WillisBack/dataset-financial-user-claim huggingface dataset:
The complaint below was filed with the CFPB on or about XXXX XXXX, XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
I made a purchase from an XXXX seller for automotive part, the seller invoiced me three times due to amount of the transaction for the amount of {$1900.00}, {$1900.00} and XXXX all for one item with the same tracking number. The item was shipped and I could not located the package so I got in contact with the seller and he refused to resolve the issue. I opened Paypal disputes for each of the transactions and lost because the seller provided tracking information. On XX/XX/XXXX I spoke with a Paypal representative that help me track down the package. The item wasn't as described and I so I returned the item back to the seller 's address on the invoice. Tracking # XXXX. I contacted Paypal on XX/XX/XXXX because the seller has my money and the item has also been returned. I was instructed that I would receive an email and I have not received a response yet regarding this matter.
Paypal.com signed me up for a " PayPal Credit '' account without my authorization for a credit check or establishing a new credit account.
Regions Bank Corporate Office XXXX XXXX XXXX XXXX, Alabama XXXX My father died in XX/XX/XXXX. He had purchased CDs from Regions Bank in XX/XX/XXXX totaling {$40000.00}. Regions name was XXXX XXXX XXXX at that time. Regions says that they have no record of these CDs. In XX/XX/XXXX, I wrote the Alabama State Banking Dept and Regions told them that they dont keep records on inactive accounts for more than 5 years. I then received a call from a Regions employee telling me that they dont have that money and not to contact them again about it. 
They say that they dont keep records past five years but dad also had an inactive checking account that was opened in XX/XX/XXXX and they had record of that account .so they do keep records.
I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. 
I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.
XX/XX/XXXX at approximately XXXX I called XXXX to obtain new cellular phone service. XXXX XXXX ( sales rep ) asked me several questions. When she asked me for my social security number I paused. I asked if she was running my credit because if she was then I would call back later after speaking with my mortgage broker. I told XXXX that I was currently in the home buying process and inquires would delay the process. XXXX assured me THREE times that the inquiry would just be a soft pull. When she asked me if I gave her permission to check my credit, I said " Yes, only if it is a soft pull ''. She assured me again that it was just a soft pull. Once she pulled my credit report I got notifications from multiple credit monitoring services telling me a new inquiry was added to my TransUnion report. I immediately told XXXX what was happening. I told her, " I thought you said this would be a soft pull?! '' She told me to hold and I could hear people in the background correcting her. 

I spoke to her supervisor, XXXX XXXX ( Sales Manager ) -he told me there was nothing they could do about it. They are required to pull credit to offer service. Even after telling him I did not authorize XXXX XXXX to pull my credit under their terms he still said there was nothing he could do. I asked to be transferred to their credit department. I was connected with someone named XXXX ( supervisor in credit department ). XXXX understood the problem. She told me to give it some time maybe it didn't report as a hard pull. She said she would call me back Monday ( XX/XX/XXXX at XXXX ) to follow up. It is not XXXX and I have yet to receive a return phone call. 

I called XXXX 's coroporate office and spoke with XXXX. XXXX told me in order to resolve the issue I would have to write a letter and mail it to them ( postal mail ) and wait for a response. I asked to speak to his supervisor ( XXXX ) who said the same thing. The only way to reach an executive at XXXX is to hand write them a letter and hope that they respond. He also directed me to call Transunion to initiate a fraud report since my credit was pulled without my authorization. I explained that I was in the process of purchasing a home. Fraud reports would delay the process even more than XXXX already has done. 

I am very disappointed in the way new customers are treated at XXXX. All I wanted to do was start 5 new lines of service. It has been nothing but a nightmare dealing with employees at XXXX. The customer service is a huge disappointment. 

I would like the inquiry to be removed immediately as I did not authorize XXXX to pull my credit report. All coversations with XXXX are recorded. They have copies of me specifically telling XXXX XXXX not to pull my credit unless it is a soft pull. After speaking with several people in supervisory roles it is clear that good customer service is not on their list of priorities. They all acknowledged that the employee should not have pulled my credit but refused to offer an resolution to the matter.
I purchased a XXXX Hyundia Accent for XXXX XXXX Hyundia on XXXX XXXX, XXXX the first contact had added costly services to include extended services, roadside, motor train, XXXX insurance, which at the time I had declined and asked the salesman XXXX XXXX to take out the services and charges. I called the dealer insisting the change or they could take back the care. XXXX responded its too late. I showed up to the dealership and spoke with the finance manager who kept claiming to be a XXXX as myself whom turned out to be dishonest and deceptive.The finance manager canceled the old contract provided a new one with a higher interest rate. He claimed Hyundia Motor finance would refinance a lower rate after 6 months.The total price was XXXX I made 22 payments totaling {$7700.00}. Today I called to find out the payoff and was told I owe {$13000.00}. The Rep ( XXXX ) explained more than half of my payment goes to interest and a {$5.00} daily interest rate is n't visible in the contract which is why she explains it to customers after the fact. I would have NEVER AGREED to that clause. I spoke to the elevation dept Rep XXXX who stated that Hyundia motor Finance will not change the APR even though I have two contracts from the Hyundia dealership. Hyundia is misleading customers, never called my references or verified my employment because they are taking advantage of female customers in an all men work place. The environment was very intimidating. They continue to call send emails and brochures to take back my care for a lesser price to put me in a more expensive car with old debt on top of the new payments. They are a foreign Entity misleading the XXXX XXXX with no Oversite. in XXXX these practices are going unchallenged and unnoticed due to a lack of education. I 'm asking for an investigation into Hyundia and a lower APR for misleading me twice. I have both contracts. Customer Service Rep XXXX then Escalating Dept Rep XXXX stated that Hyundia would not change the rate and does not refinance check with my Bank! Even though I went to a Hyundia Dealership to avoid this mess of small Mom and Pop and Bad Credit places I was treated Terribly after they got my first Signature and paystubs. I asked for a manger and XXXX placed me on hold came back XXXX min later stated manager was n't available yet. She asked if I would continue to hold or someone can call me back. I agreed to continue hold the it was silence then disconnected NO return call they have my number. I am asking President Trumps Administration To PROTECT the AMERICAN People from HYUDIA MOTOR FINANCE and companies like them.
Last year we had an issue with Transunion not updating loan information. I disputed it and finally had to file a complaint with Consumer Finance. The issue was corrected, however, it is a joint account and we have noticed that the information did not get corrected on my husband 's Transunion report. I 've contacted both, Transunion as well as the bank. Transunion stated that they did n't change information on reports and the bank stated that the information being reported correctly on mine is the same information being reported on my husband 's report.
We are first time home buyers. We bought our home in XXXX our mortgage was with XXXX for about XXXX months and then was bought out by GreenTree. In the year of XXXX our taxes had gone up from XXXX to XXXX. When we received our Escrow yearly statement XX/XX/XXXX it stated our mortgage was going up. We had the option to pay {$900.00} for the shortage with a permanent increase or do n't pay the increase but that too would be added in the new mortgage amount for a year until it was caught up. I paid the {$900.00} and mortgage went up over XXXX dollars more monthly. I was devastated as my mortgage is at a 30 year fixed rate XXXX FHA XXXX. My mortgage was {$2200.00} and climbed up to over XXXX and that was after I paid the shortage. There have been no tax hikes since then. This again, XXXX XXXX, I received my escrow yearly statement and again the mortgage company stated they were raising it yet again. Same exact thing as last year, I could either pay the {$900.00} shortage amount or it would be rolled into the new mortgage amount, this time it was even worse, my mortgage is now up to {$2500.00} dollars monthly, I could not afford to pay the shortage. I am so afraid of losing my home due to all of this as it does n't make sense. I called GreenTree and spoke to XXXX who is the supervisor, she was of no help and could n't really answer any of my questions. My taxes on my escrow are over {$4600.00} I asked her why, because they are XXXX yearly. She told me it was a projection for next year in order to protect me, she also told me that should could n't promise that it would n't happen again for next year! I told her, your company told me the same exact thing last year and that thank XXXX I had the money to pay the shortage then, as I would be in big trouble due to the hike in the mortgage this year. It 's no wonder people are losing their homes. She offered no help what so ever. I feel like something is n't right with this type of practice. I can not pay over shortage this year which is {$900.00} dollars again, now I am forced to pay {$2500.00}. I said to XXXX that this is supposed to be finance company, and their projections have been horrible, she said it was their fault as I was n't assessed correctly from last year. I told her, so I have to pay for your company 's mistake? How can my mortgage keep permanently climbing every year with out anything to show for it? There is nothing in my escrow, where is all my money!!!! I would deeply likely an investigation done on this company. I am so fearful this is going to happen again next year. I do n't want to lose my home. I have a XXXX spouse and just ca n't afford to pay much more in my mortgage. What ever is being taken from me, I want it back and I want to pay for the mortgage I signed on for in the beginning of all this. I have n't even owned my home for XXXX solid years and my mortgage has been raised over {$300.00} dollars per month. 

Any help would be greatly appreciated.
I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.
Date : XX/XX/XXXX Consumer Financial Protection Bureau To whom it may concern : Re : Transworld Sysytems # XXXX I submitted a complaint to your office on XX/XX/XXXX regarding Transworld Systems Inc. because of an attempt to collect a debt from me that I did not owe ; the complaint with the Consumer Financial Protection Bureau is listed under # XXXX-XXXX. Subsequently, I received a letter from your organization with a copy of correspondence from Transworld Systems that stated the matter was being closed because Transworld determined that I was not the consumer who owed the debt and Transworld said that they would have no further contact with me. 
On XX/XX/XXXX, I received yet another letter from Transworld Systems attempting to collect a new debt from me in the amount of {$17.00} with a license plate number that I have no knowledge of is not connected to my driving history. 
I am obviously disputing this new debt and I plan to send Transworld a certified letter indicating that I dispute the validity of the debt. However, I do not understand why Transworld Systems continues to attempt to collect a debt from me knowing that I am not the consumer who owes the debt, and seemingly without doing any work to identify the person who actually owes the debt. 
I am a XXXX-year-old woman who drives a 9-year-old XXXX vehicle. If necessary, I will provide your agency with information regarding my drivers license and license plate so that you can compare that information to Transworld Systems records. However, these constant letters from Transworld seem to constitute harassment and I shutter to think about how many senior citizens and other un suspecting consumers they are harassing without cause. 
Please assist me with resolving this matter. 
Best, XXXX XXXX
I have a problem with the auto and loan company I paid taxes title and registration fee but the the dealer never paid state of Texas or did paper work to transfer title and get license plates for the vehicle they filed for bankruptcy and I was stuck with a car loan with unfinished paperwork couldnt use the car because of no plates for months went with no answer just informed loan company that payments will be put on hold until we resolve the matter almost a year later I finally help them get a bonded title and shortly after they repossessed the car saying I owe them almost a year of payments and late fees
I AM XXXX XXXX AND I WANT TO TRANSFER MY BALANCE WITH MY CREDIT CARD COMPANY. I HAD A XXXX CREDIT LIMIT IN 2015 AND EVERYTHING WAS FINE. WITHOUT ME ASKING FOR AN INCREASE CAPITAL ONE INCREASED IT TO {$3300.00}. NOW I AM NOT ABLE TO PAY ALL THE INTEREST AND OTHER FEES CONNECTED TO THIS CARD. I NOW OWE OVER THE CREDIT LIMIT AND WHEN I MAKE PAYMENTS THEY ALL GO TO INTEREST AND THE FEES. I CAN NEVER GET AHEAD. WHEN I CALL THEM WHICH HAS BEEN OVER 8 TIMES THEY SAY THEY CA N'T TRANSFER MY BALANCE TO THE CHEAPER 0 % ON A BALANCE DUE. IN OTHER WORDS THEY SAY THEY CANT GIVE ME THERE OFFERS OF 0 % BALANCE FOR MANY MONTHS. WHY WOULD THEY WHEN THEY KEEP CHARGING ME OVER {$70.00} EACH MONTH IN FEES AND INTEREST.
No warning was received on my 90 day fraud alert. I was only told by XXXX phone rep. today XXXX/XXXX/16 that many different names show up on my Social Security Number ( details not provided ). I provided my proof of my ID : Social Security card with my name and my Social Security Number, California Driver License/ID with old address, XXXX XXXX XXXX bill with my name and current address, SSA Publication showing my SSN card is the legal proof of my SSN number.
My issue is an account furnished by Target this account was paid in full as a charge off and should not be currently reporting as late. I have address this issue numerous times thru letters sent and no correction has been made nor have I received a letter saying its been verified or updated.
There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP
I applied for 2 loans with the same lendee. Loan Depot. They took all my information via phone, told me everything looked good. 
They asked me for {$850.00} to appraise, both properties. 
Then they denied my loan. 
They never bothered compensating me the {$850.00}. 
What can I do???
My loan servicing was transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to Specialized Loan Servicing , LLC, effective XXXX XXXX, XXXX. This was stated in a letter from XXXX dated XXXX XXXX, XXXX. My understanding is that I was to have received notice from Specialized Loan Servicing as well at least 15 days before the transfer. However, as of today, XXXX XXXX, XXXX, I have received no communication from my new servicer. 

I called Specialized Loan Servicing today. After a 15-minute wait, I spoke with a woman who was very polite and helpful with information I asked for -- she gave me my loan number, confirmed the payment address, and said I should be receiving a " welcome packet '' in XXXX to 8 business days. I do n't require any action at this time. However, I thought it important to point out that the company did not meet the notification requirement for a loan servicing transfer.
I was notified by court on XX/XX/XXXX to appear in XXXX XXXX COURT ON XX/XX/XXXX re : Garnishment filed on XX/XX/XXXX against me from Cooling & Winters Attorneys At Law. The judgement was from a creditor from XX/XX/XXXX. In XX/XX/XXXX it was handled by XXXX XXXX XXXX XXXX XXXX. A law firm that was sued her in GA for illegal practice Civil Action No. XXXX. This is basically the same firm with a different name. 
They have not proven I owe them any money/or that they can collect on a debt/hearsay owed. I was under a debit consolidation firm in XX/XX/XXXX which may have been in partnership with XXXX XXXX XXXX XXXX XXXX due to the fact they were also found to be fraudulent. I will be asking for validation of debit a Signatures or proof of contractual obligation to pay them. the are required by law to produce elements such as the original agreement account # & my signature. further more there is not a contract bewteen XXXX XXXX XXXX & myself. I will be going to court again tomorrow to fight this corruption.
XXXX XXXX is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed
I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails
Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago! 
They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank. 
They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!! 

Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation. 
They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping my money!!
To who it may concern : In XXXX 2016, I submitted a employment background investigation, and was informed I had collection accounts on my credit report. To my surprise, I was un aware of this debt, nor did I receive notice from the collection agency. Even to this day, I make them send things via email, because I do not receive mail. I immediately contact the agency to make payment arrangements and paying right away. Previous, I spent a year address things on my credit report. There should n't have been anything outstanding or negative. I was in dispute of the debt, however had to clear debt to complete clearance. Now, that I am down to the final payment of the debt, I was informed by XXXX of the credit reporting agency to have the debt removed it would have to come for the collection agency. I am requesting to have this debt removed because I was not contacted and given time to dispute this debt. It is impacting my negatively. Preventing me from being able to provide essential living things for my daughter and myself. The collection agency does report when payments are made, I have to continuously call in. Thanks in advance.