WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax recently released a press report declaring that they were hacked and sensitive information was compromised. It was determined by Equifax that my data may have been compromised, including my social security information. This is the most sensitive data I have and should have been handled with more care. Now, their negligence could cost me financially as well as require me to take additional security measures for a mistake made by another company. It 's inexcusable.
I opened a credit card from JCPenny in approximately XX/XX/XXXX which at the time when the initial credit line was given the owner of the line of credit was GE Capital. I have faithfully paid for my credit balance since that time and even recently paid off the complete balance toward the beginning of this year XX/XX/XXXX. It was at this time when Synchrony Bank acquired the accounts from GE for all JCPenny accounts. I was recently notified after the fact that Synchrony Bank had closed my account without relevant reason and without provocation or even my consent or knowledge. Without my consent or knowledge they obtained my current credit score which is what they stated they used to determine to close my account which negatively affected my credit standing even further and again without provocation.
The purpose of my compliant is to address fraudulent charges via a Capital One credit card. I had a secured Capital One credit card with excellent history dating back to XX/XX/XXXX. In the fall of XX/XX/XXXX I made Capital One aware of frivolous charges on the account. After review, they stated that the charges  were valid and began to report negatively to the credit bureaus thus destroying my credit. My secure credit card had a credit limit of {$3000.00}. My credit report is reflecting a charge off of {$9400.00}, with an outstanding balance of {$6500.00}. How is this possible, if ( A ) I reported fraudulent activity and ( B ) my card 's maximum limit was {$3000.00}? Your assistance in this matter is greatly appreciated.
On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc. 
XXXX. XXXX XXXX XXXX DE XXXX XXXX.
Our home was sold to the mortgage company Ditech. Right from the start we had problem with them, trying to set up automatic payments or even making a payment at all, but the real problems started when we sold our home. We were told when we closed on our home to expect a escrow refund check within 20 days of closing. Several days past the 20 day mark we still did not have a check. We called in and they told us to wait till next week. We finally got our check and put it in the bank. Our bank later called to let us know that Ditech cancelled the check and they had to charge us a fee. We called Ditech who told us that they would re-issue a check and to expect it by XXXX XXXX. XXXX XXXX came and still no check. We called in again and the person we talked to stated there was never a check re issued. We were told we needed to prove that the check was cancelled and to send them a copy of our bank statement showing the cancelled check. She said that once we sent that in they would be able to direct deposit the money back in and we would hear within 24 hrs on the status of our refund. 3 days went by and we still had not heard anything. We called in again, this time the representative informed us that they do not do direct deposits and that they would have to re issue the check and send it in the mail but that they would need to get back to us and they should know something within 24 hrs. We still did not hear from them. We called in again and Each and every time we call in we have to speak to a new person and try and explain the situation, and each and every time we are told conflicting information which always gets us no where and ends with " we will get back to you in 24 hrs '' to which of course we never hear anything. We have spoken to probably 7 different people all promising to get back to us and have never received a phone call or any information back. This is over {$3000.00} of our money that was supposed to be given to us 2 months ago. This is beyond frustrating and we are not sure what else to do to get our money that we need to put down on our next home. It has now been 3 months since closing.
Last year 2018 I tried XXXX XXXX  and they did nothing to fix my credit. I spent about 800.00 and nothing. I feel ripped off as not one thing done did anything to fix my credit Fraud scam
I wired {$5000.00} to coinbase, inc on XXXX XXXX, 2017. I did not include the account reference code in the wire. 

I contacted Coinbase customer support and they promised a wire reversal. Weeks have passed. Repeated attempts to contact coinbase again regarding issue was unsuccessful.
In XXXX, XXXX, after just purchasing my home, I bought new furniture from XXXX Furniture through an installment plan, with a credit card financed by Wells Fargo Bank. The agreement was that if paid in full with a year, there would be no interest assessed. Unfortunately for me I lost my job in XXXX of XXXX with the only income coming from from my XXXX husband 's XXXX check. In spite of this, I have never not made my payment within 30 days. 

I was dismayed and outraged when I looked on my statement in XXXX XXXX to find that the {$4000.00} in payments i had made on this account was dissolved by the {$2500.00} in interest charges deducted from my account, now placing my account in a {$7300.00} deficit. Wells Fargo deducted in excess of {$1200.00} in XXXX and XXXX of XXXX as interest charges and when I called them to protest this, they berated me and told me if I paid {$5300.00} immediately they would waive the fee. I believe the interest charged on my account is usury, illegal and contemptible!! Wells Fargo is too big a bank to inflict such harsh charges on people struggling to make a life and pay their bills on time.
My credit has been without a blemish for several years. I was a victim in the  XXXX   XXXX  scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my  FICO sc ore dropped  XXXX  points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and  Income  Based Payments. I have  two  mortgages that combined are much lower than todays ' average mortgage  payment. One is a p rimary residence and another for a house that was inherited . ( ren ted out and paying for itself ) Had a credit issue ab out six years a go but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.
On XXXX/XXXX/12, someone withdrew {$5000.00} from my mother 's account at Citizen 's Bank at XXXX XXXX XXXX in XXXX XXXX, CT. The savings withdrawal slip was made out in the name of XXXX XXXX. That is not my mother 's name. It is XXXX XXXX. Supposedly, the bank did an investigation of this matter and said that everything was in order, but no one supplied the results of this investigation to my mother. My higher is XXXX years old. She has XXXX checking accounts, and had no need to withdraw money from her savings account. She has been in ill health over the past several years and is rarely out if the house. She did NOT make this withdrawal. 
I have attached a letter by XXXX XXXX, a friend, who wrote a letter to the bank and discussed the issue with the bank manager.
I closed my TCF Bank money market and CD on XXXX/XXXX/16. I never wrote a check or withdrew any money from these accts. I recived a letter dated XXXX/XXXX/16 stating my acct is overdrawn by {$110.00}. 
On XXXX/XXXX/16, I called TCF Bank at XXXX, spoke with XXXX and XXXX, I was told I owe {$170.00}, and my money market acct is still open. How could it be open I osed the acct. 
Since I read many complaints against TCF Bank, what they do is generate Bogus fees then sell to a collection agency. 
This bank is dishonest. Why is TCF bank still in business?
I obtained my annual credit report XXXX Upon reviewing I noticed I have XXXX XXXXnquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
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I called Equifax gave them all my personal information. It seemed to me the representative was writing down the information or keeping it somehow. I am concerned that the person on the phone kept all my details and could lead to identity theft. After giving them SS #, address and other verifying information she ( XXXX ) told me that I didn't pass the verification. It seemed like a total scam! I was trying to report a small incorrect detail on my report but I didn't even get to the dispute since the Rep 's judgement was that I didn't pass the verification! After all the information I gave her! I think she must have kept it all to use it for her benefit.
My information was compromised along with millions of others in Equifax 's mishandling of security, during a cyber attack which was announced on XXXX XXXX, 2017 and took place in XX/XX/XXXX through XXXX of 2017.
I started a year of XXXX through XXXX XXXX in XXXX of 2015. Through this, my loans were supposed to be in deferment, but this did not happen until many months after I had submitted the proper forms. Now, my credit score has been lowered to an unmanageable point that 's affecting my ability to get loans, adequate housing, and financial stability. The Nelnet collections say that I was receiving negative marks on my credit because of non-payment, but as a member of XXXX this should n't be the case.
On XX/XX/2017 I sent a letter to Transunion in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Transunion continues to report this account. On XX/XX/2017, I submitted a complaint to XXXX for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Transunion requesting the unverified account to be removed.
In XX/XX/XXXX my husband was working in the XXXX when the housing boom ended. He was out of work until XX/XX/XXXX and we filed bankruptcy because we had been unable to pay outstanding bills. Because we were struggling to our mortgage, we applied for a home modification in XX/XX/XXXX and submitted all of the paperwork required by J.P Morgan Chase. After submitting all of the paperwork they requested, they requested the same documents every 2 months for 5 years. We never received any answer or decision regarding our modification and in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we failed to pay our monthly payment. In XX/XX/XXXX we went to the physical location of J.P Morgan Chase Bank to pay all of the monthly payments that were owed and the teller refused to take our payment because there was a hold placed on the account. We contacted Chase via phone and they were vague about what was happening with our mortgage so we contacted a lawyer and we found out that Chase was taking steps to foreclose on our home. We then proceeded to request the complete monies owed to bring our mortgage to current status and they told us they would contact us in several weeks. They never contacted us and would not tell our lawyer how much we owed either. In XX/XX/XXXX we took {$10000.00} out of my husbands 401K plan and brought the money to Chase to pay off the delinquent amount and they were unable to take the payment. Now, XX/XX/XXXX an auction has been set for XX/XX/XXXX. We have paid {$7000.00} in lawyers fees and we were denied a modification on XX/XX/XXXX because we now make too much money. For the past 6 years we have been trying to modify and we are losing our home. When my husband finally found employment with his previous employer, he was making {$XXXX} an hour, and I XXXX making {$XXXX} a year. 2 years ago he was making {$XXXX} an hour and I was XXXX making {$XXXX}. Our income has increased however at the time we defaulted we were struggling financially and we really needed help, I am back XXXX making {$XXXX} and my husband is currently making {$XXXX} but we make too much money for a loan modification. It does not appear that Chase was willing to assist us with our loan and we are making this complaint hoping for assistance as well as warning others who may be facing a situation like ours.
I received a copy of my credit report and noticed a debt from TD Bank. I don't ever recall doing any business with the what so ever.
XX/XX/2014 I had XXXX at XXXX XXXX XXXX XXXX in XXXX Mississippi. As a result I managed to acquire XXXX separate accounts that I began receiving bills for. I asked the hospital to combine the accounts so I could make larger payments on XXXX account but they refused. The first XXXX accounts I managed to pay off fairly quickly. The XXXX and XXXX accounts I was still paying on when XXXX XXXX turned the larger of the XXXX remaining accounts ( the XXXX account ) over to Professional Account Services ( PASi ) for debt collection. Up to this point, all of my payments had been made directly to XXXX XXXX XXXX Systems. A representative from PASi called me at work and during this conversation I was told that it was ok to continue paying the hospital, but paying PASi was the same as paying the hospital, and that I should pay PASi. Told him I had no intention of paying the debt collector and that all of my payments would continue to go directly to the hospital. I explained to this representative that it was unfortunate that his company had gotten involved in a matter, as I could prove that payments were being made on all of the outstanding accounts, not just the one that had been turned over to his company. At this point the hospital was wanting me to pay XXXX a month on the account that they have not turned over to collections and PASi wants me to pay XXXX on the account that had been turned over to them. I had explained to them on more than one occasion that I could not pay their minimum balances. In XX/XX/XXXX, I received a letter from a law firm saying the account had been refered to them for legal action. I responded to the law firm with a letter of my own and explained to them the same thing I had been telling XXXX, and took the opportunity to remind them that I had been and still was paying the bill. I have now been supoenaed to court on XXXX XXXX. This suit was filed with XXXX County Justice Court on XXXX XXXX, 2014, a month BEFORE I received the letter from the law firm saying they were reviewing it for legal action. Why the law firm bothered to harass and intimidate me further when the debt had already been filed with Justice Court is beyond me. Why I 'm being harassed for a debt I 'm paying and now sued for a debt I 'm paying is beyond me as well. They say to call and make payment arrangements. I 'm already paying them, why should I make payment arrangements on something I 'm already paying? They were n't willing to work with me and combine the accounts. Why should I work with them and make a payment arrangement for something that 's being paid? Now, I have to miss time from work to go to court for this. I do n't understand why I was turned over to collections and sued when I have been and can prove that I have been paying them.
Citibank has removed and stopped reporting my primary credit card to XXXX without my consent and is REFUSING to re-report the account ( to XXXX ) despite my repeated attempts to have this done. This has resulted in my credit score being reduced to a score from well over XXXX down to XXXX and has the potential for future credit applications being denied.
In XXXX XXXX the bank arbitrarily changed the interest rate on Purchases from 18.99 % to 29.98 %. This change had no immediate impact on my monthly payment, because in XXXX XXXX I had a zero balance for Purchases. My balance of around {$12000.00} was composed entirely of XXXX special offers with an interest rate of 1.99 % ( see XXXX XXXX Statement attached ). I did not notice this change because I rarely looked at the statements, was not using the card, and the monthly auto-draft payment was stable at less than {$200.00}. 

However, in the ensuing years as XXXX of the special offers expired and I began to use the card for purchases, this excessively high interest rate of 30 % turned what had been an efficient financial instrument into a toxic arrangement equivalent to a payday loan. ( See Statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. ) I have contacted the bank several times over the past 3 years, requesting that the usurious 30 % rate be reduced to something reasonable like 18.99 %. They simply respond that there is nothing they can do. I suspect that my account was targeted for this 30 % Purchase interest rate because I was not using the card and had substantial balances at only 2 % interest. Banks should not be allowed to set rates at 30 % for customers who make all their required payments on time, as I had done from XXXX through XXXX XXXX when they arbitrarily changed the rate.
I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. XXXX has denied my request.
I was contacted by a third party collection agency named " Coast Professional '' to make payments to my XXXX. They have taken XXXX out of my bank account for 7 months. I am now being told that I am at risk of defaulting. I have been unemployed since XXXX. When I called them to stop taking money out they gave me a website " mydebted.gov ''. When I called XXXX servicing back they said that is not the correct website. I am emailing coastal professional a ceases and desist letter.
Recently, I 've been having difficulty meeting my minimum payments on XXXX of my credit cards with Bank of America. I 've called and explained to them the situation, after being a loyal customer of theirs for many years, no one seemed to care about me and my situation, rather only cared about their money and their high interest rate. In my time of need, I asked them to lower the interest rate and/or work out a payment. I was declined XXXX options. I do n't think I am being treated fairly. They are only out to receive their high late payment and interest fees. They have no interest in what 's best for the customer.
I was approved for a mortgage modification with Seterus because I 'm currently XXXX delinquent. Seterus is proposing a 40 year term to modify my mortgage for that small amount when I currently have less than 16 years left now. The modification include illegal fees and charges. This company takes advantage of the difficult times people are having and force them into terms that are probably illegal but benefits the company greater. This company needs to be investigated and the responsible people should be charged and jailed to the max.
Received Sears Credit Card checks with offer of no interest for 2 years for purchases or balance transfers. There was a mention of a fee for using this service but did not indicate amount. Upon receipt of bill there was a service fee of XXXX % on the balance and then they charged interest on the service fee. No where in the information did it say you would pay interest on the service fee so their offer of no interest on the balance is incorrect. Believe this to be false advertising and excessive charges not disclosed