WillisBack/dataset-financial-user-claim huggingface dataset:
Quicken Loans holds my home mortgage ( VA ) - on XX/XX/XXXX I had solar panels installed using a separate loan company. I contacted Quicken loans to see about combining the solar loan with my home loan to have one payment. Instead of doing what I requested they took it upon themselves to determine my escrow would be short {$1800.00} - even though I've check with the appraisal company and they have not increased my taxes. QL is now requiring me to pay and addition {$1800.00} in addition to my normal taxes without any documentation from the tax office. I applied for the Home Solar tax exception which I will hear back from in XX/XX/XXXX. However QL will not drop the increase on my home escrow until XX/XX/2019 IF i get the exemption. I'm curious how they can tax me when the appraisal district has not done so. Is this not taxation without representation?? I'm furious and have talked to several people only to get upset by them more and more. The last person said my only other option is to pay my taxes myself - after I get a XXXX balance with QL. I just want them to drop the solar tax increase, because they have no right to guess - especially when the panels were installed ( but not operating on XX/XX/XXXX ) and their site says they evaluate escrow in XX/XX/XXXX. They received my solar documents because I requested a combined loan - but they never bothered to do estimate the combined loan. I want them to drop the increase they are demanding I start paying on my XX/XX/XXXX payment.
I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. 

On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX  there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. 

In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied.
i was contacted by Rash Curtis and associates for a medical bill from some where in California and also have an address and phone number listed that has never belonged to me. I called them on 3 separate occasions stating that this is not my bill for {$990.00} and I had never lived at that address. I said I would be more than happy to pay the bill if they could provide me with any information at all proving it was mine. To date this has never happened. I also disputed this with XXXX  as they are the only credit agency that has it listed on my credit report. I do not know what else to do to get this bill that is not mine removed from my reporting.
Transworld Systems Inc sent me a letter dated XXXX/XXXX/16 claiming I owed them {$870.00} and offering me a XXXX % settlement. Two weeks later I called them requesting proof of debt. I also called the hospital, confirmed that I owed them NO money and that I had insurance at the time this charge may have been incurred. I tried to get the phone number of the creditor from Transworld and the request was denied. I was also informed by the hospital that they never worked with the creditor listed -- XXXX XXXX XXXX. 

It is now XXXX XXXX. I still have not received proof of debt. I called Transworld again this morning. The phone went immediately to an extension 's voicemail. That mailbox was full and unable to record messages. I went to Transworld 's listed website " XXXX '' to try to contact someone -- that website has been shutdown. 

I do not have money to buy my credit report to see if this charge has been listed against me. 

The address for XXXX XXXX XXXX is for an office building. The suite number was not provided. I have no way to contact them. 

The above leads me to believe that this is an attempt to steal money from me by threatening my credit score by illegally obtaining protected health information.
I financed a car with XXXX XXXX in XX/XX/XXXX. Since then it has been an absolute nightmare to deal with this company. I fell behind because I am experiencing medical issues. In XXXX I paid the account current. I checked several days later and it said my account was current through XXXX. Now somehow they claim I am a month behind again? I have been making payments of {$400.00} the past TWO months and most recently a payment of {$500.00} and they are still showing that my minimum amount due is {$850.00}? How can that be when my payment is supposed to be about $ 305 month? 

There payment system is atrocious as they do not process their own payments and utilize XXXX XXXX. I have notified these people about a change of address that was effective XX/XX/XXXX and they still process payments on my old address causing the payments to be returned because the address is incorrect. This is ridiculous. I have contacted them NUMEROUS times before with no resolve. Customer service reps are less than helpful and woefully incompetent.
Trans-U is showing negative information that is over XXXX XXXX XXXX. Mortgage XXXX # XXXX - XXXX is over XXXX years old. XXXX XXXX XXXX XXXX LP is not showing up on either Equifax or Experian. They have already removed this ....
I filed a dispute on XX/XX/XXXX to dispute fraudulent charge of {$5500.00} to m yXXXX card on XX/XX/XXXX after returning home from vacaction. Tried to cancel with vendor while on vacation and got the run around so did some investigating and found hundreds of the same complaints.I have called, written and sent supporting documents to the card company numerous times with the end result being they need a detailed letter describing the events surrounding my claim and the credit amount I am requesting! I have attached 3 letters and all the documents I have sent them 3x 's and have probably called around 20x 's! What more could they possibly need with all the documentation and complaints I have attached. I do not have proof of cancellation, since I could never speak or get in touch with anyone from the provider as everyone else in this same situation. This vacation company is a scam and are ripping off tons of people and XXXX chooses to ignore it! I know they have received other complaints against this company since their name is mentioned in many complaints!
When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. Account was then placed on my credit report.
Dispute # XXXXTo Whom It May Concern : After carefully reviewing copies of all three of my credit reports I discovered that I was a victim of identity theft. I immediately took action by filing a police report as well as contacting all XXXX of the bureaus. I have recently furnished them with the appropriate documents that would verify and validate my stolen identity. 

However, I have made several attempts with Transunion via phone, certified mail, and online corresponding to get an unknown public record ( Bankruptcy ) that does not belong to me removed. As to date I have not received adequate help in resolving this issue. I have become very frustrated with this ordeal. Upon some of my many attempts to resolve the above issue with Transunion, I have experienced phone reps with language barriers ( non English speaking individuals ) trying to help me, representatives providing me with false information such as ( i.e. stating that they did n't have to verify or validate the accuracy of the unknown bankruptcy on my report ). 

Also, upon my request to inquire about Transunion 's methodology for verifying the Bankruptcy ( that is falsely reported on my report ) I was told by a representative that they did not have to furnish verifying that information to me. In short, I went to the courts to inquire about the bankruptcy and the courts stated that they do not verify Bankruptcy 's or any other public records for anyone by any method. The Clerk also stated, " that the credit bureaus often put incorrect public records and bankruptcy 's peoples credit files because they never request verifying information because the courts ca n't furnish it and that they have never spoken to any at a credit bureau. '' Contrary to the above, Transunion has not verified the bankruptcy # XXXX nor furnished me with any proof that they have verified the bankruptcy ; nor will they assist me with help on how to verify that it is not my bankruptcy. 

Lastly, not only has Transunion left me with inaccurate information on my credit report ; they have perjured/misinformed me regarding their means of verifying the bankruptcy. In congruence with the above, this has greatly impacted my life in a negative way. I am unable to move forward with my career and educational endeavors.
I submitted a request for assumption back in mid XXXX XXXX. I confirmed reciept with Ocwen and I also called to verify that they had a complete package and they said they did. I also followed up on several occassions being advised that I would receive an answer shortly. It has been over two months since I submitted my complete package and today XXXX XXXX XXXX I received a call from XXXX XXXX at Ocwen advising that he needs all updated information and also he requested 2 new items a XXXX and an HOA statement. I advised that these were not requested initially and its now 2 months later and they are asking for new items? Ocwen promptly cashed my check for the assumption and today I am told that my file has not even been sent to underwriting at all.
The collection accounts were placed on my credit report by the collection agency after I filed chapter XXXX bankruptcy which was in XX/XX/XXXX. XXXX has removed all collection accounts from my record which include the XXXX listed below. Equifax refuses to remove them. 

The Results Of Our ReinvestigationCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor hasverified to OUR company that the balance is being reported correctly. If you have additional questions about this itemplease contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX ; Amount {$170.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXXCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is beingreported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX XXXX XXXX XXXX ; Amount {$93.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX
I was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband.
I had an account with XXXX XXXX and singed a two year contract. After five years I cancelled the contract, be fore canceling I called a representative at XXXX XXXX and they insured me their was no penalty for canceling. I never renewed or agreed to renew my contract. Shortly after that they sent me a bill for XXXX. I have made several phone calls to XXXX XXXX. They can not justify the billing.. In spite of this they turned the matter over to a collection agency and filled a negative claim to credit reporting agencies. I have contacted them buy phone and by mail, and they still have a claim against me. .
The money that was used to withdraw from my checking account is not going towards payments of my student loans. I reached out to my actual loan provider which is Navient and they ensured me that XXXX   XXXX XXXX is a third party company and none of my payments I have been making is going towards my student loans. Navient explained to me I am part of a third party student loan scam.
I submitted a request to get refi-mortgage options and was called by Quicken Loans on XXXX/XXXX/15. The same day the loan was setup. I had said that I wanted a 30 year fixed with {$0.00} at close and {$0.00} out of pocket. I was told from Quicken Loans representative that it could be done and began delivering information that they requested of me. By XXXX/XXXX/15 they had all docs and was sent to underwriting. Over a month went by and then I received a call from QL stating that I would need to bring bring money to close. ( approx XXXX ) I began asking how this could happen and explained to them that was n't our deal. I was told that I could step away from the refi in which I explained that rates had moved and I could not get the same deal with another mortgage broker. ( I was offered the same deal at the start of this process with another mortgage broker but went with Quicken Loan after they said via email " If I commit to there company right now they could do the same deal '' ) Now I am stuck with a deal which much different than what I was told with a higher interest rate/monies atclose and QL loan appears that they did nothing wrong. Even though they said they made a mistake as all of the calls are recorded. It appears that they bait and switch you and use predatory practices to get you in the door. I think its very unfair and that they have no integrity. I have some email communications that I cant save down from my yahoo account. Please let me know and I can forward them on.
Transunion should not be allowed to " Rubber Stamp '' my dispute with the company 's response. Of course, the mortgage company is going to say they are correct. I provided payment history to Transunion for the entire loan showing my payments were made and not 30 days late. This issue started with a minor dispute of my escrow account that XXXX XXXX ignored and they did not provide communication or statements. I contacted them numerous time by phone. This MINOR correction snowballed as XXXX was charging enormous and erroneous charges to my account. These were not even allowed if you read my loan contract. XXXX XXXX probably owes me $ XXXX. I went through proper channels with XXXX to no avail even though their President acknowledged their mistakes. They started foreclosure proceedings doing monthly inspections even though they received payment each and every month as well as I was in contact with them by email and telephone several times per month. They did not send anything in writing stating they were beginning these proceedings - also against the RESPA laws. Transunion has documentation from XXXX 's President saying they would reverse charges. I expressly inquired to XXXX if they had corrected my credit. They did not and should have. I have had bank mortgage personnel review my payments to XXXX and they were so messed up, confusing and convoluted the PROFESSIONALS could not reconcile my loan!!! WOW! 
Transunion 's response to my dispute - " We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified Mortgage Loan Number Loan # XXXX have contacted XXXX XXXX XXXX at XXXX and spoke with XXXX XXXX. According to their records, the late payment history reflecting for XXXX XXXX - XXXX XXXX is accurately reporting for XXXX XXXX XXXX # XXXX. '' XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX My original dispute to Transunion " XXXX XXXX has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). '' I disputed this directly with XXXX XXXX numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " XXXX, XXXX XXXX ''. 
XXXX Mortgage even had their attorney send me correspondence telling me to quit contacting them or anyone else regarding my credit reporting, after I have them a bad review on Oklahoma 's XXXX site. Really? That is XXXX. XXXX XXXX, in my opinion, is a group of " Thieves ''. I have seen numerous other disputes from their customers similar to mine.
Company never informed me that they would report me to the credit bureau. Even after I requested a forbearance to cover THE YEAR XXXX. I was informed on XX/XX/XXXX by XXXX, XXXX XXXX representative that she was able to see ( 4 ) hardship forbearance request and returned. I spoke with XXXX XXXX  XXXX representative on XX/XX/XXXX who informed me that he sees where the company made a mistake in credit reporting and he tried to correct it. however, he was later told he could not correct it. He said I had to file a dispute to correct it. I asked the company to also go back and listen to the phone recordings for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a fair resolution. I received ( attached ) a letter from XXXX XXXX XXXX in it clearly shows my loans where in forbearance for the questionable dates in XX/XX/XXXX The company never updated their data in a timely manner before they decided to report me to the credit bureau without notifying me with an option to dispute the late reporting. FOR LOANS 1 THRU 7
I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is TD BANK XXXX XXXX the only XXXX there.
I get a call or a letter from dynamics recovery, saying I owe a dept, i don, t owe this dept, talk to my bank they agree its a scam.