WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have a home equity loan with Wells Fargo. I recently pulled my credit score and noticed that it had decreased significantly from the month prior. As I looked into the root cause of the decrease, I noticed that Wells Fargo was reporting me as having a missed and delinquent payment on my account. I have never missed a payment nor have I ever been delinquent. I feel Wells Fargo 's actions have not been transparent or ethical. This unfair and abusive negligence has cause my credit score to plummet by  XXXX + points!
In the last 5 years, I have been employed as a XXXX, paying my student loans very regularly. Prior to that when in between jobs, finishing up a XXXX Degree and beginning my adventures in paying student loan debt, I was unfortunately misguided and put trust in a company called Navient, formerly known as XXXX. Essentially, I was steered into forbearance as I was only given XXXX options : pay the unaffordable amount they had requested or go into forbearance until I could make enough money for monthly payments as high as they had requested. This was before any program related to gradual repayment planning was offered. During this time, I did take on the forbearance option as I had no other choice, and I was n't exactly well-informed of the accrued capitalized interest that I was signing up for. 
Later when I was able to enter in a program with a steady job, I was eventually enrolled into a gradual repayment program, which put 75 % of the money I thought was going towards student loans into the interest. Meanwhile my student loan debt/interest accrued. When I inquired about any alternative programming ( income-based payments for example ) this past XX/XX/XXXX when my loan increased immensely again, they told me I had XXXX options : Forbearance ( which was suggested ), continue in my very costly ( but beneficial for Navient ) plan, or pay what I now owed, which was almost double the cost of my student loan payments. I did n't qualify for the income-based repayment plan. After reviewing the numbers with my father, we found that my loans have almost doubled since I have been making payments.
Sallie Mae sold my student loans to XXXX. When this happened my Sallie Mae loans were transferred to XXXX, so I then sent payments to XXXX. However, on ALL of my credit reports XXXX companies are reporting on the loans and on late payments. So rather than having XXXX late payment for a student loan, I show XXXX for every late payment I have ever had. This DOUBLES the number of late payments on my credit reports which is completely inaccurate. I do not think it 's fair that Sallie Mae and XXXX can both put marks on your credit from the exact same loan. I want this fixed. There should only be XXXX company capable of reporting on the student loans. Allowing XXXX companies to report to the bureaus on the exact same loans makes for inaccurate reporting and greatly impacts my credit scores.
Company began garnishing my wages without providing sufficient proof that I owed the debt. When I called to begin a payment plan they said I owed them {$9900.00}, which is more then the {$8000.00} that they have submitted to credit agencies. It is also suspiciously just under the {$10000.00} point that needs to be documented and reported to the government.
I was just alerted that my account was closed without my discretion. My credit score dropped XXXX points due to care credit closing my account because I did n't use approved funds quick enough. I requested a copy of there disclosure as well. I will have an attorney review this matter as well. How is it legal to approve a person then close the account due to inactivity on it? That can not be legal! I should have some type of say so. It clearly states on their website that once your approved their is no expiration to use funds.
I have a payday loan that I am paying through the Collection Agency. This other bill Collector comes out of nowhere calling my job, family members and threatening to arrest me if I do n't pay {$800.00} that I am already paying. They said they are Central Mediation Agency. Extremely rude too. After talking to 3 crazy people I finally got one sane person who promised to stop. The following day they started calling again from different numbers. Please help me stop this madness!!
So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.
I spoke with company on XXXX XXXX and made arrangements to pay a payment of XXXX on that day and divide the remaining amount due on XXXX XXXX. I started receiving calls on XXXX XXXX, again. PNC Mortgage claims I broke the arrangements and took the extra money I had paid applied it to the fees. The effect of this was leaving the current house payment behind by 2 months. PNC was refusing to honor the original arrangement and refusing to allow a partial payment of amount owed.
Equifax mishandled my credit report and personal information as well as those of 143 million US citizens/residents by allowing the highly valuable data to be hacked from their servers. They should be held accountable for the liability they have put me in. They should offer lifetime credit monitoring services, not 1 year protection. Hackers are smart enough to wait until the 1 year period is through until they start using the stolen information.Additionally, insider trading occurred as some high level executives sold company shares before these news were revealed to the public. I demand action takes place against this poorly run corporation.
EQUIFAX is refusing to correct the release date for a state tax lien. I submitted the documents showing the correct release date of XXXX. On the reinvestigation report, EQUIFAX stated that the release date had been updated to XXXX as of today, it is still being reported XXXX which is incorrect. This lien has been paid on XXXX and has met the 7 year Statue of Limitations and should be removed from my credit report.
MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE A LSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.
American Express is offering me a payment plan called the CARE Program, which stands for Customer Assistance Relief Environment. I had some American Express credit card debt which was then sent out to a third party, XXXX XXXX XXXX. 

I have been making monthly payments consistently with XXXX. This month, they offered me to elect to join the CARE program, which purports to be a monthly payment program which will alter my interest rates on the debt. They told me some of the terms on the phone. It sounded like they were offering to waive all late payments, but they said that the terms might change if I did not make my payments on time, so I was suspicious. I asked the people at XXXX XXXX if I could get a written disclosure either digitally or in writing that contained the terms of the payment program. They told me they could not send me the terms until I agreed to join the program. I told them multiple times I did not want to sign up for anything without reading the terms, and they told me they could not send me the terms until I was in the program and kept stressing to me that I might not continue to be eligible for the program if I did n't sign up today. I told them I 'd think about it and get back to them and they continued to stress that I might lose eligibility for the program if I did n't sign up today and agree to a number of agreed monthly payments ( which were higher than my current minimum payment ). 

I told them no, and when I transferred back to make my monthly payment, I was asked to verify the amount I would like to make in my monthly payments. I told the representative I would only like to make one payment, and they finally backed off. 

It feels bizarre that they offered to change the terms of my underlying debt but would n't give me a written disclosure of the terms of the agreement. 

I posted about this on reddit, and asked other folks to comment if they 've had the same problem. That 's here : XXXX
An individual called my XXXX year old stating he had won the XXXX prize and asked him to send a certain amount of money to insure what he had won via a money order. Him not knowing better had sent x amount of money to this individual cleaning out personal accounts.
On the XX/XX/XXXX when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I XXXX logged into my account via my iPad and to my surprise, discovered that there had been XXXX unauthorized transactions ( ATM withdrawals and POS ) totaling {$4700.00} that were carried out on my PNC bank checking account on the XX/XX/XXXX in Michigan State. Also I found out that there was an unauthorized transaction ( {$8.00} ) at a XXXX store in Michigan state carried out on the XX/XX/XXXX. 
I reported this immediately to PNC 'S customer service representative who informed me then that they had blocked my account to have me call the bank to verify if it was me that did the transactions the previous day. I told her clearly that I was not the XXXX that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees ( total {$12.00} ) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number XXXX for the disputed claims. 
I am a XXXX and for sometime now, have been out of United States XXXX. In fact, I left the states in XXXX to XXXX where I stayed for XXXX months then left to XXXX XXXX where I stayed from XX/XX/XXXX to XX/XX/XXXX then back to XXXX for an XXXX. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone. 
To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of {$4700.00} for the XXXX unauthorized transactions. 
I then called back on the XX/XX/XXXX and spoke to another representative who then re-submitted the claims. Afterwards, on the XX/XX/XXXX my checking account was credited with only {$8.00} for the transaction at XXXX with a description of ( FINAL DISPUTE CREDIT ) meaning that the other unauthorized transactions totaling {$4700.00} were denied. 
I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution.
Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However XXXX and Equifax I haven't been able to contact.Want it off my credit report.
American express gift cards. My wife has about {$3000.00} in XXXX XXXX gift cards from being in a XXXX XXXX company for being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cards are almost impossible to use. Tthe XXXX company is impossible to talk to [ XXXX ] or text/email to. The print on cards is too small to read. Just XXXX XXXX XXXX fraud.
I have XXXX items on my Equifax credit report they will not remove, I have disputed all XXXX by calling and sending them a letter. They still refuse to remove these items from my credit report. They have only posted comments, ( Consumer disputes this account information ), but when I apply for credit I am denied because of these items on my credit report. 

The XXXX item I did file a bankruptcy back in 2006. The law says after 7 years of the date of filing a chapter XXXX bankruptcy it is to be remove from a credit report. As you see Equipfax still has this bankruptcy on my credit report 9 years later. 
Filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual 's credit report for up to 7 years for Chapter XXXX ( up to 10 years for Chapter XXXX )
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

XXXX : : XXXX DOB : XX/XX/XXXX
Bank of America , N.A . also know as BAC Home Loan changed the loan/account number without my consent. Foreclosed on my home under loan number that is not under the contract we signed.
XXXX XXXX approved of a mod modiciation but sold my loan to XXXX XXXX before the first payment of my trial period. A key debt forgiveness provision in the XXXX trial letter was unethically excluded from the final loan modification agreement, drafted by XXXX involving an incentive for over {$330000.00} in debt forgivement over the first three years of the payment period. Under XXXX XXXX, I was also approved for a Keep Your Home California ( KYHC ) debt forgiveness pay out of {$100000.00}. XXXX XXXX initially verified receipt of {$100000.00}, and in mortgage statements showed that a portion of the {$100000.00} was appled to future mortgage payments. XXXX then told me that the {$100000.00} was returned to XXXX, such that payments were instantly in arrears. XXXX XXXX also intercepted a mortgage paymentinvolving three ( 3 ) money orders earmarked for a mortgage payment, forged all 3 money orders,  and used them for the personal use of a nationstar employee and/or its associates and never gave me credit for that specific payment. I filed a police report with the Sheriff of XXXX XXXX County, in Califfornia where I reside and the case was transfered to XXXX Texas, where XXXX  headqquateres is located. XXXX XXXX sold my loan to Selene Finance who says the {$100000.00} KYHC funds were transfered to them but have denied my request for a loan mod. The XXXX XXXX told be there was NO {$100000.00} funds from KYHC but agreed to obtain a loan mod on my behalf, but have been 'stringing me along ' for over 6 months now, claiming my file is escalated, with a forclosure sell date pending of XX/X/2017.
I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me.
Credible.com is advertising to me through XXXX for a 3.99 % APR Fixed Rate Personal Loan. This is nowhere near the actual rates on their website when you put in your information regardless of the information you use. Bait and switch tactics. I reached out to customer service and received boilerplate language. 

" We publish our lowest rates for the strongest financial candidate, although our pre-qualified rates will be based on your personal financial profile. '' When I mentioned that I am the best possible candidate XXXX Fico, Lowest possible DTI etc. etc. there was no answer.
I have been a customer with Bank of America for many years, having a credit card from there since 2011. In XXXX, I applied to change from a XXXX Rewards Card to a XXXX Rewards card. Before applying, I had spoken to a customer service representative to make sure I qualified for all of the benefits that other people who apply for the card receive, including 0 % Intro APR for 12 months. I have a transcript from the conversation. Unfortunately, I am being charged interest despite the fact I was told I would not have to. Hoping this to be a clerical error, I then spoke with XXXX people from Bank of America and all of them stated that there is nothing they can do. 

I am upset because I have specifically planned and changed the credit card to benefit from the 0 % APR for 12 months, as I had some big purchases planned. The extra interest payments are an added hardship that have forced me to change my plans and financial planning. I was specifically lied to get this card and am now told there is nothing I could do. I would close my account with them, but do n't want to hurt my credit score.
I want Nathan & Nathan Law firm ( claim to represent XXXX ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
Nathan & Nathan Debt Buyer/Collection Agency/Law Firm ( not the original owner ( XXXX sold the debt to Nathan & Nathan ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the XXXX XXXX charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
I am a XXXX year old single, XXXX woman who applied for mortgage refinacing under the HARP program from Wells Fargo. My story could be a best seller relating to all the wrongs Wells Fargo, XXXX, XXXX XXXX XXXX and XXXX XXXX do to their customers. 
Because my story is a long one full of descreprencies and discrimination aagainst me, here is my present situation. 
Wells Fargo REFUSED to both lower my interest rate which is presently at 5.6 % or lower my payment. However, they did decide to lengthen my conventional loan of 30 years to 45 years..thus lowering my payment from {$1500.00} to {$1400.00}. I would never be able to pay this loan off, but this was their best and only offer of assistance. 
I need help refinancing which is why I applied in the first place. I lost all of my money in the stock market due to fraudulant activities of the companies executives..but until it is resolved in the court system, my only income in from Social Security XXXX and a small annuity adding up to {$1600.00} per month. 
As you can see my situation is both desperate and immediate and I feel that WF is just waiting for me to miss a payment ... which will be next month if I do not get help ... .so they can foreclose on me. 
My home is up for sale but so far no takers. 
I truley and justly feel that I have been discriminated against. 
Please, I want to keep my home. I need for WF to do what the HARP program promised they would do ... lower my payment. 
Because I feel I have a just case against them, I want them to grant me a large reduction in my payment ... a reduction of {$500.00}. 
This would help me to keep my home, which is the sole purpose of the HARP program. 
I could go on to give you a list of all the wrongs that these companies have done to me in the past 10 years. It is time for them to stop and undo the damage. 
Thank you for your assistance with this most urgent problem. 
XXXX
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
This company gave a very high interest rate when others with very similar credit profiles were given lower rates. The only explanation for this could be discrimination. Also, there are numerous reports of this company removing late payments on customer reports based on the fact that the customer did not receive statements. I moved during my loan and did not receive statements and have requested lates to be removed. I was discriminated against and provided no help.
All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.
Attempted to mail extended alert to Transunion. Transunion gives the address as XXXX, PA XXXX. The US Postal Service infomed me that this address does not exist. Many other people have reported the same problem in online complaint forums.