WillisBack/dataset-financial-user-claim huggingface dataset:
Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away?
This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement
On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. 

Thank you, XXXX XXXX XXXX
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.
I 'm filing this complaint on behalf of a number of SunTrust XXXX XXXX debit and checking account holders. 

SunTrust is violating ethical standards, regulatory standards ( " bait and switch '' ), and their own terms and conditions. Here is why : For some time, SunTrust has been advertising, promoting, and issuing their XXXX debit card. That card, linked to a SunTrust checking account, carries a yearly fee of {$75.00} and gives its holder XXXX XXXX XXXX for every XXXX spent on debit ( pin-based ) and credit card transactions without any limits to the number of miles a cardholder can earn. I have been contacted by many friends and family members of mine who are card- and account holders with SunTrust who have reported the following to me:1. SunTrust seems to be in process of closing all those accounts whose members have earned a certain number of miles through legitimate debit and credit purchases. 
2. In XXXX instance, SunTrust even reached out to XXXX to intentionally reverse and take away from the card member any XXXX XXXX already earned. 
3. SunTrust is not renewing their XXXX XXXX anymore for many long-standing account holders just because they earned what SunTrust considered " too many miles ''. 

In the opinion of a lawyer whom I contacted regarding this matter, SunTrust is clearly engaging in a tactic known was " bait and switch. '' SunTrust lures new customers with their XXXX XXXX Debit card, charges them the yearly fee of {$75.00}, and then, once they become customers and earn a certain number of miles, SunTrust closes their accounts ( or does not renew them ) and in some cases even tries to reverse miles already earned. The lawyer further suggested filing a class action lawsuit on behalf of all cardholders. I 've so far refrained from going that route but I hope this complaint will cause SunTrust to act as follows:1. Stop closing legitimate accounts just because their holders earned above a certain number of miles to which, according to SunTrust 's own terms and conditions, they are entitled to. 
2. Renew accounts in good standing according to your terms and conditions as XXXX XXXX accounts and cards. 
3. Stop trying to reverse miles already earned. 

If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch. 
2. I 'll reach out to the Office of the Comptroller of the Currency, the XXXX and Georgia Attorney General, the XXXX, and other institutions to file additional, regulatory complaints. 
3. I 'll bring to the attention of the media the unethical behavior of SunTrust. 


Sincerely ;
I have never done business with PORTFOLIO RECOVERY # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
I had  XXXX  different lenders access my Experian credit report. There is incorrect informatio n (  year of birth, liens that do n't reflect that they are paid, only a few of my open accounts listed ). I pulled my report from experian.com on  XXXX / XXXX /  XXXX   and saw this for myself, so I contacted Experian. Wh en THEY p ull my report, they say that none of that incorrect information shows up on their end. They then sent me a copy of that report by mail, which also does n't show the information the lenders and I had accessed earlier. I corrected some information on this " current '' report, and was told to wait a few days and re-access it online. I pulled it again on  XXXX / XXXX /  XXXX   and all seemed to be fixed. However, another lender pulled my report around  XXXX / XXXX /  XXXX  , and they again saw the " incorrect report ''. I believe somehow that I have  XXXX  different credit reports, but no one at Experian can " see it '' to help me fix the information on the incorrect one.
I have been receiving repeated phone calls from this debt collector attempting to collect on a credit card debt from a company that I resolved the issue with over 10 years ago. I have advised them verbally on recording from them and myself and in writing ( delivered certified mail and signed for XX/XX/2018 at the front desk to cease and desist and to validate the debt. I have continued to receive phone calls.
I received a letter on XX/XX/XXXX from my lender that my XX/XX/XXXX mortgage payment that was due XXXX XXXX, XXXX had not been received. The letter was dated XX/XX/XXXX. I received the letter 16 days later in the regular mail. The letter was mailed during the heavy holiday mail season. The 16 days spanned 4 weekend days, 2 holidays ( XXXX and XXXX XXXXXXXX XXXX XXXX, both Mondays ), and 10 business days. I received no phone call to alert me of the missing payment. 

I immediately went on my computer and paid the total amount due. I originally made the XXXX payment on my mobile app. I had been having problems with app crashes during the month, but the payment did look successful. I never realized the money was never transferred from my other account. On XX/XX/XXXX my phone was inoperable. It was evaluated at the XXXX XXXX XXXX on XX/XX/XXXX. Apparently, there had been a known bug that caused apps with notifications to fail that eventually disabled the phone. I did not know that my payment on the app failed until I received the letter from my lender. 

I provided proof to the payment research center from XXXX that there was an app failure. I complained that I had never been given the opportunity to address the missing payment because the letter was sent in the holiday mail and took 16 days for me to receive it. There was no effort on the lender 's part to contact me in a timely manner. I had no opportunity to correct the problem in time before the lender reported me to the credit bureaus. I worked so hard for so many years to get exceptional credit. My credit dropped 99 points as a result of the late payment.

I have gone through 2 escalations with my lender without resolution. The tech section noted app activity during when the payment was made, but can not confirm my sign in. They also said there was a " auto stop call '' placed on XX/XX/XXXX but could not explain it because I had never been late and thus I would not have been called then. They had no explanation for the 16 days their letter took to reach me. No provisions were in place for holiday mail. 

I have never been late in the ten years I have the loan. I pay the same way every month with the lender 's mobile app in good faith. If the technology failed, there should be a better mechanism in place to protect consumers. I do not believe that I was treated fairly as a consumer to receive a letter 16 days later that has destroyed my credit and will impact my life for 7 years.
I was advised if I paid this debt this company IQ Data would remove it off of my credit file, that has not happened I have addressed it several times with the credit agencies and nothing transpired
In an effort to pay my loan off in  XXXX  years, my  XXXX  daughters agreed to have a total of {$910.00} drafted from each of their checking accounts per month. This was in addition to my payment of {$940.00}. This totaled a minimum payment of {$1800.00} per month. Moreover, I agreed to make my payment every  XXXX  weeks thus making an extra payment per year. The necessary draft amounts to pay the loan off in  XXXX  years was calculated by the  XXXX   XXXX  mortgage loan  officer  who is no longer employed with the  XXXX , AL branch. As previously stated, he explained and we agreed that my checking account would be debited every  XXXX  weeks to make an extra payments per year, thus shortening the term of the loan. This coupled with my daughters ' extra monthly payments would ensure a five-year payoff. The date of the refinanced loan was   XXXX   XXXX   XXXX  , for {$100000.00}. The specifics of the loan include : annual percentage rate is 3.625,  XXXX   XXXX ,  XX -year loan.     I learned that the error had been made when I received information from  WF  that my escrow payment was inadequate and would increase in  XXXX .     When speaking with the resolution specialist, she stated that when I called to give the checking accounts from which to debit the mortgage payment and extra principle, that I did not explain adequately and also that there were documents that should have been filed by the mortgage specialist in  XXXX . I did explain and I have never had an issue with self-expression. The resolution  specialist  stated when I called her concerning the incorrect application of my loan payment that it was too difficult to go back  XXXX  years, but they could probably go back  XXXX  year. My question to her was why could n't the same procedure be utilized for both years since a dreadful life-changing error had been made. I expressed to her that it was our goal to have the loan paid off by the time I was at the retirement age of  XXXX  in  XXXX . If we do not get my money correctly appropriated, first, I will have to work longer and secondly, my children 's selfless effort to help pay the loan off in  XXXX  years will be all for NOTHING.     PLEASE HELP turn this situation into it 's intended positive outcome. Please contact me to clear up any ambiguity.     Finally, I just want to stress that I do not want anything free or anything that I have not earned. I just want WF to do what is right and I want to be treated like a valuable customer, I have never been late in paying a mortgage payment in the  XXXX  plus years as a homeowner, I have an exceptional  credit score  of  XXXX .     When I called to get help with this problem, I was told that my account was paid up to the year  XXXX  because of how the payments were applied. My question which is yet to be answered is, why would anyone choose to pay forward rather than apply extra funds toward the principle of their loan. I am at a loss to understand why anyone would throw their hard earned wages away in that fashion.
New Jersey Higher Education Assistance Authority ( NJHESAA ) ran programs ( from XXXX and potentially much longer ) in which their representatives went to New Jersey high schools to " educate '' parents, teachers and students about how to pay for college education however the representatives unduly promoted NJHESAA loans, gave false or misleading information regarding federal loan options, and presented misleading information about the " benefits '' of NJHESAA loans. The NJHESAA representatives used their position as employees of a state agency to the deceive parents, students, and teacher into believing that the information presented was given without agenda or bias and was factually correct. In many cases parents, students and teachers were made to believe that NJHESAA loans had the same terms and conditions as federal loans when it fact the terms was drastically different. NJHESAA loans were presented as though they were the only viable option to pay for a college education and that federal loans would not be suitable to cover the cost of college education.
I have repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information on my credit report.
Today on XXXX/XXXX/XXXX I called Transunion, since there was a 35 point drop in my credit score. My Transunion report was missing tons of information. When I asked why my credit scorXXXX at Transunion had dropped 35 points, he said he had no idea as well. I think proceed to ask the representative what my credit score was. He said because XXXX XXXX was a third party site ... my credit score was a different with Transunion. I then procced to ask him if he could tell me what it was, he said that he could not give me the number over the phone, then put my on hold. Then came back from hold and told me if I wanted to pay {$9.00} he could give my credit score and that he would n't give me the number because my credit score apparently only belongs to Transunion and unless I pay the {$9.00}, I would not be able to get my score.
Equifax continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. Equifax is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
Navient keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score and has caused inaccurate recordings on my credit file. Reporting is an installment loan of XXXX last updated on XX/XX/XXXX, an installment loan of XXXX last updated on XX/XX/XXXX. Also Navient is reporting an credit card balance of XXXX last updated XX/XX/XXXX Navient is reporting inaccurate account types that complicates my credit file to myself and other creditors. I am in the middle of financing and their frequent updates are detrimental to this process. For one I was in forbearance and was still receiving mail to make payments. Navient was also reporting late payments during the times of my forbearance in XX/XX/XXXX. I want all loans older than 6 years off of my credit report, as that is more than the SOL for my state. I need this done immediately, as Navient is doing illegal collecting and reporting practices.
The report was opened XX/XX/XXXX they say i owe {$1100.00} i filed a dispute XX/XX/XXXX still no answer as of XX/XX/XXXX XX/XX/XXXX
I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken.
To whom may concern I am emailing you today because I received a check in the mail for {$10.00} in regards to the XXXX XXXX XXXX lawsuit that was settled. I am not happy with this settlement I have been put through XXXX these past 5 years trying to find a home because I was forced out of my home and was caused pain and suffering and also went through a financial disaster I have been struggling ever since because of XXXX XXXX XXXX. 

I'm also very mad because I just found out about this lawsuit with this check I received. I want to know why did it take so long for you guys to contact me that there was a lawsuit against XXXX XXXX XXXX XXXX. I Want more then {$10.00}. I want my life back. I want to file a lawsuit and get allot from these people who put me and family thru XXXX. I was harassed every day 20 times a day. I was told that if I did not pay I was going to jail they were going to have me arrested when I told them I couldn't pay and said I needed to move out in 10 days or I was going to have my possessions garnished. So we were rushed out and they continued charge me mortgage and fees after months of being kicked out. Please help me get my family 's life back. 

More then welcome to email me back or call me anytime. 
XXXX XXXX XXXX ( husband ) XXXX Thank you ' Sincerely, XXXX XXXX & XXXX XXXX
XXXX, and other employees from security finance.. would call my work on a daily bases ... to the point that it jeopardize my job ... because of all the calls that kept coming in ... I asked the finance empolyees ( more than XXXX ) .... Please do not call me at work ... and even when I asked them, not to call my work ... the kept calling. If that was n't enough ... XXXX would go to my home.. and harass my underage kids! Too many times this person called me at work and went to my home ... after I told them ..to please stop.. knowing that I was not home.. ( only my kids ) ..one day my friend was meowing my grass and .. told that person ... my finance situation ... and told that person if, I did not pay they were going to take 21 % of my paycheck until I paid off the loan! These company harassed my in more than one way! is there something I can do? need help please
I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.
On XXXX XXXX 2017 I paid off an old hospital bill with the agreement of it being reported as paid in full. Credit Collection Partners of XXXX  Illinois promised me it would show positive report beginning of the following month. They lied to me. In fact they only removed some of the accounts and reduced one significantly. There was a total of 4 medical bills and showed 3 moved and one reduced. I called them and emailed them and they said it would be fixed. It 's been almost another month and it still reports the same.
Use of a non-Suntrust ATM charges a fee to the withdrawing bank ... understandable. But now Suntrust is also charging the same fee on the backside ; what a gouge!
I am being repeatedly called in an autodialer system and harassed for a 8 yo fraudulent XXXX loan. 

The XXXX  lender was not legally permitted to operate financial lending services in my state of residence, therefore negating the loan. Additionally, the statute of limitations has passed on this debt in my state. The collection agency involved is practicing illegal collection tactics. 

They call me almost five times a day and do not identify their company or for what matter they are calling about. 

In my most recent call, I was told I was fraudulent in some manner. I told her she was contacting me unlawfully and hung up the phone.
Received letter at a family members address from XXXX district court about a court case started in XX/XX/XXXX. The letter was a change in attorney. The plaintiff is Pallisades Collections. The defendant is a business i dissolved inXX/XX/XXXX. I have not received any detail about the bill to verify it is still owed. It is XXXX. Anything beyond six years is uncollectable. The statute of limitations is 6 years.
NorAm Capital Holdings, Inc. 
collecting for XXXX. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XX/XX/XXXX due to expenses from the death of my husband and they are reporting it as opening in XX/XX/XXXX. They have re-aged the account to try to keep it active.