WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is regarding an excessive deposit hold time policy on a deposit with Huntington Bank. On XX/XX/XXXX I did a mobile deposit for a check from XXXX XXXX XXXX XXXX for {$8800.00} into my checking account. This is an in state check from a bank for under {$10000.00}. Now I have heard of a 1-3 day deposit hold in cases of personal checks, out of state checks etc. Huntington has incredibly put a hold on these funds until XX/XX/XXXX. So that is 10 calendar days and with the XXXX XXXX  holiday that would be a 6 business day hold. This is entirely unacceptable. I called and asked for a supervisor, they stated that it was " in process '' and the hold was put on due to an " unverifiable source ''. The source is a credit union. Furthermore I had {$11000.00} in my savings account and still this long of a hold. I called my local branch and spoke with the acting manager who was helpful, followed up but still could do nothing. Today, XX/XX/XXXX, I called XXXX XXXX XXXX, spoke with the bank manager and learned that their check for the {$8800.00} cleared last night XX/XX/XXXX. In this day and age of electronic ACH clearing and the digital treatment of checks that seems like an appropriate clearing time and a possible 1-2 day deposit hold time. Again, how can Huntington employ a practice of the excessive type of hold time described above? I was fortunate that I could move funds from my savings to pay the obligations I had sought the consolidation loan for in the time frame I had committed to. The funds were to pay down high interest credit cards. My loss is inconvenience and marginal savings account interest. But what if I could n't " float '' my own account for nearly 2 weeks while HNB " holds '' my funds? The damages could include : -Personal reputational risk ( a returned check to a 3rd parties ) -Additional interest accrued on accounts to be paid by the excessive hold time -Fees, possible NSF fees, return item fees from the very bank " holding the check '' or 3rd party fees for un honored items sent with the expectation of a 1-2 day " hold ' time -Damage to credit score/rating. This type of " deposit hold '' over reach is both inappropriate and unacceptable in this day and age of electronic banking. The practice needs to be investigated and changed. I will conclude that I have never had an issue with HNB and like their banking, as a loyal customer, who has multiple accounts this situation has damaged my perspective on their bank and service levels.
Referencing claim Number XXXX First of all, your facts are misleading and your letter that was sent to a Federal Agency is  considered defamation and slanderous ... Furthermore, we have recorded calls that we have in safekeeping that specifically stated at least 6 times that MS. XXXX in your XXXX call center stated emphatically on my recorded lines that she accepts full responsibility for the XXXX.. In addition, these calls had XXXX on the phone with their representative of XXXX and Mr. XXXX XXXX XXXX, XXXX was also on the phone. 

This is a matter that you are creating by not paying what she stated and now you have basically called me a liar that is very very damaging. Do you want me to pursue not only legal damages but punitive damages? WE also have the right which we have reserved to bring this to the medias attention that I dont think you want to have a major media campaign on this. 

You have one month to respond and fix my credit and make payment good ... otherwise we will pursue this. 

This has been demonstrated to be a scam and a felony and as result of this the consumer is NOT RESPONSIBLE. In addition, I have recorded calls that how they got this bank information is an inside job. Is your money safe at PNC Bank? I dont think you want a media campaign to destroy your fine institution ...
I filed bankruptcy in XX/XX/2014. It was discharged in XX/XX/XXXX of that year. However, the Transunion report is showing XXXX accounts that have not been updated since I filed in XX/XX/2014. Those accounts refuse to update the information on the Transunion report to show that the account was discharged in Bankruptcy. XXXX wrote a response stating they did not have to correct it because their files indicate it is discharged despite the credit report showing otherwise. XXXX has updated all accounts to show they were discharged in bankruptcy. Also, these accounts on Transunion still list the highest balance, which is well above my credit limit, date of last payment, and also list them as derogatory while the other agency has updated correctly. It should be noted I had issues with XXXX updating either credit report. I asked them to do what the law states and they told me they do n't have to because I am not " understanding '' the law correctly. All I want is the information corrected to reflect what is accurate. As stated before, they have not updated since I filed for bankruptcy. Thank you.
I sent letters to the 3 credit bureaus ( Experian, XXXX, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account.

Letter 1, 2, 3 & 4 was certified mailed to Experian, XXXX & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, Experian : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18 & Experian : XX/XX/18 ( letters 3 ). 

XXXX : XX/XX/18, XXXX XX/XX/18, Experian XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, Experian, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. Experian also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : Experian : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
I was calling back, she answered, and she rudely hung up on me. I called again and she answered, we are talking normally. Nobody should not rudely hang up on someone who is debt. it is not cool.
I have had XXXX and was out of work for 6 month just recently lost my mother the only offered me a forbearance with Navient.
Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from Transunion. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. 



Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. 
These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and Equifax Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
XXXX won't let me gain access to my equifax report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

equifax doesn't have an easy way to review my credit report like XXXX and XXXX do.
Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
My wife is an authorized user on my XXXX XXXX  account and she is the person who pays the bill. She has a card with XXXX XXXX, in her name, pertaining to my account. On XX/XX/2018 my wife called in a payment to XXXX XXXX  to pay the bill in full. The automated voice stated that the balance on the account was {$500.00} and asked if she wanted to make the minimum payment or if she wanted to pay the bill for the full amount due of {$500.00}. She made the payment in full for the {$500.00}. Yesterday, XXXX XXXX  called our home to state that they wanted to speak with me. My wife put them on speaker phone and I gave them permission to speak with her but they stated that " Massachusetts law '' would not permit them to speak with her. I asked that they cite the law they were speaking of and they had no knowledge of the law - but doing what they were " told to do ''. Needless to say, they never had a problem taking a payment from my wife over the phone. They then went on to state that we were delinquent approximately {$20.00} due to interest ( {$10.00} ) and a late fee ( {$10.00} ). We inquired how there could possibly be interest charged to an account that now has a XXXX balance for the next billing cycle after the bill was paid in full. This was even confirmed with their automated pay department. We have had these issues in the past. Once before, the bill was paid in full by my wife over the phone. Two months later my wife and I went to XXXX XXXX and our card was declined because there was a {$2.00} " service charge '' balance that was not paid the month prior, although the bill WAS PAID IN FULL!!!!. If this is happening to us, this is certainly happening to other card holders!!! They are nickel and diming their customers on bogus fees and interest charges on ACCOUNTS THAT HAVE XXXX BALANCES!!!!! The person my wife and I spoke with was XXXX XXXX ID # XXXX, who identified herself as a manager, refused to speak with my wife even after I gave her permission to do so and asked me if I wanted to authorize a payment ON " HER '' BANK ACCOUNT - ON THEIR RECORDS, WHICH MY NAME IS NOT ON!!!!. IT IS HER PERSONAL BANK ACCOUNT!!
This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a XXXX card at one time many years ago. The XXXX company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called XXXX. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the Cambece " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. Since they have been playing games with the same court I work out of. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my XXXX XXXX in XXXX, MA.
I was recently noticed by Seterus, my mortgage servicer, that I owed late fees for late payments for XXXX 2015, XXXX 2015 and XXXX 2015. I have records from the USPS showing the tracking data including the date delivered and signed for by an official of Seterus. On one occasion, the XXXX 2015 delivery was delayed by the USPS for an unknown reason. The payment was mailed 3 days prior to the due date. The payment was mailed through USPS using a 2-day priority mail postage. It was delayed by 4 days with no explanation. I called Seterus and was told by their customer service department that the only way I could dispute a late fee was to write to them and mail it. I had previous taken care of similar issues over the phone but now they are telling me this can only be disputed by mail. 
The due date for my mortgage payment is the XXXX of the month. The 15 day grace period allows to the XXXX of the month. As per the attachments, the payments for XXXX and XXXX 2015 were received and signed for on the XXXX of the respective months. The XXXX payment was mailed on the same date as usual but it was delayed by the USPS which is shown in the tracking information. It was supposed to be a 2-day priority mail delivery with signature verification.
On XXXX XXXX, XXXX XXXX XXXX, XXXX placed a new collection debt on my credit report to all 3 credit bureaus ' without properly notifying me. The amount of the debt is showing {$3700.00} and the original collector was XXXX XXXX. Since then, the debit has been updated on my report XX/XX/2018.
It shows that I had one late payment for XX/XX/2014 which I was never late. 
And I always have made a good payment with all the creditors so please review the information and remove the late payment from my credit report. 
Thanks
I just ordered a copy of my credit reports and this Aargon agency is on my XXXX XXXX, XXXX  and XXXX. I dont owe this company or any company theyre saying I owe. I never heard of this company until I googled this company and seen all the negative reviews.
i recently applied for a mortgage with key bank. i went thru the process sending all necessary supporting documents such as XXXX forms for XXXX years and recent paystubs. they contacted me and stated that they survey report came in lower than they expected so they were cancelling the loan,
I have been trying to work with SPS for over a year in trying to save my home from Foreclose. I continue to do everything that they ask of me, yet I am still getting the run-a-round. It took me from XX/XX/XXXX - XX/XX/XXXX, after sending the same documents over-and-over again, to finally get SPS to confirm they have a complete application and that they would need 30 days to review, that was back in XX/XX/XXXX! But now, SPS is claiming that they need more information, they claim that my son 's contributions have not been verified! How can this be? It 's been verified 2 prior times ... why does it need to be verified again. Also, my relationship manager, XXXX XXXX, who is suppose to be my single point of contact is NEVER available, and when I call I always get someone else! Today we spoke with XXXX XXXX at ext XXXX who was rude, unhelpful, condescending and combative. We asked that we speak with a manager or supervisor and she refused only to give us a separate number to call.
XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. 

He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. 

I 've faxed a cease and desist letter to stop all contact immediately.
I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, Experian then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX XXXX i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay, they tell me it 's paypal, paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information, then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options, however they refuse to do anything and the problem persists today.. Any other normal business would address this issue, however Ebay has a monopoly over this market, and forces everyone to use Paypal even if your using their gift cards?
The collections agency. Diversified consultants inc. will not remove an account off my credit, for equipment from XXXX XXXX XXXX reporting as not being turned in, on XXXX I sent the company a debt validation letter, on XXXX they responded saying item is accurate, at that time I called the company compliance Dept and spoke with XXXX @ XXXX XXXX I explained to her that I actually turned that equipment in on XXXX and I Emailed her the receipt to XXXXXXXXXXXX I called her back and she said they had got my Email and would take care of it, so I dispute this item with the credit bureaus as well along with a copy of the receipt, they responded back saying the collection agency DCI says it 's an accurate account and refuses to remove it
XXXX  is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item removed.