WillisBack/dataset-financial-user-claim huggingface dataset:
Experian Credit Report Company. They claim free credit report. When your alerted to a problem, your told to check your credit report and every time there has been no problem. What happens when you order your {$1.00} Credit repor and FICO Score you begin a 7 day trial membership. If you don't cancel within the 7 day trial period, you will be charged {$21.00} per month that you continue membership ( my charges have been {$2400.00} per month ). I tried to cancel many times but you can not get in contact with anyone. Phone calls are not answered, only put on hold. This has been going on monthly since XX/XX/XXXX ( {$190.00} ). Again, I have tried several times to cancel the so called membership but no answer per emails or website. This is truly a scam and needs to stop. I'm not alone as you can read below taken from Experian reviews taken from the Web : XXXX of XXXX, NY Verified Reviewer Original review : XX/XX/XXXX They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR! Just filed a complaint with the Consumer Finance Protection Bureau. Supposedly they will investigate and contact them. Please file a complaint here https : //www.consumerfinance.gov/ and  maybe something will be done! 

XXXX of XXXX, MA Verified Reviewer Original review : XX/XX/XXXX Same story as everyone. I paid for a credit report and randomly discovered charges to my credit card from Experian. Now I get to wait on the phone for >2hrs to cancel the membership I didn't want, I didn't know I signed up for, and that I need to waste a lot of my time untangling. Absolute **. Absolute scam. And, absolutely no surprise that everyone else has nothing but horrible things to say about Experian. 
XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX To get a credit freeze, after the big XXXX data breach, Experian asked for a lot of information, and then at the end of the filling out info turns out they were trying to SELL me not help me, for $ XXXX/month. I called in the very day and after being on hold for a very long time, they told me they cancelled it, which they did not, and I've been charged ever since XX/XX/XXXX. When I called and complained they said they would cancel me -- but remember they already did that in XX/XX/XXXX, and they offered to give me a month of the more than 80 they charged me. VERY bad customer service, and unfair billing practices. Not a happy customer, and sounds like I am not alone.
On XX/XX/XXXX I was notified of Equifax 's data breach and their attempt to get consumers to waive their legal rights. 

From Equifax : " Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company 's investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifax 's core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. '' According to Equifax, I have been impacted by this incident. 

Additionally, Equifax is attempting to trick consumers into waiving their legal rights through their offer of free credit and ID protection. 

From the XXXX XXXX. 

XXXX XXXX XXXX XXXX
I demand that Seterus return any money they have received toward the supposed servicing of my loan! It has never been my intention to pay anything to Seterus until they provide legal documentation on the proper, and legal, transfer and ownership of my loan ( as per legal record XXXX does not own the loan ) and then legal documentation/authorization from the owner that Seterus is servicing the loan. I 've asked for such documentation since Seterus first began their extreme harassment and I 'm still asking for it. I also spent years asking XXXX XXXX XXXX for this information and I have received XXXX of pages of documentation, even forged documentation, but still nothing regarding the ownership of the loan. I simply did not realize that Seterus was forwarded funds from XXXX and Seterus is simply holding and benefiting from holding funds by not at very least applying to funds toward the principle of the loan.
On XX/XX/17 and XX/XX/XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.
My wife and I have a mortgage with Banco Popular in Puerto Rico that we obtained in XX/XX/2106. We speak English only, and have told them on numerous occasions to send us servicing notices in English. They keep send important notices ( such as about hurricane insurance or property insurance ) in XXXX only. This is unlawful and needs to stop. When I tried to call again today, I got the runaround and finally was disconnected with no one helping me.
On XX/XX/2018, I received a hard credit inquiry from XXXX which has affected my credit score. I called the credit reporting agency ( Transunion ) and they informed me that I will need to get documentation from XXXX. After an hour waiting, I spoke with someone from XXXX and they said I would need to speak with Transunion to start the dispute process. I called Transunion back and they refuse to do anything without documentation. Both parties refuse to fix this hard inquiry that I did not authorize and I am currently left with no recourse.
I co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences.
Hi, It seems that Chase has been denying my credit card application under a generic reason. The reason they say is that too many credit inquiries. I have a good to excellent credit and feels like they are denying my application on other factors which I do n't know of. 

Please let me know if I can provide any additional information. 
Thank you
On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; Ocwen Loan Servicing LLC. ( Please see attached loan modification agreement from Ocwen Loan Servicing LLC ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with Ocwen Loan Servicing I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to XXXX XXXX XXXX ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX and XXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of XXXX XXXX to XXXX XXXX thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either Ocwen Loan Servicing or XXXX XXXX XXXX. I contacted Ocwen loan servicing and XXXX XXXX XXXX several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither Ocwen loan servicing or XXXX XXXX XXXX will give me any answers. They continue to tell me that they will look into the matter and get back to me a couple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
PennyMac is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time PennyMac was publishing a sale date for my home. This along with other concerns defined in the attached documents is clearly defined as Dual-tracking.
XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.
I added a new employer as a direct depositor to my XXXX Card by XXXX which is issued by MB Financial Bank , N.A . The day my direct deposit for {$1500.00} should have been posted, nothing posted to my XXXX card. I discovered I skipped a digit in the account number and submitted an incorrect account number to my employer. I contacted XXXX XXXX, XXXX and MB Financial. None of the XXXX organizations would provide information on my payroll check funds nor would they provide information on how to resolve this issue.
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report
Our company tried XXXX XXXX, XXXX and decided in XXXX 2014 that we did not want to use their services. All communication from XXXX XXXX, XXXX was through email so we emailed them stating that we did not want to continue their services and we also called them by phone and stated such. We have emails that show we cancelled and we never turned the services back on. XXXX XXXX XXXX has tried to collect money from us for services we did not receive and have now turned us over to a collection agency. We were turned over to a collection agency after we disputed the charges by email, by phone and by a written letter.
Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. 
( 3 ) who was the note holder up until the day the held the documents. 
( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.
I have written to your office before regarding this loan. XXXX XXXX XXXX who claims to be the Servicer for Atlantic Pacific Mortgage Corporation, illegally increase my payment. I contracted with Atlantic Pacific Mortgage Corporation on XX/XX/XXXX to pay {$700.00}. I pay my own insurance & the property is exempt from tax. I went to pay my bill and there was an increase on my payment for {$270.00} without an explanation. 
For each complaint, XXXX fails to give the correct information and XXXX XXXX keep violating my contract by adding additional money to my mortgage without an explanation. 
General Loan Information Current Principal Balance {$74000.00} Current Interest Rate 6.000 % Year-To-Date Totals Principal {$0.00} Property Taxes {$0.00} Interest {$0.00} Hazard Insurance {$0.00} Payment Information Last Payment Received XX/XX/XXXX Next Payment Due XX/XX/XXXX Total Monthly Payment {$980.00} XXXX insist on creating an escrow account for insurance even though the insurance is taken from my bank account Escrow Information Click here to update your insurance informationPRINT PRINT Loan Number XXXX Property Address XXXX XXXX XXXX City , State, Zip XXXX , NJ XXXX Borrower Name XXXX XXXX Escrow Summary Last escrow analysis date ( month/year ) XX/XX/XXXX Current escrow account balance ( {$1300.00} ) Current escrow payment {$270.00} Projected escrow payment {$92.00} Projected escrow payment effective date XX/XX/XXXX Taxes Tax Description Tax paid to Tax ID Number Installment Amount Next Due Date City tax XXXX XXXX XXXX XX/XX/XXXX City tax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XX/XX/XXXX Homeowner and Hazard Insurance ( s ) Insurance Type Hazard Insurance Company Policy Number Policy Expiration Date Annual Premium Amount Homeowners ( primary ) XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Your annual hazard insurance premium is : {$1300.00} These are my payments automatically sent from my bank to XXXX XXXX : Policy goes from XX/XX/XXXX-XX/XX/XXXX 1. XX/XX/XXXX Withdrawal-ACH-A-XXXX XXXX XXXX XXXX ( EFT PYMT ) ( {$92.00} 2. XX/XX/XXXX Withdrawal-ACH-A-XXXX XXXX XXXX XXXX ( EFT PYMT ) ( {$190.00} ) 3. 

From XXXX XXXX : Welcome, XXXX! 
Automatic payment of {$92.00} is scheduled for XX/XX/XXXX Payment Due : {$92.00} MONTHLY EFT Due Date : XX/XX/XXXX HOME Home - XXXX XXXX XXXX Policy # : Get evidence of insurance ID card Payment History for Insurance Policy from Farmers My PaymentsDownload Payment History Receipt DateDescriptionAmount XX/XX/XXXX AUTOMATIC PAYMENT using CHECKING ( XXXX ) Print Details - {$92.00} COMPLETED XX/XX/XXXX AUTOMATIC PAYMENT using CHECKING ( XXXX ) Print Details - {$190.00} COMPLETED XX/XX/XXXX Payment Transfer using Transfer/Redeposit Print Details - {$1000.00} XX/XX/XXXX Refund to Company using Transfer/Redeposit Print Details {$1000.00} XX/XX/XXXX Refund using Transfer/Redeposit Print Details {$1000.00} XX/XX/XXXX PAYMENT PROCESSING CENTRE using CHECK Print Details - {$1000.00} COMPLETED The {$1000.00} were verified as received by the company ( See responses to previous complaints ).
I purchased furniture at XXXX in XXXX AZ on XXXX/XXXX/XXXX. They had a sale and offered 24-month financing at zero interest. My first payment of {$100.00} was due on XXXX/XXXX/XXXX. I paid this online on XXXX/XXXX/XXXX. I thought I had set the account up for autopay from my XXXX checking account at that time. I found out on XXXX XXXX, XXXX, that through some error of mine autopay was not set up and the payment due on XXXX/XXXX/XXXX was not made. I immediately set the payment up and it was paid on XXXX/XXXX/XXXX. I included the payment due on XXXX/XXXX/XXXX so that {$210.00} was paid on XXXX/XXXX/XXXX. I received a bill for a {$35.00} late fee plus interest of {$2.00}. The payment of {$37.00} was made on XXXX/XXXX/XXXX. The statement I received for my payment due on XXXX/XXXX/XXXX stated that my minimum payment due on XXXX/XXXX/XXXX was {$140.00} plus a {$25.00} amount past due for a total of {$170.00}, an excess of {$70.00} over my required payment of {$100.00}. As of XXXX/XXXX/XXXX I had already paid the regular {$100.00} payment on XXXX/XXXX/XXXX and the late charges for the XXXX payment. Now comes the bill for the XXXX/XXXX/XXXX payment. They are billing me for {$170.00}. I owe {$100.00}. 

I have tried to communicate with Synchrony online. I get a message that the information I provided does not match Synchrony 's records and tells me to call the phone number provided on the statement. XXXX is an answering machine that gives information about what they say is the balance due and gives you no choice to speak to a human being or to leave a call back message.
XXXX XXXX is now falsely acting as Attorney-In-Fact for XXXX XXXX and has changed and or added documents to my original files at the county recorder in XXXX County Georgia. I have never hired XXXX XXXX for anything. I have never met anyone from XXXX XXXX. XXXX XXXX is trying to commit fraud on my behalf, and attempt to transfer my property to another party without my consent. The new party that XXXX XXXX says that they represent is now XXXX   XXXX XXXX, XXXX. These entities are asking me to transfer my property to XXXX XXXX XXXX, XXXX. I DO NOT HAVE ANY CONTRACT AGREEMENTS WITH XXXX XXXX XXXX, XXXX, ALSO I DO NOT HAVE ANY CONTRACTUAL AGREEMENTS WITH XXXX XXXX. I'm being harassed by XXXX XXXX now on the behalf of XXXX XXXX XXXX XXXX XXXX. By staying in honor, I've ask both entities to show proof where they've given XXXX XXXX , Estate or XXXX XXXX any value. They failed to respond to my Affidavits. Therefore, I assume they are attempting to fraudulently receive value from me and or my estate. I've sent cease and desist affidavits to both entities, who both failed to respond. Now XXXX XXXX is saying I lose by default and my property is in foreclosure, and I and requested to transfer my property to HUD, or XXXX XXXX XXXX, XXXX. Again, I have never taken a loan from XXXX XXXX XXXX , XXXX or XXXX XXXX. They have no right to contact me to defraud me. They have never given me value and they will never receive value from me. I'm requiring your office to demand these entities to cease and desist with their attempts to contact me, XXXX XXXX or my estate, XXXX XXXX, Estate about any debt. If they can show where I signed a contract with them, then I'm willing to settle any and all debts owed to them. They never respond when I ask, because it is false.
XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!
Equifax, XXXX and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
XXXX XXXX AND XXXX XXXX I AM HAVING PROBLEMS WITH MY MORTGAGE COMPANY. I MAIL MY PAYMENT EACH MONTH AROUND THE XXXX OF THE MONTH. THE COMPANY ALSO HOLDS MY PAYMENT LESS TWICE A MONTH OUT OF A YEAR TO KEEP ME FROM DOING A REFINANCE. ALSO, I HAVE BEEN IN THIS MORGAGE FOR OVER 14 YEARS AND NOTHING IS GOING TOWARD PRINCIPAL. I WAS NOT AWARE THAT THE LOAN MODIFICATION HAS BEEN DONE 4 TIMES. I DID DO A MOD. ONCE, WHEN I HAD TO TAKE XXXX   BUT NOT 4 TIMES. I HAVE BEEN IN THIS NOTE FOR OVER 14 YEARS AND SOMETHING SHOULD BE GOING TOWARD PRINCIPAL. I SHOULD BE HALF WAY THROUGH. BUT THEY SAYING I WANT BE THROUGH UNTIL XXXX. THAT IS NOT RIGHT. I HAVE CALLED MY MORTGAGE COMPANY SERVERAL TIMES COMPLAIN ABOUT THIS PROBLEM, NOTHING IS DONE. I NEED HELP WITH THIS PROBLEM. PLEASE ADVISE ON HOW TO RESOLVE THE PROBLEM.
This case should be adjoined to case XXXX and involves both XXXX and Capital One. As per the previous case, I had two fraudulent transactions in the total amount of {$670.00} taken from my XXXX checking account on XX/XX/XXXX under the " moniker '' Capital One online payment. I have a Capital One credit card account that has AutoPay scheduled and these 2 transactions occurred at the same time my approved AutoPay payment was also taken. In an attempt to protect myself I placed a " outgoing transaction freeze '' on my checking account at XXXX, and removed AutoPay from my Capital One account. On XX/XX/XXXX I opened a NEW XXXX checking account, and re-established the AutoPay with Capital One with the NEW checking account. On XX/XX/XXXX two NEW fraudulent transactions were completed on my NEW XXXX checking account with the same " moniker '' of Capital One, and again were taken out at the same time my authorized AutoPay payment occurred. I suspect this is a LARGE SCALE AND CONTINUING BREECH on the part of Capital One and XXXX, n that as soon as a deposit holder enters bank account info in AutoPay for Capital One with a XXXX routing number, their data is being provided to some party to commit fraudulent activity. On XX/XX/XXXX I immediately ( XXXX am ) contacted both Capital One and XXXX to inform them of this issue. XXXX has indicated they will investigate the claim and return the {$120.00} that was removed from my deposit account. XXXX was not at all helpful and only could suggest I open yet ANOTHER new checking account. Through a laborious question and answer with the? XXXX representative ( over 2 hours on the phone ) I was able to discern that I could place a " stop payment '' on all Capital One transactions f I paid {$30.00}. I authorized this but was outraged that I should have to pay {$30.00} to protect my account for a data breech occurring at XXXX and Capital One. XXXX told me that it Is the responsibility of Capital One to do more than that. In speaking with Capital One, they said " well we ca n't see the transactions on our side on your account so not sure what we can do ''. I finally was able to reach a person in the Office of the President at Capital One who said my previous claim is being investigated by XXXX ( XXXX ) and I should contact her. I contacted XXXX TWICE to inform her of the NEW issue on a NEW deposit account, no return call has been received. Given that I have been in the financial services industry for over 15 years, and 6 in the regulatory compliance arena, I am frustrated with the absolute lack of concern of consumer fraud by two of the largest financial institutions. I am fortunate enough to know enough about consumer protections to submit this claim and protect my account, however even with that I am now resigned to having to send CASH MONEY ORDERS to Capital One for payment on my account given that I had to place a " stop payment '' on my account. What is this 1962? For the billions of dollars that have been spent in this industry, I am outraged.
I have been the victim of on going and troubling ID THEFT. I have several fraud items reporting on my credit report. I have sent police reports as well as other supporting documents showing this to be true. Transunion has stopped responding to my request to remove these fraud items. The person responabile for this ID THEFT is a wanted fugitive and is begin actively sought by law enforcement.
On XXXX/XXXX/2016 a check was sent to Macy 's to payoff my account. The check was cashed XXXX/XXXX/2016 but never applied. XX/XX/XXXX I telephoned customer service and was instructed to send a copy of the front and back of the check, which was done. On XXXX/XXXX/2016 the money had still not been credited so I sent and email. I was informed the payment had been located and would reflect within 5 days. After 7 days the payment still had not reflected ( in the meantime, I have continued to make additional payments to avoid late charges. ) I was sent an email XXXX/XXXX/2016 that I would have to wait until the next billing cycle which is another month. I have continued to be charged interest and monthly payments throughout this process and am also due a balance since there is now an overpayment of about {$120.00} once they apply the payment.