the course of that year. The total amount of deferred principal is {$2800.00} ( 4 payments ). We never signed an amendment to our loan nor any forbearance agreement. What we did not know, and were not informed of, is that getting relief on these payments resulted in {$11000.00} of deferred interest being added to the principal of our loan and for the last 8 years it has continued to accrue interest on top of that. Now, after 15 years of paying down this loan, we were informed by SPS that our outstanding balance was {$29000.00} almost 40 % of the original balance when we expected the balance to be nearly paid in full ( except the payments we requested relief on ). This payoff amount includes the {$11000.00} of deferred interest that was never disclosed to us in any form. Had it been disclosed, I would have been able to decide if we even wanted the deferred payments or if we would come up with the payments in some other way. We can not afford to pay off this amount and we are concerned that we are going to lose our home. 

I requested all of the documents that were part of our mortgage loan file from SPS and they were unable to provide me with any documentation regarding the deferred interest and had very little information regarding our loan at all ( they couldn't provide the original note agreement nor most of the file from before they acquired it ). They were also unable to provide any documentation regarding the joint liability credit insurance. 

I am XXXX years old and a XXXX XXXX veteran. SPS 's collection activity is deceptive and unfair and I think they are trying to take advantage of me because I am elderly. Despite the fact that SPS can not provide any documentation regarding this deferred interest and other fees that have been added to our account over the years, they have stated that they can't do anything about this outstanding amount.
On XX/XX/2018, XXXX XXXX pulled my credit and apparently gave permission to a third party, XXXX XXXX XXXX, to pull my credit on the same day ... which resulted in two credit pulls on the same day ... which I didn't authorize.
On XX/XX/18, I attempted to do a XXXX Transfer from my Wells Fargo business checking account. On the normal confirmation page, an error notice came up and said that they were unable to complete the transfer due to a glitch. The recipient did not receive the money to her account ( {$1100.00} ). The money was, however, removed from my account. I have called Wells Fargo 3 times asking them to reverse the transaction and replace my money, but they have stated that it will take up to 10 business days. This is unacceptable. This is a glitch in THEIR system and it is MY money. I am a growing business and need the funds replaced immediately.
In XX/XX/XXXXc my husband and I went to XXXX XXXX XXXX XXXX in XXXX WV. I traded my car in for a XXXX XXXX XXXX XXXX. Upon them running our credit they came back and let us know we were approved through a lender called Firsr Investors Financial Services. My payment was in the {$500.00} range. Upon signing the contract with XXXX, the Finance manager told us our magic word was going to be yes he told us that First Investors would be calling us and asking various question about the vehicle, such as Does it have running boards, does it have a sunroof, does it have a toe package? The finance manager told us the only way the loan could get approved is if we lied and said yes to all of that. Despite my better instincts I followed his advice. My husband was laid off in XX/XX/XXXX, we decided to voluntarily let the XXXX go back due to financial difficulties and we had already exhausted all our our extensions with First Investors. According to my credit report, our vehicle loan was charged off and sold to XXXX XXXX XXXX, however we havent recieved anything from them or First Investors stating where it was sold and for how much. Ive tried to contact First Investors via email and phone but havent had any response. According to my state, WV, limitations, a company has 2 years to get you the auction information on the balance of a vehicle thats been repossessed. My husband and I are still waiting. We feel like since its been this long it should be removed from both of our credit reports, and the loan contract we signed was for a XXXX XXXX that had all the bells and whistles, not the one that was repossessed.
I have been having a difficult time paying the mortgage for some time now. I have asked for a modification twice and both times have been denied. I have tried calling a customer care associate several times and they are never of any help. They either do not return phone calls or are not able/willing to offer any feasible solution. My house is now going into foreclosure and I feel that someone within the company should have been more willing to help. It seems as if they are just out to make money from my struggles.
This is a follow-up email to Clark county collections to give them the evidence they asked me for XX/XX/XXXX thru XX/XX/XXXX plus XX/XX/XXXX/ XX/XX/XXXX I  was an XXXX at XXXX XXXX veterans hospital, undergoing my XXXX I needed to be at least halfway useful after my XXXX.
I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation
On  XXXX  of  XXXX , when I visited   XXXX   XXXX   in  XXXX , GA, I agreed to receive their services and to finance the amount of {$2300.00} at a 0 % interest rate. In  XXXX  of  XXXX , I was charged {$680.00} of accrued interest. That is a substantial amount. At no point during the consultation with  XXXX   XXXX , the  Manager at that Ideal  Image location, was I told that there would be an expiration date for the 0 % interest rate or that it was even a promotional offer. I have reviewed the entire contract and nowhere on it does it state the offer or expiration date.   I have always tried to make more than the minimum amount due each month but honestly, knowing that I was not accruing interest gave me the peace of mind to make higher bill payments elsewhere. I believe it is improper for them to tell me I am being financed a product at 0 % and not tell me it is for a period of time only. If that would have been the case, I would have paid off the credit line by that date or not taken the credit line at all. I have reached out to Comenity Capital Bank and wrote a letter to dispute the accrued interest charges and also attached copies of the contract I signed which support my position. They have not been very helpful during this process.
To whom it may concern : I opened a checking and savings account package with Citibank in XX/XX/XXXX of this year, under a promotion. The promotion offered promised a {$400.00} bonus upon opening this package and depositing {$15000.00} within 30 days of opening the account and maintaining the balance for 60 days. 

I called on XX/XX/XXXX and asked how I could make this required deposit. I was told that an ATM card had been mailed out when I opened my account, and it would arrive shortly, and I could make a deposit at any citi atm once I receive it. While I was on the phone, I inquired about the promotion, and was told that it's linked to my account, and that as long as I made the deposit within the required timeframe, I'd receive the bonus. 

Two weeks later, I still hadn't received the ATM card. I called citi customer service again, and was told that they are unable to send out debit cards within the first thirty days of account opening. When I told the agent about the promotion, I was advised to mail in my deposit. I was concerned that the deposit wouldn't be processed until after the cutoff date for the promotion, and shared this concern with the agent. She responded that as long as the deposit was postmarked by the required date, they'd honor the promotion. Then i told the her that I didn't have the savings account number ( I had the checking account number from the deposit slips they sent me. ) She said I could mail in two checks with the deposit slip for checking, and include a note instructing the teller to deposit one check to checking and one to the corresponding saving account. 

I sent the deposit the same day, with a note to deposit {$15000.00} into checking and {$150.00} into the attached savings account, as instructed by the agent. The deposit wasnt processed until XX/XX/2018, and the full amount was deposited into checking. 

I called again, and they said they would send a debit card, and I should make the deposit to savings within 45 days of account opening and would receive the bonus. ( Also he said there is no such rule about sending debit cards in the first 30 days of opening an account. ) I got the debit card a few days later, but no pin, which I would need to make the deposit. I called again, and they overnighted me a pin number, again confirming that I could still get the bonus. 

On XX/XX/XXXX, I got the pin number. I immediately made the deposit to savings. I chatted with customer service on XX/XX/XXXX, and once again they confirmed I was eligible for the bonus - as long as I maintained the balance for 60 days. 

In XX/XX/XXXX, I got an email from citi that they wouldn't honor the promotion because the deposit wasnt made on time. I chatted with customer service again and was basically told there is nothing she can do ; it's a different department that decides promotions And they dont speak to customers.
I have received numerous calls from an agency that I do business with. They stated the amount I owe over a voicemail, without giving mini Miranda, what would 've happened if someone else checked my voicemail? I believe these violate my rights as a consumer, not only that I know all FDCPA Laws and this is prohibited to leave over a voicemail.