WillisBack/dataset-financial-user-claim huggingface dataset:
Dates : XX/XX/18 and XX/XX/18. Company : Experian. Problem : Completely inadequate phone/web services for lifting a freeze on a credit report.

Trying to execute a temporary lift on the freeze I have on my credit report. Calling customer service provides NO option to talk with a live person, refers you to their website, and abruptly hangs up. Automated phone options only offer two options : to order a credit report or inquire about fraud - neither of which satisfies my needs - ( XXXX ) XXXX. I called the business division since nothing else was working and received a very rude explanation about how Experian is silo'ed and the business division can do nothing to help me. That rep hung up on me - ( XXXX ) XXXX. Going through the Experian website, for the last two days I have selected the option to 'lift or remove ' a freeze on my credit report. The link is dead and takes you to a page that simply says 'loading ' but never loads. Option should be functioning for all browsers. https : //www.experian.comXXXX I went through the website to get a 'one-time PIN ' for my creditor to use to access the credit report. My creditor tried to use that PIN said it was kicked back and did not work. Horrible, frustrating service that renders the consumer unable to lift freeze on credit report. Please see XXXX reviews regarding Experian. More than two dozen reviews, only one review has anything but 1 star for all the same reasons noted above. The horrendous level of customer service reaches beyond inconvenience and is potentially damaging to consumers.
I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with equifax,  XXXX , and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!
Approximately 10 years ago I helped a family member secure the mortgage on her property in XXXX XXXX, Fla. The original Bank was XXXX and is now Wells Fargo. I was to be a " back-up '' instead the mortgage is now on my property here in XXXX and she refuses to pay when she promised she would, to the tune of {$240000.00}. The Bank sent her the check and she signed my name. They have conveniently, misplaced the check. They said the time limit was up. My complaint is that they are refusing to give me a modification. I would like to know why. I am a senior citizen, and at this rate I am having a difficult time paying down the principal. The interest payment alone is {$900.00}. every month. Can you help me. Thank You XXXX ( XXXX ) XXXX XXXX
I have been monitoring the Equifax information breach that occurred recently, and deemed it necessary to place a freeze on my credit. 
onXX/XX/XXXX, I placed freezes through XXXX, XXXX, and XXXX. Those actions took maybe 30 mins tops for all three combined. I have been attemptingto freeze my credit through Equifax to no avail. I have tried three times via the website ( https : //www.freeze.equifax.comXXXX ) and twice via phone ( XXXX ) with no assistance being provided. This is extremely frustrating as the company is the cause of this disturbance. I am appalled as to why this process is so tedious. I believe that Equifax should freeze all accounts as this breach is on them and their failure to protect the public 's secure information.
I have been paying on " XXXX '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, XXXX says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on XXXX of XXXX of these businesses.
My complaint pertains to PNC Mortgage and automatic termination of PMI. I originally closed the associated conventional loan through iMortgage in XXXX, XXXX. XXXX, XXXX was the original provider of the PMI. My monthly PMI payments were {$43.00}. The loan was sold to PNC Mortgage and one of their companies took over the PMI. When I closed with iMortgage, the closing documents included the Private Mortgage Insurance Disclosure -- Fixed Rate Mortgage ( copy of this is attached ) document which was the only PMI information that I received during the mortgage and closing process. Under Automatic Termination of PMI, it states the following : " If you are current on your payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. For balloon loans ... ... .. '' When I signed the PMI document, I asked them about the XX/XX/XXXX date. I recollect that they said the XX/XX/XXXX date was used so that I could pay down the loan and once the principal was below 78 %, the PMI would automatically be cancelled without having to pay it until the principal balance of loan was first scheduled to reach 78 %. 

I have been going round and round with PNC on cancelling PMI for months. I originally asked a question online about the termination/cancellation in XX/XX/XXXX and at the end of XX/XX/XXXX received a letter saying that the loan closed as a primary residence so it was part of the Homeowner 's Protection Act and they sent me a bunch of information regarding the right to terminate and automatic cancellation. At the time, the loan principle to appraised value was below 80 % but not 78 %. They said I could request termination, but would have to have the property appraised for {$500.00}. They sent the forms. The two letters that PNC Mortgage sent to me on XX/XX/XXXX are attached. 

The principal balance was below 78 % with my XX/XX/XXXX payment but PMI has not been cancelled. On XX/XX/XXXX I wrote PNC Bank a letter requesting cancellation of PMI. A copy of that letter, copy of the PMI Disclosure statement, and their response is attached. They are now saying that after further review, the loan closed as a second home and is not covered by the HPA and does not allow for automatic termination ; however, the loan adjuster allows automatic deletion once the LTV reaches 78 % by original amortization, which is XX/XX/XXXX. They never addressed the automatic termination date of XX/XX/XXXX which is in the Private Mortgage Insurance Disclosure -- Fixed Rate Mortgage that I signed. 

My complaint is that the PMI disclosure statement does not distinguish between primary, secondary or any other ownership and clearly states an automatic termination of PMI when the principle balance is first scheduled to reach 78 % of the original value of the property which is XX/XX/XXXX. PNC 's website on PMI at https : //www.pnc.comXXXX, seems to back this up ( copy attached ). The current principal to OV is below 77 % and I still request cancellation of the PMI. I seek your assistance and advice. 

XXXX XXXX
I attempted to cash a check at a Wells Fargo, drawn on a Wells Fargo in XXXX California. The customer service manager informed me that there was a fee of {$7.00} to cash the check because I do not have an account with the bank. They refused to issue payment because I would not accept a {$7.00} fee for funds drawn on their institution.
I receive a medication at XXXX Hospital located in XXXX, NJ. I have been receiving the drug there since I stopped going to XXXX medicine in XXXX XXXX for the same reason for the same reason. XXXX, the company that manufactures the drug placed me in an assistance program that gives me the drug called XXXX for free. XXXX hospitals send claims for the drug to my health insurance making claims as if they purchased the drug in their own pharmacy. XXXX medicine has already sent my bill into collections even though I have made many attemps to resolve this issue by getting funds from drug copay assistance programs, that they refused to accept. XXXX hospitals wait until a year later to inform you that you owe them money which I had no idea about because I thought that I received the drug free through XXXX, the company that makes the drug. This process has been a nightmare. The do n't even want to resolve the issue when XXXX calls to discuss the issue.
I moved in to XXXX XXXX XXXX XXXX XXXX located in XXXX tx XXXX on XX/XX/XXXX my lease was from then until XX/XX/XXXX.. I sent my 60 day notice via email which is required in the lease although it isnt stated how it should be received just a written notice. I vacated and left the apartment spotless which I have pictures to prove.. I have the manager XXXX my forwarding address to which I got a letter 3 months later in XX/XX/XXXX stating I owed over XXXX in debt because I didnt give a notice and they charged me a reletting fee and also some other minor charges.. I have tried several times to resolve the matter by sending proof of harassment previously experienced by XXXX and also pictures and proof of my 60 day notice with a response of my rental ledger but all to no avail.
Received letter dated XX/XX/17 from Vengroff Williams , Inc. stating we owe {$430.00} for a credit card charge back for their client XXXX. We have never had a XXXX credit account. Letter stated it was a second attempt. Never received first notice. We believe this is fishing, fraud, scam or identity theft related. We tried to call company but can not reach someone live and are concerned about fraud and leaving information on voice mail. Account number listed is XXXX, reference number XXXX. Letter is attached to this complaint.
In my credit report is a hard inquiry I did not recognize as authorized.

In result, my credit score dropped down.

I received a copy of my Experian credit report on XX/XX/2018. The credit report showed a credit inquiry by XXXX  on XX/XX/2018.

I talked to customer service and credit card specialist 2 times and after verification, they assured me ( no case number ), the inquiry will be removed up to a month. But they didnt. Then I sent a letter to the corporate office and received a response on XX/XX/2018, confirming they will contact Experian to fix this error. Their credit card specialist did nothing again and they dont introduce themselves.
I bank with Bank of America and I have been noticing lately that they have been charging me overdraft fees for things they never use to charge before and this is REALLY causing a financial burden on me. On  XXXX  I had  XXXX  dollars in my account I needed gas. For as long as I can remember and everyone in the world I know takes advantage of the fact that you can fill your car up with  XXXX  dollar in your account. I 've done this for years and never once been charged a fee. On  XXXX  I transferred  XXXX  dollars to my savings and I had  XXXX  dollars left in my checking and I filled my car with my debit card that 's linked to my checking. I filled up for  XXXX  dollars. When my  XXXX    XXXX    XXXX  card transation posted Bank of America gave me a OD FEE of  XXXX  dollars because they said I transferred the  XXXX  that had I never transerferried the  XXXX  and left the  XXXX  in the account and then got the  XXXX  in gas it would 've never triggered an overdraft fee. WHAT SENSE DOES THAT MAKE ITS STILL A DEBIT PURCHASE AND IM STILL OVERDRWING THE ACCOUNT EITHER WAY. They refuse to refund it and it 's not right why ca n't I trensfer my own money when I want to. This was not a reoccurring debit charge and it was n't ACH charge. Also on  XXXX  I had and ACH trigger for  XXXX  BOA returned as they should because there were no funds in the account, but the merchant  XXXX   XXXX  charged my account in error. They even sent me an email stating their systems are down and my payment was n't supped to be til  XXXX   XXXX  not  XXXX   XXXX . I called boa and asked them to please refund the fee due to merchant error and they refused they said I ca n't file a claim and present documentation on the charge because it was n't paid. That 's ridiculous. So charge your customer  XXXX  dollars add more financial strain to them when they have documentation that the charge was to come out  XXXX   XXXX .
I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.
I took a {$21000.00} loan out in XX/XX/XXXX from XXXX XXXX who is now Navient. This loan was meant to pay for expenses while in school at XXXX XXXX. I ended up having to withdraw from that college and never received any degrees or credit hours from that school. I was also out of work so the loan was paid for school supplies and tuition that never amounted to anything tangible for myself. I continued on to another school in the years that followed. My loan was in deferment due to being in school full time. I was n't aware how much the interest collected over the time i was in school and the balance ballooned to {$46000.00} with 10.75 % interest on top of that. Now payment time is here and i went into a payment arrangement over the last year paying {$230.00} a month. The agreement recently ended and my loan balance is actually higher by {$200.00} than when i started the payment plan. Now the minimal is over {$400.00} and with a mortgage, XXXX small children, wife not working i can not pay this. Even if i did pay it over the course of the loan term i will be paying {$150000.00} back to Navient for a original loan of {$21000.00}. I feel like i was deceived for many years and the interest rate will have me handcuffed for the next XXXX years of my life. I feel there should be something that can be done to assist with me since my loan paid tuition, and school expenses for nothing that assisted me in my future careers or education. There is no way i can afford those payments and with the possibility of paying {$150000.00} for a loan of {$21000.00} i am considering bankruptcy. Please help as Navient has not be of assistance and are in the process of ruining any chance i have of living a sustainable life.
On or about XX/XX/2018, I purchased on XXXX a wheelchair ramp for {$240.00}. Upon delivery of the item by XXXX, I unpacked and tested the ramp by setting it up on my van and by walking up the ramp into the van. I found that the product lacked quality and fitness for use because at the center hinge point the ramp would give, causing a sense of instability. I called XXXX requesting authorization to return the item for Visa credit, but was told to call a third-party vendor of XXXX located in XXXX, CA. I did so and after explanation received authorization to return the ramp, which I repacked in the original box and sent by XXXX at my expense of about {$30.00}. The ramp was received in XXXX and the merchants did not enter a dispute. On XX/XX/2018, Bank of America posted a credit for {$240.00}. Inexplicably, however, on XX/XX/2018, BofA sent me a letter stating that I still disputed the charge I needed to sign and return the letter within 7 days. No merchant dispute information was sent with the letter. I did not read the letter soon enough and my monthly statement revealed that on XX/XX/2018, BofA reversed the credit. On XX/XX/2018, I faxed a letter to BofA requesting correction of the reversal, but my request was ignored. BofA caused me a forfeiture by setting up a false dispute when the merchants did not respond to my credit request.
Illinois Department of Employment Security. IDES electronic deposited funds into my U. S. bank checking Account. I was terminated on XX/XX/XXXX by my employer. I filed my u.i. claim on XX/XX/XXXX. I filed as terminated. On XX/XX/XXXX XXXX XXXX of IDES entered a laid off status into my U.I. claim. And locked me out of my u.i. account, regardless of my effort to refile my claim on XX/XX/XXXX as terminated status.This generated a check of {$160.00} electronic deposited in my account on XX/XX/XXXX. This is a scam by IDES. I have to appeal any decision made by IDES if I am not found in favor to receive u.i. benefits. IDES would then want these funds returned. I notified my bank onXX/XX/XXXX to resins the deposit back to IDES. The U.S. bank has 10-90 days to decide.This IDES has placed financial hardship, and undue hardship, up on me by their deliberate actions. This is not a case of a mistake, or poor customer service. This is discrimination and corruption. I am a senior on fed.gov housing. I receive a URP utility reimburstment check of {$77.00} per month to pay utility cost. When no income is being earned. If I have income hud stops the urp monthly payment. If IDES orders me to pay monies back at a later date, that they issued on a laid off status that the state worker made. I would have to pay the funds back if found not eligible for u.i. benefits. And I also stand to loose the {$77.00} URP payment from hud. Because of this Unemployment benefit issued deposit. I am a senior. I filed a complaint with the OIG Il. Office against IDES. I notified DHA-HUD of this scam. And for their office to decide their own conclusion. I notified the bank. I called IDES for over 24 days and was hung up on, and no call returned. And then when my call was returned, IDES Does this. My first call was in the first week of XX/XX/XXXX to Tell IDES my last day worked was XX/XX/XXXX not XX/XX/XXXX as IDES had entered on the claim. This how corrupt this state of Illinois is. This was a attempt to not pay my 2 weeks wages from the employer. I filed a claim on XX/XX/XXXX with the labor board of Illinois for unpaid wages. My check was sent on XX/XX/XXXX later on in the day.. This is how the state workers and the companies and their employees, are speaking to one another in a underground organized crime corrupt network, on what they think they can get away with on workers and the people in the state. Let me make this clear I am going after the state of Illinois and IDES and the banking system the state uses. I do not know the state of Illinois and IDES banking system. I want my bank to show the world that IDES  and the state, with all their different scams in state offices, they can not push U.S. Banking customers around.
I have a loan with XXXX XXXX  XXXX/XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and ( Account Name ) with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
I tried multiple times to apply online and first i need to update my information on my profile. Phone and address are 5 years old. I was advised in several emails from bad service reps, i have to update my info online only. I tried and tried It wo n't save the new info. I have new bank info and how do i fix that? My main complaint is i contine receiving a denial letter when i try to apply!!! Inquiries and denials on my credit. When I went to customer service using their message I received no assistanceand was told to update it online.
Listed price on the window $ XXXXThis is Range Rover 2014. 
Lease is for 48 monthsMonthly payments $ XXXXResidual value after 48 months on contract is {$38000.00}. 
24 months have gone byso question is if I pay {$1600.00} for 48 months is equal to {$81000.00}. 
Almost paying off the car. 
The lease deal is not at all right, Monthly should not be between $ XXXX based on my previous lease experience. On checking back with the dealer, I was told that I have already signed the agreement.
As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX {$560.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.
Aspen collections is attempted to collect a debt that I do not owe. The original company in question is XXXX XXXX in which the account was fraudulent. The account was cancelled within the reasonable time of 30 days, but XXXX never cancelled it. The account was sold to Aspen collections in 2014. Aspen collections has added an unjustly charge each month of up to {$13.00} in order to keep the account active. None of this is owed. The account started out at {$3500.00} and has risen to {$4600.00} with these added charges.
The bank has charged the account with late fees, forward the Fraudulent charges to the new account and allowed double charges from amazon.
I am having major problems with receiving incorrect information from the service provider who is now Navient. They have repeatedly given me wrong information over the phone. I was told that I could do a XXXX payment that would take care of the loan for 3 months. They have consistently given me misinformation that is costing me my credit and higher interest rates along with putting me into default. They took my payment and changed their story saying I did not qualify even though they debited my checking account. This is causing me to default which I believe is intentional to drive up my rates. I was dealing with a lady named XXXX who has given me a vary hard time. I was hung up on. I am hoping to obtain an attorney. I am very upset, this is putting me into default and is appears to be intentional at this point. They have repeatedly also given me misinformation in regard to their credit reporting as well. I need help and hope to obtain an attorney for this. XXXX XXXX
FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM XXXX. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME.