WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 TransUnion began showing an account in collections on my credit report ( per XXXX and XXXX XXXX ). This account {$65.00}, the collector, XXXX, and the original creditor, XXXX were not at all familiar to me. I called TransUnion and after great difficulty was able to speak to someone in my own language ( English ). The problem was resolved quickly but no explanation was ever given as to how this could happen or what precautions would be taken to prevent a recurrence. The U.S. based phone rep was very professional and very helpful. I promised her I would file a complaint on this issue because credit reporting agencies must be held accountable. Mistakes like this one can not be allowed.
I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( Equifaxs ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still Equifaxs not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this
Back in XXXX I received a collection call from my mortgage company that my payment was short. I was told my escrow account was short and I needed to make it up with an immediate payment of {$1700.00} and my payments were going to go up around {$900.00} a month. I asked them to explain the shortage and they claim to have sent an explanation back in XXXX of last year. I told them I received nothing but there must be an issue with the transfer when they bought my loan out from the previous company last XXXX. I also told them I made a payment myself of more than {$7000.00} to the XXXX County tax assessor to pay my HERO loan and to get the deduction for 2017. They also were trying to collect a missed payment they didn't receive from my last mortgage company ( Plaza Mortgage ) which has since been resolved. I was not happy and told them I would make the payments to keep my credit in good standing and they needed to send a statement proving I still owed this amount in unpaid escrow. I also have asked multiple times to stop my escrow account and they have refused claiming their policy does not allow it under certain conditions I haven't reached. I reminded them their conditions don '' t apply since I signed a contract with XXXXXXXX XXXX not them. XXXX 's contract did not forbid me from their conditions of 2 years and 80 % equity or better. I also sent them the receipt for the credit card payment I made and they told me a check for more than {$3000.00} and a statement has been mailed. I have yet to receive either even though I've been told multiple times on the phone and by email the proverbial check is in the mail! And they still refuse to cancel my impound account and I was briefly given poor credit rating on TransUnion credit bureau for their mistakes and poor accounting.
I had a credit freeze on my file and needed to thaw the report to refinance a PLUS loan. While the thaw worked refreezing my report has been an absolute nightmare. 

What could once be done in an online form in 5 minutes took an hour long phone call. I got routed to a call center in XXXX, stuck on the phone for nearly an hour, only to find out that they couldn't freeze the report because they " were working to give me the best possible experience. '' I was directed to download their app for my smartphone, which I've done. 

Here I am, over a month later, and I'm still not able to refreeze my report using their XXXX app, their web site, or calling them. If this is how these clowns are allowed to run something as important as credit reporting no wonder this happens so often. Considering how important credit is to Americans, this is unacceptable!
Our mortgage lender Wells Fargo has refused to work with us regarding modifying or refinancing our mortgage. We recently sent in a request for either a loan modification, refinance, or a principal reduction due to the fact that my husband has taken a pay cut with his company in order to retain his job and we wanted to take advantage of the all time low interest rates for a lower payment and not have a interest only payment but include some principal so it is getting paid down. We have been denied at every step with Wells Fargo and it has taken from XXXX to XXXX to get a refusal. Wells Fargo did completed a temporary loan modification with us on XX/XX/XXXX with a interest only loan for XXXX years and a lower interest rate but it steps up the interest rate each year until XX/XX/XXXX where the interest rate will cap at XXXX, then will re-adjust the payment to include principal and interest. We also have a balloon payment due of {$26000.00}, that was added to the mortgage for attorney fees, late fees, and other fees by Wells Fargo because of the modification and we are not quite sure when that balloon payment is due. We now currently owe {$520000.00} on our mortgage. They did lower the interest rate to reduce the payment but we think we are worse off now then before. The recent appraisal that Wells Fargo completed in XX/XX/XXXX the house appraised for {$440000.00}. We have contacted the XXXX XXXX Financial Counselor ) to help with trying to get Wells Fargo to work with us but they have not been able to achieve any results either. We have contacted other lenders to see if we could get our mortgage refinanced but because we are underwater they can not work with us. 
The reason Wells Fargo states that they can not do anything with out loan is because they only service the loan and can not contractual make any changes to it. The loan is owned by XXXX Bank and research shows that it belongs to Wells Fargo Bank.
Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was *correct* and should not be removed.
After graduating XXXX XXXX in XXXX 2017, I submitted a request for an income-driven repayment plan with my prior loan servicer ( XXXX ) which was approved with a payment of {$0.00}. When I began my residency in XX/XX/XXXX, I applied for PSLF as I would be working for a XXXX XXXX. I was accepted at that time but switched to a different loan servicer, XXXX. I then received notice that I would need to begin paying back loans on the standard repayment plan. After spending much time on the phone, I was told that I would need to reapply with the same form for an IDR plan again. Their explanation was that my prior servicer did not forward that information to them. Some time later, I receive notice that I was rejected for IDR plan since I did not supply my spouse 's income information. I do not have a spouse. Again, after another phone call during work hours in my XXXX XXXX, I was able to correct this information and get approved. I received an email confirming my enrollment in an IDR. However, this IDR would not go into place until at least 1 month after my grace period ended. Somehow, even after submitting my income information, I received a bill for over {$2000.00} to be paid one time before my IDR would begin. XXXX 's explanation is that their bills are made 28 days prior to due date. So, because of their error, I was forced use forbearance and capitalize my loans once again. I am actually calling XXXX right now to correct the type of IDR they have given me. This experience is not unique. At least 4 other residents in my program have had the exact same experience. It is unacceptable that it takes 6 months or more to correct this issue. Working people do not often have the luxury to make this many phone calls. I also believe more interest is accruing as a result of these practices and errors.
XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
RE : Report number XXXX, XXXX XXXX, 2016 Name IDs : XXXX, XXXX, XXXX My Experian Credit Reports not only an incorrect report of unpaid fees from a collection agency, XXXX XXXX XXXX XXXX, for a company named XXXX XXXX XXXX XXXX XXXX, but repeats this as over a half dozen unpaid fees. All of these fees had been paid at the time of service, as was strictly required and payment enforced before service performed, but due to the service provider 's sloppy record keeping, the business did not properly record the payments, while it 's fastidious policy of requiring payment on the spot insured non-payment would not happen. I am not only upset at their erroneous reporting, but their maliciously reporting their claim multiple times as if they were a multitude of credit incidents making their damage to my credit as though a multitude of creditors for their small ( approx. {$20.00} ), individual payment required at the time of each service. 

I refer specifically to their repetitive entries on my credit report : Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Not only are these maliciously reported multiply repeatedly to accumulate undue overstating and degrading of my credit, each and everyone are false reports of already paid fees which are improperly being claimed!
Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. 

This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. 

The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. 

I have worked through AES trying to get a response from XXXX   regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has  essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX  and requested follow up multiple times with no response from XXXX. 

This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.
Clarity Services inc. called my cell phone and my job and said I requested a payday loan. I spoke with them directly on XXXX/XXXX/16 and told them I never applied for this loan. I was notified by my credit monitoring service that I had a new credit inquiry on my report. I never applied nor authorized any from this company to run my credit.
I went to the Chase branch in XXXX in XXXX XXXX in Florida to sign up for XXXX credit cards. XXXX business credit card XXXX Chase XXXX XXXX XXXX and XXXX personal card XXXX Chase XXXX XXXX XXXX. Promotion said that in order to get XXXX points for the business card and XXXX points on the personal card I need to apply in the branch. So I did. 

I applied with the branch representative first for the business card and while she was typing in the data for the business application I was asking about the personal application too. She told me that as long as I apply in the branch, that I will get XXXX points offer. I asked how the process for that goes and she said that I can either wait for her to finish so she can take the second application or that I can start the application online and she will make sure it goes to the proper channels so I get the bonus. 

I got approved for the business card and got my XXXX points but I did not get XXXX points on my personal card. Explanation chase gave me about this ( 3 months later by the way ) is that my application although done in the branch was supposed to be initiated in the branch in a special way, something that the banker who took my card application did not do. 

I tried to talk to the Chase marketing department about this but they refused to honor the promotion. 

I have XXXX credit pulls at the same time on the same day done by Chase.
My wife and I had XXXX XXXX until we moved to a different house. Because of where we were moving to XXXX was not the best service for our new location so we canceled it. It took us a while to get settled into our new home and the equipment got put into a box that we didnt realize never got unpacked until quite a while later. When we came upon the equipment my wife called and spoke to someone and asked if we were being charged for it. They advised that an amount of {$770.00} was being charged for the 3 boxes that we had. She asked if we submitted them back if that amount would be taken off and we were assured that it would be. My wife got a XXXX XXXX XXXX XXXX XXXX return Reciept from the person she spoke with and went to the XXXX store the next day, which was XX/XX/17. The XXXX XXXX XXXX representative said to make sure that we kept the reciept and proof that it was sent back. Just recently I got a credit alert that there was a new debt in collections for {$770.00} through IC Systems on behalf of XXXX XXXX XXXX. I immmediately called XXXX XXXX XXXX and told them what happened provided them with the information from my reciept and the woman I spoke with said no problem she would submit a case and it would get taken care of. That was over two weeks ago and this collection is still on my account. I called back, spoke with a XXXX and she advised the case I had submitted was rejected because it was over the allowed timeline to submit the equipment and I would still be charged with it. I told her that no one had ever mentioned to us since the day we returned the equipment that we would be over a time limit to return it- and we were absolutely not informed that even if they received the equipment back we would still be charged. I explained all of this to XXXX, who basically said that I was told wrong information and there wasnt anything she could do. I find this very frustrating and ridiculous. As soon as we found our equipment we tried to make it right with XXXX XXXX XXXX and were told it would all be taken care of. Why go through the trouble of waiting in line at a XXXX store and hanging onto this paperwork for over a year if we werent going to have those charges removed? I would like XXXX XXXX XXXX to honor their word and remove the charges- since they can confirm they DO have the equipment we sent back to them and we were never told about this mysteries deadline until today when I was told my request was rejected.
XXXX XXXX / Navient never calls to notify primary account holder of past due or issues with payments and calls my parents 10-20 times a day to get them to pay. I have deferment ongoing and if it falls off or renewal forms are lost/not received they will aggressively attempt to get payments from parents and I never know there is an issue with my deferment or forbearance until I hear that my parents have exhausted their bank accounts to get them to stop harassing them. 

I have attempted to resolve this with the BBB and they continued their practice.
They are repeatedly calling me after a promise to pay has been communicated. They told me since I did n't authorize them to debt my account on the day agreed they would keep calling everyday.
I contacted the Clerk of Court in XXXX, La. to see if Transunion attempted to validate my complaint that my file indeed was filled with erroneous information. I was told by the officer of the court that they DO NOT validate bankruptcy information. So again Transunion say they have investigated and updated my files that they are reporting to be accurate, this ca n't be possible. Are they able to just lie and get away with that and steadily do harm to ones credit?
Hello my name is XXXX XXXX, and I have had an ongoing issue with Experian since XX/XX/XXXX. Experian has refused to remove incorrect information from my credit file with the exception of fraudulent inquiries. I have disputed this same information via fax, certified mail, and online and to my avail nothing has been done. There is currently an account that is duplicated. I just want my credit file to report accurately as I 'm trying to get things in order to purchase a home for my family and I. Attached you will find copies of my disputes and below is a list of the things that are currently incorrect. Duplicate Account XXXX XXXX XXXX Acct # XXXX Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Debt paid in full. Reporting a full balance of {$290.00} and late.
I refinanced my mortgage loan ( 1st lien HELOC ) with XXXX XXXX. XXXX was wired a payoff on XX/XX/XXXX. The payoff they received was good through XX/XX/XXXX so XXXX was paid the complete principal balance and more in interest than was due. Additionally, the new mortgage company sent a letter which I signed noting I wanted the account terminated. 

On XX/XX/XXXX XXXX drafted the regular monthly payment on my loan which was already fully paid off. This caused an overdraft charge on my checking account of {$36.00}. When I saw the payment draft on my account in a pending status I contacted XXXX and was told they could not cancel the ach payment and I would receive the amount I overpaid in 10 business days as they have to make sure the wire is good. I was told the ACH agreement I signed to have the monthly payment drafted noted that I need to cancel any future payments at least 3 business days in advance. I dug out the ACH agreement and this was a true statement from BSI. This wasn't noted on the payoff statement from XXXX. 

I called a second time a few days later and was told they have never received the signed termination letter and would need to send it a second time. I was also told that it would now be 14 business days before they would know if the ach payment was good. Additionally I was told they would charge me interest until they received the signed termination letter. I have a negative balance as they drafted a payment that wasn't due and they indicated they would charge me interest on a negative balance. 

I emailed a copy of the payoff statement which was signed by me on XX/XX/XXXX when the loan closed and a copy the new mortgage company created both indicating the HELOC needs to be terminated and the lien released. I've called and left a message to make sure they got the emails ( I did get an email delivery receipt ) but nobody has returned my call. 

I feel that XXXX XXXX is purposely ignoring my overpayment and extending the time it takes to refund the overpayment. I believe this is a violation of UDAAP.
Got debt collection notice in mail today from Portfolio Recovery Associates of XXXX VA. Notice was in Spanish.

Called XXXX XXXX XXXX  at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days.

Filed a complaint against Portfolio Recovery Associates with the State Attorney Generals office.

Called XXXX  to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did Portfolio Recovery Associates tie me to this debt, if a real debt it is. Did PRA invent the debt?

Contacted my lawyer XXXX XXXX  in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which Portfolio Recovery Associate received.

On XX/XX/2018, Portfolio Recovery Associates sent me another notice also in Spanish.

On XX/XX/2018Portfolio Recovery Associates responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt.

Portfolio Recovery Associates never responded to the fact that the debt was incurred via a XXXX credit card, which I do not have and, moreover, XXXX has no record of me owning one. XXXX  checked its records via my name and social security number.

Will send another certified letter demanding payment history, one from XXXX itself. ( Haven't sent as of XX/XX/2018 ).

Portfolio Recovery Associates has not provided anything beyond what it said appeared in the Sellers records.

Called Portfolio Associates at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX   indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted Portfolio Associates.

On XX/XX/2018 Portfolio Recovery Associates send copy of billing statement from a XXXX in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to XXXX   Credit Cards. I thought the debt was incurred via a XXXX   credit card. I also got the address of the person or persons who made the purchase. Portfolio Recovery Associates never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from Portfolio Recovery Associates a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers.

I just called my lawyer 's office.
I was paying debt directly to the company and they sent it off to a collection agency, but meanwhile I was still paying debt and then started paying to them and collection agency.. It is paid in full but it is still showing Charge off as bad debt Profit loss write off. When I made arrangements to pay the debt and they didn't remove it yet ...
An amount of {$310.00} was previously disputed in XXXX 2016 with XXXX. XXXX deleted the account from my credit report and stopped collections. I transferred my XXXX phone account to my wife 's account so there was no money due. I recently noticed a collection account was placed onto my credit bureau files without my knowledge and without every receiving a letter from the debt collector in order to give me ample time to dispute the validity of the debt. They just placed it onto my credit without first attempting to communicate with me via mail. It is affecting my credit report.