WillisBack/dataset-financial-user-claim huggingface dataset:
I have made numerous attempts to unfreeze my Experian credit report. The other two agencies had no issues. My concern is that I am unable to unfreeze my report in Experian and there is no human to answer the phone. Experian provides and directs me numbers which I call. But, the options are minimal and are not consistent with my issue. In addition, there is no way to reach a human. I have called, emailed, gone online, etc. Experian has made no attempt to reach out to me to assist. This is adversely impacting my ability to obtain financing for a home I would like to purchase and I may lose out on it and certain rates, etc because of this. In addition, how can a company that holds so much power over somebody's credit not have a human being available to assist with any issues?? This should be illegal. Can you please help me? Thank you so much.
Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.
l was foreclosed without any notice from the trustee or lender. Since l was working with a real estate agent who was to work with bank on my loan. Instead he sold it to his investor friend under the table.The broker knew people at the bank in XXXX XXXX where Citi residential was before they closed down.. Closing of Citi residential, my loan was transferred to Citi mortgage since both are part of Citigroup. l have asked Citi mortgage to send me my loan docs. Customer service agents would be so confused when they would look up my account some agents managed to give me information who had called for the serviced released matters and acting as a agent for me .which was the broker agent .Every time l called information would change it seemed like the account was monitored .Citi mortgage still have not provided me the loan docs l got my payment history which indicates my loan was still with them the last transaction was dated XX/XX/2009 but foreclose was on XXXX/XXXX/2009, The loan was transferred to XXXX then XXXX now XXXX they also did not have my loan in their system. Months and years trying to get docs and facts l have also got CFPB involved to get answers to my answers am still waiting for results, its still in process with CFPB. l was denied by foreclose review according to rust consultants the denial was from the bank it did n't make any sense. They could n't tell me more. l meet all the forecloser qualifications. lam still waiting for help. l wanted to bring this issue up with your dept. to help me and my boys we have been displaced, fraud out of our home by greed. The buyer of the property took out a XXXX XXXX did the loan with improper documentation. Then here we are can not pay rent, cant even get justice no money
During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX XXXX they denial my claim for hurricane issues.
On XXXX XXXX, 2015 I deposited {$200.00} into the Fifth Third Bank ATM on XXXX XXXX XXXX XXXX, in XXXX, NC XXXX. During my deposit the ATM shut down while taking my money. I immediately went into the bank and explained what had occurred to the bank manager. The manager stated that the bank would give me a provisional credit in the amount of the deposit, which they did within the next business day. However, on XXXX XXXX, 2015 I checked my balance and found that the bank had debited back out the same amount. I called the Dispute Resolution Team at XXXX and was told that someone would give me a call. I received a call from the Dispute Resolution Team Member ( XXXX ) on XXXX XXXX. He stated they would view the video tape from the ATM during the time I made the deposit, and if it was observed that I was making a deposit into the ATM, then I would be again credited money back into my account. He stated I would receive a call back within XXXX hours, which would have been today, XXXX XXXX. I still have not received a return call.
I would like to file a complaint against Navient for harassing me. I have repeatedly tried to lower my payments with no help so I pay whenever I can and it has not even been a month ( last payment was XXXX XXXX XXXX XXXX since my last payment yet I am still getting up to 8 calls and 2 emails a day.
My name is XXXX XXXX, DOB XXXX. I received the letter from NationStar saying that they are accepting their errors about the missing payments and foreclosing the home ( see attach letter ). Even though, NationStar admitting their fault about foreclosing the property ; however, the foreclosure process is still active -- it has not been cancelled out the foreclosure proceedings -- the property is STILL in FORECLOSURE but put on hold. This is very frustrating for me since I am making all my payments ( from XX/XX/XXXX thru XXXX ) and foreclosure proceeding has not been cancelled. This is totally illegal and violating state and federal laws.
Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.
My interest rate was increased without notice to 26 %, and I have had my auto pay set to pay whatever the minimum balance is each month, the idea was to help build my credit. After 6 months, I notice that I have been getting hit in $ XXXX interest charges, some months I was charged XXXX $ in just interest. When I called the Company today to find out why, they said I needed to pay the entire statement balance in order to stop the massive interest charges. Gave no reason as to why my rate changed and then the rep tried to tell me everyone 's rate is the same, then would n't explain why the minimum payment that their system sets, is n't really what I need to be paying or why they couldnt notify me about it. I have no late payment history with these people yet they told me they can not change my interest rate or work with me on getting this paid off.
I 'm requesting information about my loan to the bank and they do n't want give it to me.
The collection agency, CRS ( aka Debt Management Inc. ) was sent a letter invoking FDCPA and told not to call my number and only contact me in writing. That note was sent on XXXX XXXX and, according to the representative I spoke to, received on XXXX XXXX. However, they contacted me AGAIN TWICE on XXXX XXXX.
I had my husband call as my representative and the gentleman named XXXX XXXX was extremely rude. He could not get a word in edge wise.
On XXXX XXXX, XXXX I received notification that my mortgage account reflected a late payment. I send documentation to the company via their website showing my bank statement reflecting on time payments for the period in question. Thinking this was an error or oversight of some kind, I was n't overly concerned. That was until I received the second notification on XXXX XXXX, XXXX claiming the account was delinquent by three months and I owed nearly {$2900.00}. This was accompanied by a transaction activity sheet listing these increases as a result of an interest rate increase. The first increase was from {$930.00} to {$970.00} for the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and then rising again to {$1000.00} on XXXX/XXXX/XXXX to current. Since I was unable to reach anyone over the weekend, I decided to research the company that holds my mortgage. What I discovered was quite disturbing. Claim after claim about how Nationstar had taken over a great many loans under the XXXX program and had been either adjusting escrow amounts or increasing interest rates but not informing customers as to reflect delinquent accounts and position themselves for foreclosing on these loans. 

When I was able to reach Nationstar on Monday, XXXX XXXX, XXXX I spent three hours on the phone being transferred back and forth to various departments. The first person I spoke with told me that the interest rate on my loan increased in XXXX of XXXX. When asked how they informed me of this change, she said her records indicated that a letter was sent on XXXX XXXX. I received no such letter. My monthly statements never reflected a short fall in my monthly payments either. Then she told me that my interest rate increased again in XXXX of XXXX She said XXXX letter was issued in XXXX of XXXX informing me of the increase. Again, no such letter was received and my monthly statements did not reflect a deficient payment. I received no such letter. My monthly statements never reflected a short fall in my monthly payments either. 

It seems that they did raise the rates, however I was never informed of these increases. At matter now, is that no one can tell me accurately how much I need to pay to bring the account current. Of the XXXX people I spoke to XXXX indicated {$140.00}, another {$180.00}, and another {$910.00}. I have requested that they send me a bill and documentation that will show me how much is owed and where it will be applied. They assured me they would send me an email in XXXX48 hours. It is now XXXX XXXX, XXXX and I have received no written correspondence from Nationstar. I desperately need your help to get a clear and honest answer about what is owed. This is my home and this mortgage company is behaving like a predatory lender hoping that the longer they delay the closer they get to a foreclosure process. I have lived in my home for 25 years, and I have never made a late payment, not once. I am shocked, appalled and frankly terrified that this is happening and I am seemingly vulnerable to their practices.
Within the past week some Wells Fargo employee ( s )  submitted an application for a credit card without my prior knowledge or authorization, and it was declined. My XXXX   scores were XXXX - Very Good, XXXX - Very Good ( XXXX ), and XXXX - Good. Now, my XXXX scores are in the low 600s.
I have been receiving harassing phone calls for the past year from a company called Portfolio Recovery. I have told them that they have the wrong person, and I have never been in debt for the past 60 years. They keep calling and me several times every day and it has disrupted my life. They just wo n't stop calling no matter what I tell them. Please can you do something about this. 
Thank You
I have been a customer of CapitalOne for roughly 10 years. With 3 credit cards and 2 banks accounts. I have also had a card loan with them. 

This week I randomly received a notice that my second oldest Credit Card was being restricted and cancelled due to lack of activity within 90 days. This was my emergency card so I never used it but kept it just in case. 

There are two problems : 1. The minor problem is that CapitalOne never notified me nor gave me any warning that my card was in danger of being closed if I did n't use the credit line. I exclusively use Credit Cards for all purchases possible, therefore, I would have used it if I had known, but I had no warning. 

2. The Major problem is that this being my second oldest card, and CapitalOne forcing me to close the account against my will without giving me a chance to use the card has directly and NEGATIVELY impacted my Credit Score. 
a. This will lower my Average Credit Age. 
b. This will lower my overall credit line across all my cards. 
c. This will raise the percentage of credit used to credit limit ratio used across my cards. 

All three factors are going to negatively impact my credit score, which is ludicrous because I have spent the last 10 years being a responsible creditor and building my credit score up. 

This will directly impact my ability to get the best interest rates on loans and I have been waiting and patiently savings to a buy a new car next month. I 've had a car loan with CapitalOne in the past, and guess who I was planning to use this time around? CapitalOne has never does something for me to complain about like this. 

Then CapitalOne stated that I could simply open another account with them. However, this would just hurt my Credit Score even more as : a. It will lower my Average Credit Age even further. 
b. It will add a hard credit check on my record for the next 2 years. 

I have been good customer with CapitalOne and have never had any issues or complaints until now. 

Additionally, CapitalOne supervisors claimed that they have no one in the company that understands Credit Scores. They only report to the credit bureaus but are unaware of how Credit Scores work. This should of course be very concerning to all current and potential clients of CapitalOne as they are a bank, credit card and loan company.
CapitalOne needs to : 1. Hire someone that  understands how Credit Scores work.
2. Realize that their actions can negatively impact their client 's Credit Scores and make fair decisions accordingly.
3. Notify clients that their accounts are in danger of being closed if not utilized BEFORE closing the account.
4. Have a direct procedure for reversing account closures as I have had several calls with CapitalOne now and they state that it is impossible to reverse the account closure or let me talk to someone who can help me. 

I am still reaching out to CapitalOne but as it stands my credit score will be negatively impacted and not because I messed up but because I decided to be a CapitalOne customer.
The collections company : National Credit Systems , Inc. ( NCSI ) has been attempting to collect a debt from me since XX/XX/2015. I didn't feel obligated to pay the debt because I was living in an Apartment Complex where the maintenance and office staff were harassing me and my roommate by " XXXX us with odors '' that made us feel noxious and sick and made it hard for me to sleep at night, which made it hard to go to work the next day and hard to go to work the next day. The Apartment Complex is called XXXX XXXX, in XXXX AZ, and the it was apt XXXX   that I left w/out paying to break the lease. Me & my roommate kept calling police, fire dept., and even hired a private investigator to try and find out who was " XXXX us '' and how they were doing it. We concluded that it was an inside job, because when it first started and we had the manager come over to smell the odor, she said of course, that she could not, and the same w/the maintenance staff so we were unable to say that the apartment was uninhabitable to break the lease. We ended up having to go through the AZ Tenant Association ( ATA ) and followed XXXX XXXX advice to not break the lease and not have any contact w/the collections agency. After a year of doing this, I tired of the phone calls from everywhere at all hours, and I ended up calling them and attempted to dispute that we owed any money since we were the ones that were harassed by odors being pumped into our apartment, making it inhabitable. If there were no odors or ( harassment ), we wouldn't have left. NCSI stated they investigated but they didn't find any evidence to validate our claims. I didn't set up a payment plan w/them or call them after this, however, the horror story of being harassed by odors being pumped into any place we have rented since leaving XXXX XXXX XXXX XXXX has been ongoing, and we believe it is now being done by the collectors that work for the agency. I have moved every year since leaving XXXX XXXX XXXX XXXX to find a place that is safe where the odors will not happen to us, not because I enjoy spending the money it has cost me to move, even paying to break leases, in an attempt to escape the harassment as the odors inevitably start again in about XXXX mos. every time I have moved in to a new place. I have moved XXXX times in the XXXX years since leaving XXXX. I am not living in a house I rented thinking I could escape being harassed if I didn't rent an apartment, townhome or condo which are more closely spaced together and often times share the same ventilation systems, making it easier to have access to, but I'm still being XXXX by smells here! This has got to stop, please help me with this ongoing harassment.
It sure would be nice if someone would finally help m for a change. It is obvious that JP Morgan Chase does not give a XXXX about their customers and leaving people homeless. I have written previously and WILL CONTINUE TO REPORT JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well XXXX, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
I opened an AmEx account in XXXX XXXX. AmEx requested I submit to a financial review and submit documents prior to a certain date in XXXX. Several days before that deadline, AmEx closed my account with the reason being I did not provide the requested documents. In the meantime, I earned Membership Rewards points for meeting a spending threshold and for the purchases I made while using my account. I paid my account in full, and I currently have a credit balance. I previously filed a complaint stating that AmEx did not make the MR points available. They responded that they would be available after my next statement closed, which was over a month ago. Despite this, the points have still not been made available. When I attempt to transfer to a MR partner, I receive a message indicating I have no points or cards enrolled in MR .
Trying to use   XXXX   XXXX   and the amount of money in my bank account does n't accurately show. I bank thought capital  one 360 ch ecking
Regarding CFPB Complaint # XXXX : On XXXX XXXX, 2017, Citibank stated that it would contact the major consumer reporting agencies to request the removal of any data related to my consumer Home Depot account from my credit history. I accepted this resolution and the dispute was closed. 

However, on XXXX XXXX, 2017, I received XXXX letters from Citibank ( see attached documents ). XXXX of them acknowledging the agreement and the second XXXX retracting it.
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Company left voice messages about an undisclosed " matter '' requiring attention on my home and cell phone. After returning their calls, the company refused to mail any information about the matter or even provide their company mailing address so that I could write to them. They claimed to need to verify my personal information ( last XXXX of SS and birth date ) before they could do anything. Total SCAM!
I notified Experian by faxing them a copy of some inquires that is on my credit report that I asked them to dispute and they only sent me a letter stating the reason the inquires are listed on my credit report. I tried to contract Experian numerous of times only to be told that my account is handled by a special agent department that I can never get ahold of anyone due to long hold time then by the time I do get a hold of someone I 'm told that they can not dispute inquiries. 


XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XX/XX/XXXXThese are in inquries are needed to be disputed and deleted off of my credit report and I need Experian to assist this matter.
XXXX XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.