WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint about TD bank 's online service. I added my bank accout on line and scheduled automatic payments on XX/XX/XXXX. TD Bank states that my bank account was added for payments but payments were not scheduled. I know for a fact that i not only added my account but set up recurring payments. I have a printout that states as much. But TD bank states that it is not their problem. 

I contacted TD Bank on XXXX and told them about their website error. I then asked to speak to a manager and they said someone would call me within XXXX hrs. NO one ever called me back. I spoke to a rep on XX/XX/XXXX and they stated once again that a manager would call me. Once again no one called. i once again contacted TD bank on XX/XX/XXXX and was told a manager misunderstood my request and that I would have to wait another XXXX Hrs. At that point my payment would be late again, I had to make a payment. 

On the night of XX/XX/XXXX I finally received a call back from a manager. The manager immediately lied and said that another supervisor called me back on XXXX. After I explained that all 3 reps i had previously spoken to had verified that I had NOT receieved a call back. furthermore while on hold, i pulled up phone records and i verified that no call was ever recieved or message left. After pressing the supervisor on why she lied, she admitted that she was making assumptions and did not really know. The Supervisor also admitted that there was a server error on the day i set up my automatic payment but that it was in another department. 

This company repeatedly lied to me and only had a supervisor call me back after payment was received. Their website is horrible and has a lot of errors. If an error is experienced you might not know and it is the customers fault not the banks.
I have contacted Transunion and XXXX for quite awhile but have had the same problem Transunion and XXXX will not add that I have XXXX XXXX XXXX on my account. They keep updating information from XXXX even though XXXX was paid off and XXXX  balance. XXXX XXXX XXXX has contacted them but they keep insisted that they keep XXXX on even though it have been 7 years that I have had XXXX on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only XXXX XXXX XXXX and to remove XXXX and XXXX XXXX XXXX XXXX XXXX.
In XXXX 2015, I ordered a product from Experian to get my XXXX bureau reports with my FICO score. When I ordered the product through Experian 's customer portal I was told that the FICO score was unavailable. This was very disappointing to me because I am fixing my credit and I spent my money to get an idea of my credit rating only to be set back again. Experian gave me back a refund of money, but I have no clue as to what my middle score is.
My main complaint is I feel my vehicle XXXX XXXX is no longer safe to drive. I request for XXXX XXXX XXXX to apply the repurchase program. However I was told I didn't qualify for the program under the Arizona Lemon Law. However, as a goodwill gesture ( HMA ) agreed to settle my claim and offer to reimbursement of 2 car payments. 

I purchased this vehicle new in XX/XX/XXXX with less than 50 miles on it. In early XX/XX/XXXX I started to have mechanical issues and repairs on my car. Still under warranty. XX/XX/XXXX my engine was replaced with a new one. On XX/XX/XXXX I took my car in for a oil change and recall on the software ( computer system ). On XX/XX/XXXX as I was driving down XXXX XXXX, my check engine light came on and shortly afterwards my car stopped in the middle of the road. I immediately contacted the service at XXXX XXXX XXXX. At this time I advised XXXX XXXX service manager of the situation and that I was going to bring the car back in. After about twenty minutes I was able to get it started and returned back to the dealership. As i was headed back to the dealership I was not able to drive more than 35-40 miles per hour. That was  as fast as the car would go. At one point I stared to pull over and call for a tow truck, but didn't have time because the dealership was closing shortly. My car has been at the dealership since XX/XX/XXXX. XXXX and still unable to figure out the problem. On XX/XX/XXXX ( HMA ) ordered another new engine to be put in my car and again this didn't fix the problem.My check engine light is still on, with no near repair date if any. Please help.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or Experian in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
I had XXXX in my account XXXX checks wrote for XXXX and XXXX dollars went in on one day they charged a maintenance fee for XXXX cents bringing account to XXXX and closed my account same day the next day my direct deposit entered and they told me I could not get my funds in my account unless I went to teller I did that and the supervisor denied me of any money from my account but if I had at least XXXX in positive or negative my account would have remained open the XXXX cents was a partial of a monthly XXXX dollar fee in XXXX was debited the day my deposit was credited is this fair or should the system be changed
I had told Wells Fargo to freeze my account since creditors are trying to send ACH debit to my accounts. Wells Fargo refused to do it and has been charging me {$35.00} each time. They charged me over {$700.00} in overdraft fees since XX/XX/XXXX. They would n't close my account because it is overdrawn because of their fees. I was under a XXXX due to a lot of debt and in the verge of losing everything.
{$4000.00} down payment, on a {$7000.00} loan. Crooks here is a copy of my XXXX   credit report can the company please explain how i owe this much?
The complaint that I have is with SYNCB/DKS. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/DKS. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
We closed on our house in XX/XX/XXXX and property taxes for that year were collected at closing. The original servicer/lender ( XXXX XXXX  ), per our closing agent cashed the check for the XX/XX/XXXX property taxes on XX/XX/XXXX. Our loan was subsequently service released a few months later to LoanCare, whom is now our current mortgage servicer. We received a delinquent XX/XX/XXXX property tax notice early XX/XX/XXXX of this year. We proceeded to email LoanCare on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no return response. It appears per looking at our payment history that LoanCare disbursed payment in the amount of {$2500.00} to satisfy the delinquent XX/XX/XXXX property taxes, which the funds were previously sent and cashed by the original servicer back on XX/XX/XXXX. Essentially we have paid the XX/XX/XXXX property taxes twice with the advancement of payment by LoanCare. We had the understanding that as our current mortgage servicer, LoanCare would contact the original servicer on our behalf to resolve the matter. However, LoanCare just proceeded to advance payment, thus causing us to have a severely negative escrow balance. Our monthly mortgage payment will increase significantly when the next escrow analysis is performed. Please provide any assistance that you can.
I was incarcerated for five years. I was released XX/XX/XXXX from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 

1 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date Opened-XX/XX/XXXX Amount {$900.00} Remarks-Charged off as bad debt. Account closed by consumer. 

2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened- XX/XX/XXXX Amount {$0.00} Remarks-Charged off as bad debt. Purchased by another lender. 

3 ). XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX, FL. XXXX Date Opened-XX/XX/XXXX Amount- {$1000.00} Remarks- Placed For collections 4 ).  XXXX XXXX XXXX XXXX  XXXX XXXX, NC. XXXX Date Opened- XX/XX/XXXX Amount {$180.00} Remarks- Placed for collections 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Opened- XX/XX/XXXX Amount {$8000.00} 6 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX Date Opened- XX/XX/XXXX Amount {$97.00}
My daughter was contacted by this company ( Simms associates ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.
The Home Depot- I am a victim of Identity theft and someone opened an account under my name and SS number without my authorization. I received a notice from credit bureaus regarding missed payments. I have never had an account with The Home Depot. I've made numerous if not 10 or more calls to Home Depot regarding this matter. At a later date they sent my information to a collection agency which continued to harass me and call me at all hours of the early morning. I spoke to a supervisor and told them that they needed to stop calling me as I am an elderly woman who is very ill and reported the woman who was calling me every day. I have never had a Home Depot card and stressed to them that my identity was stolen and still have not received any information regarding this account. Police report attached.
I had a contract with XXXX after the contract ended I kept paying on a month to month for $ 25 month for a second line. I paid my bill and they tried to say I did not and charged me {$120.00} which was not on my month to month. I sent them the receipts and called them several times over the years I have disputed this bill each year and have told the collection companies what happened. I wish that someone can stop them I don't owe anything on this bill. I wish they stop selling it to all these different companies because they are not getting anymore money the bill was paid in full.
I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money
I tried to submit a fraud alert request online with Experian on XXXX/XXXX/XXXX. They ( their website ) said I could n't do that, but that I could mail my documents in or go to their upload page. I am the victim of identity theft and am wary of sending all of my important info through the mail, so I opted to do the upload. 

On the upload page ( XXXX/XXXX/XXXX ), I tried 5 times to submit documents that complied with their format requirements ( PDF or TIF ). Not sure why the PDFs did n't work. I submitted TIFs, and was told that they need to be in XXXX and white. I submitted TIFs in XXXX and white, and they continue to tell me that they are not in the correct format. 

There is no way to talk to a human being if you call Experian, and there is no email or chat assistance. This is incredibly frustrating for someone who is in the very stressful situation of having to deal with identity theft.
The actions are from XXXX XXXX XXXX, representing New Century Financial Services. 
XXXX XXXX XXXX sent a summons in XX/XX/XXXX to an address to which I had a furnished room in XX/XX/XXXX. I moved out of this furnished room approximately in early XX/XX/XXXX. I had no knowledge of this summons. The certified letter returned to court unclaimed XX/XX/XXXX. XXXX XXXX  XXXX used regular mail as well. In XX/XX/XXXX, XXXX XXXX XXXX obtained a default judgment for the amount of XXXX - XXXX added interest and fees. They claim their client owns a debt from XXXX in my name. 
Sometime between, approximately, XX/XX/XXXX I received a letter from XXXX XXXX  XXXX demanding I answer a questionnaire about my assets, bank accounts, and etc. at my current address. I was surprised, and I did not answer because I regarded their actions hostile, invasive, and questionable. 
On XX/XX/XXXX I was notified I had received a letter from XXXX , XXXX , XXXX XXXX XXXX , XXXX . The letter is dated XX/XX/XXXX informing me of a notification of an application for wage execution to be served upon my current employer.
I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.
On  XXXX / XXXX / XXXX  i made two pay ments to Capital for {$75.00}, i cancelled one  but the other went through, to my account ending in  XXXX . I was told it was reversed but i have proof  one of the two w as resolved in a screenshot / I received an  XXXX  report on  XXXX / XXXX / XXXX  stating my request to investigate this error has been received. Since the n ( 7 mo nths later ) i have had my lawyer se nd 4 to 5 lette rs asking for an answer with no resolve.     Pleas notice in the document uploaded that there a re two paymen ts on  XXXX / XXXX / XXXX  for {$75.00},  one is cancelled one is  accepted, it is the one that is accepted that i am referring to as the payment i made. Thank you
I continue to receive calls from this company XXXX, stating that there is legal action against me. They do not mention anything other than that there is legal action pending if you do not return call immediately. For what for, from who, they do not even mention if they are attempting to collect on a debt. All they provide is a case number, they do n't even say if involves a debt, or not. This is purely harassment for something that is n't being disclosed, threatening legal action for something that is not known. Please investigate.
I have had a credit card with XXXX for about 6 months now. I have made payments to this account before online with my checking account which is stored in their system. I recently submitted a payment with this same checking account only to find that it was returned, charging me a XXXXXXXX XXXX fee, because the bank account was " unable to be located ''. So I asked them about it, and they told me to add the bank account again and submit a new payment and they would remove the fee. So I did, I submitted another payment which once again was returned for the same reason. Now I have {$50.00} in fees. Mind you, I have confirmations for all of these payments in my email. After this second attempt and fee charged, I called them again only to be told " well it might have been because you made them payment on a different platform, because your successful payment was made on the internet and your rejected payments were made over the phone '', WRONG. This is false, as I made the payments through their faulty app. The representative said he could only remove one fee after I made the payment over the phone with him, and refused to transfer me to a supervisor. So I said fine, gave him a payment over the phone, told him to remove the one fee and I would call back to get a supervisor later. " sorry sir but I can not remove the fee ''. Once again, the run around. So here I am, with XXXXXXXX XXXX in fees, lies, and no help from this horrible lender, and a payment made which who knows, will probably get rejected again! We will see! 

Representatives name is XXXX. Incredibly rude, refused to help, threatened to end the phone call. Unbelievable.
Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years
I would like to reopen the case # XXXX because Wells Fargo bank is NOT investigating and looking to see if the charge on my credit card is valid. I had a service that was paid but I did not get the service, I raised the issue multiple times with WF and every time they come up with a different reason not to investigate the case. Every time they assign a person to the case and they disappear for a week and then comes with different answer. First they said I received the service and the clinic sent them agreement with the procedure crossed out so WF will not see it, they never investigated why the clinic crossed out the service instead they deny the dispute. I explained to them that the clinic crossed out because they denied my treatment and they called the police to me so I did NOT get correction or followup on the procedure which they crossed out. After informing Wells Fargo and wake them up about the clinic behavior they disappears for a few days and then another person came from WF saying because it is medical treatment then we are not investigating it, so why then they allow people to use credit card for medical treatment, doe not make sense at all. In another response from WF they said we will give you {$300.00} so they can avoid the dispute and avoid spending the time and effort to investigate but I paid {$1200.00} not {$300.00}. There is customer rights under credit act and if the service is bad or not done then a refund must be issued but WF does not follow the credit card customer rights, I need my money back, I have police report, I have proofs or service that was not done and also I have proofs of WF not doing his job in looking after people who charge credit cards without doing the service. 
I attached the police report shows that the clinic stopped me from going to the clinic to correct and followup on my bad XXXX. I also attached two certified XXXX  stating that the procedure has to be redone.
On XXXX XXXXXX/XX/XXXX I received a letter of explanation from the Wells Fargo Dealer Services the events leading to have XXXX late payments filed on my credit reports. WFDS reports they received a check from Passport XXXX of XXXX in the amount of {$27000.00} and posted it to my account on XXXX XXXX, XX/XX/XXXX however " it was an insufficient amount with regard to paying your account in full so the account remained 12 days past due for the XXXX XX/XX/XXXX installment. '' My monthly installment payments to WFDS was {$740.00}, per my loan contract, therefore the payment WFDS received from Passport XXXX was more than sufficient the pay the XXXX XX/XX/XXXX installment. If the payment received from Passport XXXX was insufficient WFDS should have declined payment and returned the check, when they accepted and posted the check they accepted the amount as payment. WFDS also reports my loan was 12 days past due, loans are generally reported late after 30 days yet this loans was reported late after 12 days. I do not understand why different credit reporting practices were used in my case. WFDS sent me a letter the XXXX week of XXXX XX/XX/XXXX, stating my loan had been paid in full and was closed in good standing ; there was not a mention of this letter from WFDS. They also report on XXXX XXXX, XX/XX/XXXX a payoff quote was provided to Passport XXXX for the amount of {$300.00} which was good through XXXX XXXX, XX/XX/XXXX ; on XXXX XXXX, XX/XX/XXXX XXXX received a payment in the amount of {$300.00}. The actual quote should have been {$230.00} however WFDS failed to mention this as well. 
As a result of WFDS fraudulent reports my credit report suffered XXXX point, I was denied credit for a home to be used as my primary residence. I do not believe WFDS would have compromised my credit and if I were not a XXXX female. I believe that WFDS has engaged in discriminatory and unethical practices. In the report WFDS signed and claimed to be a true statement they have disregarded information relevant to my claim and proves they did not act on good intentions.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Back in XXXX, we filed Chapter XXXX bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the " bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately XXXX years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to dispute this but to no avail.
SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. 

I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. 

All the numbers I call or can find online either dont work or they have no idea. 

on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. 
I wrote them month ago no reply. 
This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. 
XXXX XXXX
I wanted to close a security freeze lift I had placed on mycredit file earlier than originally input. Experian providesno means to accomplish this.
I'm a co-signer on my daughter 's loan she had with XXXX XXXX. She applied for a {$20000.00} loan, but was approved for {$17000.00} at 7.5 % interest - dated XX/XX/XXXX. Letters I receive still have it that she applied for a {$20000.00} loan at 9.625 %. 
The full amount was never used. There was going to be 4 disbursements. 
1 ) XX/XX/XXXX - {$7900.00} - Disbursed 2 ) XX/XX/XXXX - {$3300.00} - Disbursed ( On XX/XX/XXXX I informed XXXX a representative of XXXX XXXX that the 2nd disbursement of {$3300.00} was not needed. I informed financial aid at XXXX ( XXXX ) XXXX to send back the disbursement. I also was given the website XXXX/disbursement to check on the status. 
3 ) XX/XX/XXXX - {$3300.00} - Cancelled 4 ) XX/XX/XXXX - {$3300.00} - Cancelled The only amount that was disbursed was {$7900.00}. XXXX XXXX informs us that we owe for the first and second amounts - $ {$11000.00} Payments aren't being credited Harassing phone calls, letters and contacting family, friends who have nothing to do w/loan.
Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. 

I have also filed a claim against CHASE with the XXXX - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. 

Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! 

I have tried every attempt possible and CHASE is NOT responding to communicate and rectify!