WillisBack/dataset-financial-user-claim huggingface dataset:
HUNTINGTON BANK CLOSED ALL SIX OF MY BANK ACCOUNTS, ONE SAVINGS AND FIVE CHECKING. THEY SENT US A REGISTERED LETTER WHICH WE RECEIVED ON XX/XX/XXXX. WE HAD UNTIL XX/XX/XXXX BEFORE THEY CLOSED ALL OUR ACCOUNTS. THE LETTER THEY SENT US STATED THEIR REASON AS " ACCOUNTS EXCEED OUR RISK TOLERANCE. '' THEY WILL NOT EXPLAIN RISK TOLERANCE AND WHEN WE TRIED TO PULL THE REST OF OUR MONEY TODAY, XX/XX/XXXX, THEY PUT A HOLD ON OUR ACCOUNTS AND NOW WE HAVE TO WAIT UNTIL THEY MAIL US A CHECK, WHICH MAY TAKE UP TO TWO WEEKS. WE NEED OUR MONEY NOW. OUR DIRECT DEPOSIT ACCOUNTS ARE NOW MESSED UP FOR TWO MONTHS. THEY NEVER GAVE US ENOUGH TIME TO SWITCH BANKS. THEY WOULDN'T RETURN PHONE CALLS FOR FIVE DAYS AND WOULDN'T GIVE US THEIR NAME EITHER, IT IS TOP SECRET TOO. WE HAVE BEEN DOING BUSINESS WITH THIS BANK SINCE XX/XX/XXXX.
Allied Interstate keeps calling my work even though they are told not to. They are also calling my coworkers ' numbers.
I used to bank with navy federal and every time my loan became delinquent navy federal would freeze my bank account until I made a payment to them. I here that there is a law suite about these type of ordeals happening and am wondering how to attach myself to the law suite .
Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.
My daughter has a auto loan with Santander, she has had the loan over XXXX years. She still owes as much on the loan as she originally paid for it.. Her interest rate is 20.76 %. She was approved for a loan she could not afford. I have talked with XXXX XXXX at Santander and I talked with the woman in charge from the office of their president. She said no they could not help. They also refuse to refinance their own loan ... I asked for forgiveness on the late charges. answer was no. I asked to refinance, answer was no. i have helped her and she is now up to date. She signed this loan agreement. she was foolish. However i do feel like this company is taking unfair advantage of people. High interest rates. I wish they had just turned her down for a loan. I do not think she fully understood the terms of this loan. However no one twisted her arm. she was just stupid, and that hurts. Predators take advantage of stupid and foolish people
In 2014 I became unemployed and XXXX Credit cards through XXXX XXXX began collection efforts on my past due account. I called them and tried to work out a plan to get current, however they sent the account to XXXX XXXX XXXX XXXX. I filed for Chapter XXXX bankruptcy because many creditors would not work with me, and closed my account. However, XXXX XXXX continued to badger me for payment, I agreed to a payment plan because they harassed me. I found out later that in bankruptcy they must stop calling and all collection efforts. XXXX XXXX and XXXX both were notified of my bankruptcy and that I represent my self, they were sent the notices of hearings and did not attend any of the hearings, they would not reaffirm my account and keep it open and XXXX refuses to stop the collection automatic debits they harassed me into accepting. I have stopped payment with my bank, but they change the amount of collection and the debit goes through because the amount does not match exactly. I have written them of this bankruptcy, called them about these payments, they are rude and tell me to call back the next day to talk to an analysis, the analysis is not reachable they keep me on hold for upwards of 20 minutes and I call again and get the same treatment. This company is taking payments from me even though I have notified them of the bankruptcy, they refuse to stop or return the money taken against the law of bankruptcy. I have reported them to the bankruptcy trustee, but I still get no results. What do I do to stop this harassment, on the phone they tell me that they do n't have to stop the payments and that I must have a lawyer call them, I explain I represent myself, but that does not matter to them.
I was deceived into credit card charges of {$26.00} ea. month when I thought it was for {$1.00} for a credit report from experian. I 've tried, for well over a year, to get experian to stop charging my credit card. I 've called, more times than I can count, reported this to my credit card company and even cancelled the card ( twice ) and requested a newly assigned account number. Somehow, experian still charges the card ... every month. When I call them, they tell me different stories. They hang up after long hold times, say they 're going to cancel the charges and do n't do it or they might say they ca n't find the account and it goes round and round ... wasting my valuable time and money. They will not stop charging the card! I do n't know what to do and then I wondered how many others have had this same problem. So, I searched and found many others! I 'm thinking I need an attorney but this is ridiculous ... right? I found there are class action suits and experien needs to be listed. I left a message with XXXX. I 'm going to try to find one or create a suit to get money for all my wasted time or months I could n't call and they charged me. It takes time ( I do n't have ) on the months, when I call my credit card company, for me to continually request they take the charges off. But they keep telling me to call and stop the charges through experian. I 've spent hours and hours on the phone. XXXX XXXX does n't seem to be able to block them from charging each month. It 's like I 'm caught in some twisted twilight zone  episode of the ruthless, greedy and relentless stalking company ... '' experian! '' I 'm so tired or taking to representatives, supervisors etc ... who do nothing to stop these charges. Please help me. Something needs to be done to stop this.
Bank purposely posted largest amount first, then smaller to get  3 nsf fees instead of one. E ven though the smaller items were posted first.
I have contacted Equifax beginning in XXXX XXXX when I obtained a copy of my annual credit report and noticed inaccurate information on my report. There were 9 hard inquiries reporting that I did not authorized. I immediately contacted Equifax and they took my information over the phone. A couple weeks later I received a letter stating the inquiries would remain on my credit file. I had the same inquiries on my XXXX and XXXX XXXX reports and they removed them without any questions and issued a fraud alert on my file for future protection. To date Equifax refuses to remove the unauthorized credit inquires despite my numerous phone calls and letters. I am requesting that the following credit inquires be removed from my credit file : 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 XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX
After being relieved from my lease due to a breach in contract and vacating my unit XX/XX/XXXX I received an email from a representative at XXXX for a move out statement on XX/XX/XXXX claiming I owe {$770.00}. On XX/XX/XXXX I  disputed the balance as inaccurate and after that I didnt receive any further communications from this company verifying that this debt is accurate. I received an alert from the credit bureau stating that a new account was added to my report so I checked it to see that XXXX had sent a bill to collections with an entire new balance in the amount of {$860.00}. So instead of verifying the accuracy of the fees from the move out statement, they added more fees on top. I had not received any communication from the reporting agency or the original creditor since I disputed the original statement on XX/XX/XXXX so I was unaware that it even existed and was not given the option to dispute it or revived any notice of said debt before it was placed on my report in XX/XX/XXXX. I have recently reached out to the original creditor and they are also refusing to provide me with any validation. I have timestamped photos from the day of the inspection showing the unit was clean, I have copies of the exchange of emails between the community manager and I, and I also have a portion of my lease where it shows that they violated the terms for a move out procedure and sent this account to collections while completely ignoring my dispute. The only correspondence I received from XXXX was for a bill in the amount of {$55.00} that was sent on XX/XX/XXXX.
This collection is my they called m y one time a nd confirmed, That collection belong to my father I do n't know how they got my information no body knows my social security they are stilling my identity they obtained my personal information without my consent.
I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to Portfolio Recovery and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time Portfolio Recovery calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.
On XX/XX/XXXXat XXXX XXXX  I contacted Pro Collect Inc concerning a debt that reports on my my credit report from XXXX XXXX XXXX. I asked for proof of the debt and I was sent a ledger from Pro Collect. I did not receive a copy of a lease or proof that they were trying to collect a valid amount. They did not send anything with my signature on it to prove that i had a valid debt or contract from XXXX XXXX XXXX. They informed that they sent letters that was never received concerning this account. The ledger is not a signed document to prove that this is my debt nor does it show the valid amounts according to any lease agreement that binds me to this debt. This situation has been going on for over a month and I have still haven't received any follow. The letter that accompanied the ledger stated that their client the OC contends that this is a true and valid debt. This being on my credit report is not only messing up my credit but it is preventing me from receiving credit from potential lenders. I need this information removed from my credit report because it violates my rights and it doesn't show any validity of any debt or any correct amounts. How could I owe {$790.00} For rent, {$670.00} for reletting fees, {$790.00} for termination fees, {$740.00} for damages like trash, cleaning, misc., paint and locks plus rent in the amount of {$790.00} for each month from XX/XX/XXXX to XX/XX/XXXX that's almost {$2400.00} and late fees of {$450.00} totalling {$5800.00} with No such proof. How could I move out in XX/XX/XXXXand owe all of this money before I even moved. Not my debt and this debt is not valid. I am demanding that it be removed because my rights are being violated and demanding a contract with my signature that says I agreed to pay this or a agreement with my valid signature.
I recently noticed 2 accounts on Transunion that do not belong to me. Please remove XXXX # XXXX ... and XXXX # XXXX .... I have tryed both companies to release information and proof incleding signatures and copy of Identification to me and neither could produce anything or could find me in their records.
I  have sent a Mutilpe Inquiry l etter on  XXXX    XXXX  ,2017 and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a letter  XXXX  days l ater that meant they did not investigate whether or not th e inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.
This same debt has been placed on my credit since 2013, this is incorrect and needs to be removed as it is preventing me from buying a home.
I mistakenly electronically paid my Wells Fargo credit card instead of my Wells Fargo Mortgage. I realized my mistake and called the credit card people and they assured me they could and would transfer those funds to Mortgage. Countless calls, many assurances that it has been fixedand I am receiving collection calls. I have invested about XXXX hours on hold and still ca n't get this fixed.
Have paid off principle balance but payoff balance continues to increase. Most recent statement shows " total balance '' owed as slightly over 300.00. However, payoff is over 640.00. Company states it is due to fees but then why are those fees not listed/included on the statement? Made payment of XXXX in XXXX and payoff amount increased for XXXX with no principle balance due?
On XXXX XXXX, XXXX, I learned that I was among the millions who had their data compromised by the Equifax hack. The massive leak was discovered on XXXX XXXX, but reporting took over a month. 

Equifax has offered a protection service, but included an arbitration clause, which I am unwilling to agree to at this time. 

I have ( through another reporting service ) placed a 90 day fraud alert on my file, in case the worst happens. 

I understand that Equifax was the victim of this hack, but their sole job is to keep consumer information safe and secure.
I 've repeatedly gotten calls from Penn Credit Corp. I called today XXXX/XXXX/16 to have them stop calling and talked to a XXXX XXXX who stated she was looking for XXXX XXXX. When I ask for the first name she was very elusive. My name starts with a XXXX, but I have no outstanding bills that a skip chaser would be looking for me. I requested the calls stop and stated that I would file a complaint to insure they did. The address for Penn Credit Corp is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.
Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.
On XX/XX/XXXX, I received a statement from Ally Bank that I had been denied for an auto loan when I went into a dealership on XX/XX/XXXX to receive financing. They had ran my credit with 3 different credit bureaus : XXXX, XXXX, XXXX XXXX. Ally Bank only reported my scores for XXXX ( 800+ ) and XXXX  ( XXXX  ). I was denied an auto loan based on my low innaccruate score from XXXX. When I tried reaching out to XXXX to dispute this credit score, I receive no response back and their phone line goes straight to voicemail during normal business hours. I called Ally Bank and they said they've never heard of XXXX before and that they usually go through XXXX. I believe XXXX is a scam credit bureau and I was denied approval for an auto loan due to this company and I have no way of disputing it.
SO AFTER VIEWING MY CREDIT REPORT FROM XXXX AND DISPUTING SOME ITEMS OVER AND OVER AGAIN AND THE ITEMS ALWAYS COMING BACK AS " VERIFIED AS ACCURATE '' I DECIDED TO CONTACT THE DISPUTE DEPARTMENT OF XXXX AS WELL AS XXXX. IMAGINE MY DISAPPOINTMENT WHEN I ASKED THE REP " WHAT EXACTLY IS THE INVESTIGATION PROCESS '' AND SHE REPLIES " WE DO NOT INVESTIGATE, WHEN A CONSUMER CONTACTS US ABOUT AN ACCOUNT ON THEIR FILE ALL WE DO IS PUT IT IN XXXX AND IF THE INFORMATION MATCHES AND THE CREDITOR SAYS IT NEEDS TO STAY ON YOUR ACCOUNT THEN THAT IS WHAT WE DO. SO AT THAT POINT THE FACT THAT I HAD TWO OTHER SOCIAL SECURITY NUMBERS ON M XXXX ACCOUNT MADE SENSE BECAUSE THEY DO NOT CARE ALL THEY WANT IS MONEY AND WHATEVER AN FRAUDULENT CREDITOR WANTS TO PUT ON THE ACCOUNT IS FINE WITH THESE COMPANIES. SO WHILE TALKING TO THE REP FROM XX/XX/XXXX AND COMPLETLEY BEING SHOCKED I ASKED HER IF I COULD TALK TO A HIGHER UP DEPARTMENT AND I WAS TRANSFERRED TO THE EXECUTIVE CUSTOMER SERVICE DEPARTMENT WHERE A LADY NAMED XXXX CONFIRMED WHAT THIS LADY SAID. THERE IS NO INVESTIGATION. XXXX DOES ALL THE WORK WHICH EXPLAINS ALL THE INQUIRIES THAT HAVE BEEN ON MY XXXX REPORT. I CONTACTED THE ABOUT A LETTER THAT XXXX XXXX  SENT ME A WHILE AGO ABOUT A FRAUDLENT INQUIRY SAYING THAT THEY HAD SENT THE LETTER OUT TO XXXX AND XXXX ASKING THEM TO REMOVE THE INQUIRY. THEY HAVE NOT REMOVED THAT ACCOUNT AT ALL. I HAVE DISPUTED XXXX, XXXX XXXX XXXX XXXX XXXX SO MANY TIMES AND WHEN I CONTACT XXXX AFTER THE " INVESTIGATION '' IS OVER AND AS THEM FOR INFORMATION SUCH AS WHO DID THEY CONTAT AND A NAMEAND ADDRESS AND POSSIBLY A PHONE NUMBER THEY REFUSE TO ANSWER THAT. NONE OF THE COMAPNIES LISTED ABOVE WILL VALIDATE THEIR DEBT WITH ME AND I HAVE CONTINUED TO MAKE CONTACT WITH THEM SEVERAL TIMES BUT THEY NSIST ON IGNORING ME. YET THE CREDIT BUREAUS SUCH AS XXXX CNTINUES TO UPDATE MY ACCOUNT AND ADD NEW ACCOUNTS. I DONT UNDERSTAND THE PURPOSE OF REGULATING THESE COMPANIES IF THEY ARE GOING TO CONTINUE TO PLAY BY THEIR OWN RULES. THE FDCPA GIVES ME THE RIGHT TO ASK FOR A VALIDATION OF DEBT. IT ALSO SAYS THAT ALL COLLECTION ACTIVITY MUST CEASE WHEN A DISPUTE IS GOING ON SO HOW CAN A CREDITOR VERIFY AN ACCOUNT AS ACCURATE IF IT IS IN DISPUTE. I M ASKING THE CFPB TO GET INVOLVED BECAUSE IT 'S ALWFUL THE WAY XXXX DOES IT CONSUMERS. GOD FORBID YOU ASK TO SPEAK TO A SUPERVISOR BECAUSE YOU WILL EITHER ASKED TO GIVE A CALL BACK NUMBER OR HAVE THE PHONE HUNG UP IN YOUR FACE AT XXXX. I HAVE UPLOADED INFORMATION AS WELL AS SENT IN LETTERS AND THIS CREDIT BUREAU HAS COMPLETLEY IGNORED ME AND I CONTINUE TO DISPUTE THIS INFORMATION! THE LAWS HAVE TO CHANGE FOR THESE BUREAUS ONCE AGAIN AND THERE CLEARLY NEEDS TO BE BETTER REGULATION BECAUSE THEY ARE NOT LISTENING OR EVEN INVESTIGATING THE MESS THAT THEY ARE PUTTING ON OUR CREDIT REPORTS. SOMEONE HAS TO STAND UP FOR THE CONSUMERS BECAUSE THESE BUREAUS ARE ALL ABOUT A PROFIT AND THEY ARE HURTING US AND OUR ABILITY TO LIVE.
I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with Citi Mortgage that was opened in XXXX. This was brought up because they pulled my XXXX Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.
I received a loan of {$3500.00} from Rise Credit 3 months ago during which time the company never advertised the loan as a payday loan. I had an installment agreement and the payments were scheduled to be automatically deducted from my bank account at the end of each month. I began to review my balance on my account after payments and noticed my balance actually increased by the end of each week. I recently contacted a representative at Rise Credit and was informed the " loan '' accrues interest on a daily basis and that a majority of my monthly payments was actually being used to pay accrued interest. In other words, my balance will decrease at a very slow rate over a very long time period. I informed the representative none of this was ever stated to me when I applied for and was approved for the " loan ''. His response was " well this is how a payday loan works ''. I informed him I would have never accepted a loan with a daily accrual of interest. Is this loan legal in the State of Georgia? I am trying to figure out a way I can legally address this loan which is undoubtedly under what is best described as a shark tactic lending process.
Disputed multiple credit inquiries on credit report on  XXXX   XXXX ,  2017 . The credit bureau responded after the 30 days indicating that they were unable to " read '' my request. However, other than my signature that document was completely typed. This delay tactic has occurred each time I dispute with the credit buruea.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
In my credit report it shows 2 late payment to my mortgage company ( Ditech ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under XXXX law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
I fill out the application for credit card and was denied because I have good credit. Sun, XXXX XXXX 2017,  american express denied me for credit card and place an hard inquiry to my credit report which lower my chances to reapply and get approve.
For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity