WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my data, and now, due to extreme negligence on their part, that information and the information of 143,000,000 other people is available to whomever would want it. 

Further complicating this matter, Equifax knew about this breach well before notifying anyone. As this is the case, I do not know the date when this took place, and it may have  even occurred 3 months ago. 

Their website has determined that I am a victim of this breach, but they did not reach out to me, leaving me further vulnerable to this action.
Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX bank in which XXXX bank has removed this account from my credit reporting due to the factor its been over XXXX years since the last payment was received this company provides nothing to me this is my XXXX complaint.
Me and my husband have a vehicle financed through United Auto Credit Corporation. On XXXX/XXXX/16, I spoked with someone in account recovery and they decided to give us an extension on our payment until XXXX/XXXX/16. Last week I received a call about a payment. I explained to the representative that I had an extension and my payment is not due until XXXX/XXXX/16. He asked me did I have the documents and I read the extension to him. He told me that he was sorry about the call and to just make sure I made the payment on XXXX/XXXX/16. 
Someone called my husband and told him that if a payment is not made, they will come and get the vehicle. Today XXXX/XXXX/16, I got a call from another rep.I explained to him about the Extension.He told me that it was a mistake. I told him that from XXXX/XXXX/16 - XXXX/XXXX/16, they 're just now calling me and want to say it was a mistake.That mistake should have been caught the same day. He started getting smart with me and telling me what I am going to do, so I asked him for his XXXX repeated my name.I said to him again what was his name, and he said XXXX.I asked what was his last name and he said I will not be getting it.I told him to hold on and got XXXX of my co-workers phone to use the recording. When I got on the phone, I recorded the rest of the conversation. I should not be harassed when there was an agreement in place.I e-signed the documents like I was asked on XXXX/XXXX/16. My husband said he told them that he 'll make the payment Friday because they told him that if he does not pay that they will pick up the vehicle.I 'm attaching the Extension agreement that was sent via email that I had to e-sign. I am also sending the recorded conversation of the phone call.
I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
I received numerous computerized harassing calls to my cell phone with no indication of fraud, yet no minimum payment was due on my Home Depot card that they were calling about, I went online to try to see the issue and my account was locked. I did not have time to sit on hold with the recommended XXXX. But then they send me an e-mail letting me know I can access my account online after their cut-off time for my payment and they lowered my credit limit and charged a late fee, but now I can only make the minimum payment of double the amount. Every month I am not able to access my account near or around my due date to make the payment so they can charge a late fee. Calls show up on my phone as a potential scam.
Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.
was a victim of inquiries XXXX and Equifax said they can not help me I need to call or send each creditor letter to dispute.
I paid one of my fee over the phone one of your people! Over a week ago and it still showing up on my credit! It was a payment of {$190.00}! I dont appreciate yall playing with my mOney!
I have contacted this creditor to resolve the matter they have denied every request that I had made to them. I am tired of going back and forth with them. They have even contact other references in regards to this debt. I want a verification with my signature stating that I owe this debt and they have failed to also provide that. They harass me on a daily in pursuing to collect on a debt that hasn't even been verified. I want this issue resolved and a complete investigation on this because it is unheard of for a company to do this and it is affecting my credit.
On XX/XX/XXXX I tried to order all XXXX credit reports from the annual free site. I was able to obtain XXXX and XXXX ; however, Equifax stated my report was " unavailable '' and I would need to order by mail, which would take 15 days or more ... I do not understand why Equifax does not have to adhere to the same rules as the other XXXX agencies regarding the securing of my credit report online. On XX/XX/XXXX, I tried several times to obtain this report by calling the number listed on the website. After 5 calls, and numerous jumps through hoops, I was able to order the Equifax report via phone. However, apparently it will still take the same amount of time to receive the report by mail. This is a HUGE inconvenience to me as my husband and we have spent almost 3 months trying to refinance our mortgage while the interest rates were lower. On XX/XX/XXXX, my husband received an email from our mortgage company stating everything was great except one dispute. The dispute is question was supposed to have been dismissed long ago. Since the dispute did not show up on XXXX or XXXX it can only be on the Equifax report. This is creating a very difficult situation for us, and in my humble opinion, Equifax is committing fraud in that they are one of XXXX credit reporting agencies that are bound by Federal law to release a consumer report via online, as the other XXXX agencies do. In short, Equifax is bound, but not in compliance with the Federal Law, and is creating a severe hardship on my husband and myself, as time is of the essence. In addition, I am of the belief that Equifax adheres to this practice in order to force the individual that is in serious need of the report to order from their own ( Equifax ) website for the initial low cost of " {$4.00} and then {$19.00} every month ... '' I even started to do that, however, why should I have to pay for something that I should be able to acquire for free? I am now wondering if the particular disputing company is in collusion with Equifax and I intend to research that possibility further. Please force Equifax to adhere to the same rules as the other XXXX agencies and allow consumers to obtain their credit reports online without a long wait, as this is really a grounds for a consumer lawsuit against Equifax, if they continue to practice business in this manner. Sincerely, XXXX
Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.
I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXXXXXX Transunion, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.
i have a medical debt that went to collections, because I was not notified, the original creditor ( XXXX hospital ) recalled the debt and reassigned it to another another company where it was paid in full. central financial control is reporting in error on my credit report. they do not own the debt and will not remove it
purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with  XXXX  for  XXXX . In  XXXX  we were approved for a HELOC with  XXXX  for approximately  XXXX . In  XXXX  I became unemployed. I was out of work for 3 years. We reached out to   XXXX   many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to   XXXX   many times for help they were unable to assist us.   XXXX   sold our mortgage to Seterus inc in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years.   We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home.
When I was married, I filed bankruptcy in XX/XX/XXXX It was a 5 year bankruptcy filed & during that time the Student Loan ( I took out at the time for my XXXX college student kids ) was put into forbearance. The bankruptcy was discharged in XX/XX/XXXX. During this time of forbearance the original loan of approximately $ XXXX had now been gathering interest so the total after the bankruptcy was now approximately {$18000.00}. Which was described in a letter to me from Navient. I did n't know who they were & why they had taken over the loan. I called them on the phone & I told them I wanted to refinance or do something to help me pay it as now I was divorced & could n't afford the payment of over $ XXXX a month I suddenly received XXXX weeks before it was due. They told me they do n't refinance federal loans & I had to pay the new amount now that my bankruptcy was discharged. I got divorced in XX/XX/XXXX I 'm on a limited income now & they did n't care. They said the only thing they could do is put me into a deferred loan now where I could pay them {$180.00} per month for 2 years so I could find another way to repay this. After these 2 years I 'm gon na now owe them {$260000.00}. When I 'm done paying them they expect to be paid {$45000.00}. I do n't understand how a federal loan is making all this interest yet not helping the public repay them. My XXXX kids have more loans they 're trying to pay back themselves. I 'm a co-signer on some of them. They harass me calling XXXX times a day to try to get my kids to pay their loans faster. They 've ruined my credit with all of this. My kids & I have XXXX loans we 're paying off just with Navient totaling {$70000.00} ; which does n't include the other student loans my kids are still paying to other companies. They also have tried to refinance with them & are going to put a claim into you also for this unfair student loan company. 

The American families are just trying to pay their bills & make ends meet living paycheck to paycheck. We need help!!! Please!!
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.
I recently purchased a new car and am having issues with my lender, Wells Fargo Dealer Services. I received a collection call after receiving no information about my loan - including account number and any identifying information for websites. After complaining that I had no information and just wanted to be enrolled in Auto-Pay they took my bank information and I made a payment. I then logged into the website to sign up for Auto-Pay. I made 3 attempts to enroll online and I believed that the last attempt succeeded. The next month I got a call saying my bill had not been paid and being treated as thought I was a criminal - I never pay bills late, so this was very frustrating to me. I paid via phone again and they had no explanation for why my auto-payment had not been taken. They have my information so I asked that they just enroll me in it. They said they ca n't do it over the phone ... even though they store my information and have all the same information on file that they would need to enroll me. I logged in again during the month and tried to re-sign up or confirm my signup. It gave me an error message. Today I received the same call. For the first time the rep informed me that it takes a full billing cycle to work, which no one had told me, and also that somehow it was n't showing that I was enrolled. I made my payment and scheduled a payment for the next month, then I asked if he could enroll me in auto-pay. He said he could n't, but I could log in online and enroll or enroll by mail. I logged back into the website and got another error message after filling out all the forms. ( Keep in mind that every time you want to enroll it requires logging into both your loan account and your bank account to get account and routing information that Well Fargo is already storing ) This time I called and was told that because my account was past due ( I already authorized a payment today ) their policy was to prevent my account from enrolling in online banking until the payment processed. I can do other things online, just not fix my problem. The policy is clearly set up to keep consumers behind on payments. There is no logical reason why, after logging into their site on many separate occasions, I have not yet been able to successfully pay my bills automatically. And there is no logical reason why the ability to enroll in auto-pay should be limited because of an issue enrolling in auto-pay! It 's absolutely a system meant to create inconvenience and to prevent you from solving the problem when you are actively dealing with it. Please require that they change this policy that is damaging to their customers. I just want to pay my bills easily, and if there is a problem - fix it promptly. That should not be too much to ask.
Complaint About Western Union on Money Transfer and Non-payment I refer to the above in which I was a victim of non payment of a money transfer via Western Union XXXX. The loss was in relation to a money transfer via Western Union at XXXX XXXX XXXX via a Western Union transfer no. MTCN XXXX. I am a regular user of Western Union money transfer services for many years. So far I had no problem and I am very satisfied with the service. Recently, I planned a trip to XXXX XXXX. As I did not intend to carry too much cash with me, I make a transfer at the Western Union agent in  XXXX of an amount USDXXXX to XXXX XXXX on XX/X/2017 XXXX. I am the sender as well as receiver. In my application I have included a test question and answer for security reason as this is the first XXXX I sent to XXXX XXXX. 6 hours later at XXXX I received an SMS from Western Union informing me that the money was pick up by XXXX XXXX XXXX XXXX. myself. I was shocked to know that. I immediately lodged a non-payment claim at Western Union. I was informed that they required 21 days to conclude the investigation. On XX/X/2017 I received a email from Western Union United State stating that they denied liability as they said the agent paid out the money in accordance with the procedure. I strongly believe that the agent in XXXX XXXX deliberately paid out the money because no one knew the security question and answer except the agent. I lodged a complaint at my local authority. I was advised that Western Union was incorporated in the US and it was not within our local jurisdiction. Therefore, I request your good office to intervene and help to resolve the above matter.
There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number XXXX
Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this " trial '' period I could only make payments in the amount due even though I offered to pay more, even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan, only the amount due each month. Even though my loan was approved, the bank then submitted a delinquent notice to the credit agencies. In turn my credit rating quickly dropped from XXXX XXXX very good XXXX to XXXX XXXX fair ). I have responded to all bank requirements regarding this loan in order to avoid any negative credit reporting. The bank did not advise me that upon loan extension approval that I would be reported as delinquent. The bank misrepresented the consequence of the loan extension and unfairly and unjustly damaged my credit rating. I feel that consumers need to be protected against such improper banking practices. Full transparency must be a requirement. I request that the Bank of America be required to fully disclose their delinquent and unfair handling of my account so that I can restore my very good credit rating.
A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called XXXX XXXX XXXX to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called XXXX XXXX XXXX to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by XXXX XXXX XXXX. Almost two years later XXXX XXXX XXXX reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named Security Credit Services showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from XXXX XXXX XXXX and it was over the Cobalt in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct number : XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with XXXX XXXX XXXX.
I am uploading a letter I received from XXXX  credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX. There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX  has corrected these items and received confirmation to delete off my report but XXXX is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.
HERE WE GO AGAIN. 

THIS COLLECTION SINCE XX/XX/XXXX POPPED UP ON MY CREDIT REPORT AND MY ATTORNEY AND MYSELF FILED A COMPLAINT BACK IN XX/XX/XXXX AND HAD THEM REMOVED. NOW IT SEEMS NEW DEBT REPT : TOOK IT OVER>>> AGAIN THIS IS NOT MINE AND I HAVE NEVER VISIT XXXX XXXX XXXX  IN MY LIFE!!!!!!!! 

WE WILL BE FILING A COMPLAINT WITH XXXX  AND FTCC AS WELL WE WILL BE REQUESTING PROPER IDENTIFICATION AND DOCS TO WHOM THIS DEBT BELONGS TO AGAIN ALONG WITH A LAWSUIT. 


COMMONWEALTH FINANCIAL XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX