WillisBack/dataset-financial-user-claim huggingface dataset:
Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both TransUnion and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely ) Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.
I have money trhu wester union, to XXXX, when the beneficiary, when to collect the fund, the beneficiary was told that was no money at agent office. The tracking number for this event is XXXX, the beneficiary for those fund name is XXXX XXXX, Western Union need to be 100 % responsable for their associates or agent. Western Union or their agent playing with people 's money. Also those beneficiary wasting their time and mony to go those agent office, and get a statement is no money
To Whom It May Concern, I am writing this complaint on XXXX XXXX XXXX the Vice president of Cornerstone home mortgage and Consumer Financial Agency because he is n't professional, and is n't pleasant with his clients. I started working with XXXX XXXX in XXXX 2016, when he told me he can help me purchase a house and promise me that I will be in my new house by XXXX 2016. XXXX XXXX inform me that I had a foreclosure on my credit and he have a credit repair person who can help me clear it off me credit, so I wrote a check per his request to Consumer Financial Agency, his business. He assigned XXXX XXXX XXXX me as my realtor then without me knowing XXXX XXXX XXXX was assign to be my realtor. XXXX XXXX work so hard in helping me to find the perfect home for me and my XXXX kids and a grandbaby on the way. I placed a bid on one of the home that XXXX XXXX showed me. XXXX XXXX asked for the approval letter at that time but he never act on it. I was schedule to look at a house on XXXX XXXX, 2016 as I pull up behind XXXX XXXX I received a called from XXXX XXXX. I was on my car XXXX when XXXX XXXX called me, XXXX XXXX was able to hear the conversation. He asked me if XXXX XXXX had me sign a broker-buyer agreement. I asked why and why was n't it mentioned before. XXXX XXXX told me not to sign the agreement because he could n't assign me another realtor if I do and I have to work with her for six month if I sign the agreement. Then he started bad mouthing XXXX XXXX saying that she did n't have no Credentials to service me and will not give his processor the access that she use, at this point I became frustrated, upset and disappointed with XXXX XXXX, I found that was very unprofessional of him. I never answer that question because I was confused on why he was asking that question at that particular time because he recommended XXXX XXXX and I never had a problem with XXXX XXXX. As time went by I did n't hear anything from XXXX XXXX, I called him on numerous occasions and he would n't answer my calls or return my call. I was informed by XXXX XXXX that my paperwork was on hold. So I called the office phone on XXXX XXXX, 2016 and spoke to his processor and asked her about my paperwork. She said she would give me a call on XXXX XXXX, 2016 I said ok. Later that day about an hour in a half XXXX XXXX XXXX to call me in reference to my call earlier. I asked about my paperwork and where are we in the process. He informed me that at this time he no longer had a relationship with XXXX XXXX who is the credit repair and it 's not his fault that I did n't sign a contract with XXXX XXXX although he was the one who took my money. XXXX XXXX did n't give me a contract nor did he mention anything about a contract. Before we got off the phone XXXX XXXX told me I was no longer his client. That really made me mad, because I paid for a service to him that was n't completed and now I have to start all over with another lender. 

My issues : Unprofessionalism of XXXX XXXX, he took my money and did n't provide me with the service I paid for and now I feel like I was scam. 
Can you please help me resolve this issue and help me get my money back.
We paid off a loan at XXXX XXXX XXXX XXXX. The loan was paid by The Money Source. We were told by The Money Source that we would get out money from the Impound account after closing, which should had been around {$1300.00}. XXXX XXXX XXXX sent is a check for XXXX and some change and told us that they accredited the impound account to the payoff of the loan. We were never informed of this procedure. No signature took place or any information was given regarding this. What we are saying is we never agreed to do this with The Money Source or XXXX XXXX XXXX. The Money Source said that they did not know companies did this. On the Borrower 's Settlement Statement it shows the Homeowner 's Insurance {$850.00} and Property Taxes {$500.00} in the closing of {$170000.00} which was paid by the Money Source. The Money Source got the escrow account and has put it all on XXXX. XXXX. had no rights to take our Impound account and apply it to the closing of the loan. This was reason we had The Money Source to pay off the loan. My husband and I feel that both the companies are giving us the run around. We never received any signing documents stating this was going to happen. XXXX XXXX at XXXX XXXX XXXX is the loan officer and XXXX XXXX at the XXXX company
I have several student loans thr ough KHESL ( Kentucky Higher Education Student Loans ) that have been consolidated through the Department of Education in  XXXX  2016. ALL of my loans are showing in FOREBEARANCE, DEFERRED, PAYING AS AGREEDetc. These loans should have been closed and ALL of my Credit Reports should reflect this. I have been battling this with the credit reporting agencies and this still has not been updated corr ectly and it is over a year.
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.
On XX/XX/18 my debit card number and PIN number were used to make a fraudulent transaction of {$270.00} at a XXXX  grocery store and the person also attempted a {$320.00} transaction but chase froze my card already at this point. Chase refunded me the {$270.00}, on XX/XX/XXXX the took the money back out of my account and Im getting bombarded with overdraft fees. I received a letter saying it was ruled as authorized because my PIN number was used. I was told if I had any other information to send it through fax to them. I sent them my emails with the XXXX  police, and screen shots of my XXXX location services putting me a 35 minute drive away from the place the transaction took place at the time it took place. I dont think chase will help me and I dont know what to do at this point.
Usaa will not verify me for my account that I have been locked out of and now, after reading consumer report s and seeing this is a company scheme, I want the account closed. The company, usaa, refuses to respond to multiple telephonic and e- mail requests to do this when it was apparent that there never will be verification and my info is being, sold, used, and manipulated for financial gain. Shut it down!!!
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  : reference number  XXXX  Dear Customer Care, My  XXXX  year  old son  XXXX   XXXX  purchased one of your reloadable prepaid cards from a   XXXX   gas station on  XXXX   XXXX ,  2017  around  XXXX . He spent {$110.00} cash. There was difficulty registering the card and  XXXX  subsequently emailed to  XXXX  XXXX  XXXX  a wide variety of personal identification and a copy of his registration attempt. Even after all of this effort he was unable to activate and use the account.  XXXX  was unable to provide a cash receipt for the purchase when we requested the receipt. We are feeling a little bit ripped off here and are contacting th e Consumer Finance Protection Bureau to try  to help get this card activated. Copies of the card ( front and back ) and registration are attached.   The card number is :  XXXX  Please contact me at  XXXX  to let me know how best to activate our card or refund the purchase price.
Was contact by an outfit called Summit Consumer Group about an XXXX credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from XXXX with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX. This Summit Consumer outfit is very sleazy and unprofessional They catch people off guard and out of the blue.
I am currently disputing negative items on my Equifax credit report upon every dispute I am penalized Equifax drops my score by major points. Is this fair? I am trying to pre-qualify for a home loan. The way Equifax is dropping my score for every dispute I will never get a fair chance to be able to own a home. Can someone help me understand why I am getting penalized for fighting the negative information on my credit file.
Transunion credit report shows several errors that should be clear to the customer service representative however they will not correct 1 ) XXXX account # XXXX shows paid in full XXXX balance which is correct however transunion also has monthly payment as XXXX when the account has a XXXX balance the monthly payment should now report as XXXX 2 ) XXXX   accounut shows a account balance of {$5.00} but a monthly payment of {$30.00} how can this be correct 3 ) XXXX XXXX XXXX account XXXX account shows last update as XX/XX/2018 however the account has paid in full and has a XXXX balance
Once my forbearance ended, I applied for another one. Navient denied my forbearance request. I spoke with Navient on the phone and was told my payment would be around {$120.00} per month. I explained I could not pay that and I was told that was as low as they could get it due to my income. I explained that although my income is fine, I have other bills and there simply is n't {$120.00} left over to pay this. They refused to work with me so I told them I would pay them what I can each month. For several months, I paid {$50.00} as that was all I could afford. Once my husband received a raise and I also received a raise, I began paying {$150.00} a month, the {$120.00} plus a little extra to help make up for the other months I paid {$50.00}. Navient is still calling me daily, emailing me with forbearance forms to fill out even though they have repeatedly denied them and sending me delinquency notices. To make matters worse, they are reporting me every month to the credit bureaus as being XXXX days late. Navient last reported me XX/XX/2016, since XX/XX/2016 my credit score has dropped XXXX points and the only negative I have on my credit report is Navient. My husband and I work very hard, we pay bills and buy groceries and thats it, yet we still live paycheck to paycheck and now I have a dwindling credit score to add to it. At this rate, I will have no credit score by the time Navient is done. This is absolutely ridiculous. I have tried to get Navient to work with me but they simply do not care. I 'm going to have to call them AGAIN just to be told by some rude customer service rep that there is nothing they can do. I understand I owe them over {$700.00} from the months I only paid them {$50.00}, but I am paying more than my given payment amount in order to pay that down and I do not feel that my credit score should suffer every month just because of this. Navient does not care about anything but getting their money. I am doing the best I can.
I have been contacting them numerous times to advise them that I demand a cease and desist against an out of statute debt. They repeatedly send me letters that do not offer the validation of debt miranda nor the mini miranda. I have told them they are in violation of the FDCPA and to cease communication. The last letter I got from them said that even though they are a 3rd party collection agency they are not subject to FDCPA rules and regulations because it is a government fine they are trying to collect. They have changed the structure of my cease and desist of an out of statute debt to show that I am asking for validation of debt which I am not. Again they keep stating they are not subject to FDCPA rules and regulations. Even after the cease and desist they have continued to mail me Dunning letters.
Chase Credit card provided a credit card number to a merchant that I had not provided myself. I called and put the charge in dispute, Chase committed fraud by providing my credit card number without my approval to a merchant
Account was sent to collection agency - Diversified Recovery Services. I 've asked not to be contacted at work, but calls continue.
I called Transunion and spoke to XXXX XXXX. I informed her that several inquiries on my report were reinserted on my report after previously being deleted. I got this information at the result of my credit monitoring. The inquires are : 1. XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX and XXXX/XXXX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8. XXXX XX/XX/XXXX, 9. XXXX XXXX XX/XX/XXXX, 10. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 11. XXXX XX/XX/XXXX. I asked XXXX XXXX to permanently remove the reinserted items but she refused, even after confirming they were removed and then reinserted. I expected Transunion to follow the laws that are in place to protect us consumers.
Wells Fargo is playing games, 1. We were in the middle of a open BK and they were aware 2. Wells Fargo set a FC date when we didnt have BK Court approval to sell yet.

3. They kept harassing tenants who ended up breaking the rental agreement 4. They were aware of the issues on title and our WF rep who calls was aware of the BK filing and the issues with title.

5. They are refusing to cooper rate 6. They caused the first buyer to walk by having people trespass and harass the tenants 7. They are refusing to work with us on the short sale even though we have had approval that conflicted with the bankruptcy not allowing time to close 8. They were informed of our process many times on recorded phone calls. 
9. They hadnt done anything for years with the home, now they are pushing to FC on it.

9. We had a approval for the last buyer, and they were informed that we had not had BK COURTS approval and refused to give them an extension on the purchase giving them 20 days to close which would violate the TIL laws. The lien removals will take about 3 days, and the process was started. They were informed.

10. Because of their games, we had to get a new buyer who has agree to the terms of the prior approval. We can close in about 70 days or 30 after the Bank Bankruptcy lien stripping is done. Please have them cooperate and work with us.

11. we have a XXXX XXXX approved price 12. complaint has been filed with XXXX XXXX 13. complaint being filed will BANKRUPTCY COURTS 14. complaint is being filed with attorney generals office and DFI AND STATE OF WA 15. LOOK AT THE FILING DATES OF THE BK, THE  APPROVAL AND APPROVAL FROM COURTS AND FILING TO REMOVE THE LIENS.
From phone # XXXX Supposedly Wakefield & Associates Unknown debt This phone number continues to harass my phone number even though I have the number blocked. I have not received written notification of this debt/collection to date. 

XX/XX/XXXX- 13 calls XX/XX/XXXX- 4 calls in less than an hour XX/XX/XXXX, my phone received 12 calls I have blocked the phone number due to the amount of spam/scam reports. My phone keeps a log of the blocked calls.
Opened a XXXX XXXX card from American Express, with a signup bonus of XXXX Membership Rewards points after spending {$5000.00} within the first 3 months of the account being opened. I opened this card on XXXX of XXXX, and met the spend requirement in XXXX. Since then, I have had to contact American Express multiple times about the points not being awarded to my account. In XXXX, I was told that the issue was under investigation, and that a decision would be made by 8 weeks. On XXXX XXXX, I once again contacted Amex to see if progress was made. I was told by the customer service representative that the case was closed in my favor, and that the points would be " soon ''. The cause of the this delay was apparently a " technical issue ''. For over 5 months I received no information about the existence, cause, or resolution of this issue and had to contact Amex multiple times to check my case 's progress. Finally, after contacting two representatives on Amex 's chat tool, I was told that I would need to wait another statement period for the points to be awarded. Amex has already taken responsibility for this " technical issue '' and has offered very little in amending the situation.
This is the second complaint regarding this bank ( Huntington Bank ). My first complaint was resolved after approx. 2 weeks of fumbled research and was well documented that Huntington made an error ( issuing cashiers checks from a line of credit that I didn't authorize ).

Now, I just received an alert that I set up regarding a transaction that exceeded a predetermined threshold. Upon investigating the transaction I discovered the account no longer exists and I am not sure where the withdrawal of {$550.00} went.

I spoke with 3 people at the Bank and none of which can tell me what happened and why the account was closed. I was sent to a phone number XXXX that is simply voicemail. 

I have no idea if this was fraudulent or if there was another issue. However, I find it very unsettling that financial institution does not have anyone on hand to explain to the consumer what happened. 

This closely mirrors the previous complaint in which I was told there is no one in the Bank to address my concern because it was around XXXX ( not on XXXX ) and there was no one of authority around to remove the hold on my account despite the facts pointing to Huntington as the cause of the error.
XXXX XXXX XXXX consistently talks to my relatives, as soon as they identify as a relative, about my debt, how much is owed, account information and attempts to collect payment from them. The latest attempt was XXXX about XXXX.
XXXX XXXX My mortgage was transferred to Nationstar Mortage LLC from XXXX XXXX Co. 
I mailed my monthly payment to them as instructed with new loan number written on check. I also sent this payment certified mail. This payment was never applied to current loan account. Instead, payment was applied to an old loan account I had with company from XXXX. This old account has been closed. My XXXX payment is sitting in unapplied funds for old account, as I can view this when I login to my account. I have been calling trying to get this resolved. I made my XXXX payment, also certified mail, which was then applied for XXXX because they ca n't seem to move the funds from XXXX loan account to another for XXXX. I made another payment today ( XXXX/XXXX/XXXX ) on line to make account current and to avoid late fees and negative credit reporting. 
I have detailed notes from XXXX until now with the names of various " representatives '' I have spoken to. Every time I speak to one they respond with " I will submit a request and it takes XXXX to XXXX hours. '' I then call back for follow up and get the same response.
I have called and also submitted disputes online about the issues, when I first disputed the incorrect information it was removed. For some reason it was put back on, you responded to my first complaint through the CFPB stating that I did n't contact your company about the negative information showing on my credit report when in fact I have contacted your company several times, I have even faxed proof showing that information should have been deleted from my report and nothing has been done. I ca n't even dispute online anymore because every time I try I get a error message stating that I ca n't dispute it online. I 'm not sure what else I need to do to have the negative accounts removed from my report. You have addresses reported and inquiries showing that I did n't authorize and yes I disputed this last year and it was removed like I said earlier then it was put back on my report.
After a house fire that i had in XX/XX/XXXX, I had home owners insurance with Owen which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX Ocwen filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.
I am being harassed while at my place of employment by Capital One Auto Finance regarding a late payment. Several fellow employees have received phone calls from XXXX Representative name XXXX continues calling my employer in spite of being instructed not to contact me here.
I was added as an authorized user on a USAA Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.