WillisBack/dataset-financial-user-claim huggingface dataset:
I have finished the purchase requirement of American Express XXXX credit card. But I did not get the welcome offer for over several month.
The company calls me more than 3 times in an hour and more than 12 times in a day. Even after I have spoken with someone the day before, the calls continue to come in.
Hello, I am filing a complain against Moneygram money transfer services. I have used Moneygram in the past using a live agent to transfer money, and never had any issue. On XX/XX/XXXX I tried sending money using Moneygram online service but the transaction was declined. I had called the customer service for help, and they asked to try again, and again it was declined. On XX/XX/XXXX, I decided to go to an agent to send the money, but could n't do so - the transaction was declined there as well. I then called the Moneygram customer service, and they told me that I can no longer use Moneygram to send money, and I should use other service - they did not provide me with any reasoning on why I can not use Moneygram service. And the customer service representative was extremely rude on the phone and not willing to answer any of my questions.
On XX/XX/XXXX, I checked my bank statement, and noticed that {$2500.00} was deducted from my checking account by Moneygram. I called Moneygram right away to find out why the money was taken out of my account, first, they denied it. I then sent them with a screenshot of my bank statement as a proof that money was taken out of my account. They would n't talk to me on the phone. They are extremely rude over emails. They take money out of my account without my knowledge - this is unacceptable! Also, when I call the customer service to find out when I can get my money back into my account, they said within 72 hours. But, when I emailed XXXX XXXX, they told me it could take 10-12 days to get my refund. I am hearing two different things from the same company. And the customer service and support teams are extremely rude over emails and phone.
At this point, I will no longer be using Moneygram for transferring money, but I need my money back into my account. I am getting very frustrated dealing with Moneygram. I have been emailing them since XX/XX/XXXX and they are not responding well to any of my inquiries. I have never experienced this before. I work for a XXXX XXXX XXXX XXXXy, and I know how important it is to hold your reputation and your consumers trust. I am really disappointed to say that Moneygram does n't hold any of these values. They do n't respect their customer and do n't care to provide them with a valid reasoning as to why someone can not use their service. I still do n't know why I can no longer use Moneygram service I need your help to get my money back from Moneygram. {$2500.00} is a lot of money and I need this money back into my account as soon as possible.
Please help.
Regards, XXXX XXXX
In Wells Fargo Bank , N.A . Wells Fargo Dealer Services response, they state that WFS Financial " changed '' its name to Wachovia Dealer Services, then Wachovia Dealer Services " changed '' its name to Wells Fargo Dealer Services. Wells Fargo is implying that the word " changed '' in the " name changes '' they state is not exact or alike the terms used in the contract, or that they can just give a reason and the reason dissolves that term as used in the contract. This is what is stated in the contract right above my first signature it states, Any change to this contract must be in writing. Both you and we must sign it. No oral changes to this contract are enforceable. Copy is attached. 
Wells should admit they did wrong. Because who would believe that any term in a contract can be avoided by just changing a name, then take all the money or property associated to the contract, how easy they have it. Then just punish the consumer by reporting to XXXX the false information. # XXXX response to Wells Fargo 's response
This company does not care about its loan Borrowers. Their website is terrible you can not sign in I called them to resolve it and I still ca n't sign in. I do n't even have public loan forgiveness anymore so I should be transferred elsewhere and they could n't be bothered either way. I believe I received incorrect information from the customer service. And I am incurrening interest while trying to pay these bills down due to the negligence. I also use their email to contact them to complain and never received a reply.
In XXXX I was issued a final bill and paid the balance of $ XXXX dollars in a money order to the complex within the 30 days as required. I then began to receive nonstop phone calls from a collection agency, XXXX XXXX XXXX, stating I owed them a balance. This was the same dollar amount and description as the unpaid balance left with the apartment complex. <P/>After going back and forth with XXXX XXXX at The XXXX at XXXX and XXXX XXXX with XXXX XXXX XXXX I was assured this would NOT be reported and it was an error on the apartments that was now under new management. ( Please see the attached email thread ). <P/>It is now over three months since I 've contacted and tried to resolve this issue, and unfortunately this matter has still not been resolved. This was posted on my credit report a week before The XXXX at XXXX forwarded me the email thread between them, XXXX XXXX XXXX and XXXX XXXX XXXX ( please see the attached email ), and it has still not yet been removed off my credit report. I 'm demanding this be taken care of, seeing that this was not my error. The balance was paid in full and I request an immediate removal of this debt off my credit report.
I sent Equifax multiple letters to very that this account was owed by me and I never received a copy of a application with my signature.
I received my credit report from Experian. I have proven that the company Experian tells customers that they conduct these sophisticated investigations that they require so much time to complete. They even have the gall to send out letters informing customers via mail they they need additional 15 days to do some research. In XXXX specific case they need the customer on the phone to be able to confirm the customer 's identity, so this company lies to customers. I want all references off the credit report that would make the line of credit 7 years or more. Every citation to XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. The FCRA required that only " Accurate, Timely and Relevant information be on a personal credit report, so that decisions can be made on credit worthiness can be made. '' ( Paraphrase ) I expect this done without delay nor excuse. All these items are out of date and need to be removed. In addition all school loans were consolidated at 3 % under President Obama 's XXXX program. I only have to pay XXXX payments under income sensitivity I already received the first XXXX payment free. XXXX XXXX
Wells Fargo has not been reporting my home mortgage to the credit reporting bureaus.
Loan #  XXXX  is an automatic debit, never a penny missed in nineteen plus years. I attempted to resolve this last year with them ...  XXXX / XXXX /13 I was discharged from chapter   XXXX    bankruptcy having to file to stop a federal judgement for violating a noncompete.   XXXX   XXXX  ,  XXXX , MN presided.
My lawyer processed ALL documents necessary as we went through the process. WF claimed we did not. The bankruptcy had no bearing on my home or mortgage. My loan to pay my lawyers was reaffirmed at my bank and satisfied. My bankruptcy lawyer says WF is doing this to hundreds of his clients ... ..I want my credit to rebuild and reflect my perfect payment history! Please hold this evil empire to the fire and resolve my concern! I will, at my lawyers ' advise, be sending the  XXXX  credit reporting bureaus documentation of my loan history, if you deem this to be necessary.
Thank you
This is in reference to case # XXXX. I have not received any correspondence from Chase since I received a letter dated XX/XX/XXXX where they admit their mistake and advised me I would have resolution within XXXX days. I have called and left a voice mail with XXXX and have received no response. In addition, after pulling my credit report today, it shows a large " past due '' balance which is not correct. XXXX is also showing that Chase has reported my payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. Lastly, I have not yet received my XXXX tax form which I need to file my taxes. This form is " unavailable '' when I log into www.chase.com. I also have no faith in the actual amount that will be reported on this form since my loan is so messed up. I want an update on my loan and resolution to all of the issues I 've listed above.
I am a XXXX XXXX  working with a homeowner with Dovenmuehle as the servicer of her mortgage. The homeowner and I worked together to piece together her loss mitigation assistance application which was deemed as complete on XX/XX/XXXX. In XXXX, my client was informed that she was turned down for the assistance and I called to find out why- being that her income was adequate, her credit was fair, and her budget was very streamlined. For an entire week, I made calls daily to get answers regarding why she was turned down. Finally, I was able to get transfered to a manager who stated that my client 's expenses make the mortgage unaffordable to the homeowner. When I asked about what they had listed as expenses, the manager at Dovenmuehle stated that they do not have access to that info as it is complied and researched by a private 3rd Party company. I was able to get the name of the company but when I called, I was told they do not take phone calls. I reached out to XXXX XXXX XXXX XXXX at XXXX XXXX and explained the situation- being that the loan was originally a CDA loan, I figured the State of Maryland would be able to point me in the right direction. I was given contact info for XXXX XXXX, also at XXXX. He was able to find out that the 3rd Party firm calculated my client 's monthly spending on food at {$700.00} dollars for the month. XXXX XXXX requested that I piece together the clients expenses and provide bank statements that coordinate with the months in question. I submitted these documents to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX stated to me that the documentation was sufficient and he would follow up shortly. On XX/XX/XXXX, my client received a letter from Dovenmuehle. The specific language of the document states : " You May have been approved for a standard modification ''. Weeks went by and the homeowner and I were not contacted. The only updates we can get are from XXXX XXXX and only when we ask. Dovenmuehle didn't even have it documented in the system that XXXX was working with them to resolve the issue. 
Here we are 90 days after I was told no further documentation is needed and the homeowner still does not have a response from Dovenmuehle.
I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that.
I have had my bank of america account for over 3 years now. And have been making payments 100 % on time since XX/XX/XXXX. 

Back in XX/XX/XXXX there is a mark that shows that I missed the payment. Although the payment may have been delayed, I believe that for good will this should not be counted against me. Due to momentary financial issues I wasn't able to pay but I have before then and since then.
Harassing phone calls asking for me and giving out my SSI # There are other people in next to the one calling and they are laughing in the background, if you do n't do anything to stop them I will contact my lawyer, the name of the company is P & B Capital group there has been over 50 lawsuits and still nothing has been done to stop the calls. What are you going to do about it? Call keep coming in few times per week last call on XXXX.18 at XXXX est.
Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns.
I received a letter from Pressler and Pressler in regards to a credit card debt owed to XXXX Bank. Where I had a XXXX Card, my balance was {$XXXX}. I wanted to know how I allegedly accrued that balance. I made a phone call to Pressler and Pressler on XX/XX/XXXX. This call was to dispute the charges. I requested a copy of the original bill. This information was never sent. Pressler and Pressler has all of this information documented. They continued onto getting a judgement filed against me and they garnished my wages for {$620.00} which was paid in XXXX. I now have a judgement on my credit report for a debt that has not be proven to be mine. My credit report also has the original creditor, XXXX Bank listed with the debt written off has the card Lost or Stolen.
To Whom it May Concern, Enclosed is documentation regarding our dispute with Ally Bank. We had a 36 month lease agreement with Ally on automatic bill pay with our bank. Ally bank took {$99.00} out of our account for the last payment so we assumed that was the balance due. Then we got a bill claiming the balance due plus late fees which we paid. We tried to get them to waive the late fee. They refused. Then we received a bill for the XXXX ding in the windshield. We asked them for a receipt as our insurance company said they would pay it. They refused to give us a bill. Now they are adding late fees to the billAttached is the documentation. 
Thank you for any help you can give us, XXXX XXXX
OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, Experian, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again inXX/XX/XXXX presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.
I was contacted by a collection agency. The agency information was incorrect. The address, visa card bank name and amount of {$5000.00} was definitely not me. The agency name and email is XXXX I will be providing my credit report from the beginning of the year. I am attaching my recent report as well due to cleaning up my credit report from the new year.
The first calls come at XXXX XXXX CST, and continue about a dozen times per day. I have XXXX part-time jobs and call when I have a few minutes in between jobs to call and set up an Income-Driven Repayment Plan, but am on hold waiting for a person for about an hour. 

Then when I'm at work again, the calls continue. And they continue from various phone numbers showing them from various locations around the country, predominantly coming from XXXX, Indiana.
Company " XXXX '' was paid prior to bankruptcy to the original creditor and instead of reporting as " Paid In Full '' - its reporting as " included in bankruptcy '' as discharged debt. This is reflecting as if the company was not Paid and it is adversely affecting my rental history. This negative reporting is affecting my ability to find housing. I have contacted transunion in writing and over the phone and I also requested a detailed description of the investigation and was denied the information and instead the account was disputed again with no change. The investigation completed by XXXX concluded the info was not accurate. There is a 54 point difference in my scores because of this.
Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
I filed bankruptcy in  XXXX   XXXX . My bankruptcy was  discharged   XXXX   XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday  XXXX / XXXX / XXXX  there were  XXXX  collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.
I have been put on several forbearance programs since 2009, offered no legitimate pay based off income plans, & multiple payment due date/amount mixups.
I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. Transunion continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage inXX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX servicing. They confirmed the issue with incorrect credit reporting is with TransUnion and XXXX. My credit score should be well above the XXXX mark at this time.
XXXX XXXX XXXX XXXX Loan {$40000.00} Currently closed was forgiven by XXXX in response to the Government lawsuit investigation regarding Financial Fraud during the XX/XX/XXXX Housing crisis. I would like it cleared from my credit report since it improperly reports as a foreclosure. I am including the forgiveness letter that I received in XX/XX/XXXX.
In XX/XX/XXXX, I switched cell phone providers from XXXX to XXXX. I called XXXX, who I had been with for 10+ years, to cancel my service. I had 2 leases XXXX on my account, which needed to be returned to XXXX upon cancellation. The customer service representative at XXXX asked if I would like a return kit sent to me in the mail, or if I wanted to return the phones to a company owned XXXX store. I told her I would return them to the XXXX store, and she directed to the the store at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I returned the 2 phones, in person, at the location that the XXXX employee directed me to. I have email confirmation from an employee at that location confirming that the phones were returned. I then received a bill from XXXX for {$440.00} for not returning the phones. I called and explained that I returned the phones, and was told the charges would drop off of my bill. 2-3 months later the unpaid balance showed up on my credit report. I called again, explained the situation, told them I had an email confirmation of the phones being returned, and was told a supervisor would return my call. I never received a return call, but the charge dropped of my credit report, so I assumed the issue was taken care of. I havent received a bill or any communication from XXXX since XX/XX/XXXX. However, I now show the unpaid collection balance of {$440.00} on my credit report. Ive tried to deal with XXXX directly to resolve this issue, as I followed the instructions given to me by the company on how to cancel service and return equipment, I have an email from XXXX confirming the return of the phones, but Im being charged, and my credit negatively affected by the companies disorganization and unfair billing practices. Not to mention that they have failed to notify me of an outstanding debt for the last 15 months, and then proceeded to place the account in collections on XX/XX/XXXX
I attended XXXX XXXX college in XXXX New Jersey and in XXXX New Jersey and while I was in rolled I went to school one day and the doors were shut and now I 'm stuck with a huge loan that I have to repay where I was being garnished and my income tax is taking and I am struggling to get my credit score back up I have no credit because of this and I am legally supposed to be getting it forgives but they 're giving me a hard time this company because they 're so stuck on getting repaid but I am entitled to getting all my money back because I never got to graduate and I can not get my credits transferred in the school shut down while I was in rolled I believe I am entitled to get all my money back and I want to be in a class action lawsuit against the school