WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted Transunion on XX/XX/18 @ XXXX and spoke with supervisor named XXXX and advised him that i have filed a FTC report and i gave him my affidavit report # XXXX and stated that i was a victim and i wanted to know if the inquires on my report would be removed. Also, explained to him that i was apart of the XXXX and Transunion security breach and i just wanted them to help me. Also, there is a 7 year fraud alert on my report for my security. He stated the he could not remove the information because the FTC affidavit does not show any dates, and that Transunion has their on in house policy if they will accept documents. I asked him what the policy was and he stated he could not share that information with me. I am so disappointed and seeking assistance with getting my issues with Transunion resolved. I have certified letters, and fax confirmations that i have sent them on numerous occasions and still no help.
XX/XX/26 I am trying to transfer the remaining balance on this card to a reasonable rate card. I have paid down from XXXX to XXXX and would like to move the rest. A couple of years ago XXXX XXXX eliminated my credit balance so I destroyed the card but continued to pay the card on time each month. Without the card, I do not have the account number. I assumed I could go to the website and get my account number. The web site only has the last 4 digits and does not have an alternative account number to the Credit card. So I called customer service to get the account code, they stated that they could not access the account code either. They offered to re-issue the card but since they closed the account when the set the credit limit to XXXX - they could not reissue the card. THEREFORE I AM OUT OF LUCK. I assume since they so not have the ability to give me my account number they no longer are expecting payment. Please verify.
Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year.
First Direct Lending out of California advised I was approved for refinance with cash out and asked me to provide documents proving I was the homeowner of the dwelling such as utilities and a death certificate for my wife that passed in 2015.  They advised that was all they needed to close and that I was approved. They have all my info and have pulled my credit and are now saying they cant do the refi due to my drivers license having a different address. This is false hope and misleading and misrepresentation of the duties they said would perform.
Merchants and medical is claiming that I owe them money. I never signed a contract with their company nor do I agree that I owe them. I had full coverage insurance during the time in question and have no idea why anything wouldn't have been covered. But again they haven't even provided me real proof that it's my debt or that it ever belonged to me and they refuse to remove it from my credit report. Sending a paper they typed up in their office doesn't equal proof that I ever had a bill with the hospital. I believe this is a fraudulant account which is why they haven't provided me with any proof.
I been asking XXXX, Transunion and XXXX XXXX to validate the account from XXXX XXXX since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem
A representative from the Asset Recovery Associates called me and claimed to be representing a bank XXXX XXXX Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try to call me to collect. This debt must have been purchased from the bank because ARA had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.
I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after XX/XX/XXXX.
I have a VA Mortgage Loan, which states in the loan contract that Late payments are considered after the XXXX of each month. To be specific, any payments on the XXXX of the month is considered late. In XXXX of 2017 I electronically made my monthly payment on the XXXX of the month, due to the banks processing system. However that payment was on time under the terms of the VA loan. Never the less Wells Fargo Charged me a late fee for the month of XXXX 2017 My payment for that month nor any months prior to that month was late.
I had a vehicle loan with American Credit Acceptance up until XXXX of 2015. Due to unforeseen family and financial issues I could not afford the payments and was coming up on being three months behind after having the loan paid as agreed for almost three years. Since I could not catch up on the payments, I requested a Volunteer Surrender. The company did not follow the repossession laws of the state of Pennsylvania. They did not tell me when they were coming by phone or in writing, I was reprimanded by the tow truck driver for not having the keys ready, and did NOT receive the required letters stating where the vehicle was to retrieve my personal items, if and when the vehicle was to be sold and how much it was sold for. The only letter I received was from them stating I owe {$1300.00}. Not knowing the law at that time, I called them to make payment arrangements, and they also gave me a settlement payoff of {$600.00} to keep the debt off of my credit report. They gave me a workable arrangement. 
A month later a received a letter stating my debt was turned over to a company called XXXX XXXX. I called them and they would not honor my payments arrangement. This debt is now shown as a collection account on my reports.
My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.
Transunion had a glitch in there system that violated the rights of their consumers under section 6. As a result, I have been gravely effected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. 
1. XXXX XXXX Inquiry XXXX XXXX, XXXX 2. XXXX Inquiry XXXX XXXX, XXXX 3. XXXX Inquiry XXXX XXXX, XXXX 4. XXXX XXXX Inquiry XXXX XXXX, XXXX 5. XXXX XXXX Inquiry XXXX XXXX, XXXX 6. XXXX Inquiry XXXX XXXX, XXXX 7. XXXX XXXX Inquiry XXXX XXXX, XXXX 8. XXXX XXXX Inquiry XXXX XXXX, XXXX 9. XXXX Inquiry XXXX XXXX, XXXX 10. XXXX Inquiry XXXX XXXX, XXXX 11. XXXX XXXX Inquiry XXXX XXXX, XXXX 12. XXXX XXXX Inquiry XXXX XXXX, XXXX 13. XXXX XXXX Inquiry XXXX XXXX, XXXX
I got hit with a hard inquiry on XX/XX/2018 from chase manattan. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
My mother saw a missed call and called Bay Area Credit to see who called. She spoke to a XXXX XXXX XXXX. She did disclose that she was in fact not me but instead stated her name. He then attempted to set up payment terms with her seeing if she would pay my debt. I have never once given authorization to speak to a third party. My mother is not the executor of my estate. He tried to not only collect from my mother but to get her to agree that I would pay to the amount. He disclosed the amount that I owe and for what. He disclosed what I owe the money for and the payment terms. He then harassed my mother to make a payment before getting him off the phone. He told her that she needed to make a payment and that he would be in his office until XXXX.
I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??
Over 3 months ago I submitted a loan application with PNC Bank, the process has become a complete nightmare. This situation is affecting economically and emotionally. When I first contact PNC Bank I stated that we needed to short sale a property to a family member. PNC agreed and they let us continue with the process. Upon initial review, they stated that financial situation for the borrower was in order, that the debt to income ratio was satisfactory. When they ordered the appraisal, they assured us that the loan was on track and there were no issues. We paid them {$600.00} for an unnecessary appraisal, unnecessary because the short sale amount was vastly under the value of the home. The appraisal came back and showed water damage to the home and the appraiser incorrectly stated that this was due to a plumbing issue. We had a plumber verify that this but PNC required complete repair of the bathroom before closing. We spent over {$50000.00} for this repair. Then PNC had the borrower purchase home owner insurance prior to closing. Once that was complete, PNC still did not set a closing date because no one ordered a title search. This delayed us further and further. Upon receipt of the title search, PNC began to make an issue about the short sale of the home to a relative. We continued delaying and delaying as we provided more and more requested documents and information. Once this was finished, underwriters decided that the borrower was never making enough money for this loan. Now the last request from underwriters is to have the borrower pay off his primary mortgage in full and increase the loan amount ( undoubtedly to have PNC receive a higher return on this loan ). This payoff amounts to almost {$73000.00}! In addition to close to {$8000.00} in costs incurred for inspections and repairs for a home valued much higher than the short sale amount, they now require another {$73000.00} to be spent before they even consider this loan. None of these requirements were ever pointed out when we initially began this process. 
On top of all the expenses that we had, because of all the delays that PNC caused, another {$7000.00} in costs must be considered due to the increase in short sale price and court costs.
To Whom It May Concern, The reason for filing this complaint with your agency is to request your assistance in resolving the issue TransUnion Consumer Relations refusal to accept my request for investigation mailing my complaint form by U.S mail. They stated in a document I received through XXXX XXXX that my dispute must be submitted using TransUnion website or they will not investigate. I am requesting your assistance in helping to investigate the issues and violations into the refusal and retaliation against to reject any request.
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.
XXXX XXXX XXXX sent me a letter saying on XXXX XXXX, 2017, Equifax suffered a data breach. XXXX XXXX XXXX says no data breach were on their end, but my personal information might have been exposed.
To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, the doctor made some confirmation and told me that everything would be covered by my health insurance and I only had to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a debt collection from them of $ XXXX.This is affecting my credit score. I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office/ collector to try to resolve this. They were mean, disrespectful, used profane or abusive language to me and said I still owe the amount and they refused to do anything even calling my health insurance, even though the documents on my health insurance profile say I dont owe them anything except the copays which I already paid at the visits. She also sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it. They refused to do anything
I just received a calculation for my new mortgage payment that increases it by {$500.00} per month! The new payment is effective XXXX XXXX. The escrow custion is listed as {$1000.00}. Is that legal?
Hi, I would like to file complaint concerning theft or loss of my money at Bank of America. Despite numerous attempts to resolve this problem with Bank of America, I am still not getting anywhere on this. In CFPB case XXXX, I have learned that Bank of America escheated my property to State of Wisconsin. So, I contacted State of Wisconsin, their response ( in writing from the DOR Unclaimed Property Division ) is the following : " I have looked under your name and I can not find anything under your name. You will need to contact Bank of America, we can not help you claim your unclaimed property if we can not find it. Its possible Bank of America misspelled your name or make a data entry error when the property was sent to us. You will need to go back to Bank of America and talk to them. They have more information about the property then us. '' I did as instructed by the State of Wisconsin. In my email sent to Bank of America on XXXX XXXX, 2017, and also in CFPB case XXXX, I provided Bank of America the response that I received from State of Wisconsin, and I asked Bank of America to find my money. Bank of America has not addressed this problem, neither via email nor in CFPB case XXXX. I STILL DO NOT KNOW WHERE MY MONEY IS. I do not want to call any phone number at Bank of America as XXXX XXXX from Bank of America suggests to listen to their excuses. THIS IS BANK OF AMERICA 'S PROBLEM ; BANK OF AMERICA LOST MY MONEY. I WANT BANK OF AMERICA TO CONTACT STATE OF WISCONSIN TO FIGURE THIS PROBLEM OUT, AND TO FIND MY MONEY, and tell me where it is IN WRITING! AND WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS. I am so disappointed with Bank of America that I am almost ready to report my experience in national media!!!
My vehicle just got repossessed, and I was forced to over pay on the loan. the problem that I'm having with this company is incorrect or fraudulent balance remaining, since I've bought the vehicle 3 years ago I've been keeping track of my payment, the company report to the credit bureau that I still owe about {$9000.00} which is incorrect, so I called the company with the information that I have to get them to correct the balance remaining on my lawn which in reality should be somewhere around {$3000.00}, after they disabled my vehicle I called to pay off the rest of my loan which they denied me to do, so I asked them how much do I have remaining on the loan to pay it off and they refused to tell me, so I informed them that the balance that they're reporting to the credit bureaus is incorrect and then I was hung up on. 
Another but unrelated complaint is Shabana Motors never honored my powertrain coverage, within the first 24 months I've replaced my front wheel axle shaft, fuel pump, timing belt, head gaskets, and CV joints.
On XX/XX/2018 I uploaded to Experian online dispute website, a dispute to remove incorrect names listed on my credit report, stating that unverifiable names needed to be deleted, because they were no longer verifiable. The dispute came back with basically nothing done, incorrect address were not removed. 

On XX/XX/2018 I again uploaded to Experian online dispute to correct names, this time I send a notarized copy of my drivers lenience & Social Security Card. The dispute came back, including a credit report, with NO NAMES listed. 

I went on line to Experians dispute website and found, what they did was keep all the names, all they did, was flagged each name to NOT printout it my credit report. The links to the incorrect names still remained. 

The names and links from the incorrect names were NOT deleted as required by law.
This company repeatedly calls me at  XXXX  and  XXXX  Alaska standard time.
Ad Astra Recovery Associates has placed an account on my credit report that I do n ot owe. I have never received anything in writing from this company nor have I ever seen a contract between the company and myself. I do not owe this debt, I am being held financially responsible for a bill I did not create. I have disputed this account multiple times asking for verification or proof of debt. I have yet to receive any type of information regarding the account.
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX = {$2100.00} - XXXX XXXX XXXX XXXX = ( Closed ) - XXXX XXXX XXXX XXXX ( Closed ) - XXXX XXXX XXXX = {$130.00} I also have some hard inquiries on my credit report that I did not authorize as well : XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XXXX XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
I signed up with American Express for a Gold Credit card. I was told that a welcome bonus on XXXX will be given with the card after spending {$2000.00} in the first two months. It's been more than a month and I have already spent close to {$3000.00}. I received the Points as promised but I am not able to use the points. They say there is a hold on spending the points for 6 months without giving a clear reason for the same.
My company XXXX. Received a XXXX check from our customer in the XXXX. The monies were frozen because the loss prevention dept did no like it and was suspicious. Wells. Fargo tried to return the funds XXXX times but the buyer ( sender ) bank refused it. We put pressure on Wells and so they called in the FBI for support. As a result, the funds are still there. The buyer will always refuse the funds. And Wells is keeping the money. My question is. Can they hold funds forever. We asked them to return it if they can. The sender will hand deliver the fund if he has to. Sincerely. XXXX
I called for a due date change, then a few days later I received a collection call I was 2 payments past due when I have not even had the vehicle for 2 months. I spoke to repersentitive and stated they can only receive calls and can not place calls out. I have a job and had to take 15 minutes of unscheduled leave due to this issue. I wanted to know also how has this affected my credit report?
My ex-wife and I had a joint line of credit w ith Wells Fargo. When  she filed bankruptcy, the account was charged off in  XXXX   XXXX . Since that date, the account info has been incorrectly reported to  XXXX , and a check of my credit report today shows the account as still open and my status as  120+ days past due. I sent a letter to Wells Fargo in   XXXX   XXXX , and have disputed this issue  with  XXXX  several times.   XXXX   will no longer accept a dispute, and Wells Fargo continue s to give me the run-around and wo n't fix my issue. My credit rating has suffered as a result of their inaction.