WillisBack/dataset-financial-user-claim huggingface dataset:
It was necessary to unfreeze my credit score in order to co-sign a real estate loan for our daughter. This is an urgent and time sensitive family matter. I have tried 2 times in the last 24 hours to unfreeze my credit at Experian, receiving a confirmation number and it is still unclear that the freeze has been lifted. The mortgage co was unable to access my credit score today, after my 2nd go around with this company to lift the freeze. 
It is IMPOSSIBLE to locate a live person on the phone with this company. I did use the chat function today with an Experian representative who was completely incompetent, after I explained numerous times what my problem was, that I needed to make sure my credit report is unfrozen, he " researched '' and came back with comment that he " saw no free offers on my acct. '' He wasted my valuable time. 
This is completely unacceptable. I did not give my permission for this company to have access to my credit in the first place. I have been forced to put freezes on all my credit reports because of the nation wide breech some months ago. MORE INCOMPETENCE.
In XX/XX/2010we purchased a vehicle financed through this company. We believe that we were unfairly taken advantage of. The interest rate was way too high. The cost of the vehicle was $ XXXX, by the end of the term we will have paid this company $ XXXX but I have a balloon payment of $ XXXX left at end of term that the company says comes from interest that they are willing to refinance at another ridiculous rate. At this point, I am ready to take legal action against this company. This was a shark loan from a company with immoral business practices. I see where they have had class action suits taken against them about the same unfair practices. I would like to open another class action suit against this company to give some relief to people that may be in the same situation with them.
Diversified consultants provided me with documentation that does not state for the debt amount they are asking for which also did not provide me with the documentation of the debt within five days that I contact the company on XXXX/XXXX/2016. When I talk to the original creditor. The original creditor respond to me that it is about another debt. So diversified is using fraudulent papers in order to get me to pay some one else debt. So in order to get this issue resolved. I am asking diversified to immediate delete themselves off my credit report.
On XX/XX/2018, we placed an online order for a hotub with XXXX 's XXXX. XXXX 's took the money from our account the day after the order was placed and 2 days later put the funds back into our account. Approximately 5 weeks later we attempted to obtain status of our order and were told by XXXX 's that we did not have an order because our payment did not go through in which we explained it was initially taken and then returned to our account. Based upon this, we offered to pay on the spot under the condition that we would not have to wait another 6 - 8 weeks and we were told that was not possible. We therefore received written confirmation from both XXXX 's XXXX and the 3rd party vendor who manufactures the hot tub that our order was indeed cancelled. At the end of XX/XX/XXXX, XXXX 's again withdrew the {$6500.00} as payment for the hot tub that was cancelled. We disputed the charge and our money was returned to us. We have provided USAA Federal Savings bank all the documentation evidencing that the order was cancelled on 2 different occasions and received confirmation that it has been received. On Monday XX/XX/XXXX, the {$6500.00} was once again taken form our account over drafting the account approximately {$4000.00}. The money was taken a full 10 days prior to the deadline issued by USAA and the documentation to evident the order cancelled has been confirmed received by USAA. We have repeatedly requested immediate resolution to this matter since it was their error and no one has been able to return the money to our account. We are asking that this be rectified and would like to know our consumer rights for damages.
I have contacted representatives of this company since XXXX of 2017 to remove there report of a debt the was already paid to their client prior to them contacting me. I have been threatened, called a liar and fraudulent when asked to provide them with my proof after being declined. They have no interest in resolving this issue professionally and never sent me any documents prior to my knowledge of them nor after requestesting all information in regards to this debt they claim I still owe. Their client, XXXX XXXX XXXX is no where to be found on BBB or online anywhere yet they refuse to remove the negative reports to credit bureaus. Whenever i seethe words of lawyer, lawsuit, original documentation, I am hung up on. This isnt right!
Set up a plan with XXXX XXXX XXXX ( XXXX ) for my Best Buy Credit Card. 
Thought everything was clear and I was already paying extra to ( XXXX ) I thought my automatic payment would stop and I would stop. 
I was billed by an automatic paymen. 
I called Best Buy for the reimbursement they stated it was against the law for them to reimburse. 
I mentioned that a payment would be posted soon. 
They said that they could not I asked for reason along with documentation showing where that it states that its against the law. 
They told me they did not have time.
GOOGLE WALLET DONT TAKE CREDIT CARDS BUT CHARGED MY CREDIT CARD AND ON TOP OF THEY THEY CLOSED MY ACCOUNT AND FAILED TO SEND ME THE MONEY LEFT IN MY ACCOUNT
I'm 9 days late on my auto loan payment who I have through Huntington Bank. Today I received a call from them on my cell phone, which i sent to voice mail because I'm currently in my office at work. Immediately after that I receive a call on my office line from Huntington Bank. 
Here 's the issues : 1. I told them when I gave them my office number that it was not to be contacted at any point in time as it violates company policy. 
2. The representative, XXXX made several false statements during the call on my office line : She state that multiple voicemails have been left on my mobile number - not one voicemail has been left She stated that she was allowed to contact me at work to collect the debt - false that violates the FTC regulations She stated that multiple emails were sent - again false because I have not received any She stated that notices were sent - again false I have not receive any communication. 

I'm only 9 days late - so there wouldn't be this amount of communications she is therefore lying which is against the FDCPA. 

When I informed her of the FTC regulations and the violations that she was doing she started to argue and ask me about my payment history, my finances, all of this on a line that they were not to contact me at about personal matters!!! - which is abusive towards me the consumer
I paid my walmart store card balance in I full a hold has been placed on my account for out if pattern payment ( still on hold ) am told it can take XXXX days asked XXXX badge # XXXX if i can expect this XXXX month and she told me it certainly was possible for " out of pattern '' payments
Equifax experienced a security breach that affects 143 million individuals. I checked their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to determine whether or not I was potentially impacted, and the results say that I  am. 

I have requested a 90-day fraud alert to be set up so that I am aware of any attempts made at stealing my identity.
The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX/month when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.
I am placing this issue in the Consumer Protection Agency as my previous XXXX call to Macy 's Finance on this as the person handling the call was disinterested. I was given no reference #. The CSR heard " divorce '' and demonstrated no patience from then on. 

I ask : Why should one divorced spouse 's late charge card payment damage the other spouse 's credit? 
In XXXX XXXX, my former spouse, years after divorce, made a late payment ( 30 days past due ) on her Macy 's card ( XXXX ) an oversight on her part ). I had no idea my name was still associated with the account. Macy 's placed this late payment on my credit report, even though I do not receive, pay or have access to my divorced spouse 's bills. How could I possibly know enough to be responsible for this payment? My name was to be removed from this account as part of the divorce. 
Even further, though I have excellent credit and on-time payment history, including for any number of charge cards, I was turned down for my own Macy 's card based on this one item. For decades, Macy 's has been my favorite store. Why turn away good customers? On principle, though reluctantly I avoid shopping at my long-term favorite store. 
I ask Macy 's to consider how unfair and harsh it is to ding a person 's credit report when he is divorced, has no access to the bill in question, and was told his name was being removed from this charge card years before this charge occurred. 
I ask Macy 's to : a ) Remove my divorced spouse 's XXXX XXXX late payment from my credit report b ) Confirm my name is no longer associated with the Macy 's account ( as I had originally requested. 
I greatly appreciate Macy 's consideration of this issue and my request.
Warner Asset Location Services have called numerous and countless times to people I am associated with and with people I do n't even know but know a relative of mine. They are claiming that its a fraud claim for a loan.     This company has been harassing me for the past  three months. They call about three times a day, not to just my phone number but to my cousins, sister, brother, even to my uncle 's friend that I have never met. They contacted my Uncle 's friend to get my Uncle 's phone number to get my phone nu mber.   XXXX  never once has this company sent me a letter of collecting a debt etc!   XXXX  They wont even tell me the name of their " client '' that 's supposedly trying to collect this fraudulent debt i supposedly owed.
The letters sent went to addresses that I no longer lived at. Both of these addresses had permanent forwarding addresses. 

This leads me to believe that these letters were never sent. I did not get proper notice before these loans went into default.
This complaint is with fed loan servicing Servicing company for Department of Education  As  of    XXXX    2015    Fed loan servicing has me marked 120 days late in my credit report.   I have proved to them with my p aper work three times that I was never late or missed payments, and three times I got back ( my claim is  denied ) How can I go about this?
We have our mortgage and checking account with Chase. On XXXX XXXX, 2016, we mailed a mortgage payment to Chase bank, along with a Chase provided payment coupon with our mortgage information pre-printed on it. On Friday, XXXX XXXX, we realized that the check had not cleared. We called Chase to make a mortgage payment over the phone so that our mortgage payment would not be late, and to put a stop payment on the original check. We did not feel that we should have to pay the stop payment fee since Chase had not cashed our check in a timely fashion. After initially making the excuse that the US Postal service could have lost our check, the customer service rep agreed to waive the stop payment fee. After verifying twice that the transaction was complete, we ended the call. On Sunday, XXXX XXXX, we realized that we only had {$49.00} in our bank account. Both the check that we mailed and the phone payment had gone through. We called the bank. After approximately 45 minutes on the phone, we managed to kind of straighten out the situation. We were told that it could take up to 12 hours for our money to credit back to our account. We had to further argue that since we had planned to do our weekly grocery shopping that day ( Sunday ) and fill pharmacy prescriptions, that we did not want to be responsible for any overdraft fees. We were also told during the conversation on XX/XX/XXXX that the stop payment fee had been waived on XX/XX/XXXX, but the bank never actually stopped payment on the check, which makes no sense but does prove that Chase was negligent in it 's fiduciary duty, since our money was not available to us. It is apparent that the bank both had our check and failed to cash it in a timely manner. We acted responsibly to make sure our mortgage was paid on time, only to have our bank account nearly drained, and then had to fight to not pay any fees when Chase was clearly at fault. This scenario was n't just inconvenient, but just another example of Chase bank 's bullying and extortion of the American people. We were previously dual tracked when attempting to modify our loan with Chase and were only able to keep our home because we filed for personal bankruptcy, which was both demoralizing and embarrassing. We continue to be victimized and pushed around.
The now defunct GreenTree Mortgage Servicing, in addition to having wronged us in all ways you made judgements against them in XXXX 2015 ( which we did not know about until today ) continues to report our old mortgage as delinquent and unsettled to the credit bureaus, two years after the sale of our home and AFTER sending us our PAID IN FULL stamped documents. We made 12 years of on time in full payments to them and I ca n't get anyone at Ditech, who bought them, to help us. We just want it off the credit reports. It 's our only black mark and its trashing our scores.
I have been looking for a resolution from anyone that can assist me and it went on deaf ears since my first purchase of a  XXXX   XXXX   XXXX  as a co-signor with  XXXX   XXXX , and my  XXXX  purchase of a  XXXX   XXXX   XXXX  with the same problems. I complained to  XXXX  multiple times regarding the engine stalling on me. It would turn off in the middle of  the street from  the first year of purchase. When the car had  XXXX  miles on it I took it into  XXXX  due to the stalling issue. They could never find anything. This happened several times and I kept returning the car to  XXXX  and requesting the all points inspection to determine why the car was stalling. Nothing was found. I called  XXXX  and sent emails to the  General Manager t o no avail. I finally had to return the car because it was too scary for m e to drive w hen it would stall and my children were in the car. The person for whom I co-signed had the same problems with the car. He brought it into to the dealer many times complaining about the stalling issue. He was almost in an accident because the car stalled on him when he was making a left turn. My credit has suffered due to the neglect of others not listening to a woman when purchasing a brand new car. ALLY had this predatory lending issue and I 'm not sure if  XXXX  is part of that conspiracy. I received a very small portion of my lending fees fro m Ally  when the CFPB f ined Ally. I was not knowledgeable enough to know within that time span I was given a balloon loan due to the color of my skin according to the lawsuit against Ally. Now Ally  is harassing me until  XXXX  as if ruining my credit was n't enough. I 'm not sure if  XXXX  was part of the lawsuit but what I am sure of is that I purchased a  XXXX   XXXX  and they both had the same stalling issues. I called and emailed everyone I could think of and have the documents to prove it. I sent emails asking for help from the mechanics at  XXXX  and their supervisor. I was told " If the light was n't on to indicate where the problem is they wo n't know. '' In those words exactly. I was also told " If the car stops while you 're driving, at least it wo n't be your fault ''. I have  XXXX  kids and I service   XXXX    learners. There was no resolution. I took the car in to the service department over and over again for months with no resolution. When the cars were returned, my new car interest rate is high, and  my credit score  is really low. Each time I dispute and rant I receive no acknowledgment of my distress and no credit resolution. Then I found out that the  XXXX  is plagued with these problems since  XXXX ! How could  XXXX  not know this issue with the cars they sold? I am a victim of  XXXX  and  Ally 's   predatory selling and lending and demand the CFPB review  XXXX  an d Ally . I now have  XXXX  collection accounts for these bad cars when  XXXX  should not have been selling them. Dealers and lenders are not supposed to prey on consumers.
I took out NJClass student loans through HESAA during my time at XXXX in XX/XX/XXXX-XX/XX/XXXX for which my mom was a cosigner. The initial loans we took out totaled approximately {$80000.00} w/ a 6 % interest rate. My mother went into a 5-year bankruptcy in XX/XX/XXXX. The student loans could not be discharged through the bankruptcy, as she was a cosigner. It was not until this year ( XX/XX/XXXX ) once her bankruptcy was completed that HESAA, the administrating agency of the NJClass loans, reached out to my mother to inform her the loans were in delinquency and now totaled approx. {$130000.00}. 
During the course of her bankruptcy, HESAA did not contact me ( the direct loan borrower ) to inform me of payments, increased interest rates, and that the loans ultimately went into delinquency until my mother 's bankruptcy ended. 
My mother paid up currently to get them out of delinquency as of this month ( XXXX XXXX ). 
I am trying to consolidate the loans and maybe refinance them, as my current monthly payment is {$1000.00}, which I ca n't realistically afford. 
During the time of my mother 's bankruptcy she tried to consolidate the loans but they were never accepted yet NJClass continued to run up the interest on the loans without informing my mother or me. 
NJClass loans are private, which limits the options borrowers can look into for repayment. HESAA does not offer any loan forgiveness or modification programs. They also do not offer income-based repayment plans for NJClass loans and they refuse to work with borrowers to offer more affordable monthly payments. They only offer consolidation. I tried to consolidate the loans directly under NJClass and was denied approval based on my income. 
In short, I 'm looking to get the loan payments down to something manageable so I can work towards paying off the debt but this is extremely difficult when legislation favors HESAA and the bills regarding NJClass loans still will not help many people in my situation.
A debt from progressive insurance was placed for collection after I cancel and switched to another company. the account was removed off of my credit in 2014 from Credit collection services, llc the debt was recently paid to credit collection services in full. looking at my credit report credit control services has it on my credit so XXXX collections agencies was collecting on the same debt. I want this acct to be removed immediately.
I have been requesting verification of the following account that Experian continues to report on my credit file. California Federal Court-XXXX XXXX # XXXX. XX/XX/2018 I sent letter requesting document on verification of this acount. On XX/XX/2018 Experian responds with account verified with no document on how account is verified. I called Experian asking how account was verified they state it was verified with original furnished. On XX/XX/2018 I sent a letter to California Federal Court-XXXX XXXX. They sent back a letter state, We do not verify information for credit reporting agencys. I called Experian after receiving letter stating California Federal Court-XXXX XXXX do not verity account and requested how was this account verified. They stated a third party verified the acccount but they can not provided with the name of the third party. XX/XX/2018 I sent Experian the letter from the court and demand documentation on how this account was verified. Experian again state the account was verified and not provide proof on how account was verified. Under the Fair Credit Reporting Act 15 U.S.C 1681g Experian have to funish documentation on how account is verified. Also Equifax and TransUnion was unable to verified account, how did Experian verify when the other two bureau was unable to verify and deleted account.
I have contacted Credit Recovery Associate in regards to a collection for XXXX that they are reporting on my credit profile. I have disputed this with the credit bureaus as well and getting no where. This debt is not mine but this company continues to try to collect this alleged debt from me. This company is not following FCRA in regards to reporting information. This company can not produce any documents with my signature or contract where I signed a agreement with the company.
I was XXXX in XXXX XXXX. This past XXXX, XXXX student loans accepted my Federal XXXX determination and discharged my private student loan ( my doctor also completed their form ) but Navient Student Loans ( previously XXXX XXXX at the time the loan was taken out in XXXX ) has refused. I am still in need of XXXX and can not work full time. I also attended the XXXX XXXX of XXXX. Navient refuses to even consider me for deferment or forbearance.
I have a referral bonus of XXXX XXXX XXXX XXXX ( XXXX ) plus XXXX additional XXXX points awarded to my account. As of XX/XX/XXXX and after several attempts at contacting American Express to resolve and transfer points to XXXX, I am continually being given different issues about why they are unable to transfer. My last contact was thru online chat and twitter direct messaging @ AskAMEX on XX/XX/XXXX. There should be no issues with my account and these points should have been transferred in XX/XX/XXXX.
Good day!

I was trying to get a approval to buy a house and I received this report on my Experian credit bureaus that I was late on XXXX XXXX  for 60 days in XX/XX/XXXX and XX/XX/XXXX month XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paidXX/XX/XXXX and XX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Experian bureaus.
I would like to know how to contact Havard Collections to close outa debt owed and to have it lifted from my credit.
This issue appears to be recurring in the last 6-8 months. I have had bill pay with Wells Fargo for several years. With their service I post date of transaction and then a drop down menu for date to be paid which I generally post and release 2-3 days prior due date. Within my own credit card with Wells Fargo I have been in the past able to post on the same day as due date without any interest charge. 
The last month they withdrew from my payment of {$1400.00} post date XX/XX/XXXX for withdraw XX/XX/XXXX with a due date of XX/XX/XXXX. 
This month statement I'm charged for a interest fee of {$22.00}. We have conversed through email and now they have taken payment out on XX/XX/XXXX of {$1400.00}. Now being displayed as 20 days late of payment. 
I am trying to build my credit and not sure of the recourse that I should take but this is not tolerable switching a payment out of my bill pay and posting that I am now 20 days late. I have paid in full for this to day XX/XX/XXXX with due date XX/XX/XXXX showing the it will not be delivered until XX/XX/XXXX. 

Pleas help
I received a call from I.C Systems. They asked me to verify who I was and I would n't do it. They asked to verify my address and I would n't do it but then I asked them why were they calling, but yet they would n't say why until I told them who I was and verified my address. After I would n't do that, the guy got really nasty with me and I hung up the phone and then blocked their number on my cell. However, they still call my cell house phone that I do not answer. Every time some one calls from I.C Systems, they refuse to tell me why they are calling until I verify who I am, but I refuse to verify anything because they wo n't tell me who they are.