WillisBack/dataset-financial-user-claim huggingface dataset:
I have two complaints to make from XXXX experience. I made a payment online on my credit card from Chase sometime during the week of XXXX XXXX, 2015. The due date for payment was XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into my account online and noticed the payment did not go through. I checked my bank account, and noticed the funds were not taken to make the payment. As a result on the non-payment, I incurred a {$35.00} late fee. I contacted the credit card company to investigate the issue. After I explained the situation, they asked me to answer some questions in order to gain access to my account online. However, the questions they asked were inappropriate. They asked questions typically associated with verifying information from a credit report. Credit card companies have no business using Information about other credit card accounts or mortgage accounts as security questions for their account. I was not applying for a credit card or home loan. I was investigating a potential mistake that they made. The questions should be more appropriate to the account in question. Since I refused to answer questions I felt were inappropriate, they could not assist me any further in investigating when I was last logged in or if a payment was never confirmed after being entered. The customer service representatives handled the situation as best they could given their policies. However, the policy implemented by Chase of using " credit-report '' style questions to access credit card accounts during customer inquiries is inappropriate. Furthermore, the fact that it impeded an investigation into a potential mistake by the credit card company makes this also an inappropriate policy. Although I do not have any email documentation that shows I scheduled the payment before the due date, I am pretty confident that I logged into their website and made the payment.
In XX/XX/XXXX, BBVA Compass posted a special offer on their website that they would give new checking customers a {$200.00} bonus if they opened a checking account ( either online, by phone or in person ) by XX/XX/XXXX and made a direct deposit of {$300.00} within 60 days of opening the account. I opened a new checking account with them on XX/XX/XXXX and made a {$300.00} direct deposit from my paycheck on XX/XX/XXXX, therefore meeting with requirements to receive the bonus. The special offer stated that the {$200.00} bonus would be credited to the account within 60 days after all requirements were met. After the 60 days passed, I had not received the bonus, so I sent an online message to BBVA on XX/XX/XXXX to ask if they could confirm that I met the offer requirements and find out why I had not received the bonus yet. 10 days later they responded to confirm that I did open the account during the offer time period and did make a correct direct deposit in the account within the offer time period ; they also added : " At this time we have submitted an escalation to further review your account regarding the promotional credit. Please allow 24 to 72 business hours for processing. '' After the processing time passed, I had still not received the bonus, so I sent another message on XX/XX/XXXX to check on the status of the review process. There had been no response to my message by XX/XX/XXXX, so I called their customer service phone number and explained my problem to the representative ; she said it appeared I had met the requirements for the bonus and would create a ticket for the bonus to be credited to my account. I asked how long that process would take, but she said she couldn't give me a time estimate but it should be " in a few days. '' On XX/XX/XXXX, someone finally responded to my last online message asking for an update and said that I would need to visit a local branch for more assistance to receive the bonus. I then sent this final response : " This was an online promotion and visiting a physical branch was not a condition to receive the promotion bonus. There is not a branch in my area of the state. I've already been told I met the requirements to receive the bonus, yet it's been over a month since I should have received it. I'll be filing a complaint with the CFPB. Thanks for your assistance. ''
I have called and tried to contact the hospital and debt collector to get a mailed bill or an account number with balance from them and no one I have talked to at hospital or debt office can find the information or says I do not have an open account or balance due.
On XX/XX/2018 I sent a dispute to XXXX concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect.

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly.

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called XXXX as I had not been informed of any result of my dispute. XXXX attempted numerous times to get me to say my name was different. XXXX then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked XXXX if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. XXXX informed me, " Consumer Reporting Agency. '' This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered XXXX give the debt collection company any new information concerning me.
1. A Hard Inquiry occurred on my credit report without my permission.

2. I did not authorize anyone employed by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) to make any inquiry to view my Experian credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

3. In a letter dated XX/XX/XXXX, I requested documentation bearing my signature, authorizing the inquiry. This letter is attached. 

4. I mailed the letter Certified Mail to the address for XXXX XXXX  listed on my credit report. It was returned undeliverable as addressed. It is attached. 

5. Thus, XXXX XXXX is reporting inaccurate data because they are reporting a false address on my Experian credit report. 

6. The inquiry being reported by XXXX XXXX  should be removed immediately.

7. I am also attaching the inquiry pages of my Experian credit profiles dated XX/XX/XXXX and XX/XX/XXXX.
My student loan entered into a retro-active general forebearance effective  XX/XX/XXXX  through  XX/XX/XXXX . My credit report is reflecting a 90 day late payment as of   XXXX   XXXX   because the forebearance was approved in  XXXX . I spoke with an agent @   XXXX   CST on  XX/XX/XXXX  and she was able to confirm the approved forebearance ; however, she stated they letter sent indicates any negative reporting will remain on an individuals credit file even though no payment was due during the timeframe in which they are stating the payment was late. The documentation I received does not reflect corrections would not be made. The agent I spoke with refused to provide me with any information to attempt to resolve and discuss this issue further. She could only provide a mailing address.
i had the same issue with this company before the issue was never solved. i agee to a loan modification they signed the agreement i signed the agreement. the agreement now they are going back on agreement no taxes or insurance is supposed to come out of the payment they say my county says we were behind my county says they are lying
In XXXX 2016 and again in XXXX 2016, someone stole my XXXX XXXX credit card number and charged in excess of {$2000.00} in clothing. I reported XXXX of these cases of identity theft to XXXX XXXX, my local police department, each credit bureau and the FTC. XXXX XXXX claims they are investigating the identity theft. In spite of this investigation, XXXX XXXX continues to have their collection department call me and now they have placed a negative " 30 day late payment '' on my credit bureau accounts. I have REPEATEDLY called XXXX XXXX to try and get this resolved to no avail. Please assist me.
Property : XXXX XXXX XXXX  XXXX XXXX, CA Buyers : XXXX XXXX, XXXX XXXX and XXXX XXXX Single family home ( rental ) Sold and held in aXX/XX/1031 exchange for next property Lender : Wells Fargo Mortgage, XXXX, CA failed to close on time ( 30 days ) because they kept losing our documents ( 3-4 times ) even though the documents were either hand carried in to their office or put in Wells Fargo overnight bag. I have over 200 pages of docs and email stating we must close or face a $ XXXX  IRS bill. Our loan was elevated up to the branch manager who did nothing. Then it was elevated up again to the area manager. He could do anything except apologize for the lost documents. This was approximately a 10 % loan 1-4 units. We were putting $ XXXX + down payment. We were within days or either closing with all cash or pay the IRS. We closed with cash. Even after I email them and said we are closing all cash, no denial of the loan was recorded for any reason, nor was any form sent out to us. I requested all our documents back to re submit to a new lender. The underwriter sent about 10 documents. I emailed back and said Im filing action with the government for your actions. She then sent about 90 %. 

I have all emails ( maybe 50 ) from all the Wells Fargo employees for our review. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX
My sole source of income is Social Security XXXX. I have a checking account and a savings account which had approximately {$800.00} in it. Lloyd & McDaniel, LLC of XXXX, KY garnished my savings account, taking more than half of it to collect on a debt that they 'd already attached to my condominium as a lien. 
My fear is that they will try and attach garnishment to my XXXX income even though I believe they are not allowed to by law. I need to make sure they ca n't take anymore of my income from me. I told them when they contacted me that I could not make payments on the debt at this time and that I planned to sell my property this year, thus allowing them to collect what I owed. But this was n't satisfactory for them. 
I have read numerous other complaints about this debt collectors practices. I live on a limited budget and while I realize I owe a debt I ca n't have what little money I have just grabbed from my bank account. This hurt me very badly financially and I do n't believe it should be a lawful practice. Also my own bank attached a high fee to the garnishment transaction adding even more distress to the situation. 
I contacted Lloyd & McDaniel several years ago about this debt and they were nasty and rude to me and gave me no credence as far my explanation for my financial situation. They act as sharks toward people without ability to pay them.
I have been banking with Citibank for 4 years, 2 weeks ago I opened a savings account, funded it with {$3000.00} only to be told a week later that they were closing it due to XXXX. No one will give me any information, I have never banked with another company. They is on the verge of destroying my credit. My rent, car note, car insurance, loans and credit card payments all come out of that account. No one will give me a bank account. And I have done nothing wrong.
I sent numerous letters to Experian, XXXX, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}. 
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake. 
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.
This began about 5 years ago. We applied for and received a loan modification, because of financial hardship. It was about a 6 month process because of lack of communication on the part of TDBank. That following XXXX, TDBank tripled our mortgage payment without informing us in order to pay taxes TDBank had not paid. My husband and I had no idea until TDBank sent a payment back in XXXX of that same year. Since then, we have tried multiple times to get a loan modification again. We get so far with an agent, and the company switches us to another agent without our knowledge to begin the entire process again. TDBank has frequently lost our paperwork. We wait 20 minutes to speak with someone, then get the runaround without resolution. At one point, we were turned down, because they entered incorrect paystub information stating we made less money per week than we actually did. We eventually hired a lawyer who also struggled with TDBanks lack of transparency and customer service. We currently are working with a HUD advisor from XXXX XXXX XXXX ( XXXX XXXX ) who advised us to communicate with you. If necessary, I can go back through everything and try to find all of the emails and documents. There is a lot. We have a mortgage and a soft second mortgage through TD Bank.
About a month back, I called customer service at Citizens Bank and asked for help with getting into my credit card account. It turned out that they would need to send me a replacement PIN for the account. I was told 7 to 10 bussiness days. That date has come and gone twice over. 
I have gone to the BBB and received little from customer service, in the direction of conflict resolution/customer service. 
My suggestion was : A rep from customer ser. of XXXX. Bank can send me a personal email and ask me what is needed. Soon after all would likely be on the up and up ... 
Yet they decided to respond by saying that they would send something to me " snail-mail '', which could very well be ~ & gt ; the " issue ''. 
At present, as of today, as far as the BBB is concerned - & gt ; XXXX. Bank has " addressed-the-issue '' ... Weak ... And that describes " customer-service '' at Citizens Bank ... 
Will you help le get this PIN? Once I do, I will be able to use this credit card, if needed ... 
Professionally, XXXX. XXXX XXXX XXXX XXXX
Ever since I have disputed the collection amount, my Credit Tradeline has multiple inquiries for the same collection account for the same amounts from the Collection Agency that I am disputing. The company is maliciously scarring my credit with these continuous multiple Tradeline reports. 

The collection agency is : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA The dates on my credit tradeline showing NEW COLLECTIONS are : XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) My score has dropped over 25 points with these multiple hits on my credit report and they should only show one time, not multiple times in a week or month.
XXXX XXXX XXXX : 1. Failed to process SCRA requests multiple times 2. Stopped sending statements to my address 3. Denied access to online accounts ( locked account ) 4. Charged off account
I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.
Fraud and misrepresentation on behalf of KeyBank ; KeyBank last year filed erroneously and egregiously against me a Notice of Election and Demand on XXXX/XXXX/XXXX. KeyBank on XXXX/XXXX/XXXX sent to me a letter of apology and admitting to its errors in refusing payments, charging of late fees, attorney 's fees, etc., etc. KeyBank accepted in a full and final payment made by me to KeyBank 's attorney of record of an agreed to sum on XXXX/XXXX/XXXX and which brought the loan current. 

Nevertheless that negligence on the part of KeyBank caused me XXXX, cost an inordinate amount of time to address, attorney 's fees, filing fees, derogatory reporting to credit agencies resulting in damage to my credit, etc., etc. This is now occurring again! KeyBank is threating a foreclosure action and acceleration of the loan. Further, there are now reflected substantial late fees and attorney 's fees which I have no intention of paying whatsoever. Again, KeyBank / a large bank is strong-arming a small borrower with a seasoned payment record for over 11 years! And notwithstanding that the negligent party is KeyBank! 

I am now beyond upset. I am not attempting to make further payments only to be refused and until such time that KeyBank straightens out their accounting of my account and provides me with statements that are 100 % accurate. I am also filing appropriate complaints with the appropriate agencies and discussing with my legal counsel formal actions against KeyBank.
THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX. THE CREDITOR WILL NOT UPDATE THE CREDIT REPORT TO REFLECT ACCOUNT TO BE INCLUDED IN A CHAPTER XXXX AND CONTINUES TO TRY AND COLLECT ON THE DEBT.
My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.
I recently disputed a collection account that was on my report from XXXX XXXX. It had dates and charges I didn't recognize. I sent them a certified letter on XX/XX/XXXX and they received XX/XX/XXXX. I requested for them to investigate the account they had on my report as I have never done business with them or any XXXX XXXX XXXX XXXX. I have never been to an integris XXXX XXXX XXXX nor do I even live or have ever lived in XXXX XXXX. I asked them to provide DOCUMENTATION that the account belonged to me with signatures and any identification that was taken so we could track down who was behind using my name or have a similar name to checking into this hospital. 2 days later is the response I got They sent me a letter that I received on XX/XX/XXXX stating They determined the balance on the account is accurate and my responsibility. No documentation or anything.
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Discover Bank ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Discover Bank is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Midland Credit Management has continued to call my office phone despite my repeated attempts to inform them that I am not who they are looking for and multiple requests to be removed from their system.