WillisBack/dataset-financial-user-claim huggingface dataset:
I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX.  We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.
Navient is reporting to my credit that I have two open accounts that I owe money in which I do not one is for XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX I never opened an account Im a veteran and a surviving widow of a XXXX soldier, I was using the post XX/XX/XXXX GI bill
In XX/XX/XXXX we bought into what was believed to be an online marketing business called XXXX. XXXX educators presented very convincible scenarios where one could make money on-line simply by marketing XXXX products. The largest and most beneficial of those training sessions was called XXXX Masterminds, in most cases, this was a series of four ( 4 ) four ( 4 ) day  training sessions in XXXX XXXX, at another XXXX facility. 

From XX/XX/XXXX through XX/XX/XXXX, we consumed as much knowledge of online marketing as we could through XXXX online training webinars and our coaches. Our first XXXX  Mastermind was scheduled for XX/XX/XXXX through XX/XX/XXXX. XXXX was served a civil lawsuit by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. Consequently, our Mastermind event was cancelled and products/services that were paid for were not received. On XX/XX/XXXX, a Preliminary Injunction was instituted by Judge XXXX in XXXX, FL which is the same as a Temporary Restraining Order ( TRO ), except that it continues indefinitely. 

All FTC filings and updates can be found here ; http : XXXX  To buy into the business of XXXX at a {$60000.00} level, XXXX  provided a process for credit card financing this cost. The process had you charge {$60000.00} on your personal cards and then open new cards to transfer the balances. 

The personal cards we used for this charge were XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and Fifth Third Bank. Upon the news of XXXX shortly after XX/XX/XXXX, we filed disputes with all of these cards. Each credit card company reimbursed our full amount except Fifth Third Bank. 

Fifth Third denied our dispute ( Case # XXXX ) for {$18000.00} after their investigation. This investigation began XX/XX/XXXX with a dispute case number and was closed XX/XX/XXXX. When I called to get status updates, Fifth Third kept referring to a term I was unfamiliar with called charge back. It wasnt until my XX/XX/XXXX phone that this term, charge back was explained to me. I have come to find out that charge back was their term for charging back this amount to XXXX. This was not possible since the civil lawsuit, TRO, and Preliminary Injunction prevented XXXX from conducting any business or communicating with anyone. I feel that Fifth Third Investigator ( s ) did not do their jobs adequately because if they had looked at the web site ( http : XXXX  ), they would have realized or understood that a charge back was not possible. 

In my last conversation with the Dispute Department Supervisor at Fifth Third while I was asking many questions to better understand, she said the case was closed and hung up on me. 

We were awarded all other disputes with each of these credit cards, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX, except Fifth Third Bank. 

Fifth Third practices and processes are not up to par with their competitors and they do not protect their consumers against fraudulent charges or scams. It is for the above reasons I am filing this complaint.
I received a job offer from XXXX XXXX, who then ran a background check on me through First Advantage. 

I graduated with a XXXX XXXX XXXX  on XX/XX/2018, but my background check came up as " DID NOT GRADUATE ''. Obviously this is a serious problem and I don't want my employment offer to be retracted based off this incorrect information. 

The contact method they used shows up as ( XXXX ) XXXX, which when googled, comes up as " XXXX XXXX XXXX '', a third party student data website. The background check should have conducted the search through my school ( University of XXXX  ), not a third party website that clearly has outdated information.
I recently turned in a lease thru US Bank. I paid the lease off early and was almost 3000 miles under the lease agreement. About a month after I turned in the lease a received a bill from US bank for {$930.00} for wear and tear and a contract termination fee ( {$390.00} ). The letter said I could call them to dispute any of the charges. Included in those charges was {$35.00} to replace oil, which was changed as scheduled at the dealership us bank does business with. {$200.00} for scratches in the truck bed, it's a truck and this is not covered in the lease agreement. US bank called me before the bill was due for payment on XX/XX/XXXX asking for payment. I attempted to dispute the charges of the oil change and truck bed scratches and was told it was non negotiable, which is very deceptive since letter says to call them to dispute. I asked to pay {$700.00} and wanted to dispute the rest of the charges. The rep told me the vehicle was already sold and that nothing could be disputed.
Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score.
XXXX XXXX, a company that I have never been affiliated with has charged my checking/debit card {$99.00} for the periods of XXXX - XXXX. Totaling {$490.00} in fraudulent charges. I first contacted XXXX XXXX, who said I would have to deal with the business charging my account. I spoke with XXXX XXXX on four separate occasions, each time I was assured the matter was being taken care of, paperwork was being issued to my address, and the charges would stop. After months and hours on the phone with XXXX XXXX, I decided to reach out to my bank again ( XXXX XXXX ) to close my account to stop further charges. At this point the bank told me I had been misinformed and they would help me at this time. As of today, XXXX XXXX, 2017, the charges have been stopped and three of the five charges have been reimbursed. The additional two charges totaling {$190.00} were rejected for reimbursement due to the amount of time elapsed. However, I was within the 60 day limit from reporting the first charge both to my bank ( XXXX XXXX ) and XXXX XXXX.
Issue : I made a money transfer to Coinbase , Inc. from my bank account, but it was never credited in my account. 

On XX/XX/XXXX, I made a SEPA payment from XXXX XXXX XXXX XXXX XXXX XXXX to the address/account specified by Coinbase : Recipient 's XXXX : XXXX Recipient Name : XXXX XXXX, XXXX. 
Bank Country : XXXX XXXX Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX : XXXX However, this money has not been credited to my Coinbase account. 

I first contacted their customer support ( XXXX ) on XX/XX/XXXX. I received a generic response and emailed back on XX/XX/XXXX. On XX/XX/XXXX I received a slightly less generic response with suggested one action, which I undertook but it did not result in resolution. 

I have since emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX I received another email from Coinbase support, but it was clear that this was a generic message and they are not taking any action to find my missing money.
In XX/XX/XXXX I signed up with XXXX XXXX, a company that 's affiliated with Equifax to monitor your credit. I am a victim of Identity Theft and this monitoring product allows you to lock and unlock your credit file. On XX/XX/XXXX I tried to unlock my file to get my credit reports. There was an error message that read " Temporarily unavailable ''. Since it was XXXX I had to wait to speak with a Customer Representative. On the XX/XX/XXXX I tried to unlock my credit file again, but this time the error message was " Request failed ''. It has been reporting that error ever since the XX/XX/XXXX. I  contacted XXXX XXXX and informed them of the error message. They told me that I had a Security Freeze and I needed to speak with the Freeze department. I was connected and after speaking with them, I was informed that I do n't have a Freeze that it 's an issue with XXXX XXXX. I called back and spoke with another Rep who basically told me the exact same thing that I had a freeze and there was nothing that XXXX XXXX could do about it. They told me they would escalate it the IT department and I would receive a phone call in 24 to 48 hours. I never received a call. I called back on the XX/XX/XXXX and spoke with a supervisor that assured me that the problem would be fixed in 24 hours. It NEVER was or has been. I have been dealing with this since XX/XX/XXXX. I asked how long it would be to fix the problem and a supervisor told me that she did n't have time frame of when it would be fixed. This has caused major problems for me. I am trying to buy a house, but the Mortgage company is unable to pull my Equifax Credit Report. I think it is totally unacceptable for a company to be able to do this to consumers without any explanation and with no regard for how this would affect their lives. I went to Equifax because i thought it would hep me, instead it has only hurt me. Until this day, XX/XX/XXXX my Equifax Credit file remains Locked and no one seems to know what 's going on or how to fix it. This is unacceptable.
Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we requested a copy of the value from Wells Fargo representative XXXX XXXX, he stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule or CFPB guidelines. He refused to help us and referred us to the negotiator instead. We had already reached out to the negotiator " XXXX XXXX '' last week and she has refused to respond. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to provide a copy of the value is because it does n't actually exist and they simply made XXXX up. 

Wells Fargo said they do not intend to comply with the XXXX and CFPB guidelines. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.
I bought a TV from BestBuy on XX/XX/XXXX in the amount for {$960.00}. The TV was broken when I opened it and I went to return it. They said it could not be returned because the TV was broken which makes no sense because that is why I was returning it. I would not expect it to be legal for a retailer to sell a consumer a broken TV which is exactly what they did. It was a horrible experience and the people at Bestbuy were extremely unprofessional. I opened up a dispute with Chase Credit ( Credit card because I charged the TV ). Chase took my information and told me that Best Buy has 90 days to respond. I followed up many times which can be verified through Chase as all calls are recorded for " quality control '' purposes. Finally, in XX/XX/XXXX, I received a letter from Chase stating that the dispute was denied. I called and asked why and was informed that the depute was denied because I did n't respond to a previous letter which they said they sent. I never received a letter that they are referring to I told the representative from Chase that and asked them to resend it and they said they ca n't and they closed the case. I escalated this by emailing XXXX CEO Chase Credit Card Services ( XXXX XXXX, NY XXXX ) at XXXX and called XXXX explaining this and he never contacted me. Instead I got a call from their office and they took my information and several days later told me the same thing that there is nothing they can do. This is absolute fraud that Bestbuy can sell a broken TV and even worse that a credit card would allow such a thing. Under law Consumers are protected from banks being able to commit fraud and I would like kindly ask for assistance in resolving this matter. I informed Chase that I will be canceling my Chase accounts immediately if this is n't resolved as well as changing banks as we do bank with Chase. Please note that I have been a Chase customer for many years and this is the first time that I have had any issue whatsoever and I have close to an XXXX credit score. They said my credit will be ruined if I do n't pay for the broken TV and that is not fair so this needs to be fixed please. I can be contacted at XXXX Thank you XXXX
Eve ry month since I obtained this PNC Bank Visa card I have paid the monthly balance from my PNC Bank checking account bill payer feature. Every month I log into my account, insert the credit card balance amount, the payment date, and submit the electronic pay ment. I timely submitted the credit card payment to be electronically tr ansferred on   XXXX   XXXX   XXXX  . However, on this occasion PNC Bank sent me a check ( see attached ) that is payable to " PNC Visa Card. '' When I received the check in the mail I called PNC B ank and arranged at the suggestion of a customer service person,  XXXX   XXXX , to transfer th e Visa c ard balan ce due to Visa ( a n alternative payment method which I had previously not known was available ) ; and I asked  XXXX  to reverse the late fee and interest related to this screw-up. She said, on   XX/XX/XXXX ,   she could not do that but would escalate my waiver requests. A  day or two later  I was called by a person,  XXXX , responding to the " escalation '' request and she agreed to reverse the {$25.00} late fee and said no interest has been charged. I followed up on   XX/XX/XXXX  , after ch ecking my online PNC V  isa  statement, by again calling customer service and spoke with  XXXX  who said she would again escalate my fee and interest waiver requests as she was unable to connect me to  XXXX  ; and  XXXX  informed me, as  XXXX  had done when she first escalated the requests, that I will be contacted within  48 h ours. But I 've  not been contacted with respect to this matter. So, the late fee and interest charge remains on my account, I want it refunded since the Visa payment was late due to PNC Bank 's issuance of a check to me rather than having electronically transferred the payment to PNC Visa.
I have been disputing this information for months now. I had identity theft done to me with a macys account being opened up in my name. After months of investigation I received noticed from XXXX that the account is fraudulant and will be removed from the XXXX credit reporting companies. Yesterday I received a copy of my credit report from equifax and the results from the investigation on this macys account was ... .it has been verified as belonging to me. I do not understand how this is still reporting on my reports as I submitted a copy of the letter I received from XXXX fraud dept advising me that this account will be removed from my credit reports. Today I called equifax again and explained that this account should be deleted from my report. I was told that it is still reporting and they are waiting to hear back from the company. Last week when I called them I was told it was deleted and not on my report anymore. This is getting completely out of hand as I feel I am just being told anything and I have no idea if this account is on my report or if it is not on the report. I keep getting different stories. While I had them on the phone I brought up another issue in regards to my XXXX XXXX account that I submitted the letter I received from XXXX XXXX stating that the deragatory remark that is reporting as 1 payment late back in 2014 to be removed as this payment 2 years ago was NOT late. I have been requesting and disputing this XXXX account for months now as well. I explained to the customer service rep that this account should be reporting as accounts in " GOOD STANDING '' ... ..however it is still reporting as potentially negative. I want this information corrected because i am just getting all different stories and I feel this information is not being properly investiaged and the letters I am sending them as supporting documentation are just being ignored.
on XX/XX/XXXX My now deceased wife and myself secured a loan for a camper. The loan amount was for {$24000.00}. The court document I received on XX/XX/XXXX states that my monthly payments are {$260.00}. The court document I received on XX/XX/XXXX states my payments were {$280.00}. The first point I bring up is how am I suppose to trust their math when the numbers are different. This would be a big discrepancy on the amount I supposedly owe. I also bring up another problem in which comes in the form of letters right from XXXX. I have statements in which it states I owe a balance of {$8000.00}. This is before the camper was sold by XXXX for the amount of {$5500.00}. Their is also a letter from XXXX stating they charged off an amount of {$7500.00}, and then another {$3800.00}. The total amount charged off is {$11000.00}. I have a credit report statement in which it reflects a charge off for {$8000.00}. None of these numbers match. Should a credit report show all charge offs? This is another big discrepancy. The main complaint is the fact that one of their XXXX ( collection Agent ) by the name of XXXX continued to call me personally. During these phone calls XXXX was threatening and very loud and argumentative. XXXX would also use profanities during these calls. I have a witness to this as well as detailed phone records with his number for the time frame of harassment. XXXX is being fraudulent in reporting the accurate numbers. I also noticed XXXX is no longer assigned to my case. I had brought this to the attention of the Bank. I have attached documents in which proves all information in which I filed today.
I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - Equifax and XXXX be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.
Someone opened a car in my name with out my permission. I reported it to the company and the company refuse to remove the card from my credit report
Received a notice to the judgment debtor of garnishment of personal earnings on XXXX.18 from employer. When pay was deposited on XX/XX/2018 {$230.00} was deducted from my paycheck. This was the first I had heard of any type of lawsuit or judgement against me. I have had no chance to dispute and/or arrange a settlement for debt I am being accused of owing. I will be filling out the request for hearing form on XXXX.18 and calling the attorney listed on the same said day.
My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.