WillisBack/dataset-financial-user-claim huggingface dataset:
My accounts both bank and credit card have been closed by Chase without giving any reason. This has happened to my daughter as well. Most recently I was approved for a credit card and within 10 days the account was closed.
Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have XXXX people working for them but in all honesty it 's just them XXXX. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.
I have been receiving repeat calls from Hunt & Henriques, their staff has been using abusive and threating language. They have called me on XX/XX/2018, XX/XX/XXXX and XXXX, 2018 and XX/XX/2018. Their tonality is disturbing to me. This is the number they call me from ( XXXX ) XXXX
I was charged a return check fee for a check written from my Capitalone 360 checking account, check # XXXX in the amount of XXXX. CapitalOne supervisor by the name of XXXX agreed to waive overdraft fee in the amount of XXXX, however, there is still an issue of return check fee in the amount of XXXX, the attached screen shot shows the charge by XXXX Bank. A deposit made prior in the amount of XXXX should have covered this check written from my XXXX checking account, however, a finance charge posted after which caused account to become overdrawn. Previously, the account was brought to a zero balance and I also had an overdraft credit line in the amount of XXXX, but that was brought to zero without my previous knowledge. No notice was received stating so, otherwise I would not have written any checks. Please advise Capitalone I need XXXX return check fee credited to my account
Opened a BMO Harris Everyday Checking account under a promotion that said that I would receive {$200.00} if I did two {$300.00} direct deposits from an employer within 90 days. I completed the requirements but still have not received the {$200.00} promotion yet. I opened the account on X/XX/2017 and according to the customer service reps I 've talked to, I should have received the {$200.00} promotion after 120 days. After 120 days and not receiving the promotion, I talked to the customer service reps who were unable to help me.
I ordered a gift from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) using my credit card. The order number was XXXX and the amount was {$52.00}. I received a letter fro the credit department at Equifax Cred Inf XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) that the order can not be processed because I have a credit freeze on my file. Given the breach, I am concerned on why a credit check and why this company? I have written XXXX XXXX to cancel the order and remove me from their records. Please help - is this legitimate?
I filed a paper request for my credit report and have been waiting more than 3 weeks. I have not received a response of any kind. Last year, I attempted to request my credit report the same way, and also did not recieve any reply.
Mariner Finance reported my account as closed derogatory to the credit bureaus when my account is still in good standing. The also did this in XXXX XXXX. I did fall behind XX/XX/XXXX and XX/XX/XXXX, but made an agreement with the company to bring the account current which I did and have not been late since. They told me they do n't report to XXXX for months but they do. Now the company is saying XXXX wo n't change it on my credit report. I have been getting the run around since XX/XX/XXXX when I first called. Even their attorney is being difficult and not trying to resolve this issue.
Again I am trying to resolve my mortgage payment issue. I did try calling person listed on the complaint but I have yet to receive a return call. On today I received a letter stating that I have not made my XXXX and XXXX payments and I have. I have letters from my bank confirming monthly payments that have not been returned from XX/XX/2018 - XX/XX/2018. I still do not understand why Pennymac records arent correct. I will attach my bank statement which shows payments and no NSF fees and I have verified with my bank ( XXXX XXXX ) that payment for XXXX and XXXX have cleared. They will be mailing out this information to me within the next 24 hours. I only have a letter from the bank, on bank letterhead that states my XXXX payment was not returned, but paid and cleared. I do not have my XX/XX/2018 bank statement, however I have attached my detailed account summary that clearly shoes the payment.
The address on my report was not mine : XXXX XXXX XXXX XXXX MD XXXX
XXXX XXXX, Citibank and XXXX are aggressively pushing Citi AAdvantage cards with XXXX, XXXX or XXXX bonus miles if you sign up and meet a certain spending limit within a rapid time period. They actually hand out the applications forms on flights, there are ads all over airports and there are constant pop-ups on their website. What they DO N'T tell you is that if you 've opened another card in the past 18 months, you are ineligible for the bonus miles. Recently, I opened a card over the phone and the agent ASSURED ME I would get XXXX miles if I spent {$3000.00} in a month. I did it but the miles never appeared. I called multiple times and was told they were looking into it. I finally got a supervisor called XXXX in Kentucky who told me I would not be receiving the miles. This is the height of deceptive advertising. The credit card company has no record of the people in their accounts opening department telling me I would receive the miles ( they say they do not record conversations! ). The company is also enticing people to spend money rapidly on a credit card ( for the miles ) and furthermore they will not simply close the card down and transfer the credit limit to another existing card in a seamless way. Closing the card and losing the credit line adversely impacts your FICO score. Consumer BEWARE.
submitted my file for loan modification review in XX/XX/2016 with Bayview Loan Servicing. I have sent my documents and have contacted my Relationship Manager and have received no response. I am working with a XXXX company XXXX who also contacted Bayview on my behalf only to be advised they have not received a Third Party Authorization which has been sent on numerous occasions. I have a sale date and I called my Relationship Manager to see if the sale date was postponed to allow time for the modification review however received no response. Please help. XXXX
Today,   XXXX   XXXX   notified me that a collection was on my account from  Persolve. This is not my debt more did I receive any notice of a debt from Persolve in writing prior to it being reported to the credit bureaus.
credit inquires over 90 days still on the on, some go back to XX/XX/XXXX,XX/XX/XXXX
A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto your credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with a nice lady names XXXX about this over the phone in length and spoke about each inquiry in detail and she said it would be taken care of for me. These inquiries add a hardship and lower my score making it look like I 'm out trying to get a ton of credit when I 'm not and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution I would like that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally re-added to my account without my knowledge or notification.
My credit card provider increased my monthly minimum payment without any type of notification of the change. My minimum payment of {$30.00} for months of XXXX and XXXX were paid. However there was an increase ( starting in XXXX ) in my minimum monthly payment of {$7.00}. I'm on automatic bill pay ( recurring payments ). Since I'm using this service I don't check my statements. I do not review my statements every month due to the fact I know what I'm spending. All they had to do was contact me and explain that there was going to be an increase in my monthly bill. Instead of contacting me they began charging late fees. If I was notified I would have immediately made the adjustment to my recurring payment total. I do receive a email each month that I have a credit card statement. Same as my other credit card provider. The only reason I had checked my credit card statement was because I received a different email " Account alert '' that is when I noticed the fees being charged.
XXXX Collections Account # XXXX is reporting on my Equifax credit file as a duplicate account. The same debt with the same open date, account number, and balance is reporting twice on Equifax and I 've disputed this account on several different occasions only to be told it 's reporting accurately.
I contacted Experian today XX/XX/18 regarding the updates via email regarding my disputes regarding accounts reporting on CBR that reflect SCRA the 1st rep XXXX I spoke with advised 14 accounts had been removed from my CBR and she would send me an updated report reflecting the disputes that had been removed when she transferred me to the disputes department the rep I spoke with XXXX she advised her team she is with is in the XXXX XXXX XXXX and is also part of the XXXX XXXX. I advised to her what the previous rep advised and that was not the fact these accounts hadn't been removed and I advised her this situation has been very stressful and a little history of not getting adequte assistance on the disputes submitted and they are holding the creditors accountanble for the information the are report to the CBR I advised I've had to dispute these account several times and there still not doing DUE DILIGENCE on these accounts. I asked her if she was aware of the federal law SCRA she advised no. My question was for her working with the CBR and personal information that the CBR is to monitor the accounts to verify the creditors properly reporting our information. Also when I asked her this question she became rude. I asked who would I file a complaint with she advised CFPB due to there only a 3rd party reporting agency but also pushing blame of the issue at hand that there not holding themselves accountable for people 's credit accounts. I asked ot speak to a superisor she advised would have her boss XXXX call me on Monday I advised I would rather hold due to I've already been on the phone over 50 mins by then she advised that I refused a call back that she would disconnect the call very rude no tac or understanding of the matter at hand. I then called back and spoke to XXXX in the fraud department this rep took the time to listen and grasp the situation she as well didnt understand SCRA that effects Serviemembers daily. Dealing with mental anguish, stress, XXXX that this continues to be a vicious cycle that is not being handle properly when contacting the creditors.To validate removal of accounts that were not maintain by the creditors the bureaus.
Debt collector : Portfolio Recovery Associates, LLC Amount : {$860.00} Account number : XXXX Fraudulent account opened by a family member in my name when I was XXXX/XXXX years old. I am now almost XXXX and have been battling to have this unauthorized/fraudulent account removed from my credit report since I was XXXX. Originally creditor was XXXX XXXX. 
I have submitted fraud affidavit paperwork requested by PRA twice and in return they send me letters claiming the debt is valid and include a statement for the account from XX/XX/2012. 
I was married right after I turned XXXX and gave never opened up a line of credit in my maiden name. 
PRA has not validated this debt once in the entirety of their collection efforts, they send the last bill given to them via XXXX XXXX and say it's validated. They have not investigated this account and I've disputed it more times than I can count and they refuse to budge. They have once again sent me another fraud affidavit as well as another copy of the final statement from this account. 
It is causing wrongful damage to my Fico credit reports and scores.
XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agen cy, Especially   XXXX   and  Experian,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.
these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank BB & T and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXXXXXXXXXX and go public on XXXX im sick and tired of your crap!
Four years ago when I received a copy of my credit report it listed 2 addresses that I never lived at. I contacted the credit reporting agencies and they said they would remove it. They did but then put them back on and added another one. I spoke with XXXX at Equifax last week trying to find out who is submitting this information so I can contact them, and he gave me the run around and would not tell me who is submitting this information. He gave me the phone # for Business Customer Service and said try them. I spoke with XXXX and she told me she could not help me. I called back and spoke with XXXX. When I explained to him why I was calling he said to me, maybe you are better off not knowing. I want to know so I can put a stop to it. They have me living at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There is no such address. I have been living at XXXX XXXX XXXX for 37 years and there is no such #. They have me living at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. That is my lawyers home address. I do not live with him! They also have me living at XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived there. I have never lived out of the state of NY. After speaking with XXXX he said he would send me an updated report with the addresses removed. They are not removed as I received the report today but listed as previous addresses. I want them removed! I have never lived at those addresses and I want to know who is submitting this information.
My most recent Experian credit report shows a collections item by XXXX XXXX XXXX which was incorrectly filed against my personal credit. This was a business credit card I had through a bank. I have also never done business with XXXX XXXX XXXX. I believe they purchased this debt from another company It has also been more than 7 years since the original delinquency date and since I last made I last made a payment or there was any activity on the account. I have disputed this item several times and twice within the last few months, but Experian has not removed the item from my reports back to me " The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
I completed and submitted a loan modification package to Ocwen on XXXX XXXX, XXXX. On a follow-up call on XXXX XXXX, I was informed that the XXXX tax return that I submitted was not signed on page XXXX. I less than 1 hour, I sent a signed page XXXX in a pdf document via email, as I was specifically instructed to do. I also followed up to make sure that the document was received. I was told that the review would only take a few days, and would be complete well in advance of the schedule foreclosure sale on XXXX XXXX. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told each time that the modification package was complete and being reviewed by underwriting ( and that I should have an answer in a few days ). I called again on XX/XX/XXXX and was told that underwriting was still waiting on the signed document - obviously meaning that it was not under review. After some research, the representative acknowledged that I HAD sent the document in question, and that underwriting did not understand why I had only sent page XXXX. He said that he would contact underwriting and explain the problem. I asked about whether or not the sale on XXXX XXXX would be postponed, and he said that it could not. I asked what would happen if the review was not complete, and he said " that would be a problem ''. I contacted the department of the Ombudsman on XX/XX/XXXX and spoke to a rep named XX/XX/XXXX. She indicated that underwriting STILL believed that they did not have a complete package, but that she would investigate and get back to me in a couple of days. No one can give me accurate information! 
This process has been on-going for more than 6 months. Ocwen reps seem unwilling or unable to answer basic questions or explain correctly how the process works. I get contradictory, and many times completely inaccurate information. Aside from the moral obligation, it is my understanding that Ocwen has a settlement in which they agreed to specific actions and procedures that they have not followed.
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
We are writing this Complaint due to the fact that our Family experience a Hardship & that we have made many effort to workout somekind of re-payment plan by making numerous request to our mortgage company Wells fargo Bank. On XX/XX/2015 my Family experience a fire in our Heating/Air System we later found out that our warranty had expired the previous month. Due to our warranty expiration we were notified by our Homeowner Insurance that our Heating/Air electrical fire was not covered.Due the news we faced a large repair bill that had to be fixed due to the very hot weather & the recent moving of my mother-in-law whom is suffering from a XXXX XXXX ... we made many calls to wells fargo & never got any assistance but the usual transfer & hold for long times. On XX/XX/XXXX my wife & myself finally were transfered to the Home Preservation Dept. The representative we spoke with advised us that we did qualify for a repayment plan but only within 90 days & that we should of been advised of that previously. the representative said that we had to pay the entire balance and they could not help us with a re-payment plan.since then Foreclosure has been filed against our Property.we are filing this complaint because we made many phone calls & we were not advised properly about the repayment plan rules.. since then we have made efforts to make payments and it has been refused ... Please Help a Desperate Homeowners..
I file a complaint with Attorney General   XXXX   XXXX     XXXX  on behalf of a Identity Theft issue. In the letter I was advise to write or call credit reporting agency. I cal led Trans Union. O n the matter to place a credit alert with the  XXXX  credit agency 's. I talked with  XXXX  at  Trans Union Corporation  on behalf of the credit reporting of  XXXX   XXXX   XXXX   Company/collection agency for a debt on cell phone bill that was in  XXXX  balance when the  XXXX    XXXX   account was cancelled.   The  XXXX   XXXX  company sent a bill that was settle to a   XXXX   XXXX   collection agency.     This collection agency is on my credit report as owed bill. This  XXXX  account was cancelled on,  XXXX   XXXX ,   XXXX  .  XXXX  account number.  XXXX . In the amount of. {$92.00}   XXXX    Re.  No.  XXXX . This was a resolved issues with  XXXX .   The phone number for the collection agency :   XXXX   XXXX   collection agency is,  XXXX   XXXX   XXXX   XXXX . ( The   XXXX   n  umber above  XXXX . I filed a complaint with the  XXXX . This file matter was on the reason I cancel the account with  XXXX . ) I would like this matter to be address. The collection agency on behalf of  XXXX   XXXX  to be remove off of my credit report. This  XXXX  account has been cancelled and is in  XXXX  balance. Thank  XXXX   XXXX   XXXX .
I have multiple inquiries on my TransUnion credit report that arent not mine and are unauthorized. I have reached out to TransUnion multiple times regarding this issue. They keep advising me to contact the companies that requested the inquiries. I have done so but were unsuccessful because companies cant search for inquiries especially if there is no account associated with the inquiry. The inquiries are as follows. There are 4 inquiries from XXXX XXXX, 1 inquiry from XXXX XXXX, and 3 inquiries from XXXX XXXX. Please investigate.