WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged interest of {$22.00} on an item I did not have possession of. The purchase was made XX/XX/XXXX for a refrigerator in the amount of {$960.00}. It was supposed to be delivered on XX/XX/XXXX. I went to Home Depot and cancelled the order on XX/XX/XXXX. My statement shows I received a credit of {$950.00} ( don't know why {$10.00} difference, but that's not the problem ). It also shows an interest charge of {$22.00} on XX/XX/XXXX for the refrigerator I NEVER HAD POSSESSION of. This is continuing the rip off by Home Depot of what they describe as " practices complying with all applicable laws ''. No wonder they push for paperless statements. 
I recently filed complaint XXXX against Home Depot 's billing.
opened high yield savings account XX/XX/XXXX received XXXX for XX/XX/XXXX and XX/XX/XXXX nothing received since account was not kept up with until recently discovered upon discovering account we tried to find where it was and found that Metlife Bank had been acquired by GE Capitol Retail Bank and after that Synchrony Bank After contacting GE Capitol we understood that they received account number and name but no funds We contacted FDIC and was told that they do n't keep up with individual accounts only the institutions
I have filed multiple disputes with Transunion regarding fraud on my accounts. However, they continue to verify those accounts. The accounts include gap ( acct # XXXX ) XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ). Even with police reports, transunion refuses to remove these above mentioned accounts from my credit report. CFPB complaints have been filed against them independently. Transunion needs to follow laws regarding fraud voluntarily. I want these accounts blocked from my Transunion credit report.
My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/XXXX that I was given wrong information. I made 3 payment  arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and equifax as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.
On XX/XX/2018, I made a {$2300.00} payment on this HELOC account at the local branch, but Wells Fargo Mortgage did not credit the HELOC account for the payment made. And Wells Fargo continued to tell me the account is in default and reported me to the credit reporting agencies.
I financed a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX AZ off XXXX XXXX and XXXX. Within 3 days I had to run a red light to avoid an accident because I had no brakes. I put 3 service calls into the dealer and they did n't call me back. I took the vehicle to my own mechanic and they gave me documentation that they sold the car with a faulty Anti Lock Brake System and all 4 lines were not connected. This is part of their compliance inspection before selling a car. I went to the location and the GM wo n't reimburse me and told me to go XXXX myself by the name of XXXX. I am trying to resolve this amicably because this is negligence and a complete liability. If not I will file litigation if you ca n't help me. I want compensation for my fees paid to the mechanic which I have documents for and about the faulty brakes and I want my monthly payments lowered immediately. I will not stop until I get resolve I am an extremely relentless person
The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.
Multiple times now ( XXXX of which documented below ) I have been charged an overdraft item fee for an item that did not overdraw my account. After I contacted Suntrust Banks the first time I was told that I did not understand their policies and what had occurred. I was told that if the person helping me could simply show me what they saw that I would understand but since they couldnt they would refund me XXXX of the XXXX overdraft fees that had occurred ( the first of which was unwarranted and the subsequent ones were a byproduct of the {$36.00} fee I had been charged )
I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect over XXXX from me and the car was n't even that much to begin with.
I have kept contact with  Santander c onsumer Usa company since the very beginning  XXXX   XXXX  about my payments. I noticed that my payment where being applied incorrectly in  XXXX   XXXX  every payment that I made was getting applied only to interest. On  XXXX  the  XXXX  i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on  XXXX   XXXX   XXXX  I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until  XXXX   XXXX ,  XXXX  when i spoke t o rep (   XXXX   ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. (   XXXX   )   XXXX   XXXX ,  XXXX  because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers  XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since  XXXX / XXXX / XXXX  i have called several times  XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called.  XXXX / XXXX / XXXX  i called from coworkers phone and was able to get a Rep. from the presidential dept  XXXX   XXXX   XXXX  who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars  since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.
The following is a timeline of events and errors made on the part of NCC Business services ( debt collection ), XXXX, and XXXX ... 

*XX/XX/XXXX NCC Business Services notified us of their intent to collect on a XXXX credit card debt * We initially had no idea what they were referring to, we never received a billing statement from XXXX ( XXXX ) based on the fact we had moved our primary residence *XX/XX/XXXX, We requested from NCC Business Services to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XX/XX/XXXX * The statements they provided on XX/XX/XXXX did not contain information from the late debt, we immediately notified them of this error. 
* Despite the fact they were late proving debt, they continued to contact us by phone. 
* Finally on XX/XX/XXXX, NCC provided statements to prove debt and we were able to verify the charges were made by us * On XX/XX/XXXX, We sent an email to NCC ( please see the following ) XX/XX/XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our XXXX credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : *We never received a billing statement from XXXX, despite our notification to XXXX of our updated address ( please see attached document that indicates our updated billing and shipping address provided to XXXX at the original time of purchase ) *Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX We recognize that we have Not received a response from NCC in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX XX/XX/XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify XXXX at the point of sale on XX/XX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that XXXX XXXX failed to update ) Please help us!!!
From XX/XX/XXXX To XX/XX/XXXX I was XXXX in XXXX XXXX XXXX  California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my XXXX credit card. I did n't make my first purchase until XX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX.
They keep stating that the information is what they received. I contacted XXXX and Equifax mortgage and they were supposed to remove these inquiries from EQUIFAX which are not authorizzed. I wrote previously : : : : : : : There are XXXX hard inquiries from XXXX dated XX/XX/XXXX and XX/XX/XXXX and neither are mine as I do not have an account nor have I ever used or applied XXXX service. I have reported to XXXX and EQUIFAX and they removed XXXX previous hard inquiries but these XXXX remain on my credit file. Also there are XXXX from EQUIFAX MORTGAGE dated XX/XX/XXXX and XX/XX/XXXX and I reported to them and they still have not removed although via phone they acknowledged they were not mine. I never requested any mortgage from EQUIFAX Mortgage, they say it is XXXX but I do not have a relationship nor have I requested mortgage through XXXX. I have reported to XXXX and still nothing resolved.
XXXX has an account on my credit report. They have posted wrong information on my credit report in order to extend the time that the trade line stays on my credit report. The XXXX trade line needs to be removed from my credit report immediately.
I previously submitted a complaint ( XXXX ) on XX/XX/XXXX about an erroneous payment in the amount of {$450.00}  posted on XX/XX/XXXX. I originally called Chase Bank on XX/XX/XXXX to schedule a payment on XX/XX/XXXX. I am now submitting an additional complaint due to a second ( 2nd ) erroneous payment in the amount of {$450.00} posted on XX/XX/XXXX. I have attached both XXXX  XXXX XXXX messages indicating the payment attempts and the {$35.00} NSF fees. I now have been charged a total of {$70.00} in NSF fees for two ( 2 ) payments that I never authorized. 

I contacted Chase Bank today, XX/XX/XXXX to explain that I received a second ( 2nd ) notice from my bank about an attempt to withdraw funds. The Chase Bank rep explained he did not see a second attempt in their system. The Chase Bank rep then explained that it is standard for a second attempt for payment to be made and that it is automatic. I asked if this call was being recorded and he indicated that the call was infact being recorded. The Chase Bank rep explained that Chase Bank has an expectation for customers to have funds available when a payment is made. The rep explained I signed a disclosure agreement that a payment will be attempted twice. 

I explained to the Chase Bank rep that as a customer, I too, have an expectation for the payment to take place on the date that I requested. After the Chase Bank rep said he is aware of my original complaint and wanted to know why I was calling again today. I kindly explained to the rep that I had received a second ( 2nd ) notice from my bank of another NSF {$35.00} fee on XX/XX/XXXX. The Chase Bank rep stated that I should forward the  complaint to them so they could determine if a refund is required. 

I am now out of {$70.00} in NSF fees due to two ( 2 ) separate erroneous attempts to take a {$450.00} payment on my car ( XX/XX/XXXX and XX/XX/XXXX ). I have been disparaged twice now  from these Chase Bank reps as they explain to me company policy. I'm not sure what to do at this point. I haven't even received a response from the first error. 

Additionally, I requested to have all my financial information removed from their computer systems. I can't afford to have Chase Bank in possession of my banking information. It literally is not cost effective. 

I am literally out of ideas on how to deal with Chase Bank. I don't think they have a clear concept of First Call Resolution or Customer Centricity. I believe they desire to take care of their customers. I also believe they have many concerns internally that need immediate attention.
I 'm currently in a health situation that is being corrected. In the time frame, I 've been relatively consistent with my bills. I 've temporarily fallen behind on my payments to credit cards and student loans, however, I 've made minimum payments at the very least until this month. Today alone, I 've received 11 phone calls from Citicards.com By the way, they 've setup their website so that I 'm unable to check my balance or view my account online. I 'm forced to visit a branch to make payments.
How am I able to continue working unimpeded, in order to make payments, when I receive 2 calls per hour?
Equifax is reporting an open collection account/medical bill in the amount of {$57.00}. I disputed the account by asking for validation of the debt from the reporting agency. Instead, I received my dispute results claiming the debt was verified with no proof whatsoever. I then called the collection company to satisfy this debt. The collection agency could NOT find me in their system by name, address, or social. I then called and spoke with a supervisor at Equifax and she had no explanation as to why they falsely claimed to have verified this debt with a collection agency that has no record of me. They are purposely causing harm to my credit and credit score.
I was checking my credit report with XXXX, and I l seen an hard inquiry that was not done by me ... Rise is the name of the company, I have disputed this inquiry several times with this company and they still refused to take this inquiry off of my credit report. I have fax letters and also told them that I have identity theft on my report. They still have n't shown me proof of me signing anything in my own hand writing. I have applied for several jobs and was turn dwn because of this hard inquiry. All they say is that the hard inquiry is mines base on my name, and address ... I want this inquiry DELETED/REMOVED off my report ASAP. Thanks
I am XXXX XXXX woman who became very ill with a long term illness and had lost my husband. I had a XXXX XXXX. I have applied several times for a modification. The lender after many attempts finally acknowledged that I submitted a full package.. How ever the lender did not tell me about my denial until approximately two weeks later by their attorney. Please note that my initial mortgage was a pick a payment mortgage.

The lender says that they will not give me an modification because their desktop appraisal is too high. Prior to this they told me I was not getting a modification because I defaulted on a previous one. Ironically, they did not ask for an interior appraisal which would have resulted in a much less valuation.. I believe that no matter what I say or provide them they will not modify my loan. All I keep hearing is sell or refinance somewhere else. 
I believe that these actions are discriminatory because of my medical condition and race. I have seen others get streamline modifications without even applying for a modification.
After moving, we got behind on paying credit card. XX/XX/2016, contacted Capital One regarding past due debt XXXX ; we wanted to make payment. They transferred my call to a " lawyer '', who was far from professional. Name was XXXX XXXX XXXX. He stated that he would accept {$1900.00} settlement if I gave him our account information immediately. I told him that I would not be giving anyone access to my account. He said he could not help me without account info. On XX/XX/2016, we made an appointment with our attorney. He contacted Capital One & was also transferred to a " lawyer ''. The situation was explained to her & she stated that the first lawyer was incorrect in his information ... that they could not take any payment from us because we had moved to another state. She said she would have to send us information. Our attorney said to wait for information. We never got any information ... its now XX/XX/XXXX. We want to pay this credit card balance & have it reflect as paid on our credit report. At this point, we have no idea what to do to get a settlement in writing so we can take care of this situation.
Equifax continues to report a released and withdrawn tax lien even though I have disputed the incorrect information XXXX times and have provided Equifax with the XXXX documents that clearly state the lien has been released and withdrawn since XXXX. I am getting absolutely no where with Equifax. Equifax is the only credit bureau reporting this information. Equifax is doing harm to my credit and is causing me distress while I am attempting to apply for a home loan. I can not secure the most favorable rates and terms that I am entitled to. I 've also attempted resolution by speaking with an Equifax XXXX and the Supervisor. My attempts at resolving this myself have failed due to Equifax terrible customer service. I really need CFPB assistance and thank you in advance for your prompt attention to my case.
Afni XXXX is using a machine to make calls and showing on the caller ID as XXXX a different company. When I received a call this morning I was asked to hold for the next available operator, I waited to see to see who they were looking for as my former step-mother has been passing out my number to her creditors. The call disconnected without me being able to discuss the matter and ask them to remove me. I then called XXXX trying to clear this up and was told they had no account with my phone number and told me they had other complaints that Afni was engaging in this practice. I finally called Afni and they refused to admit to their conduct.
I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.
This complaint is regarding a Home Depot Card. The account was used in XX/XX/2018, and I was billed a balance of {$100.00}. The payment was due XX/XX/2018 and was paid in full on XX/XX/XXXX. I just received my new billing statement which closed on XX/XX/XXXX. The purchases total {$110.00} and there is an interest charge of {$2.00}. The card is managed by Citibank. I contacted customer service via an online chat and was told by " XXXX in Idaho '' that even if I pay my bill in full, that I will continue to see interest charges until I have made two consecutive payments of my balance in full. She states the interest is compounded daily. I pay my bill online and there is an option for payment that reads : " Amount to avoid interest on next statement '', and that is the amount I paid.