WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Representative, I joined Experian to monitor my cred it scores. But it seems they only want to keep billing me more : first {$1.00} free trail then {$4.00} to see more info. then they wished to bill me {$29.00}. I need for them to cancel my subscription immediately! Please credit my credit card for these charges. I was led to think {$1.00} was good for 30 days.

This seems to be some kind of misinformation concerning the free trial to monitor you three scores for all three credit bureaus. Not honest.
XXXX loan has been paid in full and need to be removed from my credit report. Debt is reporting negatively on my report.
on XX/XX/2019 a debt collector from AA recovery phone # XXXX contacted the HR dept of my place of employment asking to speak to me. The representative from A recovery stated that she would put a 24 hr hold on my account and that I needed to go to XXXX and get a prepaid card and make some type of payment towards this debt or they would start garnishing my wages ( which is illegal in the state of Texas ). this person was very rude and threatening. I also informed her that they are NEVER to call my place of employment again
I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.
On XXXX XXXX, 2017, I attempted to open an account with BMO Harris Bank online through their website. When I made it to the identity verification stage, I was presented with five questions ( knowledge based authentication ) to answer in order to verify my identity to the bank. I answered those questions correctly, but clearly my correct answers were not the answers their KBA system was looking for. The application was rejected after this stage. <P/>I 'll provide a concrete example. One of the questions asked about a leased vehicle I currently have and wanted me to choose the name of the leasing company from their list. My car is leased from XXXX XXXX. The closest name on the list was XXXX XXXX XXXX. So I chose " None of the Above '' because those two companies are different entities. Clearly that 's not the answer they were looking for, despite the fact that it is objectively the correct answer. I 've since checked my credit reports from all three credit bureaus and they all show the lease is with XXXX XXXX, not XXXX XXXX XXXX. <P/>Anyway, I called in to continue the application 1-2 days later. The phone reps were unable to continue the online application, so I had to submit a new application over the phone. I was ultimately successful in doing so and the account has been open since that time. What 's interesting is the KBA questions they asked over the phone were different ( and easier ) from the ones asked in the online application process. <P/>That said, I recently received a denial letter for the first attempted account opening. I will attach a copy of the letter. The letter is basically useless. It only states that my XXXX Score from XXXX  may have been the reason for denial, but, crucially, only if a XXXX Score is actually listed on the letter. No score is listed on the letter, so that is clearly not the reason for the denial. <P/>The letter does not state the source of the information used to deny my account opening, nor does it state any reason at all for the denial. Now, I know the reason for the denial, but I do not know the source of the information they use to generate those KBA questions. <P/>Whatever the source of that information, some of it is incorrect and I need to be able to correct it. This is not the first time I 've encountered this issue while trying to open a bank account. The banks all seem to use the same vendor to generate these questions, so I have a legal right to know the source and content of the information about me. <P/>Since the denial letter did not state the source of the information used for the account denial, BMO Harris is in violation of FCRA Adverse Decision Notification regulations. As such, I ask that they comply with the letter and spirit of the regulations and provide the information I 'm entitled to.
On XXXX XXXX 2015, my wallet was stolen. I contacted the police and filed a police report at the scene, and then proceeded to contact my credit card companies that the card was stolen. Fraudulent charges were attempted on XXXX credit cards, XXXX of them being a Macys store card. On XXXX XXXX I called Macy 's to report the card stolen and reported {$550.00} of fraudulent charges on the account made that day. Customer service said they would replace the card, but could not do anything about the charges until they posted 2-3 business days later. I called back after the charges had posted, at which point Macys said I should be receiving a disclosure form to fill out from their fraud investigation department to fill out and the dispute would be resolved in XXXX billing cycles. Shortly afterwards, I received a new card from Macys. I received the fraud report form on XXXX XXXX, filled it out, and mailed it back to Macys on XXXX XXXX. I received a written statement dated from Macys dated XXXX XXXX stating that my statement was received and the claim should be resolved within 60 days. On XXXX XXXX I received a call from the Macys fraud investigation department stating that they would need to issue me a new card before they could start their investigation. I consented and a new card was sent. On XXXX XXXX, the amount in dispute as well as interest/late fees/finance charges was sent to collections. I received phone calls from collections at the following times : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. In all but XXXX cases, a human being was not at the other end of the line. In the XXXX instances where a human being was at the end of the line, I explained that the amount was disputed and there was an ongoing investigation with the fraud department. In all XXXX cases, the collecter said they would put a note on the account, but this did not stop the phone calls. On XXXX I called Macys to resolve the issue and was transferred between collections and the fraud investigation department. The collections side said they could not stop the phone calls until the account was paid. The fraud investigation side said they had not started the investigation yet but they would try to expedite it given the length of time the case had remained opened. I asked what would happen at the conclusion of the investigation and they said they would remove the charges and all associated interest and fees as well as send a written letter to the credit bureaus to remove delinquent account remarks and a written letter to myself concluding the investigation. I asked why they were aggressively attempting to collect the disputed amount. I also asked why non-payment of a disputed amount would be sent to the credit bureaus as delinquent while there was a current, ongoing investigation within their department. I expressed concern that these practices did not comply with the Fair Credit Billing Act. They explained that they were unfamiliar with any federal regulations regarding this matter and were only familiar with Macys store policies.
I am filing this complaint because during my pursuit to get an issue resolved with Experian, they have become unresponsive and non-complaint according to the law. I have been actively and diligently trying to resolve an issue that I have been having with Experian for several months. Specifically, in regards to a dispute for a collection account in which I have no knowledge of, and was never made aware of. In XX/XX/XXXX of this year, I checked my credit report and noticed that there was a collection account. Quite surprised, I immediately drafted a letter ( dispute ) to Experian, explaining to them that I was not aware of the debt, and would need proper verification/validation if indeed this was my debt. A few weeks later, after the investigation was concluded, Experian removed the account from my credit report as expected. About a month or so later, when reviewing my credit report, I noticed that the account had reappeared, with the same details as described above. Once again, I drafted another letter, this time asking why the account had reappeared, the manner in which it was verified, and an explanation as to why I was never notified of the reinsertion. This letter was also sent certified mail to assure that someone from their office received it. It has now been over a month since sending my last letter, and I have yet to receive a response in regards to my original dispute, or an explanation as to why the account reappeared on my credit report. I am frustrated with Experian because I have spent a lot of time drafting letters and money sending them certified, only for my requests to be ignored. This account has negatively impacted my credit rating, making it difficult to obtain certain loans for my family. I am writing this complaint because I feel that Experian has violated my rights as a consumer. I feel like I have exhausted all of my resources, and hope that there is something that your department can do to assist me in resolving this matter. I sincerely appreciate your time, and hope to hear from someone soon!
Hi, My name is XXXX XXXX. I live in Florida. I had a small grocery store in XX/XX/XXXX. For the credit card transaction I call the XXXX XXXX XXXX. This is a credit card processing company. After the contact they provide me a free credit card terminal ( XXXX  XXXX. Market value of this terminal around {$150.00} ). Its free for me as long I want to use their service. If not, I have to return them this terminal. I make business with them almost one and half years with no issue. In XX/XX/XXXX hurricane Erma came in Florida. And I get suffered very badly from hurricane Erma. The all city was out of power more than 10 days. So my business was closed more than 10 days. When power came back, I open my store and I saw my was totally empty. Some guys broke my store from back side and they stolen all Cigerates, beers, wines, sodas, juice, milk, candys, computer, laptop, all the groceries and valuables things. They also stolen that credit card terminal too. First I call the police for make a police report. Then I call the credit card processing company XXXX XXXX XXXX and splaying them what happens to my store and the terminal was stolen. They told me dont worry, we going to takecare of that. After that they never contracted with me. 7 months later suddenly I get a letter from a collection agency ( name : - Capstone Financial Management ). They try to say that I have pay {$3100.00} for the stolen terminal. I asked them the terminal market value is around {$150.00}. Why I have to pay {$3100.00}? They cant give me right answers. They told me, they gon na talk to XXXX XXXX XXXX and then let me know. They never call me back. I talk to XXXX XXXX XXXX, they told me they gave me 3 terminal and they gon na charge me {$1000.00} for each terminal. This is not true. They totally wrong, false, and lies. They never gave me more than one terminal. They are trying to charge me illegally. This is a bad company and they are doing fraud me.
I am attempting to pay my private loan off as soon as possible, but my lender is making that extremely challenging. LendKey holds my current 10 year loan with an interest rate of 6.65 %. The auto-debit option gives me a 1 % discount on my interest. This auto-debit happens on the XXXX of the month. I asked to have my payments increased to pay off my loan sooner and I was told that it is impossible due to my current loan terms. I was told to pay the additional amount separately every month. For the last 2 months, whenever I tried to make a separate payment LedKey would only debit the different between my payment and the amount due ( {$2.00} in this case ). I spoke with them today and was told that they will only count the additional payment if I pay between the XXXX and the XXXX of the month. I was not informed of this the last time I spoke with them. When I asked if I could potentially refinance my loan to a shorter pay off time frame ( XXXX instead of 10 years ) and thus a higher debited payment, I was told that they will only refinance over {$75000.00} worth of debt, and I do not have that.
I want to a chase branch to open a bank account for myself the lady started to open the account she ask me did I ever had a account with chase before I said no. She told me there was a account in my name in that account was abuse that someone deposit bad check in my name I told her no I do n't do that so she told me I can never open a bank with chase again so I would like this to be investigated I was a victim of identity theft before so I want to my local police department to file a police report.
XXXX  XXXX XXXX ( XXXX ) did not follow the Office of the Comptroller of the currency regulations ( OCC ). XXXX only stated that the information reported to the credit reporting agencies were accurate. Charging-Off a consumer prematurely without abiding by the OCC rules does not constitute fairness and shows unscrupulous practices. I disagree with the validity of the charge-off. 

I would like to know why weren't the rules of OCC followed and why was my account charged off prematurely. The OCC regulations state that an account can be charged off when any loan has been delinquent for a period of time " or '' deemed uncollectible. Based on my negotiations with BOA representatives, my debt had been reduced approximately {$6000.00} within an 8 month period. I was making payments when the account was charged-off which is proof the account was collectible.
There was an unauthorized hard inquiry on my credit report, as provided by credit karma, from XXXX XXXX, today, XX/XX/2019. 
Neither I nor any member of my family has contacted XXXX XXXX for any reason.
I had a home equity loan with Citimortgage and 6 years ago I was given a loan extension. The information on their website ( and information that I was given ) stated that the interest was due by XX/XX/XXXX. The balance on the original loan was paid off in XX/XX/XXXX ; however, Citimortgage chose to not credit this payment because " their system '' would n't allow for this to happen. I continued to pay at least my normal payment until the balance of the extension interest was paid in full in XX/XX/XXXX. Then " their system '' allowed for my payments to be credited to the account. My credit report shows 5 months of missed payments when in fact there were XXXX months of missed payments. I paid everything per their agreement and this should be reflected as on time payments until the account was closed. I contacted Citibank throughout the process and employees said that they agree with me but there is nothing that they can do for me because their system wo n't allow it.
I entered into a home preservation program with Wells Fargo in XXXX. I made payments through XXXX. The payment amounts were approximately {$1000.00}. I had to make my payments by phone to XXXX XXXX at XXXX Ext : XXXX according to Wells Fargo preservation program. I could not make the payments on line. I did not receive a mortgage statement, and the online account did not reflect the proper credit from my mortgage payments. I complained and was told that it was because I was in this program. The Wells Fargo statement I have attached I downloaded from the Wells Fargo website because I have not received anything from Wells Fargo mortgage in the mail since XXXX. The statement reflects that the mortgage payments were approximately {$1200.00} but the documentation I received from the preservation program reflected the mortgage payments to be {$1000.00}. My house flooded in XXXX and XXXX. In XXXX I sent a request to Wells Fargo asking for assistance from the flood and also stating that I would be late on my XXXX payment and possibly my XXXX payment because I needed the money to payment for items that lost during the flood - a mattress, etc. Today I called to make my XXXX and XXXX payments and was informed that I was 6 months behind on my mortgage payments and that my house was in foreclosure. I never received anything in the mail about a potential foreclosure on my home. I recently took a hardship withdrawal from my retirement plan to make the repairs on the basement, so why would I ignore payment notices, foreclosure notices, phone calls, etc. I didn't ignore them, I never received them.
XXXX 's debt collection agency calls nonstop every single day. They don't leave messages at all. They call my house phone and my cell phone repeatedly. I spoke with this debt collection agency about my bill on XX/XX/18 and told them that I will pay the bill when I get the money. I told them I would pay the bill early XX/XX/XXXX. The calls are as follows : Cell Phone : ( XXXX ) XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called twice House Phone : XX/XX/18 - called once = 3 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called once = 2 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called once = 1 time that day ( can't believe it ) XX/XX/18 - called once = 2 times total that day XX/XX/18 - called once = 1 time that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called three times = 5 times that day ( I spoke with them this day about paying my bill when I got the money. The supervisor on the phone continued to ask me to leave credit card information for payment arrangement after I told him, probably like 6 times that I would call them back to make the payment. After speaking with them, I got another call from them at XXXX XXXX  on my cell phone )
I had a credit report pulled with my financial institution and there was a social security number on it that does not belong to me.I went down to the social security office and they told me they do have an official person with this number and they are receiving benefits and he said this person must have made a mistake with spouses number and put my number in his information instead of his spouse 's and now his number is on my credit report from Experian I tried to call Experian about this and only got a recording.I would like this person 's number of my credit report.I looked my credit report over and all the information is correct so this is just a mistake on the benefits part but I want it off my report. My number is the top XXXX the wrong number is underneath mine
On XX/XX/2019 at XXXX a male representative from a collection agency called from Hunter Warfield telling me XXXX and/or XXXX XXXX owed money from a business called XXXX XXXX XXXX. I immediately looked up the business online & saw it was apartment buildings in Connecticut. No one, including my self, in my family has ever lived in Connecticut. I told him there are 2 XXXX XXXX ( Mother & Daughter ) & 2 XXXX XXXX ( Father & Grandson ) & I asked which ones he was calling about. He could not tell me. I asked for a supervisor & a supposed supervisor named XXXX got on the line. I told him no one in my family owes whatever it is he is trying to collect. I then told him I looked up Hunter Warfield online & saw there were many complaints against his company for fraud & harassment. I also told him this is illegal & very upsetting his company telling me & my family we owed money to someone we never even heard of before. He then said something to the effect that if we are the wrong people, his is removing our telephone number from the list & he hung up on me. I am EXTREMELY concerned that this company is trying to fraud people out of their money & also EXTREMELY concerned that this may show up on my credit report. As I stated, neither I nor anyone else in my family has ever lived in Connecticut. Please help & please stop this awful company from doing this to people. 
Thank you.
We are having problems getting our mortgage company to release the funds that the insurance company allotted for repair of our house after the  Great Flood.  They released 50 % of the funds after we reached 50 % completion of the repairs, according to their inspection. This was after we had to get forceful with them to release that money. We have filed all the necessary paperwork to be our own contractors, due to the lack of adequate contractors or workers available to the contractors after the flood. We have gotten professionals to complete the work up until this point when it was needed, and would like to continue to do so. The problem comes in that they said our next inspection will be required at 100 % for them to release the rest of the funds. In other words, they would like us to complete the repairs out of pocket and then reimburse us?? We think the logic in this in faulty, and would like the funds ahead of time to complete the repairs.   The last letter they sent to us was stating that they had n't heard from us in 45 days and questioning why we were n't at 100 %. They said delaying on our part could cause a problem with the claim. It has been  9.5  months since the flood. There are shortages of materials and workers. Materials have been delivered damaged, or incorrectly. Nothing is moving quickly.   We are asking that the money be released to us in a timely manner, without the reluctance we have been receiving from them. If they were to look at our history of this mortgage, they would see that we have not been late on payments and we have even paid extra most months. We moved into this house 5 years ago, put a significant down payment on it at signing, and have taken good care of the house until the flood. After the flood, we made repairs to the outside of the house that the insurance did n't cover, which totalled arou nd 20,000. We are q uite vested in this house and have no intention of taking the money and running. We have taken a lot of pride in making our house our home, have all intentions of rebuilding even better than before, and do not appreciate the hoops we are having to jump through to be able to have access to  OUR  money.   In summary, we would like the rest of the money released to us so that we can make the repairs.