WillisBack/dataset-financial-user-claim huggingface dataset:
I 've reached out to Equifax several times (XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about unauthorized inquiries. addresses that were never associated with me and each person I spoke with was incompetent and refused to submit a dispute for the unauthorized inquiries. There were 4 addresses that I requested to be removed, and 10 unauthorized inquiries I requested to be investigated/verified, which were from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX (XX/XX/XXXX ) , XXXX (XX/XX/XXXX and XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX XXXX (XX/XX/XXXX . The agent I spoke with on XX/XX/XXXX gave me a confirmation number and told me address would be removed and the inquiries would be investigated and to allow 30 days for dispute results. On XX/XX/XXXX I received an emailed stating that the dispute was complete. Equifax online dispute system did n't allow me to check the results online. Which resulted in me having to call them, only to realize that only one of the addresses removed and none of the unauthorized inquiries were ever sent be investigated.
I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with XXXX and Equifax. I filed a dispute with both XXXX and Equifax to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.
Synchrony bank division handling XXXX accounts has repeatedly delayed processing payments and then charged late fees. I believe this is a practice several costumers are facing and it is fraudulent. 
In XX/XX/2014 payments were scheduled through our online banking system to be made prior to the scheduled due date to Synchrongy. We have used our bank 's online payment system for years. We have never had a problem with scheduling our payments to be sent from our bank to another bank, even with our bank sending the payment via US Mail. Nevertheless, Synchrony was processing the payments in an extended time frame in comparison to other creditors. Late fees began. After calling Synchrony and having late fees refunded, upon their recommendation, I adjusted the payment date to an earlier date through my online banking to ensure timely processing. After XXXX months, the delayed processing by Synchrony and late fees have begun again. If I had not been watching for this behavior, I might not have known to do so. Certainly, there are others who are unaware of Synchrony 's fraudulent tactics to make money in late fees.
Ive been writing and mailing Experian to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.
I requested a refinance of my car with XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Florida, on XX/XX/2018, of which I was a member of at the time. They did two hard inquiries when it should have been one which is affecting my credit score. I have contacted them, but was unable to resolve the problem.
Kings Credit Service acct # XXXX, should have been paid by my XXXX XXXX XXXX XXXX I have had XXXX XXXX for over 10 years, same account number just now a different County. They never submitted charges to XXXX, and now it is in Collection.
I was told that XXXX XXXX had reported on my report as themselves and XXXX which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans. My first payment was suddenly to XXXX XXXX as they say they sent confirmation of this. After I had them stop calling harrasing me at my job, XXXX is now trying to collect and I know they have been calling my office and cell phone not leaving a name after I have reported them and their affiliates to cease and desist with all contact except in writing. It is listed double on my report and I want it noted that they are not licensed in my state to do loans per the Alabama XXXX. They are all the same people. I have researched this and many states are filing suits for these illegal loans with interest rates above state laws where this company has been collecting from consumers illegally. XXXX XXXX and XXXX are affiliates. I was told to submit complaint with CFPB and if no positive response to refer back to them. Per the dept as they have been working on these predatory lenders, and if many states have already figured this scamming out, I 'm sure our state will get it done too.
XX/XX/18 I have paid my XXXX XXXX XXXX credit card, issued by XXXX Bank, account in full ( {$110.00} ) on XX/XX/18 and continued to get charges for late fees and minimum interest charge on an {$0.00} balance. This has happened to me on three separate occasions during the last 2 years. I received a call concerning a {$110.00} balance and was confused because I knew for a fact that the account had been paid in full. I did not understand what was happening until I pulled up my account online. I called the company ( XXXX Bank ) and was told that they would take the {$110.00} in fees off. I am complaining today because I know other consumers may be affected by this unfair banking practice by this company ( XXXX Bank ). Not only is this account affected by this unfair practice but my credit report has been affected as well as the company report late and missed payments to my credit report. 

Please Help
Last year as I was starting a new job, I was forced to sign up for automatic deposit. After giving my employer the account number and bank information, I thought I would be able to access my money on the date I was paid. 
Due to an error with the routing number, the funds were not made available to me. However, when calling to check what the issue was, I found that they had already accepted the funds but they just wouldnt make them available for me. So I couldnt ask my employer to send me my check again with the correct account because as far as my employer knows, I was already paid. 
Adding insult to injury, my account had just gone negative and I was charged an overdraft fee. This wouldnt have happened if they had moved the funds appropriately. 
To make matters worse, I was tossed around from department to department while calling chase about it until they closed on that Friday. 
I was not able to get my paycheck until that Tuesday at which point I had been harassed by the bank over the overdraft fee.
PayPal opened a credit account for me without my knowledge or consent. I only knew because I got a notice from my credit monitoring service that my account had been accessed by PayPal. When I called PayPal, I was told I had opened the account by clicking on the credit button, checking off the Terms of Service box, and keying in my birthdate and last XXXX of my social security number ... none of which I 'd done. When I escalated to a supervisor, I was told " you obviously made a mistake ... perhaps you have autofill on your computer. '' It was only after the conversation that I searched the web and discovered PayPal had been charged a $ XXXX penalty and forced to pay $ XXXX in fines in XXXX for this behavior. The fraud is still going on. I am 1000 % certain I did not sign up for their credit account, which I requested they immediately close. Still, my FICO credit score has been dinged because of my inquiry to open new credit, which was done without my knowledge or permission.
I received a letter from Transworld systems Inc. TSI ; XXXX XXXX XXXX , XXXX , PA. XXXX ; Phone XXXX. 
This is supposedly a debt collection agency trying to collect a {$22.00} debt owed to XXXX XXXX XXXX. I have no debt to this organization and when I XXXX XXXX., I got more than one company listed. When I XXXX Transworld, XXXX would not load their page because of an Unsecured website. 
When I called the phone number Transworld had in this letter ( XXXX ), I received a voice recording stating the person I at the extension I dialed ; XXXX is unavailable. Suspect this is a scam and will not make payment on something I can not identify or verify.
This morning before work I tried to get gas from the gas station using my Wells Fargo check card. I kept getting an error message, so I decided to go inside and see the cashier. She tried my card same thing happened staying error. I thought maybe it 's ' their ATM machine so I was go to a bank and and get money from the ATM, this process was making me late for work at the hospital but I needed gas to get to work. The ATM said invalid card after trying again several times. At this point I figured I need to call Wells Fargo to find out whats going on and they told me they closed my account. I was shocked and asked why and why I was n't notified they said they sent a letter but did not have to call me. I was so confused and today is payday so I had a direct deposit hit my account from payroll last night. I do not keep cash on me so I have no way of putting gas in my car to get to work. They told me they closed my accounts because someone used my log in information and attempted to deposit a counterfeit check from a company called XXXX XXXX XXXX ( the representative gave me this information ). I said that was n't me and I have no idea how that could have happened because I have not given anyone my information and never have heard of this company. After being transferred from dept to dept and finally getting the Executive office the ending result was All my accounts have been closed including my son 's account who is away at college since our accounts are connected and the only thing I can do is wait for the branch to open to take out all my money. To say I was disappointed and hurt by Wells Fargo lack of communication with their customers after something fraudulent is occurring on their account is an understatement. I believe maybe my account was hacked since it was a mobile transfer into my saving by a possible cell phone virus. I 'd be curious to know if they can track the cell phone number. Wells Fargo did not seem to want to assist me in anyway to investigate this matter they just wanted my accounts closed. My plan was to apply for a home loan with Wells Fargo along with my husband at the end of this year since we 've bank with them so long. I just do not understand how someone could do this to a consumer and the bank does not try to help them or notify them as soon as it happens. This is very disconcerting as someone who trust the bank to monitor their finances. Seems like they did n't believe me and was very cold about the situation asking how would someone get my log in information if I did n't give it to them? The same way criminal break laws and take advantage of companies all the time when the consumer is the victim. This is not just, and is really unfortunate.
The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable?
Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Syncb/XXXX XXXX XXXX  a request for validation and letter of dispute for an alleged debt that is reporting on XXXX  a {$0.00} balance and on XXXX   and XXXX a {$1000.00} balance. Syncb/XXXX XXXX XXXX received and signed for the letter on XX/XX/2018. Syncb/XXXX XXXX XXXX failed to respond to my letter of dispute/request for validation and to place comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Syncb/XXXX XXXX XXXX  for which they received and signed for on XX/XX/2018. Again Syncb/XXXX XXXX XXXX completely ignored my letter and failed to place a comment of dispute with the credit bureaus. By doing so Syncb/XXXX XXXX XXXX  is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.
Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction.
I have contacted  Nissan  in writing about enacted information like placing unauthorized inquiry on my credit report. Also I have contacted the  XXXX  credit bureau about information that should have been removed to update my credit report
I have been speaking to different representatives for over a month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I even have duplicate inquires on my report from where a creditor ran my credit twice within one month and a creditor is only supposed to be able to run your credit only once within a single month. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed. Today on XX/XX/2018 was the last time i contacted them and spoke to a person named XXXX who is a XXXX handler.
It is extremely difficult to repair and raise your credit score when you have multiple accounts for student loans. Student loans are high, and, unfortunately, falling behind means it affects your scores dozens of times. Student loans should be consolidated to one account so that it doesn't drag your credit score down. Low credit score because of student loans are having a harsh effect on the graduates quality of life which makes it even more difficult to pay back the student loan. This complaint is a call for legislation that would consolidate an individual's student loans into one account so that their credit score isn't so harshly affected.
The account has been reported in XX/XX/2017. I have not since received anything in writing documenting the debt. I have asked the creditor to confirm the last billed amount. They have not. I have asked the collection agency to do the same. No response in writing has been provided. I can not imaging owing this debt since I currently have active service with the provider. It was mentioned at the time I applied.
Santander Consumer financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records. Santander attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the  XX/XX/XXXX  was  XX/XX/XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .
I have XXXX complaints, the first is that I believe I was discriminated against, with an XXXX credit score I received an interest rate at 5.64 %. I am unable to disclose the names of individuals in my same situation with a credit score less than mine at 3.88 % and one less than that.. My second complaint is, my daughter had a XXXX in 2015, in an attempt to assist her while she was out of work I agreed to co-sign for a refinance auto loan ( same as above ). The documents were sent with both our names, we completed the forms and sent them back. According to a auto finance rep, there was an error and documents were reset to my home, labeled with where I should sign. My daughter went to trade in this vehicle for a lease and this is when we found put that she was not on the loan contract. We also discovered that this is an issue because I am not on the title or vehicle registration. They told us I just needed to be on her insurance. The dealership could not get title from Wellsfargo, Wellsfargo said that the title is " not perfected ''. We called the original loan company, XXXX XXXX XXXX and they explained that they did not release the title to Wellsfargo, but they will send the title to my daughter. We are confused and hurt. My daughter has not gotten any credit for her excellent payment of the loan, because her name is not listed on the loan docs ( they were originally, she initiated the loan ). We are in a bind and want to know if this is legal. Also they neglected to tell us that this loan was for 72 months at XXXX. My daughter has already payed XXXX for this honda accord as she had it for three years ... Now she 'll be paying XXXX over 6 years for a car that is 5 years old. At the end of the term she will have paid XXXX for a XXXX car. What have they done? 

We called to refinance yesterday and they now say that there is something wrong with my social security number. Well I have had this social security number for XXXX years, It is the same ss # they used to approve the auto loan last year and I have been a customer for over 20 years with wells fargo, so why now is my ss # a problem, again discrimination.
I was charged an annual fee on my Citi Credit Card without anoticd and was offered a refund, but then they would close my account.
When my husband left me in XX/XX/XXXX, I struggled to survive. I had a dentist bill of about {$00.00} and a electric bill of about {$600.00}. A credit agency got a judgment against me I could not pay. 

now, just today in XX/XX/XXXX that agency garnished my wages for {$430.00} per month. I am a single mother and me and my XXXX kids will not be able to make it if they succeed in doing this to me. 

I have since that time rebuilt my credit and I work full time. I am making it by the very thinnest of margins. I checked the law and the Statute of limitations has long, long since past by years on this debt. The have it worked up to {$4000.00}. now. The garnishment is illegal. But the credit agency just does what it likes, knowing that I can not afford an attorney to protest this. They figure we can get away with it XXXX times out of XXXX and the worst that can happen is XXXX in a while someone will make us stop. Most cant. Me being XXXX. Why do these credit people just do as they please with no accountability? 

This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week. 
I beg you to help. This is illegal and will devastate me and my XXXX kids lives.
Background Information On XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX to Shellpoint Mortgage Servicing. 
In XX/XX/XXXX the mortgage amount from {$1600.00} was increased without any written explanation to {$1600.00}. 
I called Shellpoint at XXXX and asked for the reasons on the increase. The reasons I was given were the increased property tax by XXXX County and the hazard insurance. 

Complaint no. 1. 
Keeping the increased monthly mortgage amount by Shellpoint without substantiation. 
Although a supplemental property tax increase has occurred, the increase was incorrectly done by the assessor 's office. The Assessor 's of XXXX County cancelled the increase on XX/XX/XXXX and XX/XX/XXXX. 
Shellpoint is refusing to correct the monthly payment from {$1600.00} to {$1600.00} as it was transferred from XXXX to Shellpoint. 

Complaint no. 2 Escrow Impound Account to include Property Tax and Hazard Insurance. 
Shellpoint, previously XXXX, previously XXXX XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX XXXX established an escrow account to collect for property tax and hazard insurance. It is pathetic how many times my mortgage was sold to investors, creating utmost processing confusion for this property owner. 
My hazard insurance is paid through the home owners association monthly fee. There is no need to collect for it. 

The property tax has always been paid for by this property owner. 
Shellpoint contracted with XXXX, a local company to process the property tax payments for my property. This is negatively impacting this property owner for the following reasons : a. ) The Property Tax Bill is mailed to XXXX. The property owner is not receiving it. The property owner has no first hand knowledge regarding the appraised value of the property for the year XX/XX/XXXX-XX/XX/XXXX. 
b. ) The property owner is denied of the XXXX County property tax appeal process. 
c. ) Should the servicing companies like XXXX and Shellpoint declare bankruptcy, this homeowner will loose his/her escrow deposited dollar amount. 

Complaint no. 3 Shellpoint tries to collect an extra monthly mortgage payment by claiming that the XX/XX/XXXX payment was missed by the property owner. I spoke with Shellpoint at XXXX. I provided the check number and date the check was cashed by XXXX XXXX XXXX dba Shellpoint Mtg. Srv. on XX/XX/XXXX. Shellpoint is unable to find the payment. Shellpoint will not correct their files if I do not provide a copy of the cancelled check. 
I believe it is Shellpoint 's responsibility to keep track of the payments. It appears that Shellpoint 's XX/XX/XXXX mail demand letter with penalties and threats to collect extra money is without merit.
XX/XX/XXXX I sent a 609 form stating for them to send me proof that the account or mine and just going to say they verified them I have yet to get proof from them.