WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/ 2018 my account was presented with a charge for {$39.00} and the bank paid the amount out. This caused my account to overdraw. I had opted for a service when I opened this account that would prevent overdrafts by not paying if there was no money in the account. My local bank was taken over by a large bank and they said that they changed my preferences to allow overdrafts. The said that they mailed me a notice, but I never saw it. The bank then proceeded to charge consecutive overdraft charges every five days. They also said that they were allowed to do this now that they are a different bank then the one I signed up with. Once my account was overdrawn for over a month they forced closed my account charging another {$50.00} for a total of {$320.00} in bank fees, at the time my account was closed after the {$50.00} charge my negative balance was {$360.00}. The amount I am negative in the account is {$40.00} and the bank fee 's are {$320.00}. This is 800 % in fee 's in just over one month.
I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation.
Toyota Financial has been reporting me late on a disposition fee on a lease for over 2 years damaging my credit. When I went to get a home loan it was brought to my attention that I still owed them for a disposition fee. I was contacted by a collection agency at the time with no contact from Toyota. Called Toyota to settle this up and they told me they would not accept payment. So I payed the collection agency that then removed the debt from my bureau however Toyota did not. Called Toyota today and was told I had to pay it again, after being extorted using my pending home loan and closing date against me I agreed to pay it with my debt or credit card. They advised me they would not accept those payment methods and that there was no supervisor I could speak to that if I refused to give them acess to my bank account via routing number and account number then this would remain open and unresolved. I have had no communications from Toyota other than letter offering me another lease and other products. for 2 years I believed this was handled and it was not I am very disappointed in TFS and how disorganized their organization is. Please help me.
Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
My purchase of a XXXX machine and supplies in XXXX of XXXX, was billed as a rental by mistake. While waiting for the error to be corrected, I paid {$600.00} towards the bill as I knew I owed something, but I thought it was less than the amount I paid. I thought I would receive a refund. Even though the mistake was corrected to reflect a purchase, the company and the billing partners are still attempting to bill me for amounts I do not owe. In XXXX of XXXX, one of the billing partners refunded the {$600.00}. Then I paid {$69.00} for the XXXX machine and supplies. That should have ended the matter, but one of the billing partners sent the matter to collections. I do n't owe anything further.
XXXX is reporting on my credit that I owe them XXXX from back in XX/XX/XXXX but I did not open an account until XX/XX/XXXX, I feel that my identity was used without my knowledge because I do not have a balance with XXXX and still use them as my phone carrier today.
I am writing to request an inquiry into the mortgage servicing of Statebridge Company. My mortgage payment is due on the XXXX of every month. Statebridge prints my statement on the XXXX of every month and then at some point it is mailed to me. Last month, I received my statement in the mail on the XXXX and went to the post office the next morning to personally drop it off. Statebridge assessed me a late charge saying they didn't receive it until the XXXX. I also requested with my payment that Statebridge mail my future statements earlier. Statebridge did not mail my XXXX statement earlier as requested with my payment. Statebridge again dated it the XXXX and again mailed it some time after that. I did not receive my statement until Saturday, XX/XX/XXXX and the next earliest date I could mail my payment would have been Tuesday, XX/XX/XXXX due to the holiday. As such, I was forced to either pay my mortgage online, which incurs a fee charged by Statebridge, incur the cost of overnight delivery, or run the risk of a late fee since the post office can not deliver mail from Virginia to Colorado in a day. My inability to pay my mortgage without incurring a fee is due to Statebridge 's failure to adequately provide my statement in enough time to pay it without incurring additional unnecessary charges. I feel like Statebridge is scamming consumers with online payment fees or late fees because we have no other options when trying to make sure our payment is not late. The extraordinary costs involved with refinancing a mortgage due to a poor mortgage servicing company makes this a difficult situation and not an easy fix unless Statebridge corrects its practices. I called Statebridge on  Saturday, XX/XX/XXXX and left a message to resolve this matter, and to date, nobody has returned my call. I also followed up with another request via email. As of the time of submitting this complaint, Statebridge has not contacted me, nor resolved my concerns. Your help with this complaint is appreciated. Thank you.
In XX/XX/XXXX, I was contacted by XXXX saying my M & T mortgage was 3 months late and was up for foreclosure. I should have checked, I was actually only 2 months behind, almost. They instructed me to do a modification mortgage. They said, " Do not make your XX/XX/XXXX payment and the modification can start and lower your monthly payment drastically ''. I did as instructed like an XXXX. XXXX was to b my first payment. They set up a time and date for me to call in my payment. XX/XX/XXXX and XX/XX/XXXX was the same appointments. I was only allowed to talk to XXXX. No one else could take my payment. At the end of XX/XX/XXXX, they told me to wait on a letter and mail my payments with the slips to M & T. XX/XX/XXXX I finally get the letter. They said my payment would not be counted late since they did not have the paper work ready. But even though I mailed in my payments when they said for XX/XX/XXXX, XX/XX/XXXX and XXXX, they counted them late. I paid my payments to who they said and did what they said when they said and they reported me as 120 days late on my credit reports. Then, they tell me to give it time and my credit report would straighten itself out. No, it still has not. And my payment went down only XXXX bucks and they added XXXX grand to my mortgage. I have petitioned the credit bureaus twice about this unfair reporting and M & T 4 times and XXXX refuses to talk to me. I just want the six months of on time payments to show as on time.
they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more than the pay off. what can I do. thanks
I have a problem with American Express Prepaid cards. American Express owes me a refund of {$8000.00} and, while customer service has told me I 'd get a refund, so far I have n't seen one and it 's been over 3 weeks. 

I placed an order for the gift cards on XX/XX/2016 and paid for delivery within XXXX to 4 days. American Express called me on XX/XX/2016 to verify my address and left a message. They said they could n't process the order without the verification and asked me to call back. I called them back 7 minutes later. What they had failed to tell me is that they were closed and I could n't reach them until XXXX. I called American Express XXXX morning XX/XX/2016. I told them I needed the cards immediately and since I paid to have them delivered in that time frame they would have to process them with overnight delivery so I would receive them on XX/XX/2016. They gave me a number and told me to call them and they could handle it. I called this number and they said could not do that and I would get the gift cards on XXXX, at the earliest. They told me the cards were n't even printed and there was no possibility of getting them earlier. 

Since this was far too late for the holiday cards that these cards were meant for, I told them I 'd need to cancel the order. They told me I had to call back after 24 hours to cancel the cards because they could n't cancel it until the order went through. I called back at XXXX on XXXX and was told they could cancel the order and gave me a case ID of XXXX and that I would receive a refund within 15 days. I asked for a written confirmation and they said they could n't do that. And that I could call back if I had a problem. 

On XXXX, I had to purchase gift cards elsewhere so I could meet work obligations. Late on XXXX, the gift cards arrived, even though, according to American Express the order had not even been processed yet. I called on XXXX to tell them that the cards had arrived, I could not use them because of what American Express ' customer service had told me and to confirm the cancellation. They confirmed it, told me to keep the cards and said it could take up to 20 days for a refund. 

Throughout this process, the customer service was poor and I was never allowed to speak to anyone in the United States. They gave me no other options and said there was nothing they could do to help me. 

It has now been over 20 days and I called, waited for 25 minutes to talk to someone. " XXXX '', ID # XXXX, told me for some reason it did n't get processed and he would process it again and it would take 15 days. I asked to speak to someone to expedite it and he said I could wait for his supervisor but it would not change the outcome, that I had to wait another 15 days. 

American Express put a hold on my credit card on XX/XX/2016 so they have effectively had my money for 30 days and, according to them it will take another 15 days to get a refund. American Express ' track record is n't good in telling the truth so it 's debatable whether or not I 'll receive a refund this time. 

I would like American Express to refund the full amount immediately as originally promised on XX/XX/XXXX and XX/XX/2016
Im writing this letter in hope you could intervene and get Bank of America to properly review our loan for assistance options. The issue started at the beginning of XX/XX/XXXX, when our grandson was diagnosed with XXXX. My wife left her steady job and started her own business so she would have time to care for him. It hurt our finances but we made it work. 

Then in XX/XX/XXXX, my pay was reduced at work. Up until that point, I had a dependable salary, and we paid our mortgage on time. With this next blow, we did what we could to keep ourselves afloat. 

When I first contacted Bank of America, things seemed like they would be ok. But a repayment plan outside of our means to pay was not the life line we needed. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

We are starting to get back on our feet again. Im back to a normal schedule at work. My wife returned to her job. The last step is to get our mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Bank of America refuses to help.
my name is XXXX XXXX my husband and i seperated in 2011 we had a morgage loan thru greentree financial my morgage was current at the timemy husband lost his job and i was having trouble making my morgage so i called green tree to tell thenm what was going on they told me to get a written statement from my husband saying we were seperated and they may be abel to give me a modification on my loan so i could afford it my payment was XXXX a month i had to send them papers with my payments that i had which was utilities insurance ect i had XXXX children liivng with me this company led me to believe for at least 4 months they were going to help me with this modification well guess that was a lie i finally got a letter stating that they couldnt do the modification i made to little money mind you i had been paying for this home for at least 11yrs i was devestated they called me everyday at least 5 to ten times a day wanting me to send a payment than the one night i get a call from a rep of theres saying XXXX XXXX you did not get the modification and you have to come up with a payment i told him i would try to get a payment when i got paid he said cant you get it from a family member or friend your behind and i think at the time 3 paymentsi said yes sir he said i dont mean to be a XXXX but you cant live there for free by this time i was in tears as to how rude and non understanding he was i dsaid you all led me to believe you were helping me four 4 months now you tell me i have to get out in the middel of the winter with XXXX kids and know where to go he said you have to XX/XX/XXXX to get out which was not even a month or the police will bring papers to remove you i was devastated at the way this man spoke to me itold him i would try to get all the payments to them with income tax but he would not here of this he said send me at least a payment or you have to leave this is my story i ended up leaving and signing papers to them losing my home to them in leiu of deed they gave me and my husband so much time to get everything out of the house they brought dumpsters and trailers and took my husbands stuff out of the garage and the house which went to them because my husband could not get there because of the snow to retrive his things they kept what they wanted gave it to a relitor and and sold it. i think i was treated very unfairly and was thru out with my kids in the middel of winter, i was lied to by this company and i did everythin they saked me to do to try to save my home i thought this was what a loan modifaction was to help people to save there homes this is a very decieving company you may ask why im taking so long to see if anything can be done or if i have any legal grounds to stand on i will never be abel to get another home because if this they sold my home for near nothing to the relitor but could not help me pretty sad if i say so my self well thank you for reading my complaint sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX
So I filed a recent complaint against Transunion Credit Bureau for Inquires that do not belong on my credit report back on XX/XX/XXXX.

On XX/XX/XXXX- I get a response back from Transunion Credit Bureau stating " Please also be advised however that your TransUnion credit report does not reflect an inquiry from XXXX XXXX , XXXX , XXXX, and XXXX '' As a response to this, I find this response to be invalid or pure disrespectful as the company has sought to deceive me by lying to me. XXXX XXXX which is the same as XXXX XXXX XXXX does appear on my Credit Report under Hard Inquires and also they go on to say the Inquires " The inquiries listed on your credit report are a record of the companies that obtained your credit information. 

Funny thing being about this respose is they may be right about companies retaining credit information but had Transunion opened the attachment that was attached to the last complaint they would have saw that the letter addressed directly from the creditor that states that their company has never pulled my credit for any reason and had confirmed that at no time had my credit even been pulled by their company, they have also asked that Transunion make the necessary adjustments to my credit report. ( Attachment Added to Complaint ) Now Transunion claims this inquiry does not exist but it very well does exists and so does two other inquires on my Transunion Credit Report from apparently XXXX XXXX. I have never even applied for a credit card from this company nor have I ever completed an application. I feel that Transunion is improperly handeling my credit report.
From XX/XX/XXXX- XX/XX/XXXX, I fell on hard times and was unable to make on-time payments for my car loan. When I would get behind on a late payment, I would make the payment during the next billing cycle to clear up the past due balance. Instead of the creditor applying my payment to the past due balance, they would compile the two payments and carry over the new balance as being 60+ days late. Resulting in more negative reporting on my account.

Despite my efforts to rectify this situation, I was unable to completely catch up on payments for about a year. During this time, I was a XXXX XXXX and relocated to XXXX XXXX XXXX to complete my education upon being accepted into an XXXX in the second most expensive city in the US.

One year later, I was hired onto that XXXX  as a full-time employee and became current on the account as soon as my financial standing improved and have remained so for over a year now. I am attempting to improve my credit score, but am having difficulty due to the negative listing on my credit report.
An order was placed online by my stepmother for a gift from SWISS COLONY XXXX. I was the recipient of the order. The company then proceeded to submit a credit inquiry on my behalf and created and account for this order and will be billing it to me without my permission. The did NOT get authorization from me to obtain my credit, apply for credit etc. They do not even have my Social Security #. But when I called to inquire how this happened they told me that they can submit an inquiry on my credit without my ss # by using just my name and address. My name was n't even correct in their system. They said someone can put in a name and address and can apply for credit from them, and that if it goes through then there is nothing that they can do. I again repeated back to them, that if I just give them any name and address in their online ordering system, they can process credit under that person name? They confirmed. This does not seem legal. I did NOT give them permission. My stepmother is sending them a notorized letter stating that she is the one responsible for the order and I also have submitted a dispute on my credit. But I need to understand how this is legal. Can a company process credit to you without your SS # and permission? 
Please help/
Servicer ; seterus paid XXXX flood ins premiums causing a {$3000.00} negative escrow and by paying XXXX flood agencies they voided XXXX another. Then they refused to acknowledge the paid XXXX when XXXX was alread in place. They later added forced place coverage costing me another {$350.00}. And due to paying recent XXXX premium late they cost me an additional {$330.00}. On top of {$4800.00} to XXXX - that was canceled and flood was in place at time they paid XXXX. I am XXXX and no reasonable assistance has been given and it has taken a stressful tole
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX : Request for investigation to correct my Credit Report Penny Mac USA Loan # XXXX To whom it may concern : Two years ago I borrowed money from Penny Mac USA as a Co-Borrow. Last week I discovered that during the last 24 months, payments were not made timely and several payments had not been made at all. 

On XXXX XXXX, XXXX I was denied a home equity loan with XXXX XXXX. That was a Red Flag to me as I " have not '' been denied a loan in the last 25 years. 

As a XXXX I have spent my entire life protecting my credit. ( EXHIBIT A - See attached XXXX FICO score from XX/XX/XXXX at which time it was XXXX ) This has been hanging in my office for nearly XXXX years. 

I pulled my XXXX credit report. ( EXHIBIT B - See Attached ) Note that every debt without exception says NEVER LATE, with XXXX exception - Penny Mac USA. 

On Friday XXXX XXXX I immediately mailed a Cashier 's Check in the amount of {$7000.00} to bring this loan current. ( EXHIBIT C - see attached ) In the banking industry when a loan is delinquent or past due, " Best Practices '' would dictate notifying all " Co-borrowers '' if the situation was not immediately resolved by the primary borrower. 


According to the Bureau of Consumer Financial Protection, Regulation X, 7. Early Intervention with delinquent borrowers ( XXXX RESPA Servicing Final Rule. ) " Servicers must establish or make good faith efforts to establish live contact with borrowers by the 36th day of their delinquency and promptly inform such borrowers, where appropriate, that loss mitigation options may be available. '' Please note that this final rule does not say only contact with the primary borrower, it says " borrowers ''. Plural - BORROWERS The purpose of this letter is to inform you that I consider PennyMacUSA 's servicing ( handling ) of the above referenced loan has been GROSSLY NEGLIGENT PennyMacUSA " NEVER ONCE '' contacted me as the co-borrower regarding any late or delinquent payments. Not one phone call, Email or letter was ever sent to me, yet the delinquency was continuously unfairly reported to the credit agencies. 

I have made multiple ( seven phone calls ) to PennyMacUSA and they tell me they MAY have a policy ( protocol ) issue as it relates to contacting co-borrows but say they can do nothing to help me fix this situation. 

I am not sure what can be done at this point to my credit, but anything that I can do to assist you in helping me restore my credit would be greatly appreciated. 

Please feel free to call me on my Mobile ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX )
A Target rep changed my statement due date resulting in a late fee of {$25.00} plus interest. Target refuses to credit me for these overages and a rep tried to discourage me from reporting this matter.
I just have a simple complaint about the business overall. My credit card was issued through XXXX XXXX XXXX, and is managed by TD bank. It is no longer an active card, as XXXX has changed its banking since then, or some such thing. My complaint is -- I ca n't reach a person. Their round and round automation can make a person unpeel. I ca n't remember the dates in the past, but I have tried to call them twice about issues I had when trying to make a payment. On XXXX XXXX, 2017 I called to discuss my bill with someone. Nope. I am current on payments, but I wanted to discuss my next payment. Obviously the banks are on to the blanket advice from financial advisors to " talk to the company, they 'll deal with you '' It 's time for consumers to stop putting up with this.