WillisBack/dataset-financial-user-claim huggingface dataset:
Experian continues to report and retain incorrect, non-compliant data. 

My latest credit report, dated XX/XX/XXXX, indicates : Residences deleted - all three addresses, including an address in another state in which I've never lived is still reporting on my XX/XX/XXXX report. What residence was deleted? Apparently none. This is erroneous reporting! The only address they are required by law to report is my current address which proof has been sent. The other two addresses are not mine, especially the New York address they continue reporting. 

The alleged XXXX XXXX account has many compliance issues. Per FCRA and Metro 2 must be deleted if not compliant. Experian " verified '' erroneous data. High balance and credit limit are different. Alleged chargeoff can not have balance yet they're reporting one as of XX/XX/XXXX but have 5 charge offs beginning XX/XX/XXXX. They're reporting two consecutive months of " 30 days late '' but there are only 30 days in a month. 

Alleged XXXX XXXX - I do not have XXXX! 

XXXX XXXX XXXX is an absolute joke. They keep sending me " proof '' with statements bearing a New York address. I don't, nor EVER have, lived in New York! I WILL NOT send them my ID, SS card nor identifying info as requested. 

Alleged XXXX account has a high balance greater than credit limit. If OK XX/XX/XXXX how can report 90 days late in XX/XX/XXXX. A month consists of 30 ( 31 days ), how can 3 consecutive months be 60 days late? They are reporting 3 non consecutive charged off months. Impossible! 

Alleged XXXX XXXX account reporting 2 consecutive months 60 days late and 4 consecutive months of 90 days late. Impossible! 

Alleged XXXX account has high balance greater than balance, 4 consecutive months 60 days late and 2 charged off months. IMPOSSIBLE. 

Alleged XXXX XXXX account has 10 months of no data then boom a charge off. Really? 

Alleged XXXX high balance greater than credit limit. Charged off 11 times. Can they not make their mind up?
Equifax can not resolve my log in issue. I have been on phone with them 8 times to resolve. I tried purchasing my score on XX/XX/2018. was not able to process. I called later that evening and was told I needed to purchase the XXXX plan. I did so but it was not processed because I could not log in. The gentleman sent me a new user ID and temporary password and that did not work. he said he was sending a complaint to the IT department and for me to try and log in in a couple of hours. After this I did an online dispute with a Lady on issues I had with my free report I received early that day. followed up next morning. its still not working, called on phone and was send another temporary password, it did not work. was sent another and did not work while I was phone with person. Called back later that day and spent 2 hours  on phone being transferred back and forth with no help. was Finally told by XXXX that reason I could not access my account was that XXXX service was not processed. Said I had to do the XXXX monthly service to get to my account. I did with reservation trying to explain that it would not fix log in problem. she sent new temporary password again twice and it did not work as it has not before. at this point I was transferred around again to several people before I reached XXXX. after several attempts he was supposed to send in a request to IT to have it look at. was told it could take up to several days. Equifax holds my life in their hands with my credit report. on XX/XX/2018 I received an email with new temporary password. XXXX, same result. it did not work. I called to check the status of my disputes and was told they are all still pending, yet I have received confirmation that several have been resolved. I do not know where else to turn. every time I call I get the same thick accented mild easterners that I have a hard time understanding doing the same robotic responses each time. they will not transfer to a supervisor or to a department that can help. Sad that our countries citizens Finacial wellbeing is in the hands of 3 companies that source out there departments and don't care.
This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
I want an immediate credit freeze from Equifax, ( and the other two companion credit bureas ) due to Equifax 's data breach, but they want to charge me for it unless I can PROVE I am a victim. Equifax is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! Equifax SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION. 

" XXXX-based Equifax, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. Equifax discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX
I was trying to submit a credit report request for my boys, who are 7, since I received a mailer from XXXX with both of their names on it. Tried to use Experian 's Online Request form, but the system would not take any of my online documents, even after redoing them to the specs they requested ( PDF or TIFF and no color documents ). Unfortunately, the automated system did n't give me an option to address this. I 'm not comfortable sending this documentation in the mail since it would contain ALL the necessary information to create accounts in both my kids ' names and mine as well since it requires me to submit a copy of my Gov't ID and utility bill. Is there a more secure way of quickly doing this? XXXX had the most efficient way of submitting a request and ca n't understand why all three do n't have this.
Bank of America has seized money from a Guardianship checking account under a fraud claim and will not release them. 
This is an account monitored by the Probate Court in XXXX, SC. BOA seized the funds out of this account back in XXXX 2017, and told me it was under fraud investigation. I have been to the bank multiple times to get information as to what is needed to release the funds back to me, but I have not been given any information. I made repeated trips to the bank and spoke with the branch manager and he made phone calls to the BOA legal department all during the month of XXXX, and the only response given is that it is under investigation. 

I had a phone conversation at bank of America to the Fraud department on XX/XX/XXXX, and did a follow up Email in regards to my account which is under fraud investigation. I understand that the funds of {$18000.00} are still held in the HOLD HARMLESS account by Bank Of America. I also understand that the fraud case is still open and someone is investigating the account. Also I understand that this person has the 18 pages of documents that I provided Bank Of America months ago that explain in detail from the Probate court that the account was a legitimate account.

I have asked Bank of America to provide any details of what they need from me or the Probate court to release the funds ASAP. At this point the funds are needed for my mother 's assisted living care. Also I need to provide the court with information as to why I do n't have access to the funds at this point, and what is being done to get them back.
Account with US Ban k Visa card.I canc elled the card and paid the balance due.   After the account was canceled, they accepted a charge on the card from a high school reunion site I had visited in the past.I called and complained to US Bank, but they were no  help.The total charge was only {$15.00} ; since US Bank was no help I just paid the $  XXXX .Now they are sending me bills for late fees every month for a bill that they accepted on a cancelled credit card and that was even paid because they were no help.I have contacted the company numerous times in the past few months-with NO help from them.My cur rent bill from them says I owe {$36.00} ( due  XXXX   XXXX  ) in late  fees.HELP.This same company tried charging me on car loan that was paid off earlier this year.Please help.This is the most unethical bank I have ever dealt with, and I am not a young guy.
FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it.
Several months ago, XXXX ended its relationship with XXXX XXXX and transferred all accounts to Barclays. The transition was handled incredibly poorly. I always paid my balance in full and monitored activity online, but because all records of my transactions disappeared from the XXXX web portal, I was unable to check my balance and did not agree with the balance that Barclays was showing and do not believe they applied the last payment that I made to XXXX XXXX. I have been on the phone with both companies several times in an effort to resolve this, but 3 months later have been unable to do so. In the meantime, I am not willing to pay Barclays the extra amount -- over {$1200.00} -- that they believe that I owe and which I believe was paid and the account has accumulated late fees and interest penalties.
I would like to request an investigation into the practices of Ad aAstra. I have repeatedly asked them to remove their account from my credit report as it is not valid an they simply refuse and are putting me through loops. I do not require any further action against this account that has been placed against me for years. It is amazing to me how they continue to deny deny deny ever harassing me via telephone, they are refusing to acknowledge my dispute of these accounts fro the past XXXX months, they are refusing to accept the fact that I am aware that they break laws that affect consumers ' lives and they do not care! I am not going to go forth with any more communication with this company. I have files every necessary document and I have forwarded everything through the XXXX credit reporting burrows asking them to forwards my findings and my dispute to this company. I have also filed a dispute via fax and mail with Ad Astra and have NEVER heard back from them after they kept verifying the inaccurate an fraudulent accounts to me over and over again and never ever telling any of the bureaus why, how and when these were verified or how they were accurate. I do not understand how and why they continue to make me relive this nightmare and this horrible account under my name. I am a new graduate I am trying to get my life back together and I have run out of options and this company is trying to shut me up shut me down and push me into a corner over an account that was never opened by me. I have to start my life and they are holding me back. I have been denied credit cards from XXXX, XXXX and a car loan because of this collection! I am so appalled at their practices and I will absolute take this case as far as I can go. I am certain I am not the only XXXX in this situation. And please DO NOT deny the fact that you use robotic machines to leave message after I refused to pick up your phone calls. You are certainly guilty of that and in my state, of California, that is not something you are allowed to do. And thank XXXX for this website an their twitter account, or else how would i know!?
University XXXX, XXXX CTI have a private loan with American Education Services. 
There is a discrepancy with the interest I was charged and my outstanding balance. 
I will upload any documentation necessary for an assessment of this situation. 
Thanks
Modification denial back in  XXXX     2017  by  Seterus w e appealed the denial on  XXXX / XXXX / 17  then the lender switched servicers to   XXXX   mid appeal period.      XXXX   would have to honor that appeal period but new servicer claims they does not have a welcome email or new Loan number for borrower. All Seterus can say is that they transferred them to   XXXX   XXXX  .      Per Foreclosure attorney for Seterus, they are still moving fwd with the foreclosure and are also representing new servicer in this foreclosure. Did make them aware of the situation in wrongful foreclosure.     Both lenders are unable to give any information.
I opened an account with USAA on XX/XX/XXXX. A transfered was completed from my existing account with XXXX XXXX XXXX to USAA. Then I completed the online documents provided by USAA. <P/>A call was made to USAA on XX/XX/XXXX because the account reflected a " hold '' until XX/XX/XXXX. The customer service representatives could n't tell me why there was a hold. All they would said is the account is under view. However, no one has been assigned to review the account yet. So I was advised to call back next week. <P/>How can this institution agree to open a new, acceptance funds from another bank, and then place a hold on those funds without any real explaination until XX/XX/XXXX?
I email this company with a settlement offer, they accepted gave me a due date, but would not email me a copy of the offer. I told them that the other charges from the apartment was not valid and not my responsibility, I have pictures to prove the carpet was not damaged, the carpet had a odor and roaches noticed after I moved in, did not notice the first day because they had the air conditioning on, which was odd, since it was vacant. The same apartment which is now out of business has done this to many tenants based upon their previous reviews and complaints with the BBB. They also said that I did not leave a deposit, I left a deposit and a pet deposit. I was told that I signed a lease that said I did not pay a deposit, that had to be the renewal, because unless altered the first lease showed the deposits. The Company has done a lot of illegal things. Maybe the reason no longer in business. They are asking me for {$820.00} after giving proper notice and paying {$950.00}.
I already have an OPEN complaint  XXXX  I have finally established the previous  XXXX  that was 'lost/held in limbo ' was due to an routing number error. Not my fault as I used the same mobile payment system as before. Anyway I s ince posted 3 payments in various amounts to check CITI 's payment processing system. So one p ayment for {$23.00} posted within a day of submitting - payment o f   XXXX   XXXX   posted  XX/XX/XXXX  is  as of today was still being HELD. After a lengthy phone call  to 2 ag ents I was informed it should clear by th e  XX/XX/XXXX .  Thats is absolutely ridiculous. Another  XXXX  posted   XX/XX/XXXX  apparently will clear  XX/XX/XXXX .  I do not understand why my card payments are not posted instantly and reflect in my available credit right away. I can understand  a 24hr  wait but days almost weeks is not acceptable.   I have asked them to call  XXXX  and release the  XXXX  ASAP which they are doing as I type. I am in  a 3 w ay call with my ban k and Citi and I am fumin g why if  XXXX  cleared my bank on th e  XX/XX/XXXX    Citi are  not posting it to my avail. credit. They assure me it wi ll ASAP . However why do I have to go through this process.. all because they say a payment was returned - it was n't returned  by my bank CITI returned it. I have now linked another bank just to see if that pr ocesses quicker but apparently not. I just want to establish how to CLEAR whatever issues they have so I can post my payments in future and they are debited against my card and credit within a reasonable time frame, preferably instantly. ( as did the {$23.00} I paid with the same bank and same mobile app ) THANK YOU
There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. 
The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments.
On XX/XX/2019 I receive a letter from Portfolio Recovery Associates, LLC alleging that I owe them a debt for {$6200.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( PRA ) LLC any amount please show agreement that I owe. ( PRA ) LLC receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.
I have 40 years of a perfect credit history. I have leased and financed cars for 25 years and I have never had such a horrible and dishonest experience as recently had with US bank. I obtained a 3 year auto lease from US bank in 2013. Upon turn in of the vehicle I was assessed a {$3500.00} excess wear and tear fee. The fee was assessed after some 'independent ' inspector mailed me XXXX grainy black and white photos of a vehicle. I am still not certain the photos were even the vehicle I turned in. XXXX of the major items was that the inspector noted that the tire tread was low. However, the tires were XXXX brand new XXXX with less than XXXX miles on them. The tires were a far more durable and long lasting version than the original tires that came with the vehicle. The 'inspector ' also noted the engine was in 'fair ' condition even though the vehicle was regularly serviced at the dealership and under the program they recommended. The car was 'babied ' and taken care of perfectly. All other inspection items noted were non existent and disputed.
On XX/XX/XXXX, I called Citi to either cancel or product transfer my Citi Thank You Premiere credit card before the annual fee recurred in XX/XX/XXXX, due to no longer using the card. After speaking with the customer service representative, I decided to do a product transfer to the Citi Dividend Card, which does not have an annual fee. I was told that the product transfer would go into effect on XX/XX/XXXX. I asked why it took so long, and was told that was " standard procedure ''. I expressed concern that I would be charged the annual fee on the CTYP, as avoiding this fee was my primary motivation, and I would cancel the card entirely rather than product transfer if the fee were to be in effect due to the significant delay of the product transfer. I was assured by the customer service representative that no annual fee would be applied for the CTYP, and that I would receive my new Dividend card in the mail. When I asked for that in writing, he said he would make a note on my account. 


I was in fact charged the {$95.00} annual fee on XX/XX/XXXX. I did not notice this, since I had no activity on this card, until my automatic payment went through from my bank a month later. I was surprised to see a payment to this card, as I had no spend activity on this card in several months. I investigated to find this fee had been charged fraudulently, in direct contradiction to the guarantee I was made by Citi 's customer support team. I would have cancelled the card entirely had they been honest about the fee being charged. 


After an hour and five minutes on hold with their customer service, I spent 25 minutes explaining and re-explaining the situation to the customer service representative while he asked if I wanted to do other product transfers or cancel the account. I explained I wanted the planned product transfer to go through and the annual fee to be refunded. He first told me that the refund of the AF had already processed, but then when I pressed him, came back and said that it had not, just that my payment for that statement had gone through. After several more times of them avoiding the statement, he said a refund of the annual fee had been processed and I would receive an email to that effect within 24 hours. I told him I needed that confirmation in writing before the end of the call, or I would submit this complaint. Since I was charged the annual fee despite being told my a customer service representative that I would not be, I am assuming I will never get this email confirming that I will get the refund, much less get the actual refund.