WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted Transunion through mail on XX/XX/XXXX, in reference to accounts with XXXX ( 6 ) for inaccurate info being reported and received from them verified / updated dated XX/XX/XXXX. I received in the mail on XX/XX/XXXX a response from them. In the letter I requested how their verification took place for these accounts. What physical evidence do they have from which they are verifying from? I received a report informing the info was updated. I did not receive the info requested. Ive included my ID and Social.
Last month I spoke to a representative from the ( Speedy Cash ) company and was told that I missed a payment and that it needed to be paid and so not only did I do that I also explain to the representative that I wanted to opt for automatic payments so she set everything up for me the call was pleasant and we hung up, not once in that conversation was I told about any behind payments nor was I informed about my car being on a repo list my car is paid for theres no way I would ever have someone take my car from me for XXXX XXXX dollars or XXXX XXXX dollars its my only means of transportation for me and my family and as of this morning my car was taking I called the police because I thought it was stolen from me without notice of any kind it was repoed.I spoke to a lady in theyre recovery department to try and resolve the issues and she tells me that all these fees need to be paid before retrieving my car and this is where the problem lies, I am willing to pay obviously what I owe but I dont feel that I should be responsible to pay other fees that are associated with theyre laws if I didnt know the status of my car theyre saying they attempted three times by mail I dont have one correspondence from them out of three attempts I at least should have gotten one of  them an or a email or something and I didnt the last email I got was from a successful payment on XXXX/XXXX/2017 they could of called me anything but nothing. No one ever reached out to retrieve the initial payments because I could have resolved it and I feel like this is and attempted to get monies from people without purpose but I just dont have it to give please help me out. Sincerely Angry Consumer
I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXXXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.
Two of my 'references ' were contacted by XXXX of the XXXX , NC office of Mariner Finance on XX/XX/2018 about a debt I have with Mariner Finance. I called XXXX after learning she had contacted these references. XXXX said she did this because she hadn't been able to reach me. When I responded that I had spoken to two people in her office just last week and had agreed to make a payment by the end of XXXX, XXXX said that the notes on her computer said this, but, she had to contact my references because she didn't have an exact date when my payment would be made, and couldn't reach me. I told her that I did not need to contact her prior to the end of the month because I had already agreed to make a payment by the end of XXXX. I told her to not contact any of my references about my debt.
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from Discover, XXXX/XXXX ( XXXX ), XXXX, and XXXX.
XX/XX/XXXX : PennyMac Loan Services, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. NMLS ID # XXXX provided payoff statement on XX/XX/XXXX for XX/XX/XXXX. The amount was {$190000.00}. 

XX/XX/XXXX PennyMac Services, LLC received the wire transfer on XX/XX/XXXX XXXX  XXXX XXXX has confirmed that PennyMac has received the Payoff ( {$190000.00} ) on XX/XX/XXXX at XXXX EST.PennyMac did not provide a written final payment statement after request. 

XX/XX/XXXX to XX/XX/XXXX Pennymac has not applied for the payments correctly and closed the loan. 
PennyMac has not responded to the written emails.

PennyMac has not provided the final statement and the ETA to release the lien. 

Customer Complaints : Applying your payments correctly, Misreporting mortgage account status to you or to credit reporting agencies, Paying additional fees
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX ACC # XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$590.00} XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
CitiCard/CitiBank : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code
I disputed this a account Choice Recovery, Inc which is an unknown account to me and it is not my debt. I disputed the cle tion account t on XX/XX/XXXX with XXXX, XXXX, and XXXX. I disputed the collection account advising all the credit monitoring reporting agencies that this was n't my debit and it was unknown to me. On XX/XX/XXXX, XXXX had completed there investigation and updated and removed the account from.my file. However, XXXX and XXXX both concluded different results ... both agencies verid account as accurate.
I had a XXXX XXXX Credit Card account that was removed from my Equifax Credit Report approximately 6 months ago. At this present time XXXX XXXX is currently on my report once again.
Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.
After 17 years with other mortgage with no problem or dispute. note all do have office in NJ if by change any problem need to be resolve. Nationstar Mortgage enter the picture in XX/XX/XXXX, problems starts, unfair escrow practice, no office in NJ to talk in person. By pass XXXX to make calls to me XXXX times a day for months. Problems not resolve, block my payment to house insurance [ the insurance send me a refund check ], start to returns personal checks for principal & interest only. IRS form show two month short of principal & interest. House loan not going down. compound interest, charging late fee, charging property tax, Making mistake in last year escrow [ XXXX ]. Hard to talk over phone, refuse to talk to me, want only talk to my wife just because her name is on it. Credit rate went down, had to pay higher interest rate for a auto loan. Nationstar Mortgage is not a XXXX Accredited. Credit rate for XXXX/XXXX/XXXX/ done by XXXX which also pay the property tax for Nationstar Mortgage , possible house Insurance.
I made two payments to Capital One and those payments were debited from someone else 's checking account. I called to ask when this account was added to my account. They could not tell me. This checking account did not belong to me. There has never been a record of my account being paid from this account. Yet they could not provide me with an answer of why my payment had been taken from this account. This in my opinion is some type of fraudulent transactions on my account, yet they could tell me nothing. Their only solution was to credit the account the money had been taken from by " mistake '' and then debit from my original checking account that has always been used to make payments from. They suggested that I change my login information. I only hope the person whose account was mistakenly withdrawn from did not suffer any hardships.
There is a judgement against me, it has been paid and the court has received a letter stating that the debt has been satisfied, but the judgement is not off of my equifax report, but it has been taken off of XXXX and XXXX. The debt is satisfied and equifax will not take it off.
Frequent calls at my place of employment and told them to not call my job as I could lose my job. They will not give me any information on why they are calling.
Security Credit Services had the collection from XXXX XXXX XXXX for an auto loan that got repoed. I paid the debt to the collection agency
Good Morning, So here is my issue I 'm more concerned with how to fix the problem with private loans as I have no issues with the one small loan I have as a XXXX federal fixed rate loan. I graduated in XXXX XXXX and it 's like I 'm paying a second mortgage back ( over $ 40K ) after consolidating years ago on several fixed rated loans through XXXX XXXX, now known as Navient. I wanted one bill instead of several so I made that mistake, I will never consolidate again!! Learned my lesson. I have reached out to Navient multiple times and they keep saying the same option and only option I have. Their forbearance option is a joke!!!! Why would I want to raise my interest as it sits for 4 months unpaid and pay them {$50.00} more dollars to set that plan up!!! Navient is not willing to work with me on anything to get a lower monthly paying and it 's almost up to {$300.00} a month as the interest on this loan as has risen 3 times in the past 3 to 4 months. My husband and I both work FT and very hard but this bill has given us nothing but grief and if it sends me/us into collections and screws up my personal credit we will never be able to move forward in any way, new house, new car if needed, any medical expenses we are trying to pay off etc. We have a house to pay for, cars, medical bills, daycare expenses etc. and two young ones to make sure they are taking care of at Drs. appt., when needed etc. This is making it very difficult for us to keep up with other bills, their daycare expenses, paying our mortgage on time and putting food on the table among other unexpected bills that can occur through the months. I know there are many people, students in this predicament and I feel this needs to be addressed immediately and taken very seriously. I ca n't even transfer this loan to a personal or to another lender if I want to as it 's too much money to pay off anywhere else and I ca n't get a personal loan in this amount, it 's not allowed. The interest rate on this loan has risen at least 3 times in the past several months and if the bill goes up to {$300.00} as it 's already XXXX, I will have no choice but to not pay it as food on the table for our boys and being able to keep our house and have heat from oil deliveries needed is more important. I do n't want this to affect our credit as we hope to move within the next year or two. However, if we lose our home etc. because of them it would be a tragedy and I would be very furious. This is unfair!!!!!!!! PRIVATE LOANS MUST BE ADDRESSED!!!!!! I ca n't stress this enough. SOMETHING MUST BE DONE BEFORE THEY DESTROY MY LIFE AND SO MANY OTHERS!! 

Sincerely, XXXX XXXX XXXX
Transunion is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.
I have as ked Stevens Business Service multip le times to stop calling and they continue to call.
Working with XXXX, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.
First contacted XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute. 

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.
Pro Collect is collecting an illegal debt on behalf of XXXX XXXX XXXX even after I indicated I submitted this to the Attorney General of Texas. I do not owe the {$1200.00} and I want this illegal debt off of my credit reports and all calls from ProCollect to cease and desist.
I paid XXXX XXXX {$5000.00} so that my account would be at a XXXX balance. But they are still saying I owe them money. They took my money and wont give me credit for it
I returned the product ( cell phone ) on XX/XX/2016, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XX/XX/XXXX to XXXX XXXX XXXX to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from XXXX XXXX XXXX ( XXXX ). After I returned the product back and contacted with XXXX, XXXX said that they already sent the money to them and closed the case. Further, because my case is expired, XXXX ca n't reopen my case again ; thus, I did n't get the money back until now. 
I also contacted with the seller 's bank " Paypal, '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. The merchant 's company did n't register and fraud. I am thankful Paypal is holding this transition, but XXXX reply I lost the case and they ca n't do anything for this case. I indeed returned the item and I hope it is not too late to get my money back before Paypal transfer my fund to the seller. Could you help me to solve the problem? 
Thank you so much.
I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.
I currently have 2 accts with mohela student loans that are currently in active and in good standing. On my credit reports it shows late remarks from XX/XX/XXXX through XX/XX/XXXX. I was in a forbearance at that time, due to a tragic accident that my wife was in and she passed away and she happens to be the mother of my XXXX year old daughter so I'm currently raising her all by myself and during that time period I was offered a forbearance on my loans and I was advised that it wouldn't have any negative effects on my credit report. Well now I notice the company was reporting late payments during those time periods which is hindering alot of financial things in my life. Its stopping me from getting a promotion at work which would substantially increase my salary by approximately {$1200.00} a month, my car insurance is higher than it could be, and I'm also in the middle of trying to close on a mortgage and it's not giving me the opportunity of a prime interest rate. So this is costing me about {$1700.00} dollars more per month, all while im trying to raise a XXXX year old all by myself in a good structured environment and living situation. Somebody please help me as this matter is time sensitive so that I can close on my mortgage prior to my XXXX year old starting XXXX in XXXX which she is very excited about. This would help substantially towards helping a XXXX year olds living situation alot better if this can be corrected quickly. Thank you and XXXX bless