WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a charge on my Netspend card, and instead of simply investigating the line item, the representative said he had cancelled the card and was mailing me out a new card within three days. I was on travel at the time and this action left me stranded overnight outside. 

Two weeks later, I went to my XXXX XXXX to retrieve the card, and I discovered that it had never been sent by Netspend. I called to inquire, and the new representative told me she would send out another card in three days. I asked to speak to a manager, hoping that a manager could order a same day or 24 hour delivery. ( Additionally, I asked if the money could be XXXX XXXX, wired into my bank account, or put onto another Netspend card I had purchased in the interim ; they refused all of these options. ) The manager I eventually spoke with cancelled the order of the second representative, telling me she was going to get the card to me faster, within two days. Instead, she failed to ship out a card. It is now two days later, weeks past the original error, and this company has kept me on hold for over an hour each time I call, causing my cell phone battery to die. Regardless, they have my phone number, my email address, and all the information they need to ship me out a new card, expedited. Additionally, Netspend has been charging {$1.00} for every transaction on the account, adding up to hundreds of fees. I would like those fees refunded in total due to this inconvenience. I had a lien put on my storage, I had to give up my car ... I have bills to pay and need access to my money!!!!
On TransUnion they have a XXXX XXXX listed as a name I have used. This is incorrect and fradulent information. I have never had this name before. Also they have an XXXX Credit Card lists that I am sure was opened by XXXX XXXX. This needs to be removed from my report. I feel my step-brother has done this as he as used this name before to get items at other companies.
Last year I purchased XXXX Nissan altima SV through XXXX XXXX dealer. It is a very bad experience. 

Without my knowledge I ended up as a lease contract. I went to XXXX XXXX for purchasing Nissan altima SV. the sales person bought me a quote and said shows monthly payment as XXXX for nissan altima sv for 36 months for 0 % Apr for finance. Then I said i will purhase. 

After 1 month of purchasing car I realized that it is showing as lease in XXXX website. I contacted XXXX XXXX then they said I leased car for XXXX for 36 months and after 3 years if i wnated to purchase i have to pay residual value of {$13000.00}. All of a sudden i felt i got trapped by this dealer. I looked at papers what i have signed they are related to lease. 

The actual car value on their website shows {$19000.00} when i purchased car. Since they changed as lease they charged my monthly payments for sticker price which is {$31000.00}. I never asked for lease. Beware of this fraud by the dealer. I reached to XXXX XXXX they said they ca n't do anything to fix it up since it is sold by dealer. 

They said it is Finance purchase and on papers they says it as a lease when signing papers. This is my first time purchase so I did not checked contract papers trusting dealer and got XXXX XXXX by this dealer for {$13000.00} additional price. 

The market value of this car is after 1 month is less than {$18000.00}. I purchased it on XX/XX/XXXX. By 1 month I lost around {$13000.00} according to their price tactics done by Dealer and XXXX XXXX. 

All Nissan Dealer advertisements show lease for approximately {$200.00} nissan altima 2.5 s. How come Nissan altima sv lease payment is XXXX . They are big fraud dealer and XXXX XXXX is encouraging this kind of practices by supporting their dealers. 

The persons involved in this are Sales person : XXXX XXXX, Internet sales manager : XXXX XXXX Finance manager : XXXX I have called many times dealer using my phone number but they never responded to my phone calls or voice mails. So I tried calling with a different number now they answered my call. If dealer do n't want to answer customer calls then they should say it directly that we can not resolve the issue in stood of not answering calls. 

Finally I was able to speak to XXXX on XX/XX/XXXX using my spouse mobile phone. Anyways issue is not resolved after speaking to Dealer. 

Is anything can XXXX XXXX fix this issue. I ca n't pay {$31000.00} for {$18000.00} worth car. I know you guys can say easily it is not on your hands since I made Transaction at dealer. But if you can please resolve issue. If you guys really want to resolve issue You guys can look at Transactions done by all your dealers in USA and see if the same car is sold for {$31000.00} in Month of XX/XX/XXXX. Can you guys help me to fix this. 

I 'm attaching contract and Pay off quote from XX/XX/XXXX.
XXXXARGON is indicated I opened a loan with them ; however, I have never opened an account with that company. They have not helped me verify the loan, and they continue to report it to XXXX. Additionally, they indicate the loan was opened in XXXX 2015 ; however, the loan is now indicated as late 31-60 days and it started to appear as of XXXX XXXX, 2015. This is how I found out about this loan and subsequently contact XXXXARGON. To-date, they have refused any form of help to resolve this fraudulent account.
XXXX   XXXX  has been working with  XXXX   XXXX  since  XXXX / XXXX /  XXXX  . It appeared that Key Bank applied payments to the first mortgage in error.  XXXX  sent a letter on  XXXX / XXXX /  XXXX   which is attached requesting information on the account to try and resolve the delinquency.  XXXX   XXXX  has the income to make a mortgage payment. It appears that Key Bank called the full amount due on his mortgage of appx  XXXX .    XXXX  sent a complete Modification request and all documents on  XXXX ,  XXXX  and follow up documents requested on  XXXX .   Since that time frame  XXXX  has heard nothing. Attempts at communication have not been responded to by Key Bank. On  XXXX   XXXX   XXXX  called me during a very disturbing phone call from  XXXX   XXXX  from Key Bank. I personally heard him berate  XXXX   XXXX  and call her uncooperative, unconcerned and " she must not really care about keeping her house ''.   I was very disturbed by  XXXX   XXXX   XXXX   XXXX  's treatment of Key Bank so I asked them to come into the office so we could call  Key  Bank together. I spoke with  XXXX  #  XXXX  and she stated she could not provide me any information because it had been referred to foreclosure and only  XXXX  could talk to me. I then called  XXXX  at  XXXX  and spoke with  XXXX   XXXX  who was very helpful. I let her know about my disturbing phone call and that I had sent multiple packages to Key Bank and let her know that I had never received a phone call from Key Bank or a denial.  XXXX  told me that Key Bank is pursuing a judicial foreclosure which I was shocked about because Key Bank has NEVER tried to help the  XXXX  with a modification.  XXXX  requested that I send her the documents that I had previously sent and she would look into it.   I then called Key Bank at  XXXX  and spoke with  XXXX   XXXX   XXXX  and he let me know that Key Bank had NEVER reviewed  XXXX   XXXX  and that the  XXXX  's had NEVER been denied. He stated on  XXXX  Key Bank had requested additional documents  ( which we provided ) but then Key  Bank closed out the file with no further communication and no denial. I let  XXXX  know that under CFPB that you must deny someone and allow them an appeal process.    Key  Bank is going through a foreclosure process and yet I have documentation that Key Bank has never reviewed  XXXX   XXXX , never denied  XXXX   XXXX , never contacted their housing counselor. Since the  XXXX  's were never denied a modification, they have had no way to appeal, or speak with Key Bank on how they can save their home.
Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution.
I contacted Experian and reported that there was an account that was being reported on my profile that did not belong to me. I do no nor have I ever had an account with XXXX XXXX and there are XXXX trades reported under my profile. I contacted the creditor at the phone number listed on the report and the only information that they were able to provide was that the store that originated the trades is no longer in business and suggested that i file a dispute with the credit bureau. I asked that Experian validate the debit but instead they dismissed my concern and the trade has remained on my report. I 'm not sure how I can prove that I do not have a debt with these people but i am sure that they can not prove that i do, so I am very confused as to how Experian can just say, oh well miss the debt is in fact yours now until 2019. I know that it is my right to have my credit file contain accurate information and am sure my rights are being violated.
In XX/XX/2018 I talked to XXXX XXXX about my account with Ability Recovery Services were reported that I am derogatory on my account. She told me the credit reporting agency have to fix it because they already send a report when I pay my account but I have been paying on time. I tried to dispute it with XXXX and XXXX but I could not online. I have called back XXXX XXXX twice and left 2 messages but she has not returned my calls.
Equifax did n't protect itself against hacking and now all my personal information is out in the wild. My credit and personal finances are at risk.
This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, TransUnion, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.
The original creditor was XXXX XXXX. It is a paid chargeoff, collection debt. I have been attempting to have the item removed off my file. My dispute was erroneous information, the date opened, the name and the actual date that Portfolio obtained this debt is wrong. I requested actual validation and they sent me 2 sheets of paper and the dates on the paper are the year of XX/XX/XXXXand XXXX and Portfolio did n't obtain the debt until XX/XX/XXXX. I sent correspondence to Portfolio and the credit bureaus on numerous occasions explaining that the information had to be correct and it is n't. I want the item deleted so I may move forward in my quest to have excellent credit. The debt is old and paid it has no purpose except to report as a negative item. I communicated with the credit bureaus and Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I spoke with a XXXX XXXX in the dispute department of Portfolio about my concern and he told me that he understood and I thought I heard him say that the item would be deleted but as of today it is still in my credit file. So I am pleading for assistance with this matter.
I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have XXXX inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Svs XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Dual Card XXXX
I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.
In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them XXXX on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with XXXX, XXXX and XXXX. The disputes came back as verified from Synchronicity Bank / XXXX This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate , LLC and has been on my credit for several months. Due to the contract between XXXX and the City, I am not responsible for the bill.
I have submitted more than once the letters from XXXX stating they do not have a file under my name or social security number but Equifax is now saying, after telling me to send them the letters from XXXX, that XXXX will have to call or send them a letter themselves in order to remove the items from my report. I have sent these letters to Equifax a number of times and still not getting any help with this issue.
On XXXX XXXX 2016, All of the inquiries on my TransUnion credit report were removed entirely, then reinserted a short time later. I had no notification of, nor did I authorize, the inquiries be reinserted. I have contacted TransUnion multiple times, the last call on XXXX/XXXX/2016 @ XXXX, trying to get the issue resolved, but customer service would not help me and take care of the negative inquiries reporting on my credit report. 
List of Inquiries deleted then reinserted : 1. XXXX XXXX/XXXX/16 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX via XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX.
I saved up enough money to pay off XXXX of my student loans entirely, with the intentions of reducing my monthly payments. To confirm that the payment would in fact pay-off the specific loan and reduce my monthly payment I had called Navient 's support group. After having previous experiences with payments not being applied as requested, I figured I would cover all aspects of any fine print with a Navient representative. Being reassured that paying off this loan would in fact reduce my monthly bill, I " pulled-the-trigger '' with the planned payment. Unfortunately my efforts to pay off this loan completely had no benefit towards me. To my surprise, my bill actually increased after I paid off a $ XXXX loan! How could this be? Especially after being told the complete opposite from a Navient representative ...
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit  bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Bank of America ( BoA ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and " overdraft protection '' was applied from my savings, along with an " overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. BoA is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted BoA several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees.
I filed a dispute with Experian on an inaccuracy back in XXXX. I have yet to get a response and this dispute was with regard to a public record that is preventing me from getting a loan. I sent in proof that the account was taken care of. Actually the account was entered in error to start with. I need this taken off of my report so I can move forward
This comaplaint is for Citi for the VISA Best Buy credit card. My credit card was used without my consent on XXXX XXXX 2017. There were two charges made. One charge was was at XXXX XXXX XXXX  for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XX/XX/XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that Citi closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that Citi needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one Best Buy account showing a balance of {$940.00} and another one of {$47.00}.
I originally tried to workout payment plan details with my mortgage provider, XXXX. XXXX would not work with me on payment arrangements. I tried calling multiple times. Greentree took over servicing for the loan and would also not work with me on payment arrangements. At this point, Ditech Financial LLC took over servicing, and still would not allow payment arrangements with me. It is now effecting my credit.
I submit a request for an annual report from each of the XXXX credit reporting agencies. XXXX and XXXX have my correct birthdate. Equifax does not. I have gone through the prescribed procedures to correct their error. I have repeatedly submitted my birth certificate etc. ; to no avail. As a result I can not download my credit report from Equifax