WillisBack/dataset-financial-user-claim huggingface dataset:
Complaints : 1 ) Inadequate customer service - A collection company that has agreed to remove an item from my credit report failed to reflect so in its reply to the original dispute and Equifax asked me to file another dispute. If the collection company is misinforming Equifax and refusing to provide me documentation, then as a credit reporting agency that publishes information of one 's creditworthiness, the onus should be on Equifax to verify this information by directly contacting the collection agency rather than having the consumer file dispute after dispute. Another credit bureau XXXX directly contacted the collection agency and had the item removed. 

Attached is a document from original creditor stating that I am not responsible for the collection item ( Unfortunately the collection company refuses to provide me documentation that it has marked the item for removal ).
I have contacted the Experian to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears
My car in XXXX was Fanancial by ally they call me everyday and ask for money that I dont have my car was totally in XXXX I told them that I was not able to get pay and I had full coverage and gap insurance but they call and harassing me everyday.plus they have put the car loan on my credit twice.
I had my  XXXX   XXXX  accunt setup for auto pay using a credit card. I had my service for a number of year and recently switched to a different provider.  XXXX   XXXX  charge my credit card for early termination but I had not cancelled early at all. I disputed the charge but the credit card company has taken the side of the merchant and will not remove the charge from my account. I had provided  XXXX   XXXX  with a copy of the agreement bewteen myself and  XXXX   XXXX  that specifically shows that I was no longer under contract and should not have bee charges early terminatoon fees.     Apparently the credit card company does not protect the consumer it protect the merchant. I will never use autop pay again because of loss of control over my money.
This is one of 3 medical bills from XXXX of 2014, I had insurance the hospital sold my information to the collection agency I am asking 5e remove them from all three of the credit bureaus. The have sent collection letters, called, and threatened me with financial hardships if I do not pay.I am a XXXX XXXX VETERAN, WITH XXXX AND XXXX XXXX
Navient would not offer me any re-payment options that I can afford. As a result, I must work XXXX jobs, whilst trying to finish my XXXX, just so Navient are paid each month. i have called them several times to explain the extreme financial hardship they are putting me under but they have absolutely no concern for this whatsoever and do not offer me any alternatives.
Ten years ago I paid off a home equity line of credit with Bank of America. On XXXX XXXX, XXXX rec 'd a letter from them stating the loan was paid in full and satisfied and that there was no lien against the property so I was good to go. HOWEVER, I am currently scheduled to close on the sale of my house next Wednesday, XXXX and the title search in preparation for closing shows a LIEN on the property for the same line of credit referenced above. I have been calling Bank of America for over a week. Spent and documented at least 450 mins. Evidently it has been escalated somewhere but no one will tell me when/if I can get this satisfaction of payment recorded with the XXXX County Clerk which I NEED BY NEXT WEDNESDAY FOR MY CLOSING. Bank of America has the absolute worst customer service and automated telephone system Everyone pointing to everyone else. I have been hung up on, left on hold and been horribly treated when this is a blatant mistake on their part. 
I
I called XXXX and Equifax on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. XXXX refuse to help or remove anything. XXXX told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. Equifax let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with Equifax and XXXX. XXXX refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to XXXX as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.
I purchased a brand new car on XX/XX/2018 and financed through XXXX XXXX. The loan amount was {$26000.00} at a 12.24 % interest-rate. After reviewing my past two car payments I noticed that a majority of my payment is going to interest alone. 
A {$510.00} car payment split between interest of {$270.00} and {$230.00} going to the principal. When I contacted foursite they told me that there was an additional {$8.00} daily interest which comes out to about {$250.00} in interest added to my 12.24 %. I was never made aware of this. 

The whole reason I purchased the vehicle was to trade in another vehicle at a 25 % interest-rate for a lower interest. Foresight told me theres nothing I can do and Im stuck with the loan basically. They wouldnt even provide me information on where to complain about this issue.
Coast to coast has a negative remark on my credit report. I just paid off that account, via   XXXX   XXXX  . It was written off and sent to coast to coast, previously.. I am NOT paying the same bill twice. This account needs to be removed from my credit report. I can forward any proof necessary, as to show that the bill is paid off. On my credit report it shows it was opened in  XXXX  or sent to coast to coast,   XXXX   XXXX   actually informed me that this account was written off back in  XXXX  of   XXXX  . Coast to coast has it written on my credit report, that it 's been recently opened in  XXXX  of this year. That is false. I want this removed immediately, as it 's paid off. Or i will seek legal action. I am attempting to repair my credit report,  one bill at a time and this needs to disappear off my  credit report.   XXXX   XXXX   has reopened my trash removal service. I 've asked to have this negative remark, taken off my credit report, and they refuse to do so. It 's also really hard to get hold of a representative from the actual company COAST TO COAST. Any mail automatically goes to a   XXXX   XXXX    which tells me that this third party debt collection agency could be fraudulent.
I have received 3 phone calls from Diversified debt collectors, very crude verbally, said it was for XXXX XXXX XXXX, I have never had an account with XXXX XXXX XXXX, never received a bill or phone call from XXXX XXXX XXXX, I have never been late on any payments in XXXX years!, I  looked up Diversified on the internet, found many complaints, they have been reported to the XXXX many times
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX  (  XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  (  which is a violation of the law ).  XXXX    XXXX   XXXX   , CitiBank NA a nd  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.
I had multiple banking products with SunTrust ( Checking Account, HELOC, and a Credit Card ). I sold the house tied to the HELOC and the loan paid off. Upon pay of of my HELOC, I decided to switch banks. I then closed my checking account. As my credit card still had active transactions on it I left it open. As a customer, I was enrolled in paperless billing for all of my products. The only way to access bills and statements is via SunTrust 's online banking site. 

Upon closure of my checking account, my online access was removed and my entire online account was deleted. As such, I am unable to access my credit card statements. I have a bill due in 3 days and SunTrust is refusing to provide me with either a statement and also has failed to correct my online access.

After two phone calls and over an hour on the phone with SunTrust for each call, the representatives were unable to offer any help or restore my online access. I was told that the only way to obtain a statement before my payment was due was to drive to a branch and pick one up. Unfortunately, I have a job and can not just leave work at the whim of SunTrust to pickup a statement. 

I always pay my bills in full each month, however, I am unable to pay a bill that SunTrust can not provide.
First, I should not be charged the late fee, as I didnt know what I had to pay, since I had filed previous complaints with the CFPB and was waiting for them to be resolved.Please refund late fee and interest charged.

On the the interest, I logged on recently and noticed my rate is now 29 % ( apr I believe ). I think if anything, and according to the Obama Credit Card reform act, my rate, after paying more than the first six months off on time ( Im almost positive if not more than six ) should have gone down. I havent kept track so much but I doubt I had started with 29 % rate. So to sum up, please lower the rate based on the law I mention, and refund the interest and late fees. For XX/XX/XXXX for example, I was given a refund of both but never had a chance or knew what I should pay before Capital One considered it late.
XXXX XXXX XXXX / Pinnacle Credit Services , LLC is re-aging debt to the XXXX credit bureaus : XXXX, XXXX and XXXX. They are reporting the open date as XX/XX/XXXX. They refuse to send any documents validating the date they are reporting. I am including in this complaint, correspondence from the original creditor, XXXX XXXX, and the date the account became delinquent, which is XX/XX/XXXX. I am also including a bill from the creditor stating the date of services is XX/XX/XXXX. I am also including the pages from my credit report showing this company is reporting an inaccurate date and re-aging this debt, which is extremely illegal.
Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.
In XX/XX/XXXX I filed paperwork to be put on the cheapest repayment plan based on my income. Instead, they placed me back on the plan I was on. I have called multiple times and was told yes this was their error and it would be fixed. I had to resubmit paperwork twice. It is now XX/XX/XXXX, I spoke to them yesterday and they said they made another error and it will be XXXX before I can begin making payments. I am wanting to make payments to count towards the public student loan forgiveness. Almost {$1000.00} in interest has accumulated since their error in XXXX and they are refusing to refund me that amount. 

Also, in XX/XX/XXXX and XX/XX/XXXX I made 11 payments under the IBR repayment plan which would qualify for XXXX. After I submitted paperwork, I was told only 2 payments qualify.
I took out a mortgage for $ XXXX with XXXX in XXXX. I have made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the XXXX XXXX XXXX XXXX , XXXX tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX again tried to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX, another fake servicer called XXXX XXXX XXXX attempted to assign my deed of trust. ( Exhibit B ). They allegedly made XXXX XXXX XXXX, XXXX. the " Trustee '' but there is a clear conflict of interest and XXXX XXXX XXXX, XXXX. has denied any involvement in my loan. My deed of trust on p. 24 ( attached ) specifically states that only the LENDER can substitute the Trustee. To date I do not have any evidence who the " LENDER '' really is. In fact, none of these private debt collector companies are the LENDER.These companies including the Trustee XXXX XXXX XXXX, XXXX. have not sent my Attorney the requested documentation. ( See letter dated XXXX/XXXX/XXXX attached ). They have not given me an updated running balance of all payments made to date, which leads me to believe all this is fraud and would like for the CFPB to intervene.
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
I am a Citi XXXX user. On regular basis, I pay my dues and use the card for most of my transaction. For two simple reasons I use this card regularly. 1. I want to use one card, so that I can check my expenditure on regular basis. 2. cash back offer of the card. 
I paid in total XXXX ( XXXX ) last Monday ( XXXX/XXXX/16 ). 
I have a credit limit of XXXX. I had to pay some insurance bills, which is around XXXX. And earlier I had dues of XXXX. So I paid my dues as I do always & after paying, I wanted to pay my Health insurance bill and it was rejected. 
I tried to call, msg, email. But every time different answer. 
No one gives me proper solution. 
Now I received a reply where they are saying The payment of XXXX is on hold. There msg reply given below : " Our records show the hold on your payment will be removed from your account on XXXX/XXXX/2016. You should have access to these funds on XXXX/XXXX/2016. '' I would also like to add, today I have direct deposited ( Which I always do ) from my checking account XXXX. Now in all together my dues XXXX. But available balance still showing XXXX as earlier. 
They are not providing proper solution and I am stuck.
Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX. 

After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX  has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX  investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX. 

I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.
They have been notified that I receive student loans and they are trying to garnish my student loans.
I paid a bill to the creditor, XXXX on XXXX XXXX 2015 for the full amount of XXXX. 2-3 weeks later tri state adjustments called my wife, not me, on her cell phone asking for payment of this same debt. I called tri state back to advise that payment was made but the representative said collection would continue because i could not give him the check number at that moment ... .while I was driving. A few days later I called to advise the agency that check XXXX was sent and cashed by the creditor. I also advised that I called the creditor to confirm that there was no money owed to XXXX at which time I was told that there was no open balance showing at that time. Now I find that tri state adjustments has put the collection action on my credit report despite the fact that payment was made in full before any collection action was started by them. I again called the creditor to verify that there was no balance owed, which they confirmed. They also stated that they would advise Tri state that payment was made in full but they continue to verify the amount as due and payable. They obviously made no effort to verify the correct information withe XXXX or simply are looking to have me pay them to remove this inaccurate information from my credit report aka extortion.
I have a medical bill that I am paying for a my sons XXXX. ( I was n't aware of the bill until after I found out, from my own investigation that I even had a bill in collection ). I have requested XXXX via letter from the agency, Preferred XXXX, to please send me a bill, invoice, or something reflecting what amounts I currently owe. ( I have been paying every month {$50.00} to a company without any notice of a bill besides my voided checks as the only way to show proof of payments ). I finally received a call from a XXXX XXXX who was condescending and rude. He informed me that because I live in XXXX and no longer in XXXX, I will not be receiving a bill from Preferred XXXX, because they are not licensed in this state. All I want is SOMETHING, reflecting that I am making continuous " good-faith '' payments to an establishment. Is there legal recourse for me???
Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.
I have been in a constant battle with Navient-Private loan for years. Ive been paying on my loans for years and havent seen my principle Balance go down. They cant send me promissory notes of the loans I have with them. Interest rates are ridiculous and customer service XXXX. Theres something that has to be done. Theyre getting over on people. There are some people that do try to pay back their student loans based off income and Navient doesnt negotiate.
In response to Case number : XXXX, Northland stated than an alleged account was " opened on or about XXXX XXXX, XXXX. I beg to differ. For one, XXXX did not come into existence until XXXX, with the merger of XXXX and XXXX banks. In XXXX, I had accounts with a different financial institution, which has NO RELATIONSHIP whatsoever with XXXX.