WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has 2 credit inquiries from the same exact bank which lowered my credit score. Not only that, but I didnt authorize either one. Its XXXX XXXX/XXXX. XXXX has also been charging me a monthly charge of {$39.00} which was not authorized and has placed an unauthorized alert on my credit file stating that I must be contacted by phone before extending any credit yet theres no phone number that XXXX will release. XXXX XXXX sent me a letter last week to let me know that.
XX/XX/2018 attempted contact Wells Fargo Bank by phone, spent hours in branch in XXXX, FL ; tried calling. Get hangups, transfers, mishandled ; no REAL attempt to fix issues : 1 ) Autopay since XX/XX/2018 is routinely paying bills late. Have had same billpay date since bank was XXXX and XXXX XXXX. Only since XX/XX/2018 are bills late.

2 ) They agreed to pay late fees, these have not been paid to date. AND the next month bills were also paid late.

3 ) Attempted to mobile deposit checks on XXXX-18. The site would not allow. One attempt I was told was accepted but not available until XXXX-18. Amount in that was wrong.

4 ) Available balance figure is incorrect as of early XXXX-18. Showed AVAILABILE balance with pending to savings transfer. Available balance should reflect pending transfers. Based on this I made purchases. Next I get email as to {$0.00} balance. I transfer {$500.00} immediately. Then I get overdraft fee hours later and I am told the {$500.00} is pending and not available! So now there is overdraft fee. AND I have no idea how much money I have available to buy food and medications! I can not know how much money is available as their actions are not timely.

Autopay scheduled mostly on XX/XX/XXXX of month. For YEARS!!! Payments going out very late in day, pacific time ; after close of business ( XXXX  ) often or later. They are not adjusted as to holidays or date entered when bill is due. Since XX/XX/2018. Sometimes payment going out on last day of month! I never know when bills are paid, when money coming out of accounts, when transfers are posted and available.

It is IMPOSSIBLE to know my account balance.

Wells Fargo will not accept this is an issue. They tell me I do not understand how to know my balance or use autopay. This is causing me fees, credit issues, problems with venders, financial distress, inability to buy basic food and medicine, overdraft fees, etc.

I have had bank accounts since age XXXX  and I am XXXX. I think I know how to use a bank account : I feel Wells Fargo is handling others money poorly. Attempts to fix are not working, takes hours, never happens.

I have health issues and I really can not god this unfixable problem. They pass from one person to another in phone. They drop calls. Going by branch is also ineffective.

Again, it is IMPOSSIBLE for ANYONE to know finds in their account and respond appropriately.

Autopay is supposed to be guaranteed. The email service is supposed to give timely updates on balances to avoid overdraft fees. The charges are coming out late and at all different times so one can not plan on them. Pending charges not in the AVAILABLE balance. Attempts to transfer funds are not timely so it is ineffective. It is a disaster since XX/XX/2018! And they take no ownership of the problems.

Mind you, it has only been like this since XX/XX/2018. So I guess I do not know how to use a bank account or go online banking and XX/XX/XXXX day bill pay date has ONLY been a problem since XX/XX/2018! Guess I lost my facilities in XX/XX/2018?

Doubt it. Wells Fargo is mishandling and providing untimely account information then benefitting from fees they charge.
Our Mortgage Company whom I have our Bank make our payments each month keeps adding on {$13.00} each month for over 3 yrs saying they have someone ride by our home to make sure our home is occupied,,,,,, ... .Now our question is if we are paying the mortgage payment each month on the 1st of each month - WHY would they have to do this? This is the craziest thing if you add that amount up for ONE year is {$150.00} that's one year this can not be legal. This {$150.00} a year should be for three years .... {$470.00}
There is a collection on my  XXXX ,  XXXX ,   XXXX   of {$250.00} that was paid in full around  2009 .
Recently, I needed to make a payment for my teaching course certification fee. I checked my available balance in my Wells Fargo checking account and noted I needed to transfer {$9.00} from my savings account to my checkings account to make my payment of {$600.00} without going into over draft. After the money was deducted from my account based on the available balance at the time, Wells Fargo charged me an over draft fee. The only reason I can find to explain is, is that the available balance displayed to me online was not accurate at the time of transfer and the currency conversion fee at the time had shown up as deducted but was not actually deducted from the funds actually available to me at the time. I have tried contacting my branch manager about this issue through phone and email several times at an inconvenience as I live XXXX currently and can not physically go into the branch to resolve this issue. Additionally, the automated overdraft protection service took the remaining money from my savings and transferred it to my checking account to compensate for the overdraft ; there still was not enough money to cover the amount over drafted, so I was charged the overdraft fee. Now after being guaranteed I would not be charged monthly service fees on my checking or savings account, Wells Fargo has charged a $ 5 monthly savings account fee. Essentially, both accounts have a negative balance and I have been unable to resolve this issue because of the unresponsive and uncooperative attitude on behalf of the bank manager at Wells Fargo. I would like to resolve this issue as soon as possible and have my requests met as I was not in the wrong as a consumer and Wells Fargo has been misleading and refusing to communicate.
VW Credit is reporting a delinquent account when in fact the account was in dispute. Because VW was unable to successfully repair the brakes after more than 4 attempts, I was directed by their dealer to turn in the vehicle and terminate the lease early. Months later, VW Credit began billing me for early termination without warning. I provided them documentation in writing that I was disputing the charges in their entirety. In the period where these charges were being disputed, VW Credit is wrongfully reporting me as delinquent in payments. Now that the account has been settled, they will not cooperate and advise XXXX or other credit reporting agencies to amend the record.
This phone bill was canceled, I instructed the phone carrier to cut the phone off because it would not be in use anymore, the rep said that they could close it out as long as the bill was paid or had XXXX balance. It was never closed, so the next month bill accumulated.
Date opened XX/XX/XXXX Amount : {$6500.00} No action has been taken by company, I was not aware of this collection.
I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.
I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.
Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX   XXXX.please help me to view reports online free.Tried to dispute with XXXX but told dispute not found.
I recently mailed in a copy of my identity theft report to Transunion and XXXX, in order to get information from an identity theft issue blocked. I received a letter issued XXXX/XXXX/2015 from TransUnion telling me that the information would not be blocked without giving me any specific reasons. I have filed a police report as well as an affidavit with the FTC in order to have this information corrected. I have sent affidavits to XXXX in order to have the company investigate the issue at hand as well. 

Transunion has given XXXX general reasons, which are shown in the letter that they lifted straight from the FCRA, even using ( and/or ) for the reasons. This shows that they do not have not made a specific reason to provide me as to why they will not block the information. The majority of the information was inquiries, which can not be corrected simply using a dispute. I have already tried that, and they say they can not remove " factual inquries '' without the identity theft report, which I provided.
XXXX XXXX XXXX  has been continuously trying to contact me for a bill that I do not owe. I have asked them not to contact me about the bill anymore because the bill is to be paid by XXXX XXXX XXXX who charged services that I did not receive from XXXX XXXX. When I informed XXXX XXXX XXXX that they need to remove the charges from the XXXX XXXX  card they did not and kept prolonging the removal of the charges. Initially, I began paying the bill each month for approximately 2 or 3 months, so that it would not affect my credit due to late payments and such. However, because they did not remove the charges from the XXXX XXXX  card immediately I stopped paying and informed them several times that they need to contact XXXX XXXX about the correction that should have never been applied to the card. After several months XXXX XXXX spoke with XXXX XXXX who only replaced approximately 80 % of the original amount. And, as stated above, I had paid them several payments in which I did not owe. XXXX XXXX is holding me responsible for the charges that I did not incur. XXXX XXXX continues to call me on the phone, send letters and contacting family members which does not live in my household. Collection agents are calling family members lying to them about why they are calling the family member stating that I used the family member as references. I have informed the collection agency to stop calling and would report them.
Transunion fails to remove the XXXX XXXX accounts.. Transunion reports incorrectly that this a duplicate account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I received a letter requesting personal information to open a VISA card that I didn't apply for. [ This may be a scam ].
I have attempted numerous times to give TransUnion the opportunity to delete the late pays reporting to these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX these accounts have not been verified nor did TransUnion respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). These accounts have not been late and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue. Remove these negative marks immediately for there are damaging my credit score.
On XXXX XXXX, I was notified by mortgage company quicken loans a.k.a rocket mortgage rep XXXX XXXX that a {$500.00} deposit was required for the cost of an appraisal, which I paid. I, also recieved a message on my dashboard account for rocket mortgage from rep XXXX XXXX the same day referring to the scheduled appraisal date. On XXXX XXXX, I responded to XXXX XXXX asking to postpone the appraisal until after having a home inspection? XXXX XXXX replied, in so many words No. I had to stick to the date which was before the home inspection. The home did not pass inspection by far and seller was not willing to do repairs so I backed out of the contract, only to find out when I spoke with XXXX XXXX on XXXX XXXX, inquiring about a refund of my {$500.00} deposit that I will not receiving any money back. XXXX XXXX, then suggested I speak with a claims specialist whose name was XXXX. I explained the situation to him only to hear I wouldn't get any money back and coincidentally the cost of the appraisal and credit report was exactly {$500.00}. I feel my request was denied and because of it I'm out {$500.00}. This big company has taken advantage of me, I've expressed many times this is my 1st time going through this process. I did my part in asking for a postponement and because of that I shouldn't be responsible for the fees taken from my account.
I have been on an Income Driven Repayment ( IDR ) plan for the entirety of my time in repayment with XXXX. This year, I submitted my IDR recertification request on XX/XX/XXXX. The prior years IDR recertification, I submitted my request on XX/XX/XXXX, which was approved and implemented without issue. On XX/XX/XXXX, I received a denial letter from XXXX stating, it is not yet time to recalculate your payment. We will notify you when it is time to submit your annual recertification documentation. '' I relied upon this representation from XXXX. I got no other letters from XXXX about submitting my recertification documentation. The next letter I received arrived in my online inbox on XX/XX/XXXX, and indicated that XXXX had not received my complete annual documentation, resulting in my increased payment and capitalized interest. My application was submitted prior to the deadline and I received no information regarding a penalty for applying too early. Additionally, I received incorrect and misleading information from XXXX regarding the time to re-submit my application. I relied on this information and, as a result, was incorrectly removed from my IDR plan, had my payments increased, and had my interest capitalized. Finally, XXXX had a valid and complete application on file at all times relevant to this issue that could have, and should have, been processed. XXXX 's customer service has been unhelpful and has given me contradictory information every time I call. I have submitted a full appeal letter trying to resolve this problem, and have still not heard back from them. Meanwhile, my account is past due and they keep pushing me to go into forbearance rather than just fixing their error so that I can make my normal IDR payments.
On XX/XX/XXXX, I submitted a dispute to Equifax ( along with XXXX  and XXXX   ) over a collection debt that was already paid. Here is the 10 Digiti Confirmation Number : XXXX for the dispute with Equifax. 

I have made several attempts to view the dispute status online and am unable view it. Their system is unable to provide me with access to the dispute center so I can view the status of my dispute. I believe their front-web programming team needs to investigate the techical glitches with their website. 

On two occassions, when I was able to access the Dispute Center and went through their verification process, the information Equifax used was not relevant to me. Since the information was not relevant to me, I was unable to access the online Dispute Center. Please make sure they are mixing my information up with my uncle that has the same name ( his middle name has the same initial but, is different from mine ) as I do. My uncle, XXXX XXXX XXXX, age XXXX, lives on XXXX XXXX XXXX, XXXX, Massachusetts. XXXX.
In early XX/XX/XXXX my wife needed medical assistance. The billing company was XXXX, XXXX XXXX XXXX XXXX. I paid the invoice in XX/XX/XXXX. But to today it shows as a deleterious mark on my credit. I asked TransUnion to remove a few months ago but it 's still there. I tried to dispute the entry again this evening and TransUnion 's page would not allow me to do so. Here is the original creditor 's contact information. Please help me resolve this. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
My Credit Report now shows a " Collections '' account regarding a " Check N Go '' account from 2011 being collected ( and reported to Credit Bureaus ) by XXXX XXXX XXXX in XXXX. I immediately contacted XXXX and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. XXXX XXXX XXXX is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.
XXXX   account is showing 90+ days past due as of  XX/XX/XXXX  and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.
Complaint COULD NOT DEPOSIT BECAUSE ATM CARD NOT WORKING. BANK INFORMED AND VERIFIED ACCOUNT IN GOOD DTANDING AND WROTE OFF FEES AND ISSUED NEW CARD. 1-DUE TO SCHEDULING ATM ONLY AVAILABLE BANKING METHOD 2-CALL TO BANK RE MALFUNCTIONING CARD DOCUMENTED AND BANK WAS CLOSED. HAVE DOCUMENTED MSSAGE FROM BANK. 3-WAS TOLD ALL IN ORDER - WAIT FOR REPLACEMENT CARD, 4- CARD MAILING NOTICE SENT-HAVE DOCUMENTATION E-MAIL. 5-WROTE CHECKS - MAILED- WENT TO ATM WITH DEPOSIT BUT NEW CARD WOULDNT WORK. 6-CALLED BANK AND TOLD ACCOUNT WAS FORCED CLOSED ON XX/XX/31 BECAUSE AN AMOUNT OF {$2.00} WAS OWING AND ACCOUNT WOULD NOT BE REOPENED, BUT " GOOD NEWS '' IS THAT THEY WOULD NOT COLLECT THE {$2.00}. 7-THEY DIDNT CARE IF IT WAS ONLY XXXX OWING AND IT WAS TOO BAD NO NOTICE WAS EVER SENT. 8-THEY SAID I COULD OPEN ANOTHER ACCOUNT-AND IT WAS TOO BAD ABOUT THE OUTSTANDING CHECKS! 9-THEY SAID THEY WERE NOT OBLIGATED TO LET ME KNOW THEY HAD CLOSED THE ACCOUNT!
Following is a copy of an email I submitted to Navient 's Office of the Customer Advocate on XX/XX/2018, to which the company never responded. The same problem is happening again tonight, XX/XX/2018. Nothing has been resolved. 

" Dear Navient : Every single month, I am unable to sign in to make my payment. Every single month, you tell me that I have two more attempts and then one more attempt and then my account will be blocked. Every. Single. Month. Even though the information has not changed. 

What is the problem at Navient 's end that prevents the sign-in from working? 

I hope you will fix this. Thank you. ''
Hello, I am filing this complaint in regards to TD Bank not honoring their promotion. I found this promotion on their website and it stated that if I opened a new checking account online and received direct deposits of {$500.00} or more over the first 60 days I would be credited {$150.00} after 90 days. I met those requirements and I have n't been credited the bonus. In late XXXX I went to a branch and the banker told me I did meet the requirements but bonuses are usually paid out after 96 days. I waited two weeks and there still was n't anything, so I called their customer service line on XXXX/XXXX/17. Again I was told by the TD Bank customer service rep that I met the requirennts and he 's not sure why I was n't credited the bonus. He said he would email the promotions department and get back to me. He returned my call and told me that this promotion was for existing customers not new ones. I have a picture of the promotion and it clearly states " New Customers ''. Since then I have called the customer service line 4 more times XXXX on XXXX, XXXX, XXXX, & XXXX ). They all said the same thing, that I met the requirements and they are n't sure why I have n't received the bonus. On XXXX I visited a local branch and the banker there told me the same thing as the others. On XXXX I followed up with her and she told me the promotions department emailed her stating I did n't click the right link but there was only one link to click. On XXXX I was told the promotion was n't active during the period I signed up but the promotion was available on their website. I have been told by 6 customer service reps that I have met the requirements and I should have received the bonus yet their promotions department has comeback with 3 different excuses as to why they wo n't credit me the bonus. I look forward to hearing back from you. Thank you
On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {$39.00}. 

I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. 

When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just " transferred the XXXX XXXX '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX - the bank opening accounts without the account owner 's permission. 

I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from my credit report.
ACS Education Services is refusing to provide a payoff quote for each of my XXXX loans.
On XX/XX/XXXX I received a final notice from my old apartment complex that said I owed the amount of XXXX or it would be sent to a collections agency. On XX/XX/XXXX, I received multiple harassing phone calls from IQ Data Inc. from phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. I received five phone calls from this number in a seven hour period, sometimes repeatedly, to my personal cell. As well as, two phone calls to my other number. Totaling seven phone calls in a seven hour period. I called the company back and spoke with a collections agent named " XXXX '' and verified he was making these calls and his supervisor. I informed them that this was harassment and I would file a complaint and to discontinue contacting me, they refused to acknowledge this request. I also have not received a 30 days notice. 

All of this information will be provided in attachment ( s ) below.