WillisBack/dataset-financial-user-claim huggingface dataset:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this account has been switched, it is still showing on my credit report.
I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.
I took out a home loan to purchase my house at XXXX XXXX XXXX, in XXXX XXXX, CA XXXX and requested a loan modification according to HAMP to lower my payment and have still no received a reply. According to my attorney many documents have been falsified and I would like a copy of all documentation per the FDCPA and this Qualified Written Request ( QWR ) from my Account regarding all documents I am entitled to per RESPA and TILA.
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.
My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?
I had a checking and savings account with Bank of America. Both accounts were transferred to Bank of the Cascades automatically, without my doing anything, early in 2016, when XXXX took over some Bank of America accounts. The checking and savings accounts I had with Bank of America were free - NO FEES because I had a combined balance of over ten thousand dollars. But my the last Bank of America statement, just before the balances were transferred to the XXXX XXXX, Bank of America took {$10.00} from my savings and transferred {$42.00} instead of {$52.00}. I called Bank of America in XXXX 2016 to ask why, and during that call it was agreed the {$10.00} fee should not have been taken out and they would send me a check for {$10.00} to my mailing address - a PO box . They said the check should arrive by the first week in XXXX, by about XX/XX/XXXX16. It never came. So today XX/XX/XXXX16 I called XXXX to see if maybe it was sent to them or transferred into my account - it was not. I asked them to tell me who to call at Bank of America about this. They told me to call XXXX. I did, and a very snippy woman named XXXX said she sees the request on record for the {$10.00} to be sent to me but it was not sent to me because the bank employee who requested it did not have authorization to do it. She said only members of the " Transition Team '' can place those requests and she said the bank employee who made the request to send me my refund check " was not a member of the Transition team and never has been '' and she went on to try to chastise ME for not putting my request in with the right person. Keep in mind this woman can clearly see into my account history and she can see the issue was reported, that the money was taken and due to be refunded, but her only concern was to tell me I was at fault for not speaking to the right person in the right department. I told her if they would not send me a check I 'd report this issue for investigation with federal agencies, and her reply was to say, sure you can do that if you want - instead of offering to help me or instead of offering to correct the problem and sent me the {$10.00} check. Her attitude was that I put in my request for a refund with the wrong department so it 's my fault I did n't get the check and she had little more to say.
After talking to two bank representatives that if I made a deposit, that my funds would be available the next day, I deposited my paycheck in the amount of {$1800.00} into Citizen 's bank on XX/XX/2018 at XXXX. Well to my surprise only {$200.00} was released to me the next day. My funds were on hold. The week before the deposit I had opened an online account with the bank and an online representative had also told me funds would be available the next day.. I agreed to terms and conditions, but nowhere in it have I read that my paycheck would be on hold for 5 business days, who would have agreed to such a policy knowing you would need your money? On XX/XX/2018, I went into the bank and spoke with XXXX who told me my paycheck was on hold until Monday XXXX XXXX. When I asked her can't they call the bank the check is written on to verify the funds, she told me they don't do that anymore due to privacy rights. I find this so hard to believe knowing the day of technology that we live in. 
As of the date of this complaint, XX/XX/2018, I have been without my paycheck for 7 days now and my bill collectors don't care that it is for 5 business days! I feel as if this bank is punishing me for whatever reason. I have heard of banks holding funds for 3 days but 5 unbelievable! I even asked XXXX on XX/XX/2018 if I could just get my check back and she stated probably already gone through the process once scanned, but wasn't sure
Around XX/XX/XXXX, my attorney submitted documents to start a loan modification. We have been informing Wells Fargo for years that they had us in the same Pick-A-Payment loan from XXXX XXXX and this loan was found to be invalid by Superior Court Judge XXXX order in XXXX County NJ. However, we never received a formal denial letter through the mail. Yet Wells Fargo Home Mortgage despite numerous attempts to get their attention to stop their illegal foreclosure and sheriff sale proceedings, they continued to move forward even after being old there were a number of issues in my mortgage. Wells Fargo went on and held a Sheriff sale of our property on XX/XX/XXXX which is a clear FEDERAL VIOLATION of 1024.41 Loss mitigation procedures.I believe that they did this in retaliation for me filing complaints with the State and Federal authorities for their conduct which is deemed illegal.
Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.
Relative was served by sheriff today that I was being sued by XXXX XXXX for a debt that was sold by Citibank to this agency. ( File XXXX ) I no longer reside at XXXX XXXX XXXX XXXX, property sold to relative XXXX. We reside in XXXX XXXX Florida. Documents were served to relative ; were not sealed and read by relative ; clearly violating confidentiality laws and my rights. In further checking they also contacted and shared personal info with my son XXXX. This caused embarrassment to my family, neighbors and children were present, when served. XXXX had no right to serve improperly or to share my financial info. 

I attempted to negotiate with Citibank a 5 year payment plan after a rental property was badly damaged by Hurricane Sandy. They passed debt to an Illinois agency prior to selling/factoring this receivable to XXXX XXXX. I was never called or notified that XXXXwas filing suit. Never heard of these people.
Hi and Thank You! 

First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX. 

I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery. 

I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}. 

I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}. 

XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number. 

I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX. 

XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy. 

I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount. 

Please advise. 

Thank You
WHICH BEST DESCRIBES YOUR ISSUES - none of the options apply but I was forced to choose one. They did not attempt to collect the wrong amount but they have continued to give me the run around and provide me with false information or they do not follow through with what they say they will do. 

I contacted Portfolio Recovery Associates to negotiate settlements on accounts that were reporting to the credit bureaus. The XXXX account I paid was on XX/XX/2017 and I asked for a letter to memorialize the settlement. I was told I would receive by e-mail in 24 hours but never received it. I called on XX/XX/2017 to payoff other accounts and came to an agreement to settle XXXX more accounts. I asked for an arrangement letter for these accounts as well as for the account paid on XX/XX/2017 that I did not receive. I waited 24 hours and called again asking about these letters always being told I would receive in 24 hours. I explained that I am under a deadline and could lose housing opportunities if I do not have these letters. I called every day, sometime 2x a day. Finally on XX/XX/2017 I called again and reached an associate who put me through to another supervisor ( XXXX XXXX in XXXX ) who just kept giving me bad information and would contradict himself. He said that they were not able to provide a letter through e-mail, that I could not have an arrangement letter until 48 hours after payment was received, could not have a {$0.00} balance letter for 10 days, and they could not use my husbands e-mail address for communication to me. When I tried to tell him we were accommodated when we paid off my husbands collections he was not interested. I asked again for arrangement letters and provided my personal e-mail. XXXX XXXX told me I would not get any letters until my e-mail address was verified and that he would need to send me a disclosure e-mail to respond to - again this could take up to XXXX hours. I finally received some letters through my husbands e-mail address but 1 of the letters was from an older account that I did not ask for and 1 of the other 4 letters I was expecting was not provided. The 3 letters received were poorly written, included the wrong dates, did not include the original balance so the balance could be matched to the credit report, and showed a current balance of {$0.00} with a payment due. I contacted the Ombudsman office in an attempt to resolve and I was sent the same poorly written letters in addition to the letter I was missing but now this also was poorly written and included incorrect information ( reports that I still owe money ). I called the rental relations company I am working with to see if they would call Portfolio Recovery and verify the accounts have been paid and when the rental relations company called Portfolio Recovery Portfolio Recovery would not verify any information. I am not sure why it is so difficult to get a letter from this company acknowledging the settlements they have agreed to. Every time I call I am connected to a different person and receive different information. I do not know what to do next.
On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!
I've been attempting to link my debit card as a funding source to my Bluebird account, I'm receiving an error message stating to check the CID number ( security code ) and or billing address, which are both correct and match billing statement. Prior to this, a block or restriction was placed on account preventing the card from being linked. Supposedly, this block was removed as per a XXXX XXXX. It does not appear it was removed and customer service reps only offer varying reasons for error, none of which make sense. Reasons include ... .. I need a dollar on my account as a one time transaction or processing fee, that part of the system is down for maintenance, my bank does not allow my card to be added which it was prior under a different card number. Previously, card ending in XXXX was in fact on file as a funding source, the card was removed as it was reported lost/stolen. I am attempting to add card ending in XXXX, it is saying I need to verify billing and or CID number which both match ... It appears there is still a block preventing me from linking any card as a funding source
I opened a Citi bank checking account in XX/XX/XXXX during a {$400.00} promotion offer. 
The terms for the offer were " Get a {$400.00} bonus when you open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I have made the deposit and met all the terms. On XX/XX/XXXX after inquiring with Citi, I received a letter that the bonus will be processed and credited. However, to date I have not received any bonus on my account.
I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report. 

I did not apply for a Chase credit card on XX/XX/XXXX. Please remove it from my XXXX credit report.
Please look into a.company called.Big Picture Loans. They offer payday or.nextday loans.They offer loans to.consumers for XXXX dollars.They don't.tell you in there letter.of over the phone that they charge750-800 % interest on that loan!!! They also claim.ammunity saying.they have tribal protection through the XXXX tribe. There 's 100 s of.1000, s of complaints and upset.consumers o et.these guys.How they can be in.business is beyond me.Please make sure another.consumer does not.get scammed you take a XXXX dollar loan and.pay back nearly 1800 dollars. Please help and investigate thank you. These guys should.stop.hiding.in.there.tribal law and.be.shutdown or loomed at regularly until there.business practices are decent
In early XXXX we received a statement showing a payoff amount and due date of XX/XX/18. Regions bank proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts. 
This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
M
We receive multiple calls each day for a debt that is not ours ; voice mail from XXXX XX/XX/2018 : Voicemail from ( XXXX ) XXXX " Hello this is XXXXXXXX XXXX XXXX we are debt collectors. Please call us at XXXX. Our office is open Monday through Thursday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time. Friday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXXXXXX XXXX to XXXXXXXX XXXX Central Standard Time. Thank you. ''
This company is routinely calling me threating to serve me a subpoena at my place of business and/or my residence. They are using a robotic voice and wo n't stop calling.
Equifax is continuing to report inaccurate information on my credit file. There are XXXX state tax liens that are satisfied and paid. XXXX # XXXX XXXX Co Court {$42000.00} # XXXX XXXX County Court for the amount of {$44000.00}. I have never owed these amount. Equifax is still showing a balance due on these state tax lien. 
According to FCRA 611 ( a ) if consumer reporting agency can not validate the information in their files or to furnish the source of their information, the credit reporting agency must deleted immediate from consumer file. After many attempts to get information from Equifax to provide me with their source I have yet to received anything. And although it shows a balance on accounts it also preventing me to buy a home for my family and also allow me to obtain a promotion form my job.
I have received my TransUnion credit report, on this report show a company XXXX, that show a last payment made on XXXX-2009 to this company, this is past the 7 years statue of limitations, which is the last time I had XXXX was in 2009. I have ask Transunion to remove the the item from my report due to it over 7 years past. I have sent letters and the credit bureau keep sending back has verified, will not tell me method of verification, and I know that the statue of limitations is 7 years from the last payment date, this should be removed. This is my complaint for Transunion credit bureau.