WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I would like to file a formal complaint against Experian due to their inability to fix an error in their system that prevents my credit score from appearing. 
To give some background information, last year around this time I moved to XXXX, IL and I applied for apartment. To my surprise there was an error and I had to pull up my credit score information to send to them. I checked all XXXX on XXXX and I also received an error from experian, but was able to pull my information from the other XXXX reports. I did n't think anything of it and the apartment company was able to accept what I had submitted from the other reports. 
This year I decided to move to a different apartment complex in XXXX and the same thing happened again. I went online and tried to pull up my credit through their website and it would error out when it was processing every time I hit submit. This time I knew there was an issue and I decided to call them to figure it out. I called the automated system and received an error and was given the run around when I tried to find an option to speak with a representative. I managed to find a number for their customer service for people that was n't to sign up for their services. After speaking with XXXX different representatives including a supervisor, they all gave me the same generic answer that they would n't be able to assist and I would have to call the other number. I told them I called that number and that I was unable to talk with anyone since it was all automated and they insisted that I would eventually talk with someone that would be able to help me. They were wrong and I kept calling the number telling me to go online or mail in a form with identification. I went through everything I could online and with no help from anyone over the phone I 'm not sure where to turn. Please if there is anything you can do to help it would be greatly appreciated. I 'm not concerned about my situation so much this year as I am in the future when I would have to have a cosigner for everything when I worked so hard to have an excellent score through the other companies.
For over a year, I have subscribed to Experian for a monthly review of my credit status. However, when I tried to get the information for the current and the last cycle, both of which were billed to XXXX XXXX, Experian claims that the personal security I provided is not the same as what I submitted originally. I have never changed that information -- my mother 's maiden name, my date of birth, my SS number, the name of my favorite teacher. I asked XXXX XXXX to remove the current charge and not to accept any more payments using my XXXX number, and they quickly agreed to do that. I intend to meet this week with my attorney to see what happened to my information, and how I somehow am being ignored by Experian. 
Thank you very much for any information and assistance you can provide. 
And blessings on XXXX XXXX XXXX for being the moving force behind the CFPB! 
XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXXXXXX
In XX/XX/XXXX, BSI Financial obtained my loan from XXXX. I 've been trying to get a detailed explanation of the charges of Principal, Interest, Charges, Fees and Penalties in a month-by-month breakdown since XX/XX/XXXX. All I receive are " Payment Histories '' and " Reinstatement Quotes ''. 

I feel my account has been shuffled from XXXX XXXX XXXX XXXX XXXX to BSI because none want to come to a reasonable agreement with me, and continue to add more and more charges and fees to my account. 

Please see the attached letter : Exhibits will follow by USPS.
Receiving repeated calls from the collector for a person that does not reside at my residence. We do not know the person. They have been told this numerous times now yet they keep calling, sometimes twice a day.
XXXX XXXX with Williams & Fudge contact my Employer posing as a customer needing assistance and being unable to reach me. The Representative referred this matter to my Manager and asked my Manager to  contact XXXX XXXX immediately. 

XXXX XXXX is in fact attempting to speak with my daughter regarding an outstanding student loan and used Social Engineering tactics to falsely gain confidential information.
I was in school/ deferment from XXXX and XXXX XXXX falsely reported I was not making payments. In XXXX XXXX XXXX sent a letter that stated this and that they sent information to four different credit reporting agencies. I called the number provided to the XXXX XXXX XXXX XXXX XXXX XXXX which really only went to the Education Loan department. 

It seemed to me that they resolved the reporting issues but I am still financially damaged since it was corrected recently I have loans associated to my house/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and car loan/ XXXX XXXX XXXX XXXX. All of which I have been paying too much for since they reported derogatory information for almost seven years. 

I attempted to get my school loan which is variable adjusted down as well as my house loan but XXXX XXXX declined my effort to mitigate the ongoing extra costs to my loans. XXXX XXXX XXXX XXXX said I would need to re-apply for a car loan, but rates have gone up so much I had a better rate already even though my credit score must have improved some. They did verify that one of the reasons I was turned down for a loan recent air conditioner loan was that derogatory reporting. It was over 100F and we had no ability for 4 weeks to get an AC unit for the house. 

During the period of time I was primarily unemployed from XXXX XXXX XXXX I was turned down for jobs and had to cash in everything we owed to survive, land, cars jewelry etc. In my profession you can not have companies bill under your license if you are delinquent in school loans payments. The OIG would require repayment for any payments submitted under my license. I believe that XXXX XXXX is responsible for many tens of thousands of dollars in my period of under employment associated to turn downs and sold property not to mention continuing loss from extra fees. 

I tried to get a credit report from Transunion to see what was reported and corrected about three weeks ago and have yet to see a credit report. XXXX XXXX XXXX XXXX suggested I go to XXXX XXXX. I do n't know why I should have to do that when I called to the numbers provided by XXXX XXXX to the four credit companies. Not sure why I have not received a report from Transunion. On the call to them they wanted me to pay for getting my credit score. I feel slighted by that since XXXX XXXX created this mess. 

I asked for numbers to the XXXX XXXX XXXX and the local bank in XXXX, Nebraska could n't find it. It tells me there is no ability to get accountability and mitigation for the damage they have done to me financially and it is a disingenuous offer for resolution. 

I have also tried to refinance my student loan I have with XXXX XXXX with XXXX and was flatly turned down. I believe because of their false reporting. Since we have many medical bills it is difficult to afford legal representation. I thought I would try this XXXX for help resolving my ignored mitigation efforts.
i have been leasing a mercedes since XX/XX/2015. I make timely payments withcertified checks and the company keeps reporting me as late and I have sent them proof of payment and they never use it they always state it is returned. Very harassing and poor accuounting skills.
Wells Fargo mis-calculated my Projected Escrow Schedule for XXXX. It reported that there was a {$470.00} escrow shortfall, but there actually is no shortfall. Wells Fargo only included 11 months of escrow, not 12 months. My monthly escrow payment is {$540.00}, but Wells Fargo did not include an escrow payment for XXXX XXXX.
On XX/XX/XXXX my spouse saw an ad online about XXXX XXXX XXXX, pay S & H of {$4.00} for a 14-day trial. I received the cream on XX/XX/XXXX and used it for 2 of the 3 days remaining that I had left on their " trial ''. I had to stop because it was XXXX XXXX XXXX and turning my XXXX XXXX. I tried several of the phone numbers that I was able to locate ( XXXX, XXXX, XXXX, and XXXX. ) in order to cancel the membership but no one I spoke with could locate my account. OnXX/XX/XXXX I checked my bank balance and found a charge of {$89.00} made by " XXXX '', for which I did not authorize to do. XXXX is the only one I authorized to take the {$4.00} for S & H only. The {$89.00} was for membership which was located in their Terms and Conditions link in the very tiny small print way down the bottom of the ad page where most people would not notice it. XXXX changes the Terms and Conditions at any time and without notice. I saved a copy of two of them. Nowhere could I find " XXXX '' or that the membership would be made by them and not XXXX. I tried calling XXXX again but got the same result ... no account in my name. I called my bankcard company and cancelled the card. The bank rep told me that the {$89.00} was in " pending '' and had not cleared the bank yet, and that by Wednesday ( XX/XX/XXXX) that amount would be removed from my bank card withdrawals. On Wednesday the amount was still there and this time it had cleared the bank. I called my bank, Regions and complained. I had cancelled the card on XX/XX/XXXX but on XX/XX/XXXX the {$89.00} cleared the bank in error. I was sent an Affidavit to sign and mail back to the bank. A few days later after not hearing from the bank, I emailed them to see how far along they were in settling my dispute. The email reply from the bank was that it had already been settled unsuccessfully and that a letter was sent to me about it. To date I have not received that letter. I emailed XXXX ( XXXXXXXXXXXX ) to cancel my account if one was found, but instead of cancelling it they created a new one and sent me an email to that effect ( from XXXX XXXX XXXX this time ). I told them they had made a mistake and to cancel the new one and any other ones they might have in my name. I 'm waiting their reply, if there is one. On doing research I have found many discrepancies with XXXX ... an F rating and a score of 1.06 out of 5 stars with the BBB, XXXX report, reports and complaints of XXXX being a scam, and many websites with many angry consumers who have had at least {$89.00} or an amount similar taken from their bank account or credit card unknowingly. I 'm really disappointed in my bank for allowing a charge to clear two days after the card was cancelled, and the scam that XXXX has tried to pull over me and many, many others. Note : XXXX does not issue you any receipts, etc. I would be perfectly happy to get my {$89.00} returned to me and XXXX put out of business so that they can not get away with being deceitful or hurt anyone else.
I purchased a home through Cardinal Financial XXXX of this year. While shopping for a mortgage, I was very clear on my requirements. I was purchasing a " fixer upper '' and wanted to avoid long term PMI. I asked the XXXX Representative when I would be able to drop the PMI and he stated that could drop the PMI off the loan after the XXXX were finished and the house appraised for 20 % above the loan value which would be {$350000.00}. My wife and I put thousands of dollars in XXXX to our home and called XXXX to schedule an appraisal. I spoke to an account representative at XXXX and they told me they have to put in a " request '' and I 'd be notified by mail. XXXX weeks later I received a letter stating that the PMI can not be dropped off until : XXXX ) The unpaid balance was XXXX % or less of the original value of the loan my XXXX XXXX The unpaid balance is 75 % or less of the current value of my loan and at least XXXX years have lapsed XXXX XXXX My unpaid balance is XXXX % or less of the current value of my loan and at least 5 years have passed. In order to qualify from PMI cancellation, I have to pay {$31000.00} to bring my original value down to XXXX %. I 'm appalled that they are able to tell me what I want to hear in order to get me to use them for my mortgage, but when it comes time to drop the PMI they 're able to XXXX XXXX me.
Ask for a validation letter in which they can not provide for 3 different bills they say I owe open date XXXX2017 one bill for XXXX $ another for XXXX $ an lastly XXXX $
In XX/XX/XXXX, we received an escrow shortage billing in the amount of {$4300.00} from our new mortgage company, Specialized Loan Servicing ( SLS ). Under the " Estimated Escrow Payments Over the Next 12 Months '' section, we noticed SLS charged county taxes twice for XX/XX/XXXX and XX/XX/XXXX, {$2300.00} ( listed twice for both months ). OnXX/XX/XXXX, a certified mail was sent to SLS to their Notices of Error and Request for Information at XXXX XXXX XXXX XXXX, CO XXXX. We received a letter stating they received our letter and was being worked on. As of today, XX/XX/XXXX, there has been no resolution to our problem. It has been verbally acknowledged numerous times by telephone with their reps that the error we pointed out in their part is correct but fixing the problem has been delayed numerous times. We have made many numerous phone calls asking for updates and an immediate answer. Our XX/XX/XXXX statement shows we owe {$750.00} more than what we originally pay a month, an outrageous amount of difference.
I have had Medicaid coverage for her he past three years, since XX/XX/XXXX. There is collection account that is reported on my credit report for XX/XX/XXXX for {$930.00}. I have contacted the collection company and the credit bureaus and requested for this to be removed from my credit. I have also provided them with evidence that I was fully covered with Medicaid during that period. Unfortunately, they have not addressed the request. I contacted XXXX, XXXX, and XXXX XXXX XXXX on this, but to no avail.
I have worked in public service starting in XXXX. My employer and my employment was certified by XXXX and my public service loan forgiveness was over XX/XX/XXXX. I am still making payments and I can not get anywhere with these people. I should have been one of the first. They have no reason to keep billing me. I asked one agent if anyone has been forgiven on this program and she said one person. I am a XXXX XXXX XXXX and I have saved XXXX life and millions of dollars of of property in my public service job. I have more than what is required by the PSLF. If this is a scam it needs to be stopped
On XXXX XXXX, Chrysler Capital, also doing business as Santander Consumer USA, a subprime lender for auto loans, financed {$26000.00} for a vehicle I purchased. The contract is for 72 months with a 22 % APR and {$670.00} a month loan payment. An APR of 22 % incurs a daily rate of about {$15.00} which means I 'm paying {$470.00} in interest and {$200.00} to the principal balance every month. The more the loan balance is paid down, the amount of interest incurred and/or owed lessens. My goal is to make extra payments or XXXX pay the required loan payment, which would quickly lessen the balance owed to the lender and the amount of interest incurred for the entire life of the loan. Also, refinancing the loan was the next step after about six months of payments. Chrysler Capital does not provide their loan customers with any receipt or confirmation of payment nor is there any notification by email of payment posting to the loan account. Chrysler Capital only provides their loan customers with monthly account and billing statements .And because of this odd, shady practice of Chrysler Capital , I frequent my online user account to see up to date activity, which is not included in monthly statements, to make sure that errors, like the matter at hand, do n't occur. A little while after becoming a loan customer of Chrysler Capital, I went online to get some background on them and discovered many unfavorable reviews and stories of suspected illegal and shady practices by current and past customers, which put me on the alert with my account with them. And the matter at hand regarding Chrysler Capital is a loan payment error on their part and not my own. Earlier this month of XXXX 2015, I made XXXX separate payments to Chrysler Capital for my loan in the amounts of {$280.00} and {$300.00} on their website powered by XXXX XXXX XXXX with a {$2.00} service fee per payment required. On XXXX XXXX,2015, when logging into the online user account, I could see that the XXXX payments had posted and were applied appropriately to the principal balance since all of the compounded daily interest incurred had been paid with previous payments. On Saturday afternoon, XXXX XXXX, 2015, for some odd reason, I logged in to the online user account and saw that both of the payments had been removed as a credit to the principal balance reducing or lessening the total amount owed by {$580.00} and applied as a negative, adding on to the total amount owed {$580.00}, increasing the balance. I contacted Chrysler Capital XXXX different times to correct the error and spoke with an agent and was put on hold for over XXXX minutes and the call would disconnect.
On XX/XX/2018 a repossession agent sent by XXXX XXXX XXXX on behalf of American Credit Acceptance ( the lender for my motorcycle loan ) approached my home wearing a badge and stated he was there with the sheriffs department and to call the sheriff to get my motorcycle back. I do have photos and videos of him wearing the badge and witnesses to the conversation and misrepresentation as a local government official. I did call the police and the sheriffs dept who were unaware of this man and his business or why he was representing the sheriff during a repossession. The company also claims I owe just {$780.00} for the towing fee which is above the max allowed and even my lender said they normally only see amounts from $ 200- {$300.00} and were unsure why my bill for towing is so high. I have attached a couple photos but have plenty more and a video if needed
I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.
After being a loyal customer to chase bank for 15 years several accounts credit cards etc never a missed payment never a fraud claim until now. Got fraud on my debit card in a hotel in XXXX where i stayed in XXXX and fraud was done in XXXX. Chase sides with hotel that produced forged documents from the fraud. I have proof i was working in XXXX the days in question and XXXX dollar chase bank is gon na side with XXXX hotel rather than 15 year loyal customer for mere XXXX dollars a month before XXXX the hard working middle class man
I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.
In XX/XX/XXXX, Due to financial hardship, I financed approximately {$500.00} with XXXX XXXX XXXX. I was unaware that I would be charged approximately {$400.00} in interest. Due to health issues I defaulted on this in XX/XX/XXXX. In XX/XX/XXXX, they sold my account to a collection agency. They sold my account, knowing I had health issues and knowing I was seeking a reasonable payment arrangement. The only solution the collection agency that XXXX XXXX XXXX, sold my account to was : a buy out or to set up arrangements with my checking account information ; they refused to accept a money order or any other alternatives.
I went to XXXX XXXX store on XX/XX/XXXX to buy some items for my wife and I and was asked if I wanted to open a card so we did. I gave all my info to the sales person and went on my way. The charge was {$48.00}. I never got a bill from this company and then out of the blue my credit went down when I called the company to inquiry I was told that they did not have my Unit number on the account billing address.

That is not my fault the sales person did not included this when I called to complain I was told that they would not remove the lates from XX/XX/XXXX and XX/XX/XXXX. As you did not get any mail returned. This is crazy. It was there fault. 

I have called the customer service center for the last 3 months asking if they could remove a 30 day late charge from XX/XX/XXXX and XX/XX/XXXX. The keep saying no. I called to complain as I have never been a late on any accounts in my life, I was treated with disrespect form a very confrontational customer service rep for your company. You can check the records on that one, I know the conversation was recorded.
On XX/XX/2008, a Parent Plus Loan was disbursed with me as the co-signer. The problem is that on that date I was a minor. I was only XXXX years old at the time and therefore I was legally unable to cosign the loan. My signature is of no value. It was the responsibility of Great Lakes to run my social security number and deny my co-signing before securing the loan. Not only is this unethical but it is illegal as well since minors can not legally cosign for loans. This was a mistake on behalf of Great Lakes and it needs to be corrected.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 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.
My mortgage company failed to pay my real estate taxes out of my escrow account even after XXXX delinquent notices were received by them. When they were questioned about this, they proceeded to scream at me and refused to pay it, including the late fees and interest.
After the Equifax data breach I attempted to obtain my free credit report ( via internet ) from the three credit reporting companies. On XXXX XXXX, XXXX I was able to get my credit report electronically from XXXX, but was unable to do so from XXXX and Equifax. On that date, I mailed the Annual Credit Report Request Form ( including required IDs ) to Equifax and XXXX. 

On XXXX XXXX I received my credit report from XXXX, but to date ( XXXX XXXX ), I have yet to receive any correspondence from Equifax. I have tried calling several times, but my call has been disconnected. There were errors on both my XXXX and XXXX  reports and I 'm concerned that there are errors on my Equifax report, but I have no way of finding out. 

Please advise on the best way to obtain my credit report from Equifax.
I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XXXX XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with WF. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per Wells Fargo request I have opened disputes with the credit reporting agency and last night I received an e-mail from XXXX stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND SBA loan of XXXX that was supposed to close 3 weeks ago.
HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT