WillisBack/dataset-financial-user-claim huggingface dataset:
During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you
This Company Santander is reporting a dept closed for XXXX. I tried calling them they could not tell me what this was for. And could not find me on their records as owing them anything. This is very confusing. I do not owe this amount to anyone.
I took this car loan out XX/XX/XXXX. When the loan was taken out I advised that they can not call my place of employment under any circumstances. I put it on the application and all documents for me and my wife. I had to make a welcome call to GM and give them consent to call my cell, por and my wife 's cell. At which time I advised do not call either POE. Every month when I talked to them you have to verify your phone # and give consent to call. At which time myself or my wife would advise no calls to POE. The agent would always say it is marked. I had no issues until I became sick and fell behind. I kept in constant contact with GM advising of my issues and scheduled payments. I was sitting at my desk one day at work and an agent comes to get me and said the customer is asking to speak to you and will not give any information. I advised please transfer to my desk and I will talk to them. It was not a customer it was GM. They called into XXXX ( my employer ) through a customer line and asked for me until they were transferred to me. When they first called they heard the monitoring disclosure and each time an agent talked to them ( XXXX ) they heard this as well plus heard this from me. They knew they called a customer line and was being recorded. This is my issue. They knowingly with intent called the customer # to cause harm, embarrass, and put my job in jeopardy by calling. The call is recorded and over XXXX people are now privy to my personal information because GM broke the law by knowingly calling in on a customer line and pretending to be a XXXX customer to get to me. Issue XXXX on XXXX XXXX late night my vehicle was taken from my driveway. I thought it was stolen. No G M illegal repossessed my vehicle. I was late, yes I admit that I was 45 days late with a payment scheduled through GM XX/XX/XXXX. I was in constant contact with them and they were aware of the payment plan. They took the vehicle with no notice and a payment pending in their system which would have brought it less than 30 days delinquent. I want XXXX XXXX things to happen. 1 GM gives me all funds paid on the vehicle, takes it back and marks it as paid in full. 2 GM provides me with a paid in full letter and we go our separate ways. GM breached my confidentiality by calling in on a customer line where over XXXX people now have access to that call and personal information. If these XXXX options do not fit for them I am open to hear what they have to say. If need be I will sue for breaching my confidentiality willfully with the intent to cause harm.
I had a home equity line of credit with XXXX XXXX. After XXXX filed for bankruptcy, my account was transferred to Specialized Loan Servicing ( SLS ). In XXXX 2015, SLS offered me a loan modification with a fixed monthly payment to include principal and interest. I accepted the offer and paid the loan modification fee. Then SLS began sending me a monthly statement showing a monthly payment amount that was much higher than what the loan modification called for. I contacted them and was instructed to pay the agreed upon amount, they said that it was an error in their system and they would correct it. Every month thereafter, I would receive a statement from them for a higher amount. Every month I would call them and they would instruct me to pay the agreed upon amount, which I have. I have always made my payment prior to the due date and have never been late or missed a payment. After many months of this, I finally received a statement for the correct amount, but it indicated that I was a month behind. Again, I called and was told that his is a system error and it would be corrected. It has been over a year and this is still not corrected. In addition, I was issued a XXXX interest statement that is not correct since my payments have n't been credited correctly. I receive phone calls from their collection department almost weekly, and this is bordering on harassment. Again, I have made all of my payments early, have never missed a payment or been late. I 've talked to their customer service department dozens of times and each time I get the same response that they will " open a ticket '' but nothing ever gets done and no one ever fallows up with me as promised. This is the worst customer service that I have ever experienced. Can you please help facilitate this situation.
I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks
I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.
On XXXX XXXX, 2016 I went into PNC Bank. I spoke with the teller and informed her that I was going make a deposit of {$210.00} in form of a check and she stated that {$100.00} would be instantly cleared into my checking account. I had XXXX transactions on this date withdrawn from my account and this was confirmed with the teller. The tellers name was XXXX XXXX. XXXX XXXX confirmed and assured me that it would not exceed over my check amount. I explained to her that I am a XXXX Business Owner and could not afford any NSF charges. She assured me that I would not. Later on that day I used bill pay for {$170.00}. I had {$110.00} in my acct already in which had cleared on that day. On XXXX XXXX, 2016, I went back to the bank and spoke with XXXX XXXX. I ask her for my balance. She stated that I was in the negative and had insufficient funds. I explained everything to her and ask if I could get those charges refunded and pay the cash to make sure that everything would be covered. She stated that I needed to speak with the business manager. I was uspet and demanded an explanation. So I then made a deposit over {$600.00} through form of a check. I was told that I had accrued over XXXX over draft charges overnight. I then ask for the business manager and told her to give me my check back. She stated that she could n't. The whole time on this date I never left the bank. I requested to speak to someone higher than and she referred me to customer service. She stated that I needed to call someone else. This is a business account and my livelihood. I called XXXX different people and everyone said that it 's nothing we can do. I spoke with a XXXX XXXX and she refused to give me any NSF 's charges. I went back into the bank the next day after seeing another NSF charge. I was then told that I was in the program that paid any and all NSF charges even if the funds was n't available. PNC stated that they were authorized to approve any amount that was to come through. The Manager stated that in return they would just charge NSF charges. I never signed any paperwork or anything authorizing PNC Bank to authorize charges if the money was not there and agreeing to NSF 's. At the time I had over {$2000.00} of cash in my pocket to cover all checks. Had I been told each time that my transactions would result in NSF charges or I was enrolled into a program, none of this would of happened. There was a lack of communication on the banks part. The next day the Branch Manager stated that she submitted emails to a higher chain of command to her and reported that she had not heard anything back. Still this day I have n't back from PNC. This is unacceptable behavior and I feel as if PNC is a ripe off. I am a business owner and have rights. I was treated unfairly and was not informed of any program and additional NSF charges. I am a very dissatisfied Business customer. I will definitely be filing another claim with PNC Bank Overdraft Settlement and have discussed these actions with my Attorney. This is unacceptable.
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.
XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies. 
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them. 
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ). 
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing. 
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt. 
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I am not comfortable with how the steps Equifax has taken to protect my information, or the steps Equifax has taken to notify myself and rectify this grievous error.
i was recently a member of a health club at the beginning of the year, after that i became ill and was not able to use the membership, i contacted them and told them what was going on and i wouldnt be able to utilize my membership. they were rude about the whole situation. i called corporate and they were even worse, telling me it wasnt there fault that i became ill ( which i never argued that it was ) also there was nothing they could do about. i mean if im sick and cant utilize the membership and wasent at the time i should have not been charged for something. so iv recieved phone calls nearly everyday about how im going to be taken to court if i didnt clear the debt and for some thats really scary, i have kids so knowing or feeling like any day i could be served all because i could not keep a membership with a gym is kind of crazy and receiving threaten phone calls is beyond me.
Have tried numerous attempts to sign up for Equifax trustedid premier since my ssn was impacted by last year 's data breach. I received the link to complete enrollment but for the past week I get a " System Unavailable " error. I called the customer service number provided and the person over the phone asked questions to verify my id. I could not answer one of them ( " the month and year you requested your last credit report from Equifax? '' ) and was told that I would have to fax them documents to complete enrollment. I did not feel comfortable doing so especially since all of this is not required online. So I registered online again using a different browser and still got system unavailable. The end of XX/XX/XXXX is the last day to register and it 's if as though Equifax is making it as difficult as possible to sign up.
I was contacted regarding consolidating my student loans and did n't mind the fee. But XXXX says it 's a scam and I should file a complaint. Global Client Solutions says they will close my account. The number of the " servicer '' is XXXX XXXX XXXX.
For the past 3-4 months I have been denied credit from my credit union XXXX XXXX XXXX due to information on my Equifax report. As the representative and myself reviewed the information on my report, I found it to be inaccurate causing me to be denied without being extended credit. I notified Equifax Credit Bureau several times regarding this issue. I informed them that my XXXX account was missing off of my report and my XXXX account had no credit limit. With both of these creditors reporting inaccurately decreased my score about XXXX points. The XXXX card was appearing that it had a high credit utilization and my XXXX account which was never late was deleted from my account. After speaking with several representatives including a supervisor and later a representative from the upper management office, I was informed that my file is too large and no one would have access to receive a copy of my report for one year. He them explained that the file divided itself into XXXX files. I was later informed to have my credit union pull the report manually and call the business office to do so. I traveled back to XXXX XXXX to have them do as I was instructed to have XXXX XXXX pull My credit. XXXX XXXX XXXX XXXX then attempted to pull my credit and it was still inaccurate. XXXX them called Equifax again and was informed to wait and re- pull it which he did. During the end of month of XXXX the credit report was able to be accessed. I then attempted to try it again later and it was locked again not only to creditors but once again to myself and my monitoring agency ( XXXX ). As of today, my report still can not be viewed by creditors reflecting the accurate information because I was told on Monday XXXX XXXX, 2015 that it would be approximately a year before the issue would be solved and the file would be combined into XXXX file. I have medical issues and a daughter graduating from college and desperately need to get this issue resolved in order to be granted a loan. I am getting no results and/ or no clear understanding from Equifax XXXX this continue to occur and when it will be resolved.I need help with this company because they pretty much refuse to give me any information besides it will take a year to update my report to reflect accurate information. In following the instructions from Equifax, it has also caused several inquiries from the same company which is XXXX XXXX XXXX. I have at least XXXX inquiries from this company in about a month in a half period because Equifax was informing me that the issue was resolved and it was not. They also said that they ca n't do anything about the inquiries that was made from this company. I informed Equifax that credit was only pulled because you advised me that the issue was resolved. Furthermore, Equifax, on XXXX occasion spoke directly with the loan officer from XXXX informing him that he could pull the report again because the issue was resolved.I really need resolution because I am not getting anywhere with Equifax at this time- please help me. I have no problem with XXXX and XXXX.
I have XXXX XXXX California. I had paid my {$500.00} payday loan in the payments they said. But of course they said all that I paid was to fees and not my loan. So I tried to stop they payments from my account. I could n't pay my rent my car or anything due XXXX XXXX cash. I tried calling them to have them give me more time. They did n't call back instead they took another payment for interest on money I had less than 14 days it was supposed to help. Instead it landed me in more debt stress and the crisis center from an XXXX. Since they took what I needed for my rent. Now they are threatening my job and harassing me. They should f be allowed to do this to people at all. I 've used pay day loans before and I pay maybe {$45.00} extra. These guys want XXXX $!!!! If I had that I would n't have needed the help. And I asked the girl that set me up. And she said no that I was even getting a discount. Horrible!!
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA
I was sold a Timeshare in XXXX XXXX NJ at the XXXX XXXX through a company doing business as XXXX. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but now have started doing " Hard Inquiries '' into my credit, XXXX on XXXX XXXX 2015 and the latest on XXXX XXXX 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact XXXX in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a XXXX point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that XXXX be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.
The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.
I received a phone call on XX/XX/XXXX from XXXX XXXX with Transworld systems stating that I owed over {$22000.00} to XXXX XXXX XXXX also known as XXXX XXXX. XXXX states the paperwork came across her desk on XX/XX/XXXX. I requested her to verify debt with sending me the original note and loan and she stated that she was sending information to my email. I provided her with my email address to send original documents. XXXX advised me that she would give me until Monday to come up with some type of payment as she was going to follow up on Monday XX/XX/XXXX. She also stated that I was previously making payments back in XXXX when i originated the loans which is totally incorrect. I never made payments on the loans. The loan in the amount of {$12000.00} was charge doff and my grandmother before she passed paid it in full because XXXX threatened that they would garnish my grandmothers social security. I then found out that the company that provided the loans which they mailed me checks that did not list the college that i was attending filed bankruptcy Chapter XXXX in XXXX as well. XXXX was aware that i filed chapter XXXX bankruptcy XX/XX/XXXX and advised me that i am now responsible for the debt that was not XXXX in chapter XXXX. I requested numerous times to verify the validity of the debt. I have yet to receive anything that verifies i owe the debt, that transworld owns the loan and the right to collect on the loan or the amount of money that transworld claims I owe is the correct amount due.