WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted disputes months ago regarding : XXXX - Tax Liens by Mississippi. 
I submitted the LETTER of PAYMENT ( s ) for all XXXX issued by Mississippi Dept. of Revenue to ALL XXXX bureaus. 
XXXX currently shows ALL Liens as RELEASED. 
Equifax still does not show them as released. 
When you try to do an online dispute it is almost impossible to complete. 
XXXX makes it very convenient to file disputes online. 
However, the 1st Question / information you must supply is a XXXX digit report number ... .. this number is not available.
I was shopping at Best Buy and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to BEST BUY. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
RE COMPLAINT # XXXX WF contacted me on Monday and today XX/XX/2018. Left a message calling for XXXX XXXX XXXX calling re modification request what was changed since last review.This is XXXX, call me at XXXX. 

I called this number twice and spent over 30 min in trying to reach XXXX as NO ONE knows who he is.The XXXX is the main number to WF with over 10 prompts as I have no dea where to go from here.Both messages refused to provide his contact info so I could reach him nor did anyone from WF attempt to assist me.

The first call I was told there a 2 cases as one is re MIP ins/and HUD discrepancy and other is from reentry dept. He transferred me and as soon as I was transferred I got the run around and no one knows who he is. 

This is an attempt to a '' DEAD END '' and to " buy time intentionally ''. WF has "  refused '' to assist me re my complaint. This is the type of games they play so I will just go away and how they continue to get away with treating me unfairly.Well Im not going away. How much time do I need to spend and am I required to run this person down by the name of XXXX? as apparently this was the attempt or he would have provided direct contact info ; so I dont have to be transferred from one dept to another. I have to verify my personal info repeatedly. Is this how a professional mortgage company do business? Is this the way customers should be treated? How do they continually get authority to treat customers like trash and brush them off is disturbing. 

I filed a complaint against HUD/as they will link me back to WF -complaint filed with the Dept of Justice and Attorney General as well.
From the onset the purchase with Toyota Financial Services, we were given bad service. We were invited to purchase a vehicle through their Bankruptcy Program for people who just filed. We were offered a a few vehicles that were not worth the amount money that they were asking for. We were also told that we were denied credit by all other lenders except for Toyota Financial Services, unfortunately, we received a few weeks later from XXXX XXXX stating that we were approved but we did not respond. So currently, after struggling with payments but attempting to pay them, I was finally able to pay in full an amount tom bring my account current. i made a payment on the TFS website and received the message that the payment was received. My husband called Toyota to confirm a few days later and was told that the we were all set and our next payment is due at the end of the month. On XXXX XXXX, 2016, I called Toyota because I noticed that called and was informed that they did not see the payment and it did not post and is still due. My husband was offered to pay our usual monthly amount ( about {$400.00} XXXX, but my husband insisted that they get to bottom of why the payment was not made. The manager was put on the phone and we were met with aggression and disrespect. She treated us as if we were playing a game and not trying to fix out account issue. So we hung up and called the bank who Toyota insists is the cause of this issue. When we returned the call to Toyota to get more information, we were placed on the repossession list and I was informed that it was effectively immediately. We requested for XXXX to XXXX hours to figure this problem out and fix it, but they refused and we are now losing our car when I clearly tried to make a payment. Their customer service, both at XXXX Toyota in XXXX and on the telephone at Toyota Financial Services, has been by some, aggressive, confrontational, and not a good representative of what a good car service should be.
This started in 2008, I had to close my XXXX due to the economy, I tried to get a modification on my own ended up having to hire a firm to get me a modification, supposedly they got it then after 2 years of making the modified payment I was contacted and told they were foreclosing on our home.The long and short of it I was told the servicer approved but the lender did not. I have a loan that is a Mortgage backed security serviced by Wells Fargo, the investor is XXXX.I have requested modifications on my Mortgage, because this loan is not affordable it is almost XXXX per month, it is not owned by XXXX or XXXX so I can not get into a HAMP. program. What about us 27 % of Americans that have loans that where sold off into these ridiculous type of loans that is not owned by XXXX or XXXX that has done everything possible to stay in our homes that are severely upside down? I have been forced into bankruptcy 2 times trying to save my home. Not only has it ruined my credit but makes me less qualified to get a new loan. The loan is not being reported to the credit agency because I was told the loan was not reaffirmed and that had to be done at the end of the bankruptcy, this was never told to me by my attorney and you can not go back and do this? I just do not understand why I can not get the help that everyone that had a XXXX or XXXX loan was able to get. I feel the discrimination. Why can there be no bail out or even reducing the rates on the upside down property. I am told I should walk away from my home, but it is my home. The bank will be hurt by this badly but they would prefer to take the loss then help a home owner keep there home, is there any sense in this? Had I not lived here 25 years then maybe it would make sense to walk away.
American Student Assistance unlawfully garnished my income tax return. I am not liable to any debts owed to American Student Assistance.
This is not a duplicate of XXXX. Please do not get this complaint confused. This is a new complaint. Please do not get this confused. The first complaint was mentioned XXXX XXXX XXXX XXXX which was wrong. This is regarding XXXX XXXX XXXX XXXX. 

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX XXXX XXXX car installment loan. On TransUnion reports dated XXXX XXXX, 2016, and XXXX XXXX, 2016, and XXXX XXXX, 2016, my XXXX, 2016, payment has been omitted. Also, XXXX of the officials stated that my low credit score would change after 3 months of payments on this car loan and it has not. It appears that TransUnion deliberately refused to reflect my timely payments to XXXX XXXX XXXX XXXX thus placing my account in the negative affecting my credit score. I have letters from XXXX XXXX XXXX XXXX stating that acknowledgement of my XXXX payment was sent to TransUnion on XXXX XXXX, 2016.
First, here is the description of events : In order to provide a current credit score to my company required to start work on a contracted project, I attempted to use Experian 's free credit report service. However, I kept encountering an " internal server error '' and even one time was greeted with their inability to verify my identity ; despite listing a full SSN, current address, phone number, birthdate and full name including middle initial.

The website provided a phone number to call per the error, but it only allowed for connection to information on how to do things online, and at no point could I simply ask for a representative. In order to reach a person, I ended up having to select the option that a minor 's information was being reported online. Even trying to select that I was having a fraud issue would not provide a human representative ( after three attempts to use phrases like " representative '', " operator '', " person '', " connect me to a human '', the computerized online system would just tell you goodbye and hang up on you ... making you REPEAT the process of providing PII through their system ( I entered or said all of my PII over and over again before I decided to see what other options might lead me to a real person ). 

Once I had reached a person, I explained to them upfront that I was not there to report an issue about the reporting of information related to a minor but was having technical issues with their site in attempting to get my free credit report. He transferred me to another representative who was willing to run my score over the phone, but she did not have the option to provide the information in an email back to me, only through physical mail. And if I wanted that report by Monday XX/XX/19, as my business requested I provide, it would cost {$20.00} to expedite. 

My Issues : I would like to state that the representatives I spoke with acted appropriately and were genuinely trying to help me. I have no fault with them. However, I do have concerns about the manner in which Experian is providing this free service that every American is legally allowed to receive once per year. 

First, if there is a technical issue, the phone number provided should allow you to speak with someone who can address the matter and then help you out. I had to resort to quasi-subterfuge simply to talk with a real person and not their limited automated response system. 

Second, the person I'm speaking with should be able to run my credit and send that report to me by email. I realize communication via email is not always easy due to security concerns but had I needed this report for a job or a place to live, this could have had a serious impact on my personally. 

Third, when advising of the reason for my escalated time frame, it should not be the burden of the consumer to pay for the company 's substandard website.
Hunter Warfield in XXXX XXXX has bought a rental contract from my old landlord. They harassing calls and reporting to all the credit bureaus monthly adding XXXX a day. I called them first to see who they were. I gave them my information and they told me that they will destroy my credit. I was let out of the lease because of a cr accident and unable to get a handicap accessible unit. And on XXXX I could no longer afford to live there. I left my security deposit because I was unable to do the mandatory cleaning that every apartment should do. The also said I filled the dumpster. All my furniture was taken with me. Damage to rugs. They were over five years old when I moved in. They are up to XXXX. In damage. And I had a walk through when I handed my keys in. Hunter Warfield has sent me letters to settle for half since it was a joint account. One man on the phone told me to hold a sign for money on the corner or make a relative pay it. Because of this I am unable to get a apartment I have to rent a room. They are destroying my life. They call twice a week. I should of had a day in court by the original creditor XXXX XXXX XXXX XXXX XXXX . Please help me, I do n't know where to turn.
I have notified Equifax several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never had a PO BOX . So the XXXX XXXX XXXX that is reporting on my credit file is not mine. This may have been open as a result of identity theft.
XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management. 
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.
I was alerted last year via email from Equifax that my personal information had been compromised in the breach and to fill out the form via email for the Equifax trustedid to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX XXXX  was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called XXXX XXXX XXXX and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by XXXX that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet Equifax and XXXX told me the account was verified. I asked XXXX/XXXX  for these supporting documents. After never receiving the documents that supported XXXX XXXX XXXX verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX  or XXXX. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX  or XXXX. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or XXXX. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or XXXX regarding this collection account. It had been over 100 days so i contact Equifax on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like Equifax that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.
On XXXX I booked a hotel stay through XXXX with my Synchrony Gap credit card for a XXXX trip scheduled XXXX in the amount of {$650.00}. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the XXXX Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since XXXX and would not reopen until early to mid-XXXX. Our trip was scheduled for XXXX thus it was clear we had been scammed. I then contacted Synchrony band Gap credit card and filed a dispute before the trip took place in addition to faxed them the evidence of the Freud/scam that had taken place so they could confirm the scam and received a credit back to my credit card on XXXX. Weeks later they took the money back out of our credit card account and sent me MY evidence that I had faxed them and they stated they did an investigation and this was the evidence they found and said that we would still be responsible for the {$650.00}. The evidence had my hand writing on it, so clearly they did not " find '' this evidence in their " investigation ''. I then called Synchrony Bank Gap credit card again and would get all the way to the dispute department at which point we would verify our account and then be told " the system is having issues '' then put on hold, only to be hung up on minutes later. This happened a total of FOUR times and has totaled the amount of 2.5 Hours of phone duration time. On my fourth time I asked the beginning customer service specialist to see what she thinks of the notes before transferring and she had her supervisor assist her and they found that the bank had already been reimbursed by XXXX charges and did not understand why Synchrony was trying to charge us again. Once she transferred me to disputes department I was then put on hold and hung up on AGAIN. I need assistance with Consumer protection. I understand we were victims of a scam but the bank is refusing to help us with this consumer Freud issue. I looked up this bank and there were XXXX complaints with the better business bureau with similar situations. We pay our accounts in full and on time EVERY month. I do not understand why they are choosing to treat good customers in a dishonest and illegal manner.
This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

To whom it may concern. 

I used to have an account with Wells Fargo. Back then I had a mortgage with Wells Fargo. Throughout my. Of time of being with Wells Fargo, I have filed multiple complaints with consumer financial protection bureau. I had contacted Wells Fargo number the times to assist me in my mortgage. However, over a. Of time nothing panned out to work for me with this mortgage company. Including done giving me a due date that my mortgage is due, telling me I had a Grace peroid 15 days later. That was another thing the grace. That was told was available to me, was all a lie as well. basically your mortgage payment was due on the day it was due with no grace peroid. 


Over time, I started to struggle more with this mortgage company. Because the grace. Was no such thing. This started to cause problems with my mortgage. If your payment wasn't received on the exact due date, they already consider you default it with your mortgage. Even though a grace period was offered. They never really honored their grace period. 

Wells Fargo, will start to say you are behind on your mortgage. That you already are in default. So if you try to pay them after the due date any ready considered you in default, they would not accept your payment. Even when you had your payment. And if you try to make a partial payment they still wouldn't take that either. 

Wells Fargo made my life a living XXXX. When I realized that I was going to still have problems with Wells Fargo, and there was no winning with them. I realize the best thing to do was to get rid of my house. I sold a house, thinking that was the best thing to do just to get rid of Wells Fargo. 

However, the nightmare still continues. Now that I relocated to another state completely, to start a new beginning with my family. I realize Wells Fargo still follows me into my present and future. When I try to apply for a loan or even get an apartment, I was told that Wells Fargo reported so many lates on my credit report and basically destroyed my credit report for me to get anything moving forward. I did try to reach out to Wells Fargo, as a goodwill adjustment, to remove any lates that I might have on my credit report or anything negative as well. Including XXXX removing any old accounts and to let them know this account is no longer active. So it will allow me to either get a loan or even an apartment. When I was speaking to the right, they said they would try to help me. Please also remember, in my credit report says my account is still active and they still report an old accounts.. 

after reviewing my credit report again, after the fact I went speak to Wells Fargo. Nothing was ever done on their end. Even though they said they would do it for me so I can get that loan on apartment that I needed.
I received a call at work from a company named Reliant Capital Solutions claiming to represent the Ohio Attorney General and asking me to verify my name and social security number for a past-due amount from the OH Att'y Gen. When I asked for verification they refused to state the nature of their business but supplied me with a number to a pre-recorded line claiming to be the Attorney General 's office, and  stated a full social security number over the phone that was inaccurate/false. The entire exchange reeked of fraudulence and should be investigated ; if indeed evidence of fraud is found, Reliant Capital Solutions should be prosecuted to the full extent of the law. 
The last 4 of the social security number are those provided by the company to me, NOT my social security number.
National credit systems. I paid XXXX dollars to them in XX/XX/2015 for XXXX XXXX XXXX. I have the receipts but they are still on my background checks. I have proof with a receipt it was received. When i went to contact the company on my own they keep saying they have been sold and sold and resold again so they cant locate my information. This is destroying my family and my trust in the government. Why was this not reported to my credit when i first made payment. And now national credit systems wants XXXX for something i paid in XX/XX/2015. This is ridiculous. Ive contacted them once before and they still want more money. Why pay more for something ive already paid.
My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.
XXXX XXXX XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.