WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Experian : My online attempt to place a freeze on my credit report would not process as it should through their website. My complaint about Experian is that it is virtually impossible to reach a live person there on the telephone. One is forced to enter all of their personal information via the telephone, only to be directed back to the web site or other irrelevant location. And/or, one is told to contact them by mail. It should not be legal for a company of this type to cause problems for consumers, then hide behind The Voice Mail System From XXXX. One should be able contact this company by telephone.
I can not afford the monthly payments as a XXXX mother of XXXX so I keep deferring these loans.They have more than doubled with the interest.I now owe almost XXXX instead of the XXXX originally borrowed
PHH Mortgage - phhmortgage.com Mortage payment is {$2500.00} - paid exact amount, on time, every month, for over 3 years. 

XX/XX/XXXX : During EFT from XXXX, inserted a '4 ' and did n't notice - making that payment : {$25000.00}, XX/XX/XXXX : We noticed the error - called XXXX - XXXX contacted PHH with me on phone - PHH had deposited the transfer, said they could n't unwind the payment - {$23000.00} does show applied to principal - PHH promised a return of the difference : {$23000.00}, within 7 to 10 days XX/XX/XXXX : Have not seen over-payment returned - amount still credited to Principal - called them, they now say they will return my over-payment in 15 business days - they offer no explanation of why they did n't send the money as promised on XX/XX/XXXX - i asked to speak with a supervisor, and was told they were all busy This is wrong and worrying behavior.
My Mortgage was transferred to Seterus fromXXXX Mortgage in XX/XX/XXXX in XX/XX/XXXX we applied with Seterus for a loan modification because we could not afford our mortgage payments I was unemployed for XXXX years from XX/XX/XXXX-XX/XX/XXXX When we applied for our fist modification with Seterus. We submitted documents that were required every 30 days. We needed to update our documentations because our documents had expired. We made 3 months of trial payments and we thought that the modification would be permanent we did not receive any documentation for the new modification and after 9 months Seterus told me that I need to reapply and start the process all over again They did not know what happened to our paperwork. During this time, our mortgage was in a past due status and foreclosure proceeding continue. We receive court documents that our house was in foreclosure and we were served with papers from New York state courts. Principal and interest continued to be added to the account. This was going on when we thought we had been accepted for a modification.
Im submitting a complaint to Trains union. I have spoken to them. The repesintive did not fix the issue. 
Im contesting the inquiries thta are made on my account from Trans union. I have been a VICTIM of their inquiry issue. 
These are the six accounts that Im contesting that should not be on my account. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Vital Recovery Services has called me at least XXXX times. I spoke with a manager who informed me that the calls were in error and they were managed by basically a " robot ''. She promised my number would be removed. My number was not removed so I called again. I spoke with another person who assured me there was an error and that my number " was n't even on their books ''. I 'm still being called daily ( often twice daily ). This is disrupting my life and business since my phone is a critical part of my business as I 'm self employed. 
Vital Recovery Services- XXXX
I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX.
I have twice requested SCRA benefits from USAA Bank regarding my credit card balance. I am a member of the XXXX XXXX was called to XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX for XXXX ( XXXX ) several times in 2017 during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However USAA rejected my request, stating I did not qualify stating that the SCRA only applies to service members on XXXX XXXX for 30 days. However it appears that provision is specific to XXXX XXXX members and I am a member of the XXXX XXXX and subject to XXXX XXXX XXXX. It is very disheartening as USAA prides itself on being military friendly yet denies this request. To contrast this, my other banks, XXXX, XXXX XXXX XXXX and XXXX have all honored this request. The denials were made on XXXX XXXX, 2017 and XXXX XXXX, 2017. I also sent a subsequent correspondence in XX/XX/XXXX to  dispute it again with no response.
TransUnion reports a status of my   XXXX   XXXX   XXXX   home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect.
The last payment on the said account was made in   XXXX   2010. The account became late in  XXXX  2010, was never again current and should be deleted as obsolete.
I disputed with TransUnion, but the account was verified as accurate.
I would like TransUnion to end reporting of obsolete information by deleting the  XXXX  account starting with  XXXX **** from my credit file.
This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.
On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA.   XXXX   and Experian allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.
Equifax has merged my excellent credit report with another person that has the same name and similar social security number. They will not remove negative information from the other persons credit history from my credit report nor will they verify if my credit history has appeared on his credit report. Through their numerous  XXXX  ups Equifax has provided me with the other persons social security number, date of birth, addresses, etc. Equifax will not verify that my personal information has been properly secured.
I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX XXXX. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start making purchases for the company and ship the items to designated areas. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with SunTrust bank and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called SunTrust to ask them what happened and they told me that this was not my account and that I was not authorized. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable. I have attached many documents and there are many more emails should you need copies. I apologize that the emails are a bit unorganized, that happened while copying.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
I have been working on mitigation options wi th SPS sin ce   XXXX   XXXX   XXXX  . I have supplied all documents requested in a timely manner, however SPS is constantly asking for additional information, asking to re-send information. Then on    XXXX   XXXX   XXXX    they inform me that the review will be continue because the file was not received 37 days prior to the foreclosure which is currently set for  XXXX   XXXX ,  XXXX . The documents they requested were sent to them on  XXXX   XXXX ,  XXXX  and they failed to inform me that there was a deadline for those documents to be sent in. Additionally, I am not confident tha t SPS has  the legal rights to foreclose as they may have received the loan transfer after default nor can I find a recorded assignment of the deed of trust.
I opened the XXXX XXXX card on XX/XX/XXXX of 2018 and was charged the annual fees upfront which amounted to almost {$100.00} ( {$75.00} + {$19.00} ) and on XX/XX/XXXX my credit score went down 54 points. I did not have this card within 30 days and it was reflected on my credit report. Since then, I have made 4 payments and the company has refused to allow me to make another payment this month. This card is supposed to help build credit but won't allow me to take the proper steps to ensure I can maintain my credit report.
I leased a XXXX XXXX XXXX. This is our XXXX XXXX in the last 9 years. For the first time I was getting close to the miles. Visited XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX trying to get a solution becuase didnt want to go over the miles. None of them advicsd me that it would be better to pay the extra miles than getting a new car at the moment. None of them were able to work deal that made financial sense to me. At the end I decided to return the car and pay the XXXX remaining of the lease. At the time I received the first bill XX/XX/XXXX I contacted Hyundai Motor Financial and told asked them to wave the XXXX early termination fee so I can pay the difference Since a new need for a Hybrid came up I wanted to stay with the branch and with the Ioniq I can get a tax credit. At that time the ioniq wasnt available, I made an initial payment of XXXX to my account. The representative told me he will extend the due date until XX/XX/XXXX until the car became available. XX/XX/XXXX was here and the car I wanted wasnt available, At the moment paid another XXXX requested the fee to be refunded and was declined again. Asked the representative if paying after XX/XX/XXXX will affect my credit her asnwer was that everything stay in house and an internal recovery department will contact me. 
In XX/XX/XXXX I received a call from XXXX a collection agency asking me all my information. I wasn't comfortable answering and the agent told me they will send a letter. That letter came in a week letter and than in XX/XX/XXXX the agent call me again. When he was asking my verification questions he told me he cant talk to me because my date of birth didn't match his records he had XX/XX/XXXX and my DOB is XX/XX/XXXX he promise a call when fixed. On XX/XX/XXXX he calls me back telling me they corrected the information and we can now talk. I told him that I will pay the invoice completely because I didn't want to affect my perfect payment history I have built for the last 12 years. He told me is to late because in XX/XX/XXXX I was reported to the credit bureaus with a delinquent account. I wasn't happy XX/XX/XXXX was the day he couldn't verify me over the phone because of their mistake. I told him I will pay when they remove that negative mark from my credit. He talked to his supervisor and told me they will do and exception and email Hyundai to get that off my credit in exchange I have to pay in full. 
It is now XX/XX/XXXX and I haven't receive a call back, the mark still in my records, I called then 3 times and are always with a high call volume. I emailed Hyundai Motor Finance and they directed me to recovery who directed me to that XXXX number. 
This is not the first time HMF damaged us.
Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint is regarding Idaho Housing, XXXX XXXX relating to incident occurring in XX/XX/XXXX and remains ongoing with no updates to a resolution. 

Preliminary : XXXX XXXX XXXX was moving its business out of state and I needed to find new home owner 's insurance by XX/XX/XXXX. 

I found two homeowner 's insurance companies, XXXX ( XXXX XXXX XXXX ) and XXXX. I opted for XXXX insurance which was finalized through intermediary, XXXX XXXX XXXX company and it was billed to my escrow account with Idaho Housing. Billing amount with XXXX was for {$630.00} in XX/XX/XXXX. 

For another reason XXXX was also processed and billed to escrow for {$1000.00} in XX/XX/XXXX. Another duplicate billing for an amount of {$1000.00} was done in XX/XX/XXXX. I am assuming this is for the same homeowner 's insurance amount for XXXX. 

It is understandable that I should have only {$630.00} and {$1000.00} billed to escrow. The {$1000.00} was reimbursed by XXXX via check, which was deposited into my checking account. I have yet to trasfer the {$1000.00} to my escrow. However, the main inquiring of concern is regarding the other duplicate amount of {$1000.00} dated XX/XX/XXXX, which needs to be reviewed further for additional clarification. 

Additionally, back in XX/XX/XXXX I was terminated from my employer and I attempted to reach out to Idaho Housing for additional assistance for my mortgage. Idaho Housing representatives stated to me that due to my loan being less than one year Idaho Housing could not be of assistance. I also want to make sure that at the time of contact, Idaho Housing was following FHA Servicing Guidelines and Regulations regarding my attempt to explore workout options. 

I was in contact with Idaho Housing call center representatives with no timely success to my problem that has arisen with the company regarding my homeowner 's insurance. 

XXXX and XXXX are not the focus of attention- resolutions were made with both companies. No documentation needs to be shared with XXXX, XXXX XXXX, or XXXX.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX   XXXX  XXXX, XXXX XXXX XXXX XXXX
In XXXX XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$800.00} ) after meeting certain criteria, such as depositing money and using a bill-pay feature of their account. I confirmed my eligibility for this promotion via phone with a Citi customer service representative in XX/XX/XXXX. Subsequently, I met the aforementioned criteria, a fact I confirmed with a Citi representative via their customer service chat, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. As of the current time I have recieved NO points or other opening bonus, as promised, and Citi now states that I " did not qualify '' for the bonus. 

Seeing as I had previously confirmed this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. Despite several emails and " internal investigations '' on Citi 's part, they have suddenly decided and maintained that I do n't qualify unless I can find a postcard from 5 months ago showing the offer. This was a need that was never previously mentioned upon confirming eligibility or completion of requirements. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. 

Now I have {$60.00} of fees and I will not be getting {$800.00} worth of Thank You points. I 'm not alone. Many people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for, and they end their misleading marketing practices - I never would have applied for this premium account, otherwise. 

Thank you
XXXX XXXXXXXX XXXX XXXX CALLED MY HOME AFTER TELLING ME WHO THEY WERE TOLD THEM NOT TO CALL ME AND HUNG UP CALLED DENTIST OFFICE THAT REFERRED XXXX XXXX XXXX THEY GAVE ME A DIFFERENT TOTAL - DISPUTING NOT INFORMED LEFT MESSAGE FOR MANAGER - COLLECTION OFFICE CALLED AGAIN TODAY - HUNG UP PHONE THEY CALLED ME BACK STATING WANTED TO VERIFIED ADDRESS - GAVE THE ADDRESS REPRESENTATIVE TOLD ME I HAVE A WEEK - THEN LAUGHED AND HUNG UP PHONE/
I submitted a balance transfer request from my cc account with XXXX XXXX to my Chase Freedom cc in early XXXX. The transfer was processed on XX/XX/XXXX but the transfer amount was sent to the wrong account and My XXXX Card was never credited. I called on XX/XX/XXXX to notify Chase that I had not received the credit to my other credit card and was now carrying two balances. They informed me it could take up to 30 days to rectify but likely less than that. I have contacted Chase twice since the initial contact. Each time I am told they can not help me and someone is working on it. However, 30 days has passed and I have yet to receive a resolution and am now paying for twice the cc balance due to their unwillingness to cancel the transfer or rectify the situation. I am currently looking into what legal recourse I can pursue in order to reclaim the {$8400.00}.
I received a car loan from Wells Fargo Dealer Services in XXXX for a XXXX XXXX XXXX. My payment was {$380.00}. I was unable to make my insurance payments for 3-4 months in XXXX while I was unemployed. Even though I was not driving the car, Wells Fargo covered the car for those months. Ever since then, my loan payments have been {$390.00}. It 's been over 3 years now. I do n't understand how I 'm still being charged $ XXXX for 3-4 months insurance after I 've already paid hundreds of dollars. I do not trust Wells Fargo after the disclosure of their widespread fraudulent behavior. I believe that Wells Fargo overcharged for the insurance provided during the 3-4 months.
I have notified Equifax and XXXX that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the XXXX time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus XXXX month ( not XXXX months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.