WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2017 I initiated a security freeze with Equifax as a result of their security breach. I never received the 10-digit PIN required to temporarily lift that freeze. The automated method to do that ( phone or website ) requires the PIN. The hours customer service is available ( M-F XXXX-XXXX CST ) are limited given these are normal working hours and I can not afford to wait on the phone for very long due to my job. 

This agency has violated my protection when I had no say in whether they obtained my financial information or not. Given the significant issues with how they handled this breach, I believe they should be forced to provide more consumer friendly availability to customer service to rectify issues related to their breach. 

I dont expect anything unfortunately given our current state of government under our so-called President, but would appreciate if something were done to hold Equifax accountable.
This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?
Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl
On XX/XX/18 My alleged past due amount was {$6500.00} on that date I made a payment of my entire annual bonus and then some for a total of {$700.00} bringing the balance down to {$5800.00}. This was reflected on their website. The very next day on XX/XX/18 ( Saturday ) I checked the site because everytime I make a substantial payment they jack up the balance, just as they did a month ago when I gave them most of my tax return. Surprise, Surprise,  they are up to their usual fraud. the balance " magically '' jumped back up {$220.00} in one day! Keep in mind this is on top of my usual $ XXXX/mo payment. I can not find anything on their site about fees or anything that would justify this. Given their long history of criminal abuse of lenders I am utterly disgusted. They have been robbing me of my life 's labor for years and it seems nothing is changing, no one is helping me! I will spend all my free waking time tomorrow on top of the 10 hour day I have to work getting shuffled around on their automated phone system, which has been so honest and helpful in the past ( extreme sarcasm ) PLEASE HELP ME FROM THESE CRIMINALS!!! I AM BEGGING YOU!
Experian refuses to reinvestigate anything for a second time. They do it once then block online access to dispute a second time, they do n't care if the information can not be validated or lowers your credit score. You get a pop up box saying they already investigated, even when it 's been 3 years already. They direct you to go to Experian.com/upload, then you upload documentation, and there is never a dispute that is opened up even after that, or any resolution or response. They keep false information on the credit report that is in violation of FDCPA ad CFPB. The consumer is stuck with the information like it or not and Experian makes money off of us selling our information and getting paid money from the creditors with the incorrect information.
I attempted to make a payment to my fixed rate mortgage loan in the amount of {$560.00} with the addition of the {$5.00} web fee on XXXX/XXXX/2015. When I went to make my normal payment via Seterus, Inc website it stated that I could not make a payment unless it was less than {$200.00} even though my normal payment is {$560.00}. I called Seterus Inc., on XXXX/XXXX/2015 about the above said matter, I spoke to representative XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX noted that I could not make a payment in the full monthly amount over the phone or on the website as I normally paid because my payment amount due was too low which does n't make sense. I could not get a satisfactory answer so I asked for a supervisor. I spoke to his supervisor XXXX XXXX on XXXX/XXXX/2015 and he said the same thing that I could not make a payment over the phone or online because their system would not accept the payment even though I am not considered late until XXXX/XXXX/2015. They are essentially refusing payment over the phone or through the website even though I would pay my normal monthly amount. Also, Seterus, Inc. made a mistake on my XXXX XXXX, 2015 statement which says I owe a payment of {$490.00} even though my normal mortgage payment is {$560.00}. On their website it says I owe {$560.00} for my normal payment but on my statement it says {$490.00} for my regular payment. Please see attached documents.
I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update
I paid more than {$810.00} for a XXXX '' XXXX XXXX XXXX listed for {$990.00} at XXXX store. The total to be paid was {$1000.00}. Why not lease it company did not send me a letter to pay the difference off and the television would have been bought free and clear as I thought I was doing. However, I received a letter which stated that I have an additional {$1400.00} to buy out the TV, which is a rip off. Mind you, the XXXX attendant that day said that you are buying a TV and paying bi-weekly installments. The advertising was misleading then, because the TV had a sticker price of {$990.00} and I am not going to overpay for a TV that gets devalued everyday with newer models coming out. I was under the impression that I was purchasing it with a bi-weekly payment to pay it off fast. There were no follow up letters to pay off the balance of {$270.00} and they intentionally sold the bill to a collection agency for over {$1700.00}, as if I have never paid one dime for the TV ( a depreciating asset ). You are the ones with bad business practices set out to rip off people under a disguise partnering with XXXX. I would like for you to correct my balance with the collection agency because I paid a substantial amount for fair price of the TV at that time. Thank you.
I have a financial problem so I ended my account closed to avoid overdraft fees I know Im responsible to bring my account current but I dont get paid for 2 weeks so I asked to close my account and I will pay the XXXX  dollars I owed as soon as I got paid because I couldnt cancel my automatic payments until I put a new checking account they refused to close it and are charging me XXXX daily for overdraft fees that same company keeps trying to charge I tried speaking to costumer service they dont care to help me
CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XXXX XXXX!
Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers
I am writing to inquire assistance, if possible, on recovering some funds that were charged to us by BMO HARRIS, XXXX WI. I am writing per the Consumer Financial Protection Act that was created in part to protect consumers from Unfair, Deceptive or Abusive Practices. 

Several years ago I opened for my young son a savings account for which I was the custodian. My son turned XXXX on XXXX XXXX 2015. BMO Harris did provide quarterly electronic bank statements. I admit that I did not look at them too closely, as for the past few years, there was not much activity on the account. As I went to close the account last week, to my surprise, the bank gave me the balance minus {$40.00}. They explained that the {$40.00} charge was related to 8 monthly maintenance fees worth {$5.00} each, that started when my son turned XXXX in XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I explained that I never received any letter or warning about the change and they responded that it was their usual practice. 

I am aware that their website provide explanations of the rule. Indeed, much information is laid out on their site for customers to search and read. However, I know that it is customary for financial institutions to send notifications when a change occurs on an account. I had a bank account with XXXX XXXX who sent me a notice about starting charging fees due to inactivity on the account. I went to XXXX XXXX and closed the account. The same situation occurred with my wife and XXXX XXXX. 

I am inquiring for assistance as I do n't believe that their practice is fair and conducive to a clear and transparent business relationship between the bank and the customer. This is an omission on their part that gave me no choice and that is totally one sided. This is an omission that benefits them only and leaves me with no option than bearing the cost. If I had not decided to close the account, they would have emptied the account of the funds and then they would have sent me a notification for non-payment of additional maintenance fees. There is something wrong with this practice. Therefore, on one end, they send no notice or warning before any change on the account and before charging any fees ; and on the other end, they would readily send me a notice demanding that I pay fees after having emptied the account.
I opened a capital one credit account a while back and never used the account. 

I found out a few months ago that I had a balance on the account. There had been charges that were clearly fraudulent, as well as late charges because I had n't paid the balance since I was unaware of the charges. 

I called In XXXX 2015 to report the fraud ; they told me the charges would be taken care of. The case number was XXXXI found out this month that the charges were not taken care of and apparently they 've sent the account to collections. I called today and they 've promised again that the charges will be reversed, but I 'm not confident that will happen. My case # today is XXXX.
I made a {$600.00} money transfer to the XXXX thru Western Union at XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ. I was guaranteed by the staff who assisted me, named XXXX that my recipient will get the money transfer in US dollars. XXXX showed me the receipt in US Dollars, but on the bottom of it is a Peso conversion, but then she guaranteed again that they 'll get it in XXXX dollars. I trusted what she said knowing little on how to read a transfer receipt. The next day my father withdraw the money transfer from a WU in the XXXX and they said that the transaction was made in PESO not US dollars. This means that my father will receive the money based on WU exchange rate which is way cheaper than getting the Dollar and have it exchange in the bank. This incident is the XXXX time that happened. After the first incident i would normally double check my transaction with the WU staff, to make sure that the transaction is made in XXXX dollars, and i did n't have a problem, Until my recent transaction with WU last XXXX XXXX, 2015.
I have been trying to restructure my mortgage for years. Wells Fargo finally approved me with an offer of {$960.00} per month. I accepted their XXXX offer in XXXX 2015. They took their sweet time in sending documents to be signed for the loan modification. In doing so They added another payment to the over due balance. That in turn has jacked up my monthly payment to {$970.00} The greedy XXXX at Wells Fargo are trying to squeeze every dime they can from me.
As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.
I deposited my payroll check into my Wells Fargo account on XXXX XXXX in an automated teller that I usually use. On Thursday XXXX when I went to use my debit it was declined. In calling the XXXX number Wells Fargo told us it was returned for insufficient funds. So I contacted my employer who went to the company bank ( XXXX ) and they said it was not returned for insufficient funds and gave her a copy of the processed check. I took my deposit slip, the information from XXXX and went to my local Wells Fargo. The manager was not in so I spoke with the lady in charge. She looked at the records and said " No it was n't returned for insufficient funds but Wells Fargo has put a hold on the money. '' But she could not tell me why. It is {$2500.00} my usual amount and we do n't owe Wells Fargo anything. No one at the bank can give us a reason or by what right they have to hold the money. It is a 7 day hold " while they investigate '' again no one can tell us WHAT they might be investigating???? And neither could the lady. We are awaiting her checking into a resolution but she warned we likely would have to wait the 7 days because " no one can over ride a hold ''. How are the allowed to treat people like this? We are ordinary people we pay our bills on time and we have no affiliations in or out of the US that should create any flags. As a result we have bills that can not be paid, groceries that can not be bought and tithe that can not be paid. My husband is retired so this is our primary income. 
It is important that others know the shady doings that are happening to Wells Fargo customers. This same thing happened last year to one of my husband 's friends who baneed with Wells Fargo and we thought he must have owed them or something. So it is NOT an accident and it should be investigated. If it has happened twice in our small circle of friends how many more people can it happen to?? 
I do have the deposit slip, the check print out from XXXX but do not want to send personal information electronically.
Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.
I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; On XX/XX/2018.

While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
I owe a bill of {$440.00}, they 're wanting a total of {$660.00}. They 're tacking a extra {$200.00} on the total. I can pay the {$440.00}
Cash america employees at this location in XXXX Indiana have knowingly and purposely altered account records so that I would lose my personal property and investments into other property. The company has allowed its representatives to create multiple accounts that have been misleading and confusing to keep up with payments. Coming into the location in person with my ID has been a constant struggle as several employees have purposely lied to me or missed providing me with loans and layaway payment amounts and due dates. This has been maliciously and continuously done for a substantial amount of time. I have lost hundreds of dollars of property due to errors made by associates at this location. The company has taken retaliation against me for bringing complaints to the store in which the district manager has refused and failed to resolve. Recently the store has damaged a tv i bought from a layaway. Due to such a hostile environment I have had a family member in Indiana to come into the store to make my payments on my behalf and after one payment was made I have now been informed the store is demanding that thousands of dollars of merchandise be taken out without any further extensions given. This was told to me to be approved by the corporate offices of cash america. I have filed a small claims which will be moved to a district court being that there is a pending class action lawsuit against this company for the same type of negligent and illegal loan practices by this company to a multitude of other clients. There is a company representative at this hammond location that has on every occasion I have made against the company tried to move me out of the store by either lying about prices of merchandise and providing false information to talk me out of sales. I have tried to resolve such said matters with the company for a substantial amount of time and the company has refused. As a XXXX individual the company has allowed and encouraged its employees to take advantage of me which has cost me thousands of dollars in property value loss.
My lease with XXXX XXXX XXXX XXXX was up on XX/XX/XXXX. The current company that has taken over the complex stated in the debt collection summary that they are charging me for insufficient notice in the amount of {$1800.00}, I gave notice three months ahead of time stating that I was not renewing my lease, it was given to the previous residential property in which I have proof of. Also I am being charged for the month of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) water sewer ( {$55.00} ), month to month ( {$70.00} ), residential rent ( {$320.00} ), two trash charges ( {$7.00}, {$8.00} ), exterminating on XX/XX/XXXX ( {$5.00} ) and XX/XX/XXXX ( {$6.00} ) and another charge for water sewer ( {$68.00} ). I have proof I left on XX/XX/XXXX to stay at a hotel, I also have a letter notarized by my best friend mother who I stayed with until I moved into my current townhome on XX/XX/XXXX.
Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.
I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee. 

I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well.