WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX credit insists on not offering an option to autoay how the customer would like, be it minimum balance or other amount? No such feature exists to its customers? In this day and age this feature should be commonplace. Instead XXXX would rather trap the customers into perhaps missing a payment on their due date when all along a simple auto pay feature would mitigate this issue. Other credit card companies can navigate this, why not XXXX? XXXX only offers setting scheduled payments out one month. This requires the customer to log into their account monthly and set up a new payment. That solution is ridiculous. If I can auto pay my mortgage and numerous other credit cards, utilities and any other loans with an auto pay feature there is no good reason that XXXX should exclude this option to their customers. This lack of flexible payment option ( s ) ( ie auto pay ) only benefits them by preying on customers so late charges may be charged when the customer misses a payment.
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.
XXXX XXXX Bank XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX.
Hi, I was unfortunately a victim of fraud through REloadit packs. This is not REloadit 's fault, but when I realized that I was being defrauded I called them right away. I had to speak to many different customer service reps until someone understood what I was talking about. When they looked up my REloadit packs, they said they were added to two different REloadit Safes which still had funds on them. I was told that the REloadit Safes were frozen, but that I would not be able to get my money back since I had been the one who " authorized someone else to use my packs. '' I think if the money is there, the fraudster 's account was frozen, and I am providing proof that I purchased the packs, I should be able to receive my money back.
AAA accepted and cashed a check in full and final satisfaction which is a written contract accepting final sum. They refuse to stop billing and are now assessing penalties and interest and sending me another card and another bill despite the fact that I have communicated with them to discharge and close out this credit card. 

See attached
To w hom it may conc ern, I mailed a  Multiple Inquiry Rem oval  Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you belie ve this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report  display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
This agency continues to report a debt that I do not owe. Although they responded to my dispute of this erroneous account, they did not provide proper validation. The correspondence that sent me is from an address that they are not bonded to collect in Texas at. They continue to use this address illegally.
U.S. BANKCORP. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
On XX/XX/XXXX, I paid off a card that I had gotten from the retail store. They added an extra fee to the account after I had paid the account. I called and spoke to a representative and they stated the fee would be removed. However, the fee remained. I called back again and the second representative removed the balance. It is also showing that there is a period where I missed a payment XX/XX/XXXX when that is not the case. I have called and spoken to two representatives so far.
When I was XXXX I set up a student XXXX PNC Checking and Savings Account. I was told I would never be charged a fee for this service since I am a student. Last XXXX PNC upgraded my account and changed the terms and conditions of my account without telling me or having me sign anything. I called and they said they sent me something in the mail and that 's all the notification I needed for my account upgrade. They never did anything besides sending this letter, which I never received because I 'm at school, I was never asked to sign anything to agree to the new charges and terms and conditions to my account. I was charged {$15.00} a month for an account that I never signed up for. PNC admitted it was a mistake for my account to be upgraded and said they would only reimburse me for XXXX of the XXXX+ months I was charged for having below a {$1500.00} minimum. I have never had more than {$2000.00} in my account at a time. PNC admitted it was a mistake and refuses to reimburse me for this fraud. They lied to me and waived my account terms and conditions as a student without my direct knowledge.
In late XXXX of 2017 I paid a Principal Payment to my Line of Credit account at my former bank Santander in the sum of $ XXXX.I then received a letter from the bank that I was forced to pay a late fee of {$69.00} for not making the regular payment. For more than 6 months up till XXXX XXXX of 2017 I paid my bill in Principal.I was angry and infuriated at Santander and their predatory practices not only I paid them {$70.00} I paid an additional {$21.00} to cover the fine which made no sense.
On XX/XX/2018 I initiated a XXXX  transfer through my Citibank mobile app in the amount of {$1300.00} to my landlord for rent payment. As usual I logged onto my app and initiated a payment by selecting my landlord 's email address on the list of contacts. On the night of XX/XX/2018, she contacted me to advise that she never received the funds. I looked in my list of transactions and the money was taken out. I looked further on the list of XXXX transactions and realized it indicated that the funds went to an unknown individual. I called the bank and they opened up an investigation. The investigation then resulted in them claiming that I initiated the transaction by entering this unknown individual 's XXXX digit telephone number. I advised them that I did no such thing and this has to be some type of fraud where someone intercepted this transaction. I appealed the decision which resulted in them claiming that I mistakenly inputted the phone number. I appealed it again as I've only sent transactions with email addresses and individuals that I know who are on my contact list. I've visited 2 branches and tried to get help with no luck. I tried calling the unknown individual when this all started with the advise of the citibank rep who opened up the initial investigation. I spoke to the woman who claimed that she had 3 bank accounts and she would have to check each one. While on the phone with her she checked her Citibank account and her XXXX account. She said no funds came in. She then strangely said that her third bank account with Bank XXXX XXXX was recently closed and that is the bank that is associated with the phone number I called her on. She then went on to say that the phone she picked up was her daughter 's. She said she would confirm and get back to me. She never got back to me and after the first appeal with Citibank I went to a branch in XXXX, NY. While with the bank rep we attempted to call the number together only to discover that the phone number was disconnected. On XX/XX/2018 during my second appeal, I requested the documentation from the first investigation. On XX/XX/18 they mailed me a screenshot of their system which basically just states that " names do not match. Funds not available. Funds will not be returned ''. They did not look to see if this is fraud, they only looked to see that the names did not obviously match and refused to look deeper. If this is a fraud where people are diverting funds during a transaction, it must be investigated properly. I did not input a phone number when initiating this transaction. I also attempted to contact XXXX because citibank claimed that once the funds are posted and out of my account, the funds are in the XXXX network and they can not do anything. When I contacted XXXX, they state that unless the transaction was performed in a XXXX XXXX, they cannnot do anything.
Westlake financial bought out my loan on my XXXX  i make my payments on time but they call me all through the day and night even on Sunday 's wanting me to give my bank account information so they can automatically withdraw the money I don't trust them so I send a personal check and they keep saying if I don't give my info they are going to report my XXXX  and all payments are current and I have the checks to show it
I'm am not responsible for this account.. I never had an account w XXXX.. I have disputed w XXXX and 3 credit bureaus .. I had XXXX XXXX for many years .. in the past. I am a victim of identity theft.. I'm not able to get info as to where the address of service was placed. I lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfrom XXXX to XXXX then moved to XXXX XXXX XXXX XXXX XXXX XXXX tx from XXXX to present I now have XXXX XXXX.. I sent a letter asking for XXXX to provide the address of service.. They just state I owe bill and denied my dispute.and resold my act to another agency. Please investigate for removal from my credit reports I'm attaching documentation
In XX/XX/2018 XXXX leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of XXXX XXXX who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that XXXX XXXX was reporting me 60+ days past due on the lease. I immediately contacted XXXX XXXX and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. XXXX XXXX should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. XXXX does not seem to be in any rush to follow through on their promises or obligations to their customers.
On XX/XX/XXXX I was contacted by XXXX XXXX ( NMLS # XXXX, State License # XXXX ) of Caliber Home Loans of XXXX Georgia to inquire about loan products offered by his company. On XX/XX/XXXX, after gathering all necessary information, I was prequalified for a loan to buy a home ( however I did not receive my prequalification letter until XX/XX/XXXX ). Between XX/XX/XXXX through the end of XX/XX/XXXX, XXXX XXXX and I remained in contact as I inquired about and was updated on the status of my loan application. On many occasions I was assured by XXXX XXXX that the progression of my application was positive. Relying upon this information I retained a realtor and began the process of looking for a home. On XX/XX/XXXX XXXX XXXX emailed me to inquire about my search for a home and to get my realtors information. By mid XXXX I had found a home I desired to put an offer on. I ( through my realtor ) reached out to XXXX XXXX to inform him and to inquire about the status of my loan. I was assured that with his " decades '' of experience my loan would close quickly. At no time prior to or during this process was I informed or advised of any adverse issues related to my loan. On XX/XX/XXXX my realtor emailed XXXX XXXX to inform him of our intent to enter into contract on a desired property. Still, there was no word from XXXX XXXX on any pending or potential adverse action related to my loan. On XX/XX/XXXX I entered into contract to buy a property. On XX/XX/XXXX, a copy of the executed contract was emailed to XXXX XXXX by my realtor. On XX/XX/XXXX XXXX XXXX emailed me of possible loan structuring options available to me. On XX/XX/XXXX during a phone conversation I requested the boiler plate terms and conditions for loan products offered by XXXX XXXX 's company, along with the terms of my specific loan, in writing. At that point XXXX XXXX became aggressive and combative on the phone, but assured me he would have the information I requested emailed to me the following day. On XX/XX/XXXX XXXX XXXX called to inform me my loan had been denied. When I inquired as to why, he stated reasons that could have been ascertained during our initial conversations in XXXX, XXXX. He then failed to provide me with an adverse action letter, only doing so after I threatened to file a claim with this bureau and the XXXX. XXXX XXXX 's gross negligence caused me the loss of my earnest money in particular, and my faith in the lending industry in general.
This company contacts me at least four times a day, from right at XXXX XXXX to right before XXXX XXXX. They call from several different numbers from Ohio to Florida. 

Today, XX/XX/18, alone they called from XXXX at XXXX XXXX., XXXX XXXX, XXXX XXXX and XXXX XXXX Yesterday they called from the Ohio number at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX   I've already spoken to someone regarding my account a week ago so this is now harassment and illegal practices they are performing.
I have XXXX Amex accounts - a business account and personal account. On XXXX/XXXX/XXXX, I redeemed Blue Cash Preferred Reward Dollars from my personal account for XXXX American Express Gift Cards totaling {$170.00}. The website would n't accept my billing address, a XXXX XXXX , as a shipping address so I called customer service. The agent said they do not ship gift cards to a XXXX XXXX . I explained that the USPS does n't deliver to my physical address. I also informed the agent that I received Amex gift cards in XXXX, using points from my XXXX Amex card, that were sent to my XXXX XXXX . The agent eventually agreed to ship the gift cards to my physical address via XXXX. I received an order confirmation via email ( attached ). On XXXX/XXXX/XXXX I received an email ( attached ) confirming shipment of the gift cards - but the tracking code link to the USPS did not work. I contacted Customer Service and began an endless process of being transferred from one department to another over a period of 3 weeks. I was informed that I must wait 7 - 10 business days for delivery. After waiting 10 business days I was informed that the cards actually shipped on XXXX/XXXX/XXXX so I needed to give them a few more days. Then I was asked to allow more time for delivery and if the cards did not arrive Amex would expedite replacement cards via XXXX. On XXXX/XXXX/XXXX I was informed that the cards never shipped and to allow 3 - 5 business days for an investigation ... I 've been an American Express member since XXXX and never had such a bad experience with customer service. Every call required starting over and many of the agents did n't listen to the details and did n't seem to care. A few of the Amex customer service agents I spoke with were very rude. I have consulted an attorney but have not retained his services yet.
I was recently a victim of an identity theft. My bank account associated with direct debit for my student loan ( AES ) was emptied out and it had to be on a freeze. While my account was on hold, direct debit was rejected and I was hit with a late fee. I contacted AES to explain my situation and to have them reverse this fee but, they refused. I was never late once for over 10 years and I could not believe they would not waive a small penalty due for my uncontrollable circumstances.
My name is XXXX XXXX XXXX, that is XXXX XXXX XXXX but I saw on my EQUIFAX credit report somebody 's else name XXXX XXXX XXXX, which is not me. Please remove the name XXXX XXXX XXXX because its effects my credit scores.
On XX/XX/2016 I applied for a loan on ( bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX in the amount of {$800.00} from a company named Big Picture Loans .On XX/XX/2016 I received an email saying that I was approved for the loan and that and my funds are on the way to be deposited to my checking account.On XX/XX/2016 a deposit was made into my account for {$800.00} from Big Picture Loans.Now the loan was for {$800.00} and they said that the finance charge is only going to be for {$200.00} so I said when they called me that it was only going to come out to a total of {$1000.00} for everything so I was being charged {$200.00} for borrowing {$800.00}. So on XX/XX/2016 they took out {$200.00} from my checking account, which I was okay with. On XX/XX/2016 I get a text stating that a payment was processed on your account recently.If you have any questions please call us at XXXX. So I go on-line to my account at bigpictureloans.com and logged in and then I called them to ask why I received the text when my next scheduled payment is n't until XX/XX/2016.So I asked for more information about my loan and he told me that I have to pay {$200.00} for five payments before I start paying off my {$800.00} loan.I said what so I am paying more than the {$200.00} for the loan he says yes you are.. I said no I will pay it off completely today he said that I ca n't I have to give 3 days notice before my next scheduled payment is due. I said that today is XX/XX/XXXX and its before my next scheduled date of XX/XX/XXXX so I am informing you now that I am going to pay it off today for the amount of {$800.00} since they have already taken the agreeable {$200.00} finance charge. I contacted my bank and stopped all request from Big Picture Loans. I had to pay {$30.00} fee for this to stop all activity. I informed them that I am filing a complaint with your company and that I stopped all payments from my bank and then I called him to inform him that I will be mailing out a bank check for the amount of {$800.00}. for the loan. So they received enough notice on all legal activity that I had done. Then I go on*line to find out that this is a scamming company and they have so many complaints against them.This is there information take action against them to stop these illegal practices, These " Tribal Operations '' Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I am going to pay them {$800.00} plus they already took the {$200.00} for the loan. I had no intention of not paying them back.Just so glad that I stopped it before they continued to take from my checking account. The illegal interest rate that they are charging me of 780.03 % - 788.62 % on {$800.00} is so crazy. Not all of the details of the loan were made visible to you at the time of the loan submission.These " Tribal Operations '' have already been fined Millions by the feds. Here is the company full name and mailing address Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX.Please help me stop these scam companies from hurting families in need of a loan. thank You XXXX XXXX
When credit bureau XXXX and transunion are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into two with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?
The year of XX/XX/XXXX Tax information was amended. I owe a XXXX balance by the social security administration. It's when I applied for XXXX that i started receiving these harassing phone calls and letters. This is a collection agency i never heard of false information. I don't owe {$5700.00} to the Irs. I wasn't working in XX/XX/XXXX and XX/XX/XXXX. I only worked for the XXXX XXXX XXXX and that was only years. I'm being harassed by a company named conserve. I don't know them and never did business with them. I owe student loans. By the Department of Education that i must pay monthly. It's not fair that I am being harassed every day. I have a freeze on my credit report. How was they able to biy this account and harrass me. I send in all documenations disputing this claim. And they still are trying to collect a debt i donot owe. At all.
I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011.
A person called me from phone # XXXX XXXX XXXX, and previously left a message saying the call was from XXXX Court. XXXX XXXX, said she was the assistant to Attorney XXXX at XXXX, NM court. She was calling about a judgment against me. She putt me on hold to talk to Mr XXXX several times and told me the {$25000.00} judgment against me could be settled by paying 4 payments for XXXX, or 1 payment of XXXX I informed her i am on XXXX since my XXXX XXXX and i make {$190.00} per month and do not have assets equaling XXXX nor do i even make that in 1 year, much less XXXX per year. She said if i do not make a payment today, they will enforce the judgment against me for XXXX She had stated thecredit card was Wells Fargo and they had brought charges against me inn XXXX county,  NM. I told her i would call her back. Then called the XXXX courthouse in New Mexico and spoke to my friend that works at a law office, she also called the XXXX courthouse, they said no one with the name XXXX XXXX, nor Judge XXXX works at or for their courthouse ore court system. I did NOT call XXXX XXXX back.
I disputed an error on my Experian credit report on XX/XX/XXXX. They have a negative account from XXXX XXXX company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and XXXX XXXX sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.