WillisBack/dataset-financial-user-claim huggingface dataset:
I been receiving calls from Portfolio Recovery several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially XXXX/XXXX/XXXX I received a call from XXXX She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if PRA would delete it from my credit file she went on saying it will be on my credit until XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from PRA in writing or any notifications on how to dispute this debt with them. I went to PRA website located at https : //www.portfoliorecovery.com/ I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want PRA to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. 
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX
I have been receiving phone calls from a debt collector telling me that I am going to be to served at work and possibly taken to jail. When I call the number given, I get connected to very rude " employees '' with vague information. All they can tell me is that I got a payday loan in 2009 for {$400.00} that was never paid back. They claim the loan has grown to {$800.00}, but they can accept a lower payment over the phone and this will all go away. I asked them to identify themselves and all they can tell me is their company name, MAC ... ( 1 ) I would never apply for a payday loan ( 2 ) I would never give my credit card number to some random person that called me on the phone. 
This person had my social security number and an old address, but no recent information. The only way they got my phone number was by contacting my brother. 

The phone number I 'm asked to call is XXXX # XXXX
Experian credit bureau allowed XXXX XXXX XXXX to report delinquent payment activity on an account that had been discharged as a result of my XX/XX/2015 bankruptcy. After filing several disputes and providing proof that XXXX XXXX. reported the information under fraudulent pretense, Experian still refused to update or remove the account.
Hello I 'm a victim of fraud and stolen identity of credit card. I have been notified by the collect XXXX agency? XXXX stating that I have a credit card that has been open since estimate on XX/XX/XXXX and last payment received on XX/XX/XXXX total payment of {$200.00}. I have neither paid this amount nor did I open an credit card with this company. They are trying to garnish from my paycheck/ salary at this time, and I have contacted this company and I have asked for original credit card application with my signature they promised to send, but they did not send it. They have only sent me a copy of credit card statement with address which I do not know of. Please help!
On XXXX XXXX 2017 XXXX XXXX account number XXXX listed a 60 day late that was previously disputed and deleted. Trans Union placed the notation back on the report on XXXX XXXX 2017. 


I had disputed this with Trans Union and they reinserted it. This constitutes fraud on their part for not maintaining reasonable procedures in cases of disputed accuracy and violation of the fair credit reporting act.
Experian is reporting an XXXX XXXX XXXX account on my credit report that does not belong to me. I have disputed this account many times and informing them that this account was not opened by me. This account is a result of identity theft. Please assist me in getting this account removed from my Experian report. 

Also there are incorrect personal information showing on my credit file : Incorrect Address : XXXX XXXX XXXX and XXXX XXXX XXXX Incorrect Names : XXXX
This case filed Satisfaction of Judgment onXX/XX/XXXX per XXXX XXXX XXXX XXXX. OnXX/XX/XXXX H. Kent Hollins of Law Office of H Kent Hollins filled a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX inXX/XX/XXXX We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.
On XXXX XXXX, I had a 42 minute conversation with XXXX XXXX about discrepancies I found with Loan Nos. XXXX and XXXX : ( 1 ) after making online payments to XXXX loans on the same date at the same time, the payments for XXXX and XXXX were not being posted on the date that the payment was made while the payment for XXXX was being posted on the date the online payment was made ; and ( 2 ) the interest rate was fluctuating on XXXX and XXXX but not on XXXX which was the same type of variable-rate loan with the same terms. The next day, I sent XXXX XXXX a detailed email regarding these discrepancies asking for his help. On XXXX XXXX, XXXX XXXX called to let me know XXXX XXXX had forwarded my email to him and he would help resolve my concerns. We spoke for XXXX minutes, and XXXX XXXX promised he would get back to me within the week with some answers. By XXXX XXXX, I had not heard back from XXXX XXXX, so I called him and left him a voice mail asking him to call me back. I have yet to hear from XXXX XXXX. In addition, I asked XXXX XXXX how I would know if the interest rate changed, in other words, what kind of notice would I receive. He told me I would have to check my statement each month ; no notice would be sent. I asked XXXX XXXX the same question, and he told me Navient would send a notice to me to let me know. I am not sure who is correct, but I never received any notice letting me know my interest rate was going to change.
I have recently finest furniture through XXXX XXXX out of XXXX Georgia to a furniture outlet store in XXXX XXXX Florida. After I financed the furniture me and my girlfriend split up and I left the house. I had contacts at the furniture store to inform them I was going to return the furniture, and they told me to contact the finance company ( XXXX XXXX ) which I did. They explained to me that they would take the furniture back and there will be no other charges. They told me that they would schedule someone to come out to pick up the furniture after I sent them pictures of the furniture. I explain to them that I had to do it in a way to where It was comfortable and more feasible for me to do because I was afraid my girlfriend was going to damage the furniture if you found out that I was getting it back. They said they wouldn't send anyone out until I sent the pictures which I didn't do right away because I haven't been able to access the house to do it. At that point They turn my case over to recovery which never contacted me but claims they sent someone out to pick up the furniture which honestly is impossible because nobody contacted me and I never sent them pictures so they put my account back in active status and started charging me again. Payments were supposed to stop once it was in recovery mode which that never happened. The collection calls continued as I tried to explain that their account should have Been in recovery status. The customer service ages or bill collectors work extremely rude have hung up on me numerous times have called my phone and hung up as I answered and every time I ask for a supervisor no one can help me. 1 person took my information for a supervisor to call me and I never got a call. I've even Insisted they go back into the notes in C and I even mentioned that if all calls are recorded then it should be listed on the recorded call which nobody still has answered my questions. It gets to the point where if mentally abuse me and threaten me that if I don't pay them that They were not coming to pick the furniture up. This back-and-forth and threats or extremely uncalled for And therefore I would like to make a complaint. No one is still resolve my issue yet this has been going on for the past month. Somebody please help me.
Equifax has added several items back to my credit report items that were previously disputed and removed from report, Equifax did not provide a 3 day notice to me notifying me that this action was taking place ... 
1 ) XXXX XXXX XXXX XXXX account number XXXX****** item was removed from report in XXXX following a dispute item reappeared on report XX/XX/XXXX showing a report date of XX/XX/XXXX no historical payment information included I have previous credit report all dated over the pass 2 years without this account appearing on them 2 ) XXXX XXXX XXXX account number XXXX Previously removed following a dispute in XXXX item reappeared on report without any notice from Equifax ... Shows a reported date of XX/XX/XXXX however item has not appeared on credit report in over 2 years
My wife has been hospitalized in XXXX from XXXX XXXX until XXXX XXXX. My wife is XXXX ill and will never be able to work again. My mortgage is with Select Port Folio. 
I have submitted several modification request with financial for the last year. I do not want to lose my home. Please help me to keep my home and lower my mortgage payments.
On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.
Vague message recieved threatening legal action if the call wasn`t returned at th end of the same busineess day. Again, no specifics mentioned. Later determined the co. was a debt collection agency after researching the phone no. on the internet.
Netspend prepaid cards, they have many XXXX XXXX, XXXX XXXX, XXXX, seversl others. As we all know it is Netspends and others job to fund your card, hence the name PRE-paid. Ive called several times, they say no thats not how it works. Will charge you for not using the card. Just a pkoy for ne and others to drain funds
Equifax fails to update credit account information upon creditor submitting it I currently have s auto loan showing on Equifax report with a $ XXXX balance but it should be only {$370.00} balance account in question is XXXX XXXX XXXX XXXX account number XXXX Also thereby s a bankruptcy filling showing that was previously deleted in 2016 the bankruptcy has reappeared along with several account attached to the bankruptcy filing I wasnt given an notice it would be added back and the bankruptcy count has confirmed they DID NOT report this information to Equifax
Wells Fargo Bank , NA ( hereinafter " WFC '' ), and its divisions ( Consumer Accounts for checking and savings account as well as the credit card accounts are to eager to charge fees, but will not return fees for their own mistakes ( continually ignoring the requests, disputes and issues - until it is passed the deadline, then its representatives claim that " it is pass sixty or ninety days allowed '' ). Therefore, the unjustified charges they make on the checking and savings accounts become permanent. WFC is very ANTI-CONSUMER. 

and NOW, I have issues with disputed charges on Debt card and a credit card. 
On three ( 3 ) occasions : 1. XX/XX/XXXX on my debt card in the amount of {$340.00}, Disputed unauthorized charge and WFC claims that I never disputed and there is no record of the dispute. 
2. XX/XX/XXXX on my secured credit card in the amount of {$65.00}. I disputed the charge 3-4 times and finally WFC provides me an UNSIGNED COPY of the charge. When I ask for the Merchant 's telephone number, WFC provides me a DISCONNECTED telephone number. Yet, XXXX claims that the charge is valid. 
XXXX. XX/XX/XXXX on my secured credit card in the amount of {$1900.00}. I disputed this charge 2 times. WFC can not produce ANY record. In fact, its representative told me that the merchant claims it was going to ship me something. I repeatedly told WFC rep.s that I do not have any relationship with the merchant and did not order anything from it and that the charge is unauthorized. WFC even confirmed with the merchant that the item was not sent ( EVEN THOUGH I DID NOT ORDER ANYTHING and DID NOT CONTACT the MERCHANT FOR ANY REASON ). However, it claims that because this merchant ran a {$290.00} charge FIVE MONTHS EARLIER ), then this charge must be valid. 
So, does not matter if I dispute a charge or not, nor that it matters if I truly purchase something, just because WFC does not want to process a dispute, then the consumer/card holder must suffer its representatives laziness or ignorance. Moreover, if a merchant made a charge and the card holder did not questions the first charge, then if the merchant makes additioanl charges sometimes in the very far future ( not even on a specific pattern ), then the charges must be valid ( even of WFC or the Merchant can not produce any evidence ).
XXXX XXXX XXXX is garnishing my wages and filed for courts to do so on XX/XX/2018. I was not notified by courts nor addressed to appear in courts to dispute credit costs. I called company and no answer on ability to prove original amount of debt that was owed. The company has increased a XXXX dollar owed store credit card amount to over XXXX dollars and my wages are being garnished at 25 % of my paycheck. 

I had no phone calls, letters nor warning for debt collection. Now, I am struggling to pay my bills and stay in my apartment. I cant believe companies can increase debt owed and just destroy your credit reputation. I am at a loss and just do not have faith in becoming a success in this country. I just dont know what to do and feel helpless and vulnerable to companies like XXXX XXXX.
I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks.
My mortgage loan was sold to Freedom Mortgage.   I refinanced the loan with another lender on  XXXX   XXXX ,  2017 .   My  Freedom  Mortgage statement ( online and received by mail ) shows the loan being paid off in full on  XXXX   XXXX .   On  XXXX   XXXX , Freedom Mortgage drew a mortgage payment from my bank account.   This is after the refinance was completed and my account was paid off.   My  Freedom  Mortgage statement shows that Freedom Mortgage reversed the draw on the same day,  XXXX   XXXX .   However, I did not receive the payment in my bank account, and have not received a check or other payment in the   two weeks since that date.
I have called and talked to their " customer care '' agents, checked with my bank, sent Freedom Mortgage my bank statement as requested showing that the funds were not returned to my bank account, and asked Freedom Mortgage to properly reverse the transaction and return the funds to my account.
Freedom Mortgage is telling me that they need to research what happened to the funds, and that they will have an answer fo  r me ( but will not necessarily return my money ) by  XXXX   XXXX , ano  ther two weeks. I have asked them to return my money while they research what happened to their transaction, but they have refused to do this.
I have been unable to speak to a supervisor or manager. They have repeatedly put me off, telling me the supervisors are in a meeting, the managers do n't get on the ph  one, the cash person they need to check with is at lunch, they will have to call me back.   They have effectively stolen money from my bank account by withdrawing it after my debt with them had been satisfied, and they are refusing to immediately correct this.
On XX/XX/XXXX we attempted to use XXXX 's store credit card which we have had for years at XXXX 's XXXX XXXX - XXXX ( in California ) and we were told the card had been canceled ; but, not worry just open a new card account ( and enjoy a 50 % discount on the two purchases we were making ) which we agreed to do. After over about 45 minutes of trying to have our personal data be entered into the store cash register and having to talk with an store supervisor and talking to someone in XXXX 's credit department the process was completed. The discounts were to be reflected on our first statement. The merchandise was not carried out of the store. It was to be delivered to our home by XX/XX/XXXX. 
We had to call the store on XX/XX/XXXX as the merchandise had not arrived as promised. After half an hour on the phone a supervisor told us the merchandise would be delivered immediately. She also assured us the charges would not be on our credit card until delivery was confirmed and we would see the charges and discounts on the monthly statement in XX/XX/XXXX. 
We received the merchandise on XX/XX/XXXX. 
On XX/XX/XXXX XXXX from the collections dept. at XXXX 's called and threatened us with a credit report notification if we did make an immediate payment, over the phone, of almost {$300.00}. We explained all of the aforementioned and said we have not received a statement. We asked to speak to a supervisor. XXXX XXXX came on the line and said she was sorry for the confusion and not worry as she would send a statement ( they had an incorrect address and the statement and our new credit cards were returned ) re-issue the cards. All we needed to do was pay the amount on the statement, or minimum payment, when it arrives in 7 to 10 days. 
The statement arrived in our XXXX XXXX on XX/XX/XXXX. The statement indicated only that we had past due charges, new late fee charges and interest charges. We planned to call XXXX 's during business hours on Monday. 
At XXXX today, Sunday XX/XX/XXXX XXXX 's collections called and again said we were delinquent and wanted immediate payment of {$240.00}. Supervisor XXXX XXXX said if we paid {$210.00} all would be forgiven and we gave her the info she needed to withdraw that amount from our checking account which we authorized fearing having our credit being distroyed. We have called and emailed XXXX ' CS with no response.