WillisBack/dataset-financial-user-claim huggingface dataset:
Last XX/XX/XXXX ( I think ) my I signed up for a Experian 30-day free trial and  about 2-3 weeks later canceled the same having arrived at the conclusion that I will not benefit from its continuation. 

Last month after receiving an email ( see attached ) from Experian informing me of " switching to a premium membership '' which I never did, my husband checked our bank statement and saw that Experian charged us {$19.00} last XX/XX/XXXX and again on  XX/XX/XXXX. 

As this membership had been canceled on the same month I signed in, we were naturally appalled that they would do this so he attempted to contact them by phone but in each instance heard a recorded message that it will take 2 hours ; 2 HOURS to be able to speak to a customer service rep. 

Suspecting that Experian did not want anyone to contact them he wrote a letter addressed to its president XXXX XXXX at their XXXX XXXX CA. address but the letter was subsequently returned with an RTS handwritten on the envelope. 

Clearly, Experian is attempting to avoid any contact with us to explain why they have charged us without our consent. 

Please help us. 
Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CT. XXXX
Synchrony Bank calls me at least 6 times a day, on average, attempting to collect on my past due credit card account. When I answer their calls, they disconnect without saying anything at all.
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately. 
This company has not sent any not even 1 piece of information to my address. I only noticed this account on my credit report when I pulled it. If they sent me something to indeed prove this then why did n't they include it with their response. This company is lying and in direct violation of my rights. I sent them a letter on XX/XX/XXXX. How then did they send me a letter in XX/XX/XXXX and XX/XX/XXXX yet they just reported this account in XX/XX/XXXX. It is obvious they are lying. I am requesting that this account be removed because they are in no way telling the truth. Had I received any documentation from them, I would have disputed prior to XX/XX/XXXX. I have a credit monitoring service that notified me on this day of this account being added ; hence, my reason for disputing with them in writing on XX/XX/XXXX.
I believe I am XXXX of the debtors that Navient has " systematically and illegally '' failed. 
I have been paying back my student loans since 2010, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
I 've reached to Experian in regards to name correction. I spoke with a rude rep on Friday XX/XX/XXXX2017 at XXXX she was very rude and refused to dispute the incorrect information on my report as I advised it needs to be updated for a job. She refused to do so. I asked to speak with a supervisor she placed me on an intensive hold. The information reported on my personal information is incorrect, I 've never went by the name of XXXX XXXX, XXXX XXXX nor XXXX XXXX. All of that information is incorrect and needs to be removed.
While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to XXXX, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.
I filed a Dispute with Synovus Support concerning three ( 3 ) fraudlent transactions. I had been asked for proof concerning one ( 1 ) of the transactions. ONLY one of the three ( 3 ) transactions. I then provided that requested proof. 


On the XXXX I called Synovous Support and learned that they had taken funds from my account claiming they denied one of the other two transactions because the original rep made a misatke and ALSO listed that item as though I had needed to send in proof for it even though the rep had NEVER asked me to! 

The disrespectul phone rep I first spoke to on the XXXX kept dodging and ignoring me EVERY time I stated this made NO SENSE and that it was an error. She kept simply repeating " You will need to submit the proof you were required to '' and " but it is unlikely the dispute will be reoppened anyway. ". 

That was INSANE! 

She kept ignoring me and repeating the above like a broken record until I asked for a Supervisor. 

She then simply hanged up on me! 

No repsect what-so-ever. 

It is not my fault that the original rep made a mistake, and I did not deserve this treatment from Synovus ; 's rude staff! 

It is clear they have no interest in even admiting their staff 's mistake, even less addressing and correcting it!
PNC Bank fails to give all correct information to customers. I have had numerous phone calls regarding overdraft fees where in each call they have all said different rules and regulations for their policies. The only policy that is consistent is they give one courtesy refund per year. What they don't tell you is that even if they are refunding a fee due to their mistake, it still counts as the 1 courtesy refund. To me, a courtesy refund is when a customer makes a mistake and the bank refunds the fee even if it was a correct charge. 

I have been charged 12 withdraw fees within a month. That totals to {$430.00} I am currently unable to work due to my XXXX. My husband has taken on all of our expenses. I realized two checks and a car payment were coming out that we did not have the funds for until next week, so I called PNC Customer Service. I explained the situation and the associate told me to OPT IN to Overdraft Coverage. So I did and thought what a great solution! WRONG! 
The next day my account was negative {$930.00} and not only that, but my bills were not paid. They charged me three {$36.00} fees for my car payment and every other charge they could manage to get on my account. 

So I called PNC Customer Service. 

After explaining the situation and what the associate had told me the day before, the associate I was currently talking to advised I do not use overdraft coverage because they charge {$36.00} for every single transaction and they do not guarantee expense coverage. Plus they charge a return fee and a reprocessing fee, both {$36.00} as well. I was in shock. Why would you offer a customer a solution without explaining all policy guidelines? Why would another employee advise against a solution the bank they work for is offering? 

Early in the year I had a {$100.00} refund that they called my courtesy refund, since PNC only gives back one a year, so they refused to give back any fees. They told me I could speak to a money manager to see if they could help me. When she transferred my call we went through the same thing, but then she also tried to tell me how to budget my expenses and how to plan better. I apologize, but sometimes life throws some unexpected turns and you can not plan for all of it. How dare you also assume that this problem is because of careless/unplanned spending. 
So I went to their bank location in XXXX XXXX, IL and spoke to a branch manager, he was unable to help me, but told me who could. So I went to the location in XXXX, IL and spoke to their branch manager, who was also unable to help me. He explained the fee process again and apologized for them sending me to him, but he could not help me. He said he wished there was something he could do, but unfortunately the people who take advantage of the system ruin it for everyone else. 
So I literally wasted my time and more money driving to these locations for everyone to say they can not help me. I refuse to believe there is nothing they can do. It is also ridiculous they are judging my situation based off other customers actions. I have been a loyal customer with my husband since 2015 and this is the first time we have ever had a problem like this.
I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on the law.
On XX/XX/2017, Midwest Recovery Systems, LLC put a debt on all 3 of my credit reports for {$820.00}. The original creditor was XXXX XXXX XXXX. I have never received a loan from this company or any documentation that Midwest Recovery Systems, LLC has the right to collect the debt. About 4 or 5 years ago, my cell phone was stolen and personal bank account information was compromised.
I have disputed this claim numerous times to the with XXXX and XXXX. I have received a letter from JVS Group  informing me that I need to quit disputing it because I owe the debt, but I have yet to receive anything to prove that it is my debt. It is supposedly a debt from my local hospital, but my local hospital has no record of this debt that is allegedly owed.
In XXXX XXXX, my Grandfather passed away. Leaving a mortgage held by Ocwen Loan Servicing. Family members were unaware of this mortgage. Last payment was made on this account in XXXX XXXX. When my mother became aware of the debt she contacted Ocwen, explained the situation, and over the course of the next few years she applied for a modification at least 4 times. Each time the application was denied for various technicalities. Also during this period, Ocwen refused to accept payments. My brother attempted the modification process with Ocwen as well, he too was denied. Finally, i began working with Ocwen around XXXX to try to resolve the matter. My credit score and resources are sufficient to go purchase a home on the open market, so I presumed that this should be satisfactory to Ocwen as I sought to assume responsibility for this mortgage on property that has been in my family for 4 generations now.
I was denied twice. Once for paperwork. A " family transfer '' document was required. Interestingly, in all of the previous processes that I and my family members went through, this document was never presented.
I was denied a second time, and the reason was not given. I simply " did not meet requirements '' I inquired about the possibility of a short sale, and Ocwen indicated that any short sale would need to equal no less than approx. 70K ... While the principal bal is only XXXX, and the total bal XXXX with all the taxes fees, foreclosure fees they have continued to add over the years.
amount {$1000.00} I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have the right to demand to see a signed contract between Midwest Recovery Systems and myself
I contacted the national credit system a debt collection company many times, by phone and by letters. with this i asked to validate my account, then submitted a settlement offer to the company. when i made a call to the company i was spoken to very abusively and disrespected horribly, i was just trying to make an reasonable offer and settle me debt. I want someone to be aware of this company 's unprofessionalism
Made XXXX/2017 payment via an ACH payment through my bank. Escrow had changed raising payment by {$100.00} causing payment to be short by that amount. Instead d advising me they posted the payment of {$1400.00} as a principle payment and posting nothing towards my XX/XX/XXXX payment. As a result they reports to the credit bureaus that I am 30+ days past due. My credit score droped 126 points due to this. I have never been late in the 10 year history of this mortgage. Worst yet, they never notified me of the problem. Please help
On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX   stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be  in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the Experian XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX  although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.
I transferred XXXX WorldPoints from my Bank of America VISA card ending in XXXX to my Fidelity XXXX card ending in XXXX on XXXX XXXX, 2016. This is during the transition from Fidelity XXXX ( managed by FIA card services ) to Fidelity VISA ( managed by XXXX card services ), and I think it might have messed up my points because I still have n't seen these points after myFidelity XXXX ( ending in XXXX ) was transitioned into Fidelity VISA ( ending in XXXX ) on XXXX XXXX, 2016. The advertisement on the website said the points should be immediately available after the transfer, and however many points left on the old Fidelity XXXX card would be automatically available on Fidelity VISA after XXXX XXXX, 2016. 

I contacted both Bank of America and Fidelity for this issue, and they basically blamed each other. Bank of America claimed the points were already transferred over, whereas Fidelity claimed they had no way to see those points.
this company is holding me personally responsible for a balance that was connected to a corporation as I was one of the XXXX for. under the fair credit act this should not be connected with my personal credit as it was the responsibility and used by several other employees at the company. have reached out to them to remove from credit and have received no response or removal off of credit report.
I 've been for the past few months in contact back and forth with XXXX, XXXX XXXX XXXX and Account Resolution Corp in reference to my medical bills and with all the disputes gotten no results.. I was told by XXXX XXXX XXXX and Account Resolution Corp that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX 2015 and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have XXXX  XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. XXXX XXXX XXXX and Account Resolution Corp. is telling me this is n't good enough and that i need them to write a letter.
On XXXX/XXXX/15 TCF Bank reordered my transactions and added an additional {$19.00} Check Printing fee to make my account overdrawn by - {$2.00}. On XXXX/XXXX/15 TCF Bank charge my account {$37.00} Returned item NSF fee. My deposits are not available for XXXX/XXXX/15 {$100.00} cash, XXXX/XXXX/15 ATM {$100.00} cash, XXXX/XXXX/15 ATM {$380.00} check. ( Please see attachment )
JPMOrganChase told us in XX/XX/XXXX we had an escrow shortage of {$360.00} and we could pay it off by XXXX/XXXX/16 to keep our mortgage payment the same. By the time XXXX XXXX came, we had changed our homeowners insurance policy to renters and it should have produced a lower mortgage payment. I called 1st thing in XX/XX/XXXX to find that it had n't. The chaos started on XXXX XXXX with the 1st person I spoke to ( for which I have names/dates/times ) saying she would put a hold on the XX/XX/XXXX payment so I would n't incur a late fee while she conducted an investigation including another escrow analysis. She also said that back in XX/XX/XXXX they paid homeowners insurance, then renters last month, so that they paid twice and that was the reason for the high payment/shortage. That turned out to be false. They were reimbursed for paying the homeowners insurance in XX/XX/XXXX. She also changed her mind in the same conversation stating we could pay the old amount in the meantime rather than the " hold ''. The new result sent to us a couple of days later showed an almost tripled escrow shortage and we have to pay that by XXXX/XXXX/16 to get a lower payment. This next pair of reps said this was because more time elapsed between the 1st escrow analysis and 2nd leaving the shortage unpaid. The last rep said I could pay the last mortgage payment amount for up to 2 months. I did and added {$150.00} toward the escrow shortage. Tuesday I received a call that she was mistaken and we were not permitted to make the lower payment, we had to make the higher one reflecting that we did n't pay towards the shortage and the money we paid towards the shortage was applied to the principal! I had to call yesterday to fix that and they said it was being fixed " as we speak ''. Each representative apologizing for the last 's " mistake '' and saying that they " should n't have said that, I do n't know why they did ''. Sounds to us that they are either highly under-trained or making it up as they go along! As of today, the now {$98.00} ( taken from the {$150.00} to make up the difference to pay the higher mortgage payment ) has NOT been applied to the escrow shortage. Please help CFPB, for whom do we turn to when a big corporate enterprise such as JPMOrganChase takes over our hard-earned cash like this? I 'm a low-paid teacher and my husband a blue-collar worker employed by a town municipality.
I have applied for a refinance of my current loan with Nationstar for my sole and primary residence, so that I could have a cash out to pay the second loan I have on the property, a HELOC that I want to pay off due to increasing high interests. In XXXX 2016 I started the process and is now SIX months of constant petition for more documentation and unjustifiable delays on their behalf. I have submitted every single document they have requested ( three times! ), they have done the appraisal ( twice! ), and always at the last minute there is some new item, some new regulation, some new thing that they get hang up on and stalls the process. Last time was an error in their system claiming I had been delayed on my payments- which I proved them wrong. This time they claim my Debt to Income ratio is to high because of some credit card debt I have. I told them that if I paid off this credit card debt, then it should not be a problem with that Ratio and the loan should go through, but apparently they want to close the file and do n't want to give me more explanations or a reasoning on how they are arriving to that ratio. This is after 6 months of trying to move this along. Meanwhile, the interest rate of my second loan keeps creeping up. Time is of the essence and they know it and they are wasting my time and efforts. Seems like a very arbitrary system is being laid over and an 'underwriter ' is always coming up with last minute requests.
I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.