WillisBack/dataset-financial-user-claim huggingface dataset:
I requested to have this secured credit card account closed back in XXXX of 2015. According to XXXX XXXX rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
I had an account with USA Discounter/ USA Living in XXXX that was discharged. Today, XXXX XXXX XXXX, an employee from USA Discounter called in an attempt to extract money from me. I told this employee that I did not and have not had a account with them and no money was owed to them. The employee was vet aggressive in trying to infer I owed money. I finally hung up on him. How is it possible that this company is still in business and trying to collect money from prior account holders with no money owed.
We have been customers of Nationwide Biweekly Administration Inc. since XX/XX/XXXX. I have had MANY arguments with them about how they were not saving us money and they argued if they were wrong, they would have to refund me every single fee, so they were right because they were n't going to. They performed an audit to try and prove they were saving us money. They have very often been late on making our mortgage payments, not 'on the books ' late, but when we signed up our contract said our mortgage is due ON the XXXX of every month. No the XXXX or XXXX. Now on XX/XX/XXXX I get a letter in the mail saying my account is suspended and they have {$680.00} of our money. They will not answer their phones and our mortgage payment is due tomorrow and we do n't know what to do. We feel we are entitled to at least every single fee we have ever paid them, including weekly fees, and of course we want to cancel because this letter shows how irresponsible they are. Plus they have our money and wo n't answer the phone. It literally hangs up on you. I emailed them and my emails bounced back. What do I do??? Please help.
I am a victim of identity theft. My ID and wallet was stolen and several accounts were opened in my name. I have never had service or done business with XXXX or any of XXXX 's subsidiary companies. I contacted XXXX and the address they had service is not an address I have lived, worked or had any association with. I have filed a police report with the XXXX police department. The report number is XXXX I have attached letters from other creditors showing their investigations and the results of the investigations. I have also attached a copy of my photo ID.
XXXX XXXX XXXX - Can not access my credit score as a paying member of this service. Have attempted to call several of their offices only to be told to call during business hours. It's XXXX XXXX EST and their recording states to call between XXXX XXXX  and XXXX XXXX CST.

I've attempted to contact them in the past and have been put on hold for over an hour only to be disconnected. I feel that I'm being ripped off by Experian where I can't talk to representatives regarding my account. No notices have been posted on their website regarding technical difficulties.

Feel as though I'm being held captive from an agency that is unresponsive to vital services, especially one that I'm paying monthly fee for.
I signed up for a credit monitoring with XXXX  on XX/XX/18 at XXXX XXXX  CST. Tried to call at XXXX XXXX  CST to cancel the phone ringed then it stated I was next in line at XXXX XXXX CST the phone hung up and I called back to cancel the free trial and I was told by the automated system that they were closed. Reaching out to you because I do not want to be charged {$39.00}
Student loan co-signer paid off total loan amount of around {$39000.00} for a {$20000.00} initial loan. During the terms of the loan XXXX XXXX, now Navient did not submit loan statements and continue to accumulate interest. Loan no XXXX ( XXXX ) Navient has refused to submit close out papers on the total balance paid at the end of XXXX 2015 for XXXX XXXX XXXX. as a result they tried to start a new loan of which I have not authorized or approved. Now there is no access to the site to review the paid off balance for the total loan. In addition, Navient is trying to add interest of {$1.00} to extend the loan terms past some due date in order to state that the total terms of {$90000.00} is due. Therefore, not only has the original loan extended past the Federal Government Fair Trade Laws for Statue of Limitations of which I am due my {$39000.00} back, but they are refusing to close out the loan paid. This is consumer fraud, and violation of federal laws, and a form of violation of the XXXX statue for loan sharks. Please assist in closing out the account and repayment of my {$39000.00} for contract violations by Navient and XXXX XXXX. Thank you
I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX  not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX   as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.
I had medical issues however I was not billed correctly I have been on Medicaid for over 3 years and now being constantly harassed over a debt that should be billed to my Medicaid. # XXXX under XXXX county department of human services. I was sent a letter in XXXX XXXX stating that this would be removed from my credit however her now in XXXX I 'm still being harassed by same company and now they are causing problems with where I work. Received a garnishment paper yesterday for XXXX I will state again I 'm on Medicaid and have been. There is no date showing original bill owed and I can prove I 'm on Medicaid will attach cards to this complaint. As a result of being harassed at work it can cost me my job nor can I pay for such a rediculous amount I 'm a collision tech who makes only enough to pay for my tools at work. I will be taking legal action for harassment on s debt I do n't owe
Fraudulent charge ( $ XXXX ) against my XXXX XXXX made from Phillipines XXXX by XXXX XXXX. by use of a XXXX. Auth./Ref. # XXXX. Filed a claim against my credit company.
I discovered a debt owed to Citibank on my credit report while attempting to finance a new home purchase. we contacted Citibank to settle up with them but they are refusing take payment or work with us in any way due to the account being in an " unworkable status '' thus holding my credit hostage. i spoke with XXXX id # XXXX who refused to work with us or escalate the contact to somebody who could. we just want to pay this and get it off our credit report.
My mortgage was transferred to Shellpoint mortgage services back in  XXXX . My property taxes were supposed to be paid in  XXXX  but never did. I then received a letter from my city that taxes were n't paid and I had till  XXXX   XXXX  to pay them or I would have a tax lien placed. I immediately called Shellpoint mortgage in  XXXX  when this letter came and they said yes the taxes will be paid. I called city on  XXXX   XXXX ,   XXXX   taxes still had not been paid. I called Shellpoint again and they said they will escalate and to call back in a week. I waited and called the city on  XXXX   XXXX ,   XXXX   taxes still not paid. Called Shellpoint and they stated a check was mailed out  XXXX   XXXX ,   XXXX  . Waited a week and called City still nothing. Called mortgage company again all I get is check was mailed on  XXXX   XXXX . Called City on  XXXX   XXXX  taxes still not paid and as of  XXXX  Tax lien will be placed. Called Shellpoint again very upset and they finally got in touch with tax department in their company and states " Check is being overnighted as of today. '' So  Shellpoint lied about a tax payment being sent and now the City will do nothing to stop the lien from being placed. I feel this is very unbusiness like and now  I will have a tax lien placed on my credit.
CHASE Bank sent me a letter indicating that it had decided to close a checking account that I opened with it over three years ago. When I contacted the bank seeking an explanation, XXXX consecutive representatives told me that no explanation was forthcoming stating that it was within the bank 's purview to close my account without giving me a reason why. 
In trying to find a reasonable explanation of the bank 's action, I explained to at least one of the representative that I 'm a XXXX person and that the money coming to this account is mostly from social security and from a part-time job I have as an XXXX, and that most of the withdrawals I make are to pay normal pecuniary expenses.
I was a loyal customer with Lending Club. A payment of {$680.00} was drifted from my account on the 27th of each month for almost two years, thus, I was never late with my payments on a loan of {$20000.00} I took out in XXXX of XXXX. However, last year I went through a divorce and on the advice of my attorney, I called my creditors, and explained that my income was now cut-in-half and asked if a hardship program was available. All of my creditors immediately enrolled me into all hardship program, all except for Lending Club. I was told by a Lending Club customer service representative that Lending Club did not offer a hardship program. 

Today, XXXX XXXX, XXXX a representative from the debt collection agency hired by Lending Club called for a payment on my account. After I explained to her why I did not have the finances to bring my account current she asked why I did not asked to be enrolled in the hardship program. Hearing this, I was surprised! I explained to her that I had asked to be enrolled in a hardship program in XXXX, but was told that Lending Club did not offer a hardship program for its customers. After speaking to the debt collection representative I called Lending Club. I wanted to know why I was not enrolled in the hardship program when I asked back in XXXX. I was told by a Lending Club representative that recipient for the companys hardship program was selected electronically. I was also told that the debt collector should not have even mentioned the hardship program to me. 

I truly believe that I have been discriminated against. I do not understand why the process of selecting customer for their hardship program was never explained to me. I do not understand why I was lead to believe that a hardship program was not available to me and I do not understand why the debt collection agency was not supposed to tell me about the hardship program. 

Today, I am over 120 days late with my payments. My account has been outsourced and I owe Lending Club over {$2000.00} to bring my account current. Because of the late payments reported by Lending Club my once excellent credit has fallen below XXXX and I was denied the refinancing of my home, which I had hoped to get approved to finally pay off the Lending Club debt. I know if I was enrolled in the companys hardship program ( which I now know is offered to other customers ) all of the above could have been avoided. I want to pay my debt, but how can I do so, if I am not given the same opportunity as other people facing a hardship like myself?
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE TO VERIFY THE ACCOUNTS I DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU.
A ccount number : I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  60 days XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/2018 I attempted multiple times to make a payment online on my XXXX XXXX  ( issued by XXXX XXXX   ). The date field of the payment was blank with no ability to select a date or type in a date for the payment. I tried multiple browsers including XXXX XXXX XXXX XXXX and XXXX. All had the same issue.

I suspect the date field is blank because my account hasn't cycled yet, indicating the bank is intentionally preventing me from making an " early '' payment on my account, which, of course, is illegal.

The chat feature was not available, email was not available and I was told that I couldn't make a payment by phone from my attached PayPal account ( the way I've always done in the past ). I finally had to make the payment by phone from my checking account, forcing me to reveal my bank 's routing number and account number to a customer service representative.
I received a text and email from Chase Bank notifying me about a potential charge ( possible fraud ). I responded in saying I had not made the purchase and received a reply that the next available fraud analyst would be giving me a call. Over XXXX hours later, no call .... I the called Chase were an Analyst was rude, could not answer why I never received a call and was completely misinformed about credit card protection laws, etc. Chase should not be in the credit card business, or banking industry as they lack or have broken fundamental, basic processes that are core to identity theft and fraud detection. I have since closed all my accounts with Chase and encourage others to do so.
I just want to let you all know to be very careful with Capital One - they are known to be the credit card to help you build and or repair your credit - but seem to do the complete opposite. I have had a credit card with them for about three years ( always pay on time ) and towards the end of last year I had one of there XXXX reps set up a 3 month recurring payment ( prior to auto-pay being available over the phone ) - well this person failed to set-it up properly and my account defaulted one time. As soon as I became aware I brought the account current immediately and was advised that it would not report late on my credit report. Now I 'm purchasing a home and when they pulled my credit I realized it did report late and called - I had another over seas rep tell me she would remove the negative remark from my credit but it was not done. 

I also had my dentist overcharge me and not want to give me a refund so I did a dispute for the amount my dental insurance advised I over paid - they did credit my account only to recharge me later. They say I did n't return the papers they sent me which I never received - after hours on the phone I was told if I faxed the documents they would re credit me a little less than half of what I was over charged. I faxed the papers and nothing. 

After numerous calls and complaints I got as far as speaking to their executive office which you need a special pin for. The account manager handling my complaint at the executive office was XXXX at XXXX XXXX XXXX XXXX XXXX - he finally called me today to let me know that after the " executives '' quote on quote reviewed my complaints they came to the conclusion that - well basically they are not going to fix either error they caused. 

After numerous hours on the phone with them XXXX by now I should be on their payroll XXXX a big fat NOTHING. I just want you all to be careful with Capital One - If you do n't babysit them and you do n't catch their mistake in time they will not help you correct them and in the end it may damage your credit more than help it!!!
On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both XXXX  AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX  and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.
We were charged twice for the month of XX/XX/XXXX and told there was nothing they could do except charge us. Weve never been late and always made payments. They now expect us after paying twice to pay the month of XX/XX/XXXX unless we want late fees. Thankfully we have the money but it is shady that we got double charged
I have called Grant & Weber I was attacked by some one, send to the hospital, and I file a police report and I was not responsible for this debt. I have try several times to contact and have this accounts removed from my credit. 

Company fail to provide prove Validation of the account. 
Company fail to provide information and they keep reporting to credit agencies. 

I apply for a mortgage and I was denied. 
Not able to obtain credit. 

I have send letters to credit bureaus to request Validation of the account not a dispute, this is not a dispute. The accounts are not mi accounts. 

know credit reports I am getting as a resolution sad that company was able to provide up date information. 
What up date? I do n't get any up dates? 
No answer with in the 30 days in 3 times 3 times I have requested Validation.
During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer.
Student loans XX/XX/2008 3 acount Reporting on all three credit companies This account was payed and close please remove from credit companies Its to old
Corelogic/Credco is a third party reporting agency that I never heard of until I was denied credit. My prospective Mortgage lender called me and advised my loan was denied due to information received from Credco including a  XXXX   XXXX   XXXX   XXXX  that was deleted from my credit reports more than 90 days prior ( see attached ).     Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  Credco has  XXXX  inquiries on my credit report, and each report provided to their paid clients includes erroneous data that resulted in the denial of my mortgage loan. The inquiries will stay on my credit report for 2 year and deter creditors from providing me credit. Once the data is updated in Credco   and I have to reapply, I will be hit with a new inquiry. Credco has adversely affected my credit score, and delayed my housing search by providing inaccurate data. Their clients pay for their data and it should be held accountable for it.
I was not informed until my credit had already been pulled 6 times about the existence of Credco and it 's role in my credit denial.