WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint I am submitting is on equifax. This credit reporting company is reporting wrong incorrect information on my credit file. I just received an e-mail with the results of there so called investigation which took less than 10 days. XXXX acct # XXXX first it reported that my payments are {$4800.00} per month. I disputed that information as that was completely incorrect. Now they are reporting that my balance is {$4800.00} which is still wrong. I had an auto lease opened XX/XX/2013 for 36 months with payments of {$320.00} per month. The lease was up ( I returned the vechile 1 month prior to the 36 months ) and re-leased another vechile from them. The report is showing that they received payments for 28 months that would mean that the car was turned in 8 months prior to the lease expiring. This information is WRONG. I do NOT owe {$4800.00}. XXXX took my last months payment being I turned the car in 1 month early and put it into my new lease. I am very aggravated with equifax as they are just throwing any information on my credit report which is causing my credit score to decrease. I myself contacted XXXX and confirmed that the lease was to full term and paid. I feel equifax is not doing a proper investigation as it would come back to them that this account was PAID in full with NO balance. acct # XXXX. My next complaint is equifax said they completed there investigation and again with acct # XXXX XXXX it was first reporting as a {$380.00} charge off ( which is also wrong because this account was paid in full ) it now it showing a high balance of {$560.00} with a note ( charge off amount XXXX ). Under the comments though it says there was a charge off. This information is completely wrong. XXXX is no longer in business. I was told by a prior rep that they ( equifax ) never received a response from XXXX when I disputed this months ago. I was told by law it is to be deleted. I monitor my credit file very closely as my credit worthiness is extremely important to me. I have been trying to have equifax correct and delete these XXXX accounts as it affects my credit score. I will again be submitting a complaint to the Better Business Bearou again about equifax. This is my credit worthiness not there 's and this credit reporting agency is terrible. I wish to submit this complaint in hopes they will finally correct and delete these XXXX items as they should not be reporting wrong information like this on my credit file.
I received a letter from Synchrony Bank stating I had made an application for credit with XXXX. They requested I call to give them additional information. I called the number provided and was asked for my social security number. I did not give it to them. I asked that my name be flagged as having been the victim of attempted fraud.
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}
On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm XXXX  and XXXX XXXX. concerning the listed file number. I was forced to reach an agreement with this representative due to Capital Ones refusal to work with me. My contact through Capital One was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to XXXX and XXXX to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of Capital one. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both XXXX and XXXX and Capital One and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.
I purchased with my Chase VISA credit card XX/XX/XXXX a Tour with XXXX XXXX in XXXX XXXX XXXX. The tour company was very popular and we were requested to pay {$5000.00} in advance for a XXXX 16 day Tour package departing XX/XX/XXXX. In XX/XX/XXXX we were to have received our airlines tickets, hotel information, Optional Tours we purchased, River Cruise tickets, all parks and bus and plane travel and food was to be supplied. All prepaid by our family. 
The Consumer Protection of XXXX suspended the XXXX license and they ceased to exist effective XX/XX/XXXX. I tried to call the company on XX/XX/XXXX when I became aware of their Fraud and closure. The XXXX website and telephone number directed me to Consumer Protection of XXXX. Consumer Protection directed me to Chase Bank to # 1 put in a merchant dispute to get our {$4900.00} back from the merchant bank. After a few months the Merchant has  refused to refund our money because it has been over a year since we paid. 
Where I disagree with both Chase Bank and XXXX XXXX XXXX  XXXX is I believe it IS 60 days or one year from the date of DELIVERY of their service or product or goods. XX/XX/XXXX was our DELIVERY OF GOODS travel date. I don't believe the date I paid is the date to BEGIN my dispute. I believe the date services were to be rendered is the date to establish a starting point. XX/XX/XXXX!
On or about XX/XX/XXXX I was advised by Citi ( bank? ) that my Diamond Preferred Citi Master Card ( # XXXX XXXX XXXX XXXX in my name , XXXX XXXX XXXX ) was in late pay status by several days, I believe four or five. I was asked if I wished to make the late payment at that time directly from my bank, XXXX XXXX XXXX XXXX XXXX. I replied absolutely in that I was unaware that they payment had not been made. I also authorized the that the next payment that would be coming due shortly be made. Each payment was in the approximate sum of {$220.00}. 
The routinely checking account on XX/XX/XXXX. I saw that Citi had actually withdrawn by a check that looked identical to my own but was not, the sum of {$5100.00}. I immediately called Citi and was advised that the circumstances would require an investigation by them that would require ten to fourteen business days even though the initial conversation had been recorded by them. Upon hearing that, I did the following on the same day : `1. Requested my bank to return the check which they did : 2. Made the late payment on line ; 3.Established an automatic payment system monthly in an amount in excess of the normal payment ; 4. Canceled the card. 
The following ( or second ) day thereafter I received a call from Citi advising that they had done an expedited investigation and determined that there had been a " computer glitch '' and that they had taken the funds in error. I advised what steps I had taken so that the money was in fact in my account. 
On the XX/XX/XXXX I discovered that they had redeposited the check for {$510000.00}. My bank advised that it was to late to take any corrective action in that the check had already cleared my account. 
I again called Citi bank and they advised that they would begin an expedited process to return the funds, this time two to three business days. As of XX/XX/XXXX, the funds had not been returned. I again called and was told that it would take ten to 14 days to " investigate '' and that the matter had been run through 5 different departments. I asked to speak to a more senior person who stated that  she would look into the matter and get it resolved. Essentially, the same thing I had been told a week previously. I was also told that this sort of the happens routinely at Citi. I was promised a call back and that Citi had placed a " hold '' on my funds, whatever that means.
To date, Citi has held my funds 13 days, collected interest on same, overdrawn my account twice, caused at least six or seven over drawn charges on my account of {$35.00} each and caused me to  spend at least four hours ( each call to them runs forty five minutes to an hour plus several calls to my own bank of twenty minutes or more ). 
It is also apparent that Citi does this routinely ( there statement ) and thereby defrauds untold amounts of money from their customers, quite likely involving tens of millions of dollars considering their vast size.
I had a credit card with Suntrust that went into collections in XXXX. In XXXX, they issued XXXX cancellation of debt tax form, stating that this debt had been forgiven. That year, I had to include that balace in my taxes. Despite this, Suntrust continues to report that I owe then {$9400.00} on my credit report. I have disputed it multiple times, but they continue to tell the credit bureaus that I owe them this money. I have also contacted Suntrust about resolving this balance, but their representatives tell me that they can not accept payment because they issued a XXXX. It is unfair for Suntrust to continue to report this balance on my credit report, while simultaneously refusing to accept payment from me to resolve it. I am attaching a copy of the XXXX, and a snap shot of how this account appears on my credit report as of today.
I have multiple credit inquiries that I did not authorize. I have contacted  XXXX , Experian, and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
After chapter  XXXX  completion my credit report should show this debt as closed with a  XXXX  balance. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance.  Review  carefully and follow the law. This debt was discharged in  XXXX  and should show closed and   XXXX   balance. This company intentionally sent out an update after discharge that had inaccurate information.
Im trying to access my Capital One accounts with another application to try to save me money. But XXXX policy does not allow this.
I took out loans to cover my XXXX and XXXX XXXX education. After XXXX XXXX, I was hired by the Federal Government, consolidated my loans, applied for and was accepted into the Public Service Loan Forgiveness Plan ( PSLF ). My loans were transferred from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX ).  Before transfer, I was on a Pay-As-You-Earn plan, based on my salary. Payments were made monthly by auto-pay, without any problems. On XXXX XXXX, XXXX, the loans were officially transferred from XXXX to XXXX. From XXXX, XXXX, XXXX billed me XXXX dollars. I made several phone calls, send several emails, and involved the Department of Education to get them to correct my monthly bill so that I could pay them the money they should have been collecting. During at least one of my calls with XXXX, I was told that because I was paying the amount listed on my bill ( {$0.00} ), those months would count for PSLF. I believe they also told me I would not need to reimburse them for those back months once the amount was corrected, but I am less certain of that than I am of their statements on the non-payment months counting towards my PSLF total months employed. They claim their calls are recorded, so they should have records of this call. In XXXX, my bill showed my correct monthly payment. My hours of work trying to get them to accept that I did in fact owe money was finally successful. I assumed the ordeal of trying to get a loan holder to collect money in a sensical manner was finally over. 
Unfortunately, the next month, XXXX XXXX, my bill had the entire owed amount from XXXX. I was not notified of it until they informed me it would be sent to collections if unpaid. I immediately paid the bill, and the next morning, called XXXX. XXXX refused to take responsibility for the mistake, but did agree to put my loan into forebearance without interest penalty for the XXXX months that they claimed I owed, which I was informed would pull those months off, and then in XXXX I would resume payment as normal, without a change to my overall balance, or effect to PSLF ( IE, my balance would remain the same, it would be like they really had billed me {$0.00} for those months, which is exactly what they had done ). I once again, assumed that this matter was settled. 
Today, I received yet another call. XXXX informed me that I have 3 months to pay the full amount owed for XXXX, or I will not receive credit for the months, despite their former statements over the phone. I am absolutely sick of wasting time trying to pay my loan under the terms. They threatened to take me to collections over a change they unilaterally made. They keep changing how theyre administering the repayment of my loan. Is there anything that can be done to force them to maintain some consistency and fairness? 

Message CC : United States Consumer Finance Protection Bureau United States Department of Education Maryland Represenative XXXX XXXX
I have checked my account balance online on my app and it has a different amount than what is posted on the app called XXXX. This happen today XXXX XXXX.
Diversified Consultants continues to call me even after I have disputed the validity of the debt when they are supposed to put it on a 30 day hold. 

In addition, even after I speak to them on the phone, they call back multiple times per day. This is harassing.
I received a letter dated XX/XX/18 from XXXX XXXX XXXX XXXX , XXXX. stating that I owed " Speedy Cash '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called XXXX XXXX and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the XXXX XXXX representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
Hello, XXXX XXXX XXXX started a credit card XXXX XXXX 2005 the Card number was XXXX The balance on this was covered full by a payment of XXXX and funds in our Merchant Service Account. of XXXX. This would have covered the account in full. This account was then to be removed from our credit as agreed by XXXX XXXX at XXXX XXXX XXXX, phone XXXX We would like the account removed from the Tradeline so our credit is no longer effected. The account no loner effects XXXX XXXX XXXX and only effect XXXX XXXX XXXX as we will refuse to every do business with XXXX until resolved.
I spoke to a debt collection agency today. A collection showed up on my credit report that negatively impacted my credit score. Municipal Collection Services , Inc. ( MCSI ) recently called my parents, and today, I was returning the call. 

MCSI claims that I owe {$250.00} for a ticket in XXXX, IL for not having a light on my license plate. I did indeed receive a ticket claiming that I did not have a light on my plate, but I contested and appealed it showing proof that I did. 

I am a reasonable person ; I recognize that the collection agency is just trying to turn a profit on this. I would not go so far as to claim serious corruption to charge me with this. However, it is evident that, at the very least, there has been a lack of due diligence on the part of the police department and collection agency because I do not owe any debt for either of them to collect upon. I assume this is all a mistake, but the MCSI representative that I spoke with was unwilling to listen to reason. I will not be bullied or threatened with bad credit into paying a baseless charge.
This complaint reports the unfair debt collection practices on the part of PHH Mortgage Corporation. Please see the enclosed Word document for details. 

Regards, XXXX XXXX
Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.
I had an HSBC credit card that was charged off in 2007. The credit limit was {$500.00} and the high balance was {$790.00}. HSBC sold this debt to someone else. They are continuing to report this account on my credit report after 8 years? This was supposed to have been removed last year. This is doing severe damage to my credit report.
Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from 60 % -70 % up to 95 % by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.
In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.
The company TRANSWORLD SYSTEMS INC. reported me to the credit bureau after I had set up payment arrangements on an account for medical debt .I was not informed that I could still be reported to the credit bureau after I had contacted them and set up arrangements to satisfy my medical debt. I made arrangements XX/XX/2016 for auto-pay to ensure they got their money. They reported me to the credit bureau XX/XX/2016. 
Nowhere on the statement does it disclose that I will be reported to a credit bureau. I was not told over the phone that I would still be reported 4 months after I had set up ongoing arrangements for ongoing satisfaction of payment of the debt. 
Unfortunately for me I was diagnosed with XXXX and this is what has happened, I feel as if I was taken advantage of and not presented with full disclosure. My credit has been perfect until my medical condition in which I had to quit my job.
On XXXX XXXX, 2016, I noticed a fraudulent charge on my credit card. 
I called Wells Fargo to notify them of this issue, and the agents I spoke with refused to assist me. I had recently been through more than 100 phone calls in an effort to resolve fraud shutdown issues with my card, and was met with a lot of resistance. 
Moving forward, there have been numerous more fraudulent charges to my account. I 've made more than a dozen phone calls, and sent several messages, in an effort to resolve these fraud issues. 
In lieu of resolving the fraud issues, Wells Fargo closed my accounts. I am unable to receive any assistance from them anymore. 
On XX/XX/2016, I met with XXXX in the XXXX branch, and she confiscated my cards while I was there.
One main fin is a rip off they are charge me 100 % I receive XXXX and they want XXXX back
XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known IDA Inc? 

I received a letter from XXXX XXXX XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.
XXXX has been non-compliant with removing the unverified account VANDERBILT MORTGAGE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that VANDERBILT MORTGAGE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
The complaint revolves around the procedure of the supposed employees of the Equifax Credit Reporting company. I believe there are scam artists working within the company. Each time I was given a new number to call, the same voice answered the call and asked for more secure information. The calls were all out of the Country. I was trying to dispute an incorrect report on my account. I left my phone number, and the call was returned with one of my old cell phone numbers. Please help me to end this action. Thanks.
This is a follow up to Case # XXXX. I was told to wait 30 days for the CRAs to remove the inquiry. It has been 41 days and the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately or legal action will follow shortly!