WillisBack/dataset-financial-user-claim huggingface dataset:
Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. 

After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do.
The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX.
In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence.
I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges.
I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''.
I have put in another Fraud claim with Discover.
EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX XXXX ACCOUNT-XXXX THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.
A few months ago i contacted XXXX XXXX XXXX in XXXX pa regarding a bill that was XXXX. I paid a XXXX deductible and i was told that this was all i would owe at the time of service and if anything the next bill i would recieve would only be a few dollars more. It turned out the hospital didnt tell me that i would get that additional bill of XXXX. They told me the XXXX was all i would owe and billed me for XXXX.i disputed the claim by mail. I never recieced a call or a letter from the hospital after i wrote to them to try to settle the amount since they failed to notify me on what my insurance would cover and any additional cost after. I tried to negotiate it for 1/2 of the price they never got back to me nor did they notify me that they would be putting this on my credit after i attempted to settle the debt. Turns out i moved and still didnt recieve a letter regarding the balance but my credit dropped 30 points and they didnt get back to me as i requested them not to call me my cellphone is broken and to notify me by mail only. No attempt to settle nor resolve a problem that they caused after they told me this would be all that i would owe. I shouldnt owe anything if i paid my bill in front the day of service. They shouldve contacted my insurance 1st.
I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full in XX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted XXXX  and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX  has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( XXXX XXXX XXXX ) not one payment was ever reported. In XX/XX/2018 loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( TransUnion , XXXX, XXXX  ). XXXX sent a written response stating there is nothing they could do about the current situation. My loan with XXXX XXXX is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.
We had a water damage in our house XX/XX/XXXX. We received the check for XXXX from our insurance company and send the package to Nationstar Mortgage with ALL required paperwork. They received it on XXXX/XXXX/2015. Till this day Nationstar did not do disbursement to us. I called numerous times without any results. Here is the dates : XXXX/XXXX/2015, XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015.Every time I call, I stay on the phone 20-40 minutes. On XXXX/XXXX/2015 I was waiting for supervisor, her name is XXXX for almost 2 hours, only for her to tell me that she will follow up on my disbursement request, which she never did. Nationstar is using off shore operators, who are poorly trained, they can not explain anything, they read notes on the screen and do n't understand a thing about the process. I feel that Nationstar is abusing its customers. On XXXX/XXXX/2015 I spoke to XXXX, who told me that somebody misplaced the contractor 's bead and my disbursement was stopped. On XXXX/XXXX/2015 spoke to XXXX for the 4th time, stayed on the phone with her 33 minutes, once again was told that disbursement request is send for approval, and she will call me back tomorrow to follow up. Of course, no one called and there was no check send to us. In the meantime insurance company issued us an other check. Nationstar is holding {$100000.00} of our money. The water damage was very extensive, my family has to stay in the half destroyed house. We are desperate, we want to start repairs. It is absolute nightmare to deal with Nationstar loss department. Nationstar mortgage needs to train their loss department operators, so they will do their job. Please, help us.
There is no way to dispute this on the online equifax reporting method and I could not obtain a phone number to call. There are numerous accounts on my credit report that are no longer considered in my average account age
After getting a Citi AAdvantage credit card in XXXX 2015 I received an offer from Citibank for XXXX XXXX miles for opening a new Citi Gold checking account and making specified transactions. I opened the account, made the required transactions, and in various secure messages from Citi I was assured that I met the requirements of the promotion. I was promised XXXX XXXX, miled by XXXX XXXX. Now Citi is claiming that I am not entitled to the bonus as promised. 

I do n't understand how this can be legal. I want Citicard to honor the promise they made to me in writing and post my XXXX miles to my XXXX account Thank you in advance for your assistance.
In XXXX of XXXX I applied for a private student loan through Wells Fargo. Within a month I received notice from Wells Fargo that XXXX XXXX XXXX XXXX XXXX refused to certify the loan because the term dates I listed on the application were invalid. After considering the terms I decided I did not want the loan and called Wells Fargo to ask what I needed to do to cancel it. The representative told me that I did not need to do anything because the school refused to certify the loan and unless I updated my paperwork it would not be approved. I did not update the paperwork and believed the loan application to be cancelled. 
After I graduated in XXXX of XXXX, I received a statement from Wells Fargo notifying me that my loan would be in forbearance for six months. When I called to question what they were talking about I was told my loan had been disbursed to XXXX XXXX XXXX XXXX XXXX. I informed them that I cancelled the loan, had already graduated, did not want the loan and wanted the check cancelled. I was told that they would not cancel the check and that I would need to wait for the school to mail the check to me and I would in turn have to mail it to Wells Fargo to cancel. I did this as soon as I received the check and Wells Fargo credited my account for the full amount of the loan on XX/XX/XXXX. 
In XXXX of XXXX I began receiving calls multiple times per day from Wells Fargo regarding 'a delinquent student loan '. I had older student loans with Wells Fargo that had been set up for auto draft so I called to notify them of this as I believed they had made an error. When I called Wells Fargo I learned the loan in question was the one that had been cancelled. Wells Fargo stated that interest had been accumulating on the loan as well as late fees. I explained to multiple collection personnel and supervisors all of the circumstances above and Wells Fargo determined that even though the check was never cashed and I was never notified about additional charges the fees were due to them and they intended to collect. Wells Fargo called me multiple times each day starting early in the morning and going through XXXX at night. They called my employer multiple times per day even after being told by staff at my agency to stop. Additionally, the charges were reported as a delinquent account on my credit report. In an attempt to minimize any further damage to my credit and employment status, I paid Wells Fargo the full amount due on XX/XX/XXXX. 
Starting XX/XX/XXXX I began receiving multiple calls on my cell phone but no messages were left. I later learned it was the Wells Fargo collections department. On XX/XX/XXXX, I received an email stating one of my student loans needed my attention. When I logged to review the account it is listing a past due balance of XXXX and the assessment of late fees on the loan in dispute.
In XXXX 2013 through my realtor, I began the process of seeking short sale approval for my property located in XXXX, FL. The first mortgage lien holder is US Bank Home Mortgage. The second mortgage is held by XXXX XXXX XXXX. I have been co-operating and patiently waiting- as I would much prefer a short sale over foreclosure. I do not have liquid assets available to settle a deficiency balance. After months of waiting US Home Bank approved me for a mortgage modification rather then a short sale. Each time I declined the modification and advised I needed to do a short sale, because I am no longer able to maintain the home. It has been vacant for over 3 years. After additional waiting, US Home Bank would come back with a counter offer- demanding a higher sales price than the buyer had agreed to on the sales contract, in order to complete the short sale. As of now, I have lost all XXXX buyers that had previously been under contract. I am now starting the 4th round of this unending situation, we do not have a new buyer yet. It appears that I am never going to be able to complete the short sale. I have fully co-operated and provided every document and answered every question asked by US Home Bank, then making me wait 9 months to a year, to hear that a higher sales price is being demanded is unreasonable. I need help. I need someone to intercede and for US Home Bank to get the short sale completed within a reasonable amount of time, and to not change the terms of the short sale at the final hour.
I applied for no credit in XXXX Fl. I have n't been in XXXX and surely did not shop at XXXX in XXXX.
I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I had a business savings account with chase in addition to my primary account, so if any money comes in that can not cover on my main account it would automatically withdraw it from the savings account. Chase has closed that account and never made me aware. I have been getting abused with fees from them that is excessive. I have been talking with the branch vice president XXXX XXXX at chase and he has been really rude and unprofessional and unwilling to help me. I am really getting ripped off by Chase Bank.
I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for nearly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arrangements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.
I received a marketing campaign to refinance my property with Carrington Mortgage Services who currently services this loan. I was pre-approved and informed that I must secure an appraisal to close the refinance. Two weeks prior to closing, I was informed that this company does not finance manufactured homes and therefore would not be able to refinance mine. Again, this organization is already servicing this mortgage. The loan XXXX informed me that their data did not indicate that this was a manufactured home and therefore, he did n't know and had he known, he would not have pre-approved my application. Subsequently, they agreed to refund the amount I paid for the appraisal as there would have been no business need for me to purchase the appraisal if they had no intention or ability to refinance the property. I have yet to received the promised funds.
On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. Experian had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and XXXX XXXX, and its been well over 30 days.
I couldn't find the appropriate category for this but this was the closest one since I believe credit reporting agencies are considered third parties. 

I phoned Fair Collections & Outsourcing on XX/XX/2017 to inquire about a collection account on my XXXX credit report. 

A couple of hours later, I received an alert that they had run an inquiry for an installment loan which I did not authorize.
Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, Chase did not correct the error, so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, Chase left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
I believe I am a victim in the Equifax data breach on XXXX XXXX XXXX. As far as I know, my Identity has not yet been stolen, and I placed a 90 day fraud alert on my file. I believe my personal data was managed poorly by Equifax, and that they should be held accountable for any damages that may befall me due to their negligence.
Thia.debt collectionnagency has reported inaccurate information to the cresit bureaus which has damaged my credit. The account is listed twice under my credit bureau by  XXXX  different companies which is portfolio recovery as well as  XXXX   XXXX . Portfolio recovery reported wrong information and I have asked them to clear it. They keep saying the information is correct   XXXX   they will not provide me with me proof that  XXXX  information is correct. The account was opened in   XXXX   and they are reporting  XXXX
I opened a Alliant Credit Union account about a year ago. I used the account without issue, until one week in XX/XX/2018. My account was accessed without my knowledge, its to my understanding a transfer was made to my account to make my balance more, and then the balance was transferred to another account before the incoming transfer could fail. With that being said, someone used my account without my authorization, transferred funds, and when everything was settled was my account was negative. My issue here is, A. ) I did not transfer any funds, and I had a positive balance, with no issues regarding my account, and B. ) Alliant reported this account to XXXX, so now my credit is being effected by this issue even though this is a checking account, not a line of credit or loan.
I have been notified that Portfolio has placed on my credit reports that I owe them money. I do not have a contract with Portfolio and they can not prove any proof of signature or that I have a contract with them. They are demanded to immediately remove their reporting from my credit reports or pay me XXXX for defamation of my name/credit. The other complaint I have against them they have not even responded too. This company is conducting shady business and breaking many laws.
I disputed some items on all 3 credit bureau XXXX deleted them all but Transunion and XXXX have a few still on there and wont remove them off.
I had a bill with XXXX for {$28.00} for service on XXXX XXXX 2016. I paid the bill in full on XXXX XXXX 2016 to XXXX. Sadly Wakefield has haressed me about it in even after payment was made and added interest to the bill. They called me a liar about making the payment and continue to send bills.
On XXXX XXXX, XXXX, I disputed the credit card account with XXXX XXXX indicating the account was not mine. I informed them that I have no idea where the account originated from and needed for them to verify the account. I did not receive any information validating that the account was truly verified. I also contacted the creditor and the collections agency indicating that the account was not mine and to please verify the accounts. I have not received any documentation from the creditor and the collections agency. On XXXX XXXX, XXXX, I reviewed my credit reports and the original creditor, XXXX XXXX and the collections agency, LVNV Funding, LLC, are both attempting to collect on the same debt. This is a credit card debt that is showing twice on my credit that does not belong to me.
I filed a complaint against Wells Fargo because I was told on numerous occasions that when a payment is made on my credit card and I am currently under a promotion ( 0 % for 18 months ) that the minimum payment goes towards fees, interest and higher rate portion of account first. Makes sense. what they failed to mention is because I was due for {$110.00} minimum payment and I made a {$5000.00} payment that the difference would be applied to lower interest first. reason? they explained that I should have made minimum payment of {$140.00} first. Then cut another check for {$4800.00} and then the monies would have been distributed differently. they also informed me that the agent who took the payment on XXXX XXXX should have explained this. the section under terms and conditions for their credit card is below ( WELLS FARGO Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. ) They failed to mention that payments made in excess means writing another check separate from minimum payment. Had I been made aware that I should have just made the minimum first this would have saved me a lot of unnecessary interest. I have expressed my concern with several people who have similar promotions and they were not aware that making an enormous payment that covers the minimum payment is not the same. They were not aware that 2 payments are necessary. This is outrageous and I am going to pursue this matter.
I paid debt in XX/XX/XXXX have a legitimate release of liability and the collector that is contacting me 7 months later is saying they will have me arrested if I do not pay them immediately and that they tried serving me twice.
I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Bank of America ) and the XXXX XXXX County Sheriffs office. Bank of America originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Bank of America has reversed the credit given to me for the fraudulent charges.