WillisBack/dataset-financial-user-claim huggingface dataset:
In 2012 my husband and I went into his WFargo branch to cash a {$50.00} check made out to both of us. I was not on his account. Although we were both present and had I.d., we were told we could not cash a check made out in both of our names. We were taken to new accounts and told we had to open a joint checking account. A savings account was open at the same time ( that we did not want our ask for ). The new accounts rep bragged about openings XXXX accounts that week. Thereafter I received a late fee notice that I had not paid my Wells Fargo credit card invoice. I have had this card for 20+ years and always pay off the balance each month. After the branch opened the joint checking/savings account they stopped mailing my statements. I was told they were mailing the statements online. I do not bank online because of threat of hackers, etc. It literally took hours on the telephone, trips to the branch and paying interest on a balance due. I was so angry at the new accounts rep that I wanted to strangle him ... .all for a measly {$50.00} check that we could have cashed at XXXX branch. I am no fan of Wells Fargo. They lost my trust!
In XXXX of XXXX, I changed my home owners policy because I rented my house out. PennyMac, my mortgage company, never sent out the payment for my new policy which they collect in the escrow so I received a cancellation letter from my insurance agency. I contacted PennyMac that day and was told a check was going out overnight. The money was withdrawn from my account at that time.I then received a lettter that my policy had been cancelled due to non payment. When I called the insurance company, I found out my insurance had gone from {$740.00} to {$1500.00} due to the cancellation. I contacted PennyMac who said something happened with the computer system so my check was never sent out. At this point they withdrew the {$1500.00} from my account and gave me a credit for the difference. I thought things were resolved until I got my new escrow account which said I owed $ XXXX. So I called PennyMac and when reviewing my account, they found that they never refunded my account for the {$740.00} check that never got sent, which has since been refunded and charged my account the {$1000.00} for the new home owners policy. When I spoke with my agent as to why my premium was still inflated from the original {$740.00}, he told me that it was because I was cancelled the previous year. I then contacted PennyMac regarding the fact that I am still being penalized for their misappropriation of my funds and requested the difference of {$300.00} because I would still be paying {$740.00} if my policy had not been cancelled and their supervisor 's response was " You had a year to find another insurance. ". I then contacted multiple insurance companies who all were as or more expensive then what I was paying now. I called the supervior I had spoken with on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX XXXX, received a call back later that night XXXX/XXXX/XXXX but missed a call as I was at XXXX with my girls and I called her again XXXX/XXXX/XXXX at XXXX but have not heard back from her since. I filled out a complaint with the XXXX on XXXX/XXXX/XXXX, at which point I got a call on XXXX/XXXX/XXXX from another person at PennyMac saying he was in charge of trying to resolve my complaint and PennyMac insurance department were looking into the matter. On XXXX/XXXX/XXXX, I called PennyMac again and received a call back stating that the insurance department had determined that the refund was a XXXX time deal and that they were following with their original decision to not refund me the difference. I do not agree with this decision as I am paying more of my hard earned money because of carelessness of PennyMac. I did everything in my power to avoid this issue, spending hours of my time to correct the original issue and hours of my time a year later because the problem was never completely resolved.
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, there were inquiries that had been placed on my file, from several companies in which I had n't applied for any credit. This company is Conn 's Credit. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. Conn 's received the letter by fax on XXXX XXXX, 2015 and to date, I have not received any correspondence from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
A party calling themselves XXXX contacted a 3rd party regarding student loan debt at their Home ( showed up at the doorstep of a family member of the person who received the student loan ) asking for XXXX on XXXX/XXXX/16. The sister is not XXXX 's wife or attorney making this contact illegal. The same sister was called several times on XXXX/XXXX/16 and would not divulge their purpose. Again illegal. Further investigation found this company to actually be PNC financial services. This came after XXXX 's wife asked PNC to cease contact with her as XXXX was away on a XXXX. PNC has been consistently harassing XXXX even when he is away at XXXX sometimes for as long as 6months. This is harassment on every legal.
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " XXXX  XXXX XXXX '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when XXXX was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
My name is XXXX I attended XXXX XXXX in XXXX CA. This school has been shut down. I had a private loan through Genesis Lending. I have no Idea how to repay this or if they are in some kind of lawsuit I would like to know the status of this. They no longer have a website or contact number. 

If you can find any info on my account or on the loan company that would be appreciated. 



Thank You
Called to inquire about sending a Western Union money transfer and explained to the agent that I needed to send money to a relative affected by XXXX XXXX in XXXX Tx. Inquiry about fees to send and he did n't mention that a Special code of " Help Texas " could have been applied!! Was told I would find out the fees once I submitted the amount of money to be sent! Very disappointed that I was n't informed since this was my first time sending a money transfer online ... 
Agent replied the only way to get my fees refunded would be to re-do the transaction which I had no more time to complete due to a medical appointment!
I have an erroneous Collection item that has been reported to Equifax and XXXX and I have disputed the item with both credit bureaus and the entity who reported the item. Only XXXX has made the correction and the item was removed from my credit report. Equifax still is allowing the derogatory item to stay on my credit report with them. The debt is not my debt and is part of identity theft, which is why I have placed a fraud alert on my credit report.
Today, XXXX XXXX 2018, I checked my credit report to inquire about a recent credit inquiry that I did not authorize. The creditor was Equifax. I tried calling their customer service, and was told to call another number that was invalid. 

I then tried to resolve my information online, but their website claimed my information was incorrect so I was unable to access any information or help. I tried calling a different number on their website to access their fraud department, but was met with an automated message that was entirely unhelpful. 

I called their customer support line again, explained the situation and how I needed to speak to a supervisor. The representative told me there was nothing they could do besides giving me the same number I had called before, providing me with no more help.
Transunion DELETED XXXX XXXX XXXX XXXX Paid in full joint Auto loan account off my credit report when I disputed. XXXX constantly provided false info and inaccurate payment information about this financial transaction to Transunion which left me no choice but to dispute each and every time. On XX/XX/XXXX it was deleted off my credit report and when I called in and spoke with a XXXX on XX/XX/XXXX she informed me that XXXX  deleted it off my credit report and their reason she stated in the notes is " this account does NOT belong to me XXXX XXXX ) '' when they know for a fact that this is my account and that it does belong to me and how they know is by my DOB and social security number. So XXXX told me to asked them to Reinsert it back into my credit file with updated information and they should do it well I did that 3 times by fax and certified letter and XXXX said in letter form that " they did NOT delete this account off my credit report they blame it on Transunion and say they were the ones who deleted it off my credit and it has been over 2 months that this has NOT been on my credit. I then called again to Transunion and spoke with a XXXX who said that they Transunion did NOT delete this account and that XXXX XXXX XXXX deleted and all Transunion do is report what they and other creditors provide to them so I faxed Transunion a letter REQUESTING them to put this account back on my credit at once and by the end of the month and to have a manager call me and Transunion has NOT responded. Meanwhile I am damaged by this malicious action and don't know who is telling the truth and who is lying. I even attached the letter XXXX sent me to the fax to Transunion. This account is a good standing account and is a plus to my credit and if it was a bad account that was repo or in collections then worst it WOULD NOT BE DELETED and would stay on my credit report for 7 to 10yrs where it would NOT be deleted until then so why harm my credit then be malicious and discriminatory against me when I disputed. This is NOT right
My complaint is against GE Capital Care Credit. I received a loan through them for XXXX XXXX XXXX in XXXX of XXXX. The office finance person of XXXX 's XXXX XXXX offered this line of credit so that I could have the procedure done. Nothing was really explained at that time so I signed the document and was ready to go with the {$3000.00} credit and a promotional period of 3 years. I had also used it to pay for a XXXX for my daughter in XXXX of XXXX for {$300.00} in which I was told over the phone the promotional period would be 2 years. I turns out that the second loan promo period was only for 1 year. I do all of my transactions online and have never looked at any of the statements they have sent me until they charged me the XXXX very large interest charge of {$940.00}. The online version does not really keep a history of payments like it says it does and I was sure I had covered the XXXX loan by this time ( XXXX/XXXX/XXXX where as I had already paid them {$3.00} on XXXX/XXXX/XXXX ). Over the phone they had told me that I owed a large amount of late fees that totaled up to by {$47000.00}. These interest charges never shows up on the online version ... EVER! I then asked them to send me all of my statements. They did and when I received them I found that if I am a day late or the payment date they charged me anywhere from {$25.00} to {$37.00}. I was told by the person at XXXX 's XXXX XXXX that they had a 10 day grace period which obviously they do not. I also saw that they had been charging some type or interest charges of different amounts from time to time. They also charged some other fees and I have no clue what they are or why they charged the interest or the other fees. I did some research and found that your organization file a class action law suit on them. I read it and also found that I met all of the criteria for this suit but was never notified about it. They started calling me non-stop until they turned it over to another company that called non-stop after I told them to not call me. Now there is someone calling my phone threatening to issue a subpoena for me to be in court. This person has never shown up and I 'm not sure where I stand in all of this. On top of all this, they ran another credit report, that I did not authorized, on me in an attempt to lower the line of credit available, not that I will ever use this again. Please help me, I have already paid these people {$350000.00}.
Hello, I have a home mortgage with TDBank. I desire to make additional payments toward principal on this loan. They do not allow you to do this -- either through electronic banking or through automatic funds transfers from other banks. They force you to call a separate mortgage department and process for each transaction individually ( or mail a separate payment each month ) thus putting up a barrier to the consumer regularly adding additional principal payments and thus shortening their loan term. I found it annoying and revealing that they call additional principal payments " Curtailment '' payments and not principal payments. In short, no one could give me a way of having additional principal payments added on a recurring basis. This seems like a passive way of ensuring that the consumer has barriers up against prepayment and should be against the law in my opinion. None of my other mortgages operate in this way there is complete transparency of how many payments I have left and I can pay down principal electronically any time I want from any account I have.
I contacted Experian on the phone because it would not allow me to dispute an address online. I called several times to dispute an address that is incorrect and does not belong to me. They refuse to remove it from my credit report. This address belongs to a family member and I do not live there.
My credit report shows 7 hard inquiries to my credit by synchrony. I have never given written, signed or verbal consent to this company to do a hard inquirly to my credit. 
syncb/XXXX- XX/XX/XXXX and XX/XX/XXXX syncb/walmart-XX/XX/XXXX and XX/XX/XXXX syncb/gap-XX/XX/XXXX syncb/ppextr-XXXX syncb-XX/XX/XXXX I also have 2 hard inquiries by a company named XXXX that I have never given written or verbal consent to do a hard inquirie into my credit. 
XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
I have been repeatedly contacted by South West Credit Collections. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In 2015, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 

I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 

However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
I purchased and financed a new   XXXX    XXXX   XXXX  in  XXXX  KY and financed it thro ugh Honda Credit. I am aw are a payment is due  XXXX   XXXX  ; I have STILL NOT RECEIVED a statement from Honda ; I called the number on the website and their customer service is not open on Saturdays/Sund  ays. Poor business! I tried to make a payment on the phone, can not make a payment on the phone for you must set up a payment option online. I can not set up a payment option online for I do not have an account number because HONDA has not sent a statement. The dealership can not help ; called them as stated above.
This is an unfair and sloppy business practice. My payment will be late for I must wait until Monday to phone them and spend hours on the phone probably to get through. You would THINK I could set up an account with my social security numb er, phone number, size of underwear for I had to give all that info to get credit and buy their product. BAD BUSINESS!!!! I never even got an email from Honda Credit.
RE : LOAN DEPOT I received a flyer showing an attractive interest rate for a mortgage refinance so I called for further information. I answered the representative 's questions ( XXXX XXXX NMLS # XXXX ). And, I told him I would only be interested in a fixed rate 30-year conventional mortgage with no points or closing costs. My credit rating is more than 800 and debt to asset ratio low. He quoted me a rate very little less than what I have but more than the flyer advertised. Furthermore, there were fees exceeding {$3000.00}. I made it clear that I was NOT INTERESTED in his loan and told him to destroy my information and to stop any and all processes to apply for any loan and/or refinance. He said he would but he did not. Today I received a large stack of papers with my personal information ( much wrong ), and an application for a variable rate loan with even more fees that were disclosed in the phone call. I called Loan Depot today and told them to STOP THIS PROCESS, DESTROY MY INFORMATION, AND TO NOT SHARE ANY INFORMATION WITH ANYONE AT ANY TIME. The lady I spoke with said she would honor my requests. 
I feel betrayed, lied to, and used. My personal information has been used against my wishes and leaves me open for more abuse in the future. Loan Depot should be stopped from their deceptive practices and from abusing other people 's personal information. 
Thank you.
In XX/XX/2016 I attempted to obtain services with XXXX for home internet. I was told someone would be out in 4 days to install the internet, and I received my router in the mail. XXXX canceled the tech coming out because someone who lived here before had their services all I had to do was plug in the router and follow instructions as I did and it never worked. When I called back it was going to be another 2 weeks to have someone come out and at that point I canceled the account. I was sent the labels to send everything back, I sent it all back Via XXXX. Over the last 5 months I have received bills and collection calls and letters from them. I spoke with a rep in the Financial services department in XX/XX/<YYYY>, she said it had been received but not processed and it may take another moth or so ago. I started to receive more and more calls from their collection agency and bills so on XXXX XXXX I contacted them via XXXX hoping to resolve this once and for all. I was told by the Financial services department my account had been credited and the treadline on my Credit report would be removed with in 48 hours. it is now XX/XX/2016, and I received a letter from a second collection agency Diversified Consultants Inc to collect on the balance that was to be credited XX/XX/XXXX. I reached out to XXXX again and now they are saying they can not locate my account. I am so tired of being Harassed and given false and misleading information. My next step after turning them over to you is to contact an attorney.
After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. I contacted XXXX XXXX Several times this year, to make sure I was in deferment and no issues. I used deferment to make sure XX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX  and everything would be fine, I would just have my XXXX in-school payments to make. On Monday XX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called XXXX XXXX and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. XX/XX/XXXX Tay ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job! 
update XX/XX/XXXX- still nothing updated and have no clue when anything will be done