WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.
Hello, I have been contacting this company for well over a month and spoken to numerous representatives and managers to resolve the debt. Everyone lies and transfers calls. 

Since XX/XX/XXXX, I have faxed, called, and emailed over 30 times getting the runaround, hung up on, misinformation, confusion, and incompetent stall tactics. I spoke with a manager XXXX handling XXXX accounts who assured me that since I lived in the state of New York, I had to email a statement saying I gave Convergent permission to email me and we agreed I would settle this account for {$250.00}. I emailed immediately while she was on the phone to a # clerks email. I called the next day as she requested so I could pay it and interestingly when I asked for the same manager she was " in a meeting ''. Then I called that afternoon and reps hung up the phone or transferred me all over the place. ALL I WANTED TO DO WAS PAY. Who does this to someone just wanting to pay? 

They never sent the invoice as THE MANAGER told me that department would so I could have proof of what we agreed before I paid. Another week goes by with me calling and still no resolution. She even tells me there is SEPARATE UNNAMED DEPARTMENT that I can not communicate with who handles email correspondence. Yesterday, I coincidentally got transferred to XXXX again, reminded her who I was and reminded her that nothing she told me was true. She then tells me they have a NEW EMAIL ADDRESS and that she gave me the wrong one 3 weeks ago! I was stunned. So I email that account 3 times - XXXX - how convenient that a new email address pops up. 

I paid off this debt XX/XX/XXXX in good faith with XXXX and STILL HAVE NOT RECEIVED A RECEIPT stating this matter is settled TO MY EMAIL. 

TODAY - I was just put on hold at XXXX XXXX this morning, XX/XX/XXXX as I am writing this. The representative said she had to figure out what department sends receipts???? I was on hold for 15 minutes and I hung up because I knew from experience that rep was not coming back to the phone. 

This company is evil and corrupt. How long does it take to send a 30 second email? I want my receipt so I can move on with my life and never have to deal with this company again. They should be shut down. They have no corporate numbers to call and bogus websites, and all this confusion. I can't believe this company is allowed to be in existence with all the negative reviews and complaints all over the internet. 

Disclaimer : This debt is under my maiden name, Do not let them say they can not find me.
I have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. 

Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. 

I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. 

It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. 

I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled.
I was checking my credit score o n   XXXX   XXXX   and saw that my   XXXX   credit score went down about  XXXX  points during the last   reporting period for apparently no reason, as nothing has changed since the last period. I am filing a separate complaint about this, but this complaint is about TransUnion who I went to, to check for information to compare with   XXXX   to see why my TransUnion score did n't go down, but my  XXXX  one did.
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I had to make an account to check this information, and they asked for my card information which I just assumed they needed to accurately reflect credit. They made NO indication that I was signing up for a paid account, and now whenever I try to go through their portal to cancel my subscription that I apparently now have, it does n't work. Every contact method they list is related to opening accounts/getting more information and I do n't really want to call because I 'm worried I might end up with more useless charges and no way to get my money back.
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This exchange happened on  XXXX   XXXX , 2017 and the amount I was initially billed is {$21.00}, which I also assume is going to be a recurring cost.
XX/XX/XXXX, I disputed a incorrect charge on my UNIVERSAL/CITI credit card with ASAP rental. Unvl/Citi opened an investigation, in which they did refunded {$250.00} during the course of this investigation to my credit card. ASAP disputed my dispute and Unvl/Citi placed this amount back on my card resulting in my card at that point being over the credit limit and reported it to the credit bureaus, XX/XX/XXXX. At which point Unvl/ Citi alerted me to provide additional proof of my dispute after said amount was reported to the credit bureaus. I immediately provided CITI with legitimate proof that ASAP rental was indeed paid by XXXX and their claim was invalid. CITI again placed the {$250.00} back in my account and a manager told me they would have their internal department which handles credit reporting correct the error of the Over the credit limit reported. This was never done. They were contacted twice. XX/XX/XXXX I received a email from Unvl/ City regarding ASAP dispute still in investigation.
I was told XX/XX/XXXX this matter was closed. This matter has been in dispute since XX/XX/XXXX. I spoke with a representative that told me that they do not have a end date for  investigations and could not give me one and this matter was still open. I was also told that no request was made on my behalf to the credit bureaus to remove the negative reporting which lowered my credit scores on all 3 bureaus. XXXX XXXX points, XXXX  XXXX points and XXXX XXXX points XX/XX/XXXX. I was in addition told that if I wanted anything corrected on my credit report I had to send a additional Letter making the request to have corrected and that the supervisor who told me they would take care of it several months ago did not. This error has largely been to my detriment in any loans I try to apply for and credit card approvals.
Originally purchased home 4 years ago at {$400.00} appraised at {$410.00} financed through chase. While trying to figure out why my payments climbed from {$2600.00} to over $ 3k I found out i have been overpaying state property tax fees. I was only able to get 2 years refund from the state but was able to fix this issue ; however, even after calling and squaring this away with the escrow department they paid the same amount AGAIN and raised my rate. 

Recently, this past month while trying to get PMI removed I believe the bank is not behaving correctly. We've paid the house down to $ XXXX and the exact same house sold for {$460.00} so we called to request PMI removal. Chase informed me we are required to use their appraiser at {$550.00} to confirm property value and I had no input on the appraiser used. I agreed and they denied my request but did not send me a copy of appraisal or inform me ... i later found out by calling back in to get the status. After requesting copy I noticed they used comps on homes that are not similar to mine and resulted in a {$430.00} appraisal. The numbers are suspiciously close to the original PMI removal of 80 % off {$400.00} vs 75 % of {$430.00} ( XXXX vs XXXX ). I was given the option to submit 3 comps and argue my appraisal but they have lost this paperwork and now claim the original appraisal will expire and I will need to pay another {$550.00} to remove PMI with a check of $ XXXX to pay principal down. 

I believe the mortgage company is unfairly requiring me to pay extra principal to remove PMI insurance when i'm in good standing within 80 % TLV. Further, i was required to use their appraiser who unfairly tilted the scales in their favor regarding home value by citing properties that do not even have their own driveways.
In XX/XX/XXXX I disputed XXXX with XXXX, equifax, and XXXX. Equifax and XXXX said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
I had open an account with XXXX XXXX back in XXXX. I terminated the service In XXXX, due to every month extra fees was added. I would call the company then they would credit the account. Every month they were scamming me for extra money. This account was taking off my credit back in XXXX. I checked my credit score and seen where XXXX has given my information to a third party called XXXX XXXX. Now they have opened an account on XX/XX/XXXX when the statue limits have ran out.
Being charged interest and principle on a loan that is over twenty years old.Ca n't seem to contact XXXX XXXX XXXX to get any information about the original promissory note.
I received a letter from TRS Recovery Service s Inc, c laiming I owed  XXXX  debts ( Reference numbers  XXXX  and  XXXX  ) for  XXXX  and  XXXX  respectively. They are claimed to be related to Unpaid Electronic Fund Transfers from  XXXX   XXXX  number  XXXX ,  Telecheck. I  have never been to this  XXXX   XXXX  and I certainly did n't do any fund transfers. I was not near that  XXXX   XXXX  on the day they claim. The numbers and methods they provide to contact them all demand social/bank routing info/etc. I will not provide this info to a company that appears to be scamming me. I googled this company and find that they do this to lots of people and have many complaints against them. I want the issue resolved and I do not want to receive any more communications from them.
I had {$20000.00} damage to my home last XX/XX/XXXX. It was winter and very cold. My doors and windows were covered with plywood so I withdrew my meager savings to begin repairs. Friends and family pitched in to help me with repairs and money. XXXX refuses to release my money until I produce " paid in full '' receipts from the contractors who gave me estimates but did n't actually do the work. They are holding a {$16000.00} insurance check. I understand that there is a process but how can I reimburse or pay anyone when I have no money? I 'm XXXX years old, all of my savings are gone and I live on my SS check. I 'm desperate. Please help.
As a mortgage debtor with my debt being serviced by the XXXX XXXX ditech subsidiary company, I have concerns for the ability of the XXXX XXXX to devote adequate resources to their public offering of service. I note XXXX chief executive officers during a 12 month period. I note a XXXX % -XXXX % decline in stock price. I note a current stock price near the XXXX value when the major stock exchanges would consider delisting of the stock. From my experience in accounting and finance fields I suspect that the XXXX XXXX may be in breach of some loan covenants. With the turn over of chief executives I suspect that the XXXX XXXX XXXX not be able to provide consistency in company conduct. Much of the ditech loan portfolio originated from XXXX. I view much of this portfolio as having the potential for sub-standard underwriting and for having defects in documentation, implying the probability of higher loan servicing costs for ditech. With the fourth CEO within a 12 month period of time and a record of substantial penalties paid to resolve the results of past business practices, I have concerns for the ability of ditech to operate its business.
I have been making monthly payments on medical bill then received additional collection bill for same company even tho I disputed the additional amounts as being incorrect. Now collection agency is filing a judgement.
I am being called at least XXXX a day from Flagstar, stating that they are calling for a business matter. I do not have any kind of loan with Flagstar, and have at least XXXX time called Flagstar, spoke with a representative, explained who I was, and that I did not have a loan with Flagstar. Every time I have been asked if I am, or if I know who XXXX is, and every time I reply that I do n't know who they are talking about. The Representative then tells me that they will take my phone number out of the system, but the very next morning I receive the same phone call. I receive at least XXXX phone call from Flagstar everyday, sometime very early in the morning.
About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX  bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. 

I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. 

I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.
Chase Bank checking charged me XXXX separate {$34.00} NSF fees for minor consumer purchases ( e.g. {$5.00} XXXX charge turned into {$5.00} + {$34.00}, etc ). I had a gap in funds for about 24-48 hours, and transferred in to cover the " insufficient funds '' within XXXX hours for all of these. The bank rejected my request for NSF refunds and used some complicated bank accounting schedules to dispute my request. My request is a refund on all XXXX {$34.00} fees since I had transferred funds into the account promptly to cover minor consumer purchases.
XX/XX/XXXX found 5 fraudulent charges on my Capital One credit card. Immediately reported to Capital One and was told the charges would be marked as fraudulent and temporarily reversed from my account. 

Upon checking my next statement, I saw the charges were still on the account, and called again. I was told that due to an error in the system, they had n't been noted as fraud and that they now would be so marked so the investigation could begin. I was also told I would receive a letter from the fraud department, which I never received. 

Today (XX/XX/XXXX ) I received an email notice that my payment was late and that I had been charged a {$27.00} late fee. Upon speaking with a fraud supervisor, I was again told that the charges had never been marked as fraudulent and that they would do so now so the investigation could begin. I have an excellent credit rating and payment history, have not used this credit card in several years, and am frustrated with Capital One 's inability to solve such a simple issue and repeated claims of their system being at fault.
XXXX XXXX TransUnion Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.
In applying for a Home Equity Loan, my bank found a lien on my home from the year 1998. Attached is proof of pay off to companies no longer in existence, but acquired by other companies. XXXX XXXX as shown in attachments was paid {$71000.00} on XXXX. That lien was never released ; security deed is at court house in XXXX XXXX, XXXX, Georgia. XXXX XXXX XXXX and PNC acquired loans from XXXX XXXX and XXXX has investigated and has sent me a letter and per a phone call, that PNC has second part of portfolio from XXXX XXXX, Quote from their letter " We encourage you reach out to PNC who acquired the second batch of loans from XXXX XXXX as my loan was not part of the ones they acquired in first batch. Attached documents should show my stated information. XXXX XXXX
My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening.
I tried to get my credit reports from the three agencies through the Annual credit report website. I input my information but due to issues unknown to me the sites failed to produce the reports. I have done this years before without an issue. My credit score dropped 45 points since XXXX this year. Now I can not access my information to see why my score dropped. I get my score from my banking web site for free. There is no process of getting the free reports from them, to figure out why the score dropped. The credit agencies do not have a direct phone line to call to remedy the issue.
We have XXXX accounts with synchrony bank. XXXX for XXXX bed which was returned and payments have been made on time. The bed was in my Wife 's name yet the company called and discussed the debt with me in violation of my Wife 's request. They called 10 times in 4 days to collect on a supposed debt that was up to date. Even after requesting that the company ( synchrony ) stop calling us, they continued. I purchased a tool from XXXX last month, and even before I received the first bill, I received XXXX phone calls from synchrony in one day. The first call was at XXXX XXXX and the last was at XXXX XXXX. After the first call I asked them to stop calling my house, Yet I received four more calls after the request was made. I am a XXXX Veteran who is home bound and I get physically ill when I receive phone calls such as those from synchrony bank. ( tel # XXXX XXXX ) was the number that I was called from. Please help me stop the harassment by this company. The debt collectors are harassing me with no cause. Thank you in advance for your assistance.
XXXX 2015, my mortgage loan was purchased from XXXX by Carrington XXXX XXXX In trying to setup auto payments the direction that I was given that I could fax over my bank account information for them to withdraw the funds was incorrect. After several calls I was later told the only way to setup auto withdrew is through the mail. Thereafter my payment increase despite being on a fixed loan. I switched insurance companies and for them to reduce my payment they stated I had to call back to ask for the analysis. So for my payment to increase no action has to be taken on my part but when there is a reduction when you have lower insurance you have to request an analysis. Unfair to the consumer. In addition, On XXXX XXXX, 2015 I called to ensure my extra payments were applied correctly to my escrow and it was not despite what the customer rep. stated who took my call. Every time I contact Carrington Mortgage I get a different response from a representative. They are pleasant but extremely inconsistent and extremely unfair to the consumer. I will be refinancing to run away from this company.
This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming. 

The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX   and XXXX XXXX. 


Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist. 
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!! 

This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.
Illinois dept of family services ( child support ) are payroll deducting child support payments every pay period but are reporting my case as being negative ( i n default ) .in someway. I have acquired a payment ledger from child support as proof That payments are being made. My payments are payroll deducted so it 's never late.this has be ongoing for over 10 years. Whenever I manage to get my credit score up to a respectable number, the next following month my fico score drops about XXXX points even though payments are being made on time. It is a an unfair tactic to collect missed child support payments which occured over 10 years ago.at this rate I will never be a home owner and it 's hendering from getting employment.I am homeless due to this situation.
Submitted a dispute of fraudulent inquiries on my credit file with Equifax. Checked the status online it indicates that investigation is complete however complete date indicates XXXX and delivery has N/A.