WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.
SYNCB/XXXX we discussed back in XX/XX/2016 to have this collection removed off all three credit bureaus and updated but for them to list this as a charged off account and a negative account. we settled this for {$520.00} back in XX/XX/XXXX if i'm not mistaken
I was late on a payment and could not use my card. I made a payment and still could not use my card. Called customer service and they said I could use it once the payment cleared. That would take 24 hours. I still could n't use my card.
File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. These inquires need to be deleted from my credit reports as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX These inquires need to be deleted from my credit reports as soon as possible BECAUSE I DID NOT authorize them
I have noticed that the Consumer Finance Protection Bureau is finally investigating illegal practices that Wells Fargo has been implementing on their customers but I have not seen any investigation into a practice that I and hundreds ( probably thousands ) of customers have also been subject to. 

Ive complained to the CFPB before about this practice that Wells Fargo has been doing for years and have not had any investigation into this practice. All that was done in the past was to send my complaint to Wells Fargo and then come back a tell me that Wells Fargo looked over my complaint and feel they have done nothing wrong. This was the extent of their investigation.

Around 20 years ago, I went to Wells Fargo for second loan on my house to clear up some outstanding debt. At this time, Wells Fargo had not yet named their program. But, I told them I needed {$25.00} thousand to  pay off credit cards and a couple of home improvements. When I went back to the bank I was told I had a home equity loan of {$100000.00}. I did not think anything of it at the time but I told my friend what had happened and her comment was : If that happened to me, Id go out and spend it! Well, I paid off that loan a year or two later. 

Ten years ago, I went to Wells Fargo again to apply for a home equity loan of {$30000.00}. I dont know if it is because I have a lot of equity in my house, but when I went back to sign the papers after my approval, I was informed that I had been given one of their Smartfit Home Equity Line of Credit loans. And, instead of the amount I had asked for, this line of credit would be for {$170000.00} and I would only have to pay the monthly interest for the first ten years of the note. I feel there are thousands of us out there that Wells Fargo had pulled the same type of bait and switch program on. And, due to the recession, being laid off from my job I ended up spending the entire {$170000.00}. Im not proud of this happening, but I think Wells Fargo knew from past experience with other customers, that if you give a customer more than they want, chances are, they will end up spending it. Ill bet there are thousands of customers like myself that have gotten into financial trouble due to this practice by Wells Fargo. I also think they named this type of loan Smartfit to make customers feels this is a good idea to sign this type of note! Another thing they did with me was to offer a .25 % reduction on the interest if I would agree to have the payments on this note automatically deducted from my checking account! When it is automatically deducted, you lose track of how much your actual interest only monthly payment is! So, for the past ten years, I ( and many more customers Im sure ) have been making a payment to Wells Fargo ( {$650.00} a month in my case ) on a loan that I will never be able to pay off! Now the 10 year life of the loan has expired and my monthly payment has gone up to {$1000.00}, putting me in a financial bind.
I am a realtor representing my client and I have been trying since XXXX to initate in equator. They have even told me that I would be able to initiate in equator. We went through a modification in XXXX and the client does not want to do it. He wants to proceed with a short sale. Every time I call no one can ever do anything and you have to talk to management to be able to get you in the system.
I keep receiving phone calls at work from an organization called Premier Portfolio Group. The person calling is XXXX XXXX. When I first spoke to him I informed him not to call me at work. XXXX calls back the same day and says '' I KNOW YOU TOLD ME NOT TO CALL YOU AT WORK BUT '' I then hung up on him. He continues to call daily and when both of my co-workers answered on separate occasions, he calls them a liar because they tell him they are not me and he tells them they are me and gets short with them. This company has gone too far. Numbers that they use : XXXX, XXXX, XXXX, & XXXX. I have asked them to mail me a letter that states the information and debt they are collecting on. They refuse to send anything. I want my credit card info, my payroll department number. I am severely being harassed. I am ready to notify the FBI to investigate this company. They are causing me stress and making me look bad at work.
I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.
On XX/XX/XXXX I received a phone call from someone stating they were from the Action Collection Agency of XXXX. They claimed that I owed {$2300.00} in unpaid medical bills dating back to XX/XX/XXXX. I had no knowledge of any such debt and asked for a written, itemized statement. The agency refused, stating I had already been sent such a statement. I had never received anything from this company prior to this conversation. The agency then claimed most of these various bills were from XXXX XXXX of XXXX. I then contacted that company. They had no record of any past due balance on my account. Furthermore they stated that they had never heard of this collection agency. The agency also claimed I had a past due amount at XXXX XXXX Hospital in XXXX. I have not been to this hospital for any reason in several years and have received no notification of any past due amount from them.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
I keep receiving repeated calls from the number XXXX. I answered the phone once when they called and nobody spoke. I looked on the internet and it says they are a collection agency. They call my number twice a day everyday and have continued calling me for the past two months.
I 've had XXXX credit cards with Citibank since XX/XX/XXXX. XXXX is a Thank You card and the other is a Diamond card. On XX/XX/2015 I changed bank accounts and tried to change my autopay to the new banking information on the Citibank website. The Citibank website would not let me do this, so I called customer service. The agent stated that I had to cancel the current autopay with old information and resubmit with the new information. I did this with the agent walking me through the change and it stated the transaction was pending and would take up to 2 business days and the next payment was XX/XX/XXXX. I then received a notice that I was 35 days late ( on the Diamond Card ) in XX/XX/XXXX when I contacted Citibank they said that autopay was cancelled although it still stated that it was pending. ( I took a screen shot of the pending transaction ) This caused a ding on my credit and a few days later they reduced my limit on the Thank you card from XXXX down to XXXX only {$100.00} above my balance without notice, which caused that card to go over the limit. I contacted Citibank customer service 7 times and spoke to XXXX different people trying to get this resolved. Then they automatically pulled a payment from my old checking account ( They told me autopay was cancelled ) and this caused an overdraft on my old checking since I moved all my money to the new account. The last customer service agent hung up on me so I stopped calling. I disputed the ding on my credit but I am not sure where to turn at this point.
Dsg Collect keeps calling me stating that I owe money for tuition from XXXX XXXX XXXX a former employer of mine ). I have consistently stated that I do not owe the money as the training was required for the job I had with XXXX XXXX. I finally received a letter from XXXX XXXX in XXXX 2015 stating that I did not owe any money and that any debt collection agencis have been notified that I do not owe anything. I received a call from DSG collect again XXXX XXXX, 2015. I told them again I do not owe any money and now have a letter from XXXX XXXX stating that fact. They gave me an email address to send a copy of the letter to which I did that day. I received another call from DSG collect on XXXX XXXX, 2015 stating again that I owed money. This time the person tried to tell me they were an employee of XXXX XXXX. I quickly found out it was DSG again. I told them I already sent the proof I do not own but they stated they did not have that record and that they have made a negative report to my credit rating. I asked where I could send the letter to that I do not owe and was given the same email address as before. I sent the proof that I do not owe again.
Had a payday loan. It was paid off. The company tried to take more funds out my account. Made claim with Wells Fargo and they gave me a pending credit back for {$360.00}. Wells Fargo closed my claim bc I do n't have proof of paying them and they reversed the pending credit. So they put my account on the negative for almost {$400.00}!! I have talked to Wells Fargo, had reps hang up on me when I told them I wanted a name & number of somebody I can report this horrible bank crook bank to.
For more than 10 years I was told by my servicer ( Navient / XXXX  ) that my loans did not qualify for income-based repayment options. That my only options were deferment, interest-only payments or income sensitive repayment. Only when I contacted the Department of Education directly after a third party student loan guarantor heard my information and directed me to them by passing trying to sell me their service because they knew what I was being told was fraudulent.
i dont owe a debt to a debt collection agency. but they keep calling. i tried calling to tell them this but i get told to hold ... then they hang up
Stearns and Lending refuses to apply my payment when my bank electronically sent them the money. They also refuse to return my calls, hang up on me, do n't reply to my questions via email and will not take the late charge off of my account ( even when an employee with Sterns confirmed my payment on time ) ( See notes attached ). My next payment will either be underpaid or sent back due to me not paying the late charge. My credit score is over XXXX and if it did n't cost to refinance I would. I have had several other mortgages throughout the years and have never experienced anything like this.
I was under the impression that I would be able to pay back money borrowed with no penalty or interest.
I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out trans union about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit
Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to  the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
As far as I know FDCPA requires XXXX point verification in order to disclose. I was contacted 2 times now where as soon as I answered to my name they disclosed that I owe {$1300.00} and they want payment. At no point would they listen to my concerns about privacy. They just kept cutting me off and asking for payment. The manager did the same thing and when I asked for his manager he hung up on me because " you do n't want to resolve this '' I told him they called me and not to hang up and he did it anyways.
XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted.
I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX.
I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX XXXX XXXX bill cycle date XX/XX/XXXX-XX/XX/XXXX. THAT IS NOT PROPER VALIDATION!
I pulled my TransUnion Credit file to verify all information was correct. It wasn't. I opened a case via certified mail in reference to Hard Inquires that I had not authorized, requested and had " opted out ''. The XXXX Inquires are as follows : XXXX XXXX Banks and S & Ls XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX  XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Banks and S &  Ls XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX In a reply From TransUnion ( attached ), they state these inquires do not have to be authorized or known to me to be validated. This boggles my mind! Too many inquires can and DOES harm your overall credit rating. With that being the case, it completely throws FCRA out the window, and we the consumers are stuck with that whatever creditors want to report.
Zombie recurring transactions charged to card in error by merchant enabled by VISA Account Updater. The updater links transactions to closed credit card numbers to current number without consumer permission. There is no consumer opt-out from Bank America VISA Account Updater according to BofA credit card customer services. Consumers are being charged for cancelled or erroneous merchant services despite consumer disputing those charges. Specific case : Travel Reward Card receiving charges from XXXX XXXX for {$5000.00} per month for several months. Consumer disputed charges with Bank of America. BofA Dispute resolution process informed consumer that merchant provided evidence the charges were legitimate. However, neither the merchant nor BofA can provide consumer specifics : what account is active, and what services are being billed associated with this consumer? The consumer has not used XXXX XXXX for several months. The consumer disputed and cancelled the credit card number twice, Bank of America re-issued a new card with a new number each time, but is still posting new XXXX XXXX {$50.00} charges each month to the new number via the VISA Account Updater. The consumer never provided the new number to this merchant. Zombie transactions.
A collection company, XXXX XXXX, reported an account to the credit agency 's, XXXX XXXX and XXXX, on XXXX XXXX that an amount of {$440.00} was owed, but was paid and satisfied from XXXX XXXX I disputed this account with the credit agency stating that this account is not mine nor was I an authorize user on it. I do however have 4 XXXX XXXX accounts that have been in good standing for years now. The credit card account number that is being reported is not connected to any of of my current accounts., but for some reason when they last updated their information XXXX XXXX, XXXX, they did not verify it properly. I contacted the company and requested documentation proving this account belong to me, along with the information of how the account was paid off, but as of today, I still have not received it. Furthermore, I contacted XXXX XXXX, and they said this account number, last four digits, was never associated to me or any of my accounts.
XXXX XXXX XXXX, is listed on my XXXX report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
I purchased a vehicle from XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX {$2500.00} as down payment and leased the vehicle from XXXX XXXX. Some time in the future, I was involved in an accident and the vehicle was totaled. I had thought I purchased gap insure but was advised I did not. XXXX XXXX gave the outstanding of approximately {$9000.00} to XXXX XXXX who garnished my wages at the time until the debt was paid in full. Sometime in XX/XX/XXXX, I was served documents to go to court from another attorney who advises I owe his client XXXX which purchased the {$2500.00} Debt from XXXX of XXXX ( who had filed Bankruptcy a while back ) that they have a court judgment asking for approx. $ XXXX. I have had communication with the attorney and we came to a settlement of {$4000.00}, however, I have advised him that this debt is untrue and have asked for verification. He has not responded period and is unable to verify the debt. In fact, he stated that he only knows what the client has stated and that I owe this money. The attorney has threatened my business and to subpoena all my investors and I did not want this embarrassment and agreed to a settlement. I am reconsidering my position and would like verification of this debt.