WillisBack/dataset-financial-user-claim huggingface dataset:
I was scammed by buying tickets from someone who knows how to work the XXXX system easily and my bank had 0 concern to correct this. This happened on XX/XX/18 at XXXX and I called the bank at XXXX to cancel the transaction- and they said there was nothing they could do. But to start from the beginning I transferred to a guy through XXXX. I use Wells Fargo, he uses XXXX XXXX XXXX. He gave me his name, email address and phone number ( which I have ). He said this was the service he was most comfortable with and we all could trust it since it was through the bank. Since I havent used it before and he gave me all the details and sounded like a decent gentleman, I wasnt that concerned with it. The transfer went through while I was on the phone with him. He said he was sending an email and then the call dropped and when I tried to call back I go no answer- so no tickets or anything. I was sure I could cancel thetransfet since it just went through but That wasnt the case. I called Wells Fargo and spoke to a number of ppl which led me to a lady named XXXX a supervisor over the fraud dept. went through all the infor for over an hour again and she said she had to look into it a little more and she would give me a call back that night. She never did, so the next day I called and went through the same process and this time they gave me XXXX XXXX, who was repeating the same thing over and over about why I shouldnt have done it- which I already knew. They had 0 concern for this guy that was scamming others nor do they keep track of when ppl call in regarding scammers. I found out this guy banks with XXXX  XXXX XXXX I filed a police report. And sounds like no one has any respect or concern for the issue. The way I was treated at Wells Fargo was shocking- I know this wasnt my smartest move but Ive banked with them for years and they dont hold any credibility over not warning us the charge will not be pending, and that have a system they are in network with that is perfect set up for scammers to defraud their clients and they have no regard for it they said I probably will not see that money again. Costumer service wasnt very good, it almost makes me want to change banks.
After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!
Experian is continuing to report incorrect personal information on my credit report that I have disputed numerous times. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX NJ XXXX
Ca n't stop calling about 8 times a day and after  XXXX    XXXX   XXXX   XXXX  .
XXXX should refund of {$370.00} due from an overpayment by me on their XXXX credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX  XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 - {$100.00} for promo using XXXX XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
Attempted to open a pre-approved account with XXXX, issued by XXXX XXXX XXXX, and was denied. Tried dealing with them by mail as they do not show a telephone number and was told SSAN mismatched, then that they do not show any record of the application. Suspect bait and switch or other tactics in order to pull a hard inquiry on my credit file.
I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue. 

My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.
Credit reporting agency in violation of FDCPA, FCRA, STATE AND FEDERAL laws.
I had an existing loan with Ally Bank with a remaining balance. I traded the vehicle in and financed the new vehicle through a different bank. The balance with Ally Bank was cleared when I completed my trade in on XXXX/XXXX/2016. 
Ally Bank then took an automatic payment on XXXX/XXXX/2016 from my checking account on file with them, even though the remaining balance on the loan was XXXX with XXXX scheduled payments, per their website. 
When I called them, they stated I should have called them to cancel auto pay for my loan with a XXXX balance remaining. There is no option to unenroll from autopay on their website.
My spouse who I am separated with was contacted by a company on XX/XX/2019 claiming to be a mediation company by the name of XXXX XXXX. They told me that a company that I had previously taking a loan out from called Money Lion was using them for mediation services, and that they were going to take me to court and sue me. They wanted me to verify the last four of my Social Security number which I refused, and also ask them for the companies address, which they refused to verify to me. They told me that that was for {$780.00} plus the legal fees would make the debt total {$1500.00} that I needed to pay To them. I told him no, and I hung up the phone. On XX/XX/2019, they contacted me again threatening to send a citation to my home for me to go to court and that my lawyer needed to contact them. Again, I asked him to give me their name and address, whichThe woman got irate with me over the phone and I hung up. Today on XX/XX/2019, they contacted my husband again and left him an automated voicemail saying that this was their final attempt to contact me. I called them back, and again they can not verify my address only my email address. This time, they told me that I need to set up an arrangement With them, and the name of their company was XXXX. This time instead of {$1500.00}, they said that I Needed to set up a payment arrangement with themFor {$780.00} plus a fee of {$250.00} and if I did not, they were going to send a citation to my home Within 48 hours.The number that they have repeatedly left on these voicemails to call has been XXXX XXXX
I went to school and took out a few loans to pay for the cost. I am now trying to work with the company to start repayment. they have given me a forbearance period. I have verified on several occacions what loans are owe and etc. This other company called account discovery systems llc keeps calling me with rude and unprofessional attitude. They tell me they will garnish my wages if I do not come up with a settle ment. I have documentation of what I owe. this company has XXXX complains on them. that 's a briefing and I will gladly give more if needed
I recently had a horrible experience with American Express. I went to the XXXX Rewards site to book a hotel. Off to the right was an offer to recieve XXXX off the stay if I apply for an American Express card. So I apply, it goes thru and I try to book my room. I find out I do not have the number for the card or any information to reserve the room. I call customer service, they ca n't help me. I go online to get the information from the account site and they can not help me. So where am I supposed to get this XXXX for applying for the card. I spent an hour on the phone with AMEX and XXXX Rewards. In the end I just cancelled the card. No one needs this false advertisement or hassle. I 'm to the point I will highly recommend our company stop using the corporate cards we have. Why advertise something you are not going to deliver on?
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX  Fl. I talked to XXXX  and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Before I file a lawsuit against XXXX my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. XXXX XXXX XXXX XXXX has been harassing me since late last year on my credit reports on XXXX & XXXX. ( 15 United States Code section 1692d ( 2 ) ). I have been in contact with them multiple times sent certified letters to them as well on XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference XXXX account from your credit file. '' But no action was taken my credit report from XXXX XXXX XXXX currently still shows XXXX XXXXAccount NumberXXXXAccount Type XXXX Installment XXXX Terms XXXX 1 Month XXXX ; Date OpenedXX/XX/XXXXAccount Status XXXX Closed XXXX Payment Status XXXX Paid XXXX Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. XXXX violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. XXXX violated XXXX XXXX XXXX ( XXXX XXXX by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. XXXX violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX and XXXX credit report.
I received an " Annual Escrow Account Disclosure Statement '' from Mr. Cooper Mortgage Company (  a brand name for Nationstar Mortgage LLC ) dated XXXX XXXX, XXXX. My escrow payment increased on the basis of that escrow analysis effective XXXX XXXX, XXXX, and I have made XXXX escrow payments for the revised amount so far this year ( XXXX XXXX and XXXX XXXX ). I subsequently received a new Annual Escrow Account Disclosure Statement from Mr. Cooper Mortgage Company dated XXXX XXXX, XXXX ( a mere three months since the last " annual '' escrow statement XXXX, increasing my escrow payment yet again, to be effective XX/XX/XXXX. I requested the company to respect the XXXX XXXX statement and they refused, saying the XXXX XXXX statement holds.
transunion does not give any information about collections in the free credit report, it is unclear if there are any or they are withdrawing information to be provided after a fee ( and maybe available publicly without an individual 's knowledge )
I own XXXX XXXX Bank of America XXXX and XXXX of them got charge with {$59.00} annual fee. Contacted the Bank to have the charge removed and to close the account. No sense on having XXXX accounts. The Bank gave me several excuses which did not make sense and finally escalated the case ( # XXXX, tel no. XXXX ). The escalation resulted in the Bank telling me that only Spirit can remove the charge. Contacted Spirit and I got redirected back to the Bank. Find attached e-mail from Spirit. I am between these XXXX institutions a no one wants to remove the charge. This is a charge for next year services and I do not want these services.
I filed a letter of concern to Wells Fargo Dealership Services about the conflicting information regarding my vehicle payment. My response was one of threatening rather than corrective action. In fact, it was as if I should be happy that I was not turned into the credit bureau. Now I have been told three different due dates by agents of Wells Fargo. The first was at signing and I confirmed payment would be due starting XXXX each month. However, later when receiving documents I saw due date XXXX of each month. Then when I visited the branch bank of Wells Fargo, the teller said that I could pay how much I wanted on the note ( more or less than stated fee ) and within 30 days. Lastly, when complaining further via the phone and letter, I was told the XXXX each month. My funds come in by the XXXX monthly and that is why I had requested the XXXX at signing. It is unfortunate that each time I speak to administrators with Wells Fargo there is always a threatening tone.
AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.
This dispute that I continuosly have with Equifax is their blatant refusal to remove items from my credit report that does n't belong to me and that I have sent in FTC Affidavits, Police Reports and other supporting documentation. They refuse to block the information based on identity theft and the fair credit reporting act that supports me. They continously dispute as an everyday dispute. Stating the same resolution as the information has been verified as to belong to you. Based on me reading the 605 b Identity theft rule credit reporting agencies have 4 business days to block said information. I want these items removed and blocked. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts were opened without my authorization and the should be removed. Also, I am also asking Equifax to remove these XXXX addresses that continues to pop up on my report that I have never lived. XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Reported : XX/XX/2016
Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore, we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX, 2016. I have called Discover at the number listed on the letter, XXXX and they said to get in touch with the Credit Bureau. They could n't give me any more information.
Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.
Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my Experian account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
i have a judgement on my credit report that i was unaware of from a credit card company ( XXXX ) in XXXX they tells me they could not find me so they went and put a judgement on me, how 's that posisible? also a foreclosure is showing on my report. all this somehow from the ( sale of my home in XXXX XXXX. ) the judgement in XX/XX/XXXX-the foreclosure in XXXX XXXX mind you i sold the house in XXXX XXXX and moved from XXXX to XXXX with fordwarding address with the post office. why could they have not been able to find me? ( XXXX ) now i have deregotory things on my public records section of my credit report that is inaccurate and is keeping me from buying another home, after lossing my employment in XXXX, after 3 years i had to sell my home. how do i clear this up?
I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also. 
Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt. 
I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them. 
I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them. 
My husband will be submitting a complaint also on his behalf.
I applied on the phone to upgrade my Chase card to the New Chase Platinum Reward card..I was assured that for XXXX dollars a year, I would receive many new befits including XXXX bonus points..I needed to spend XXXX dollars in the first 3 months..I spend XXXX, and still no points..So I call and they say I am not eligible ... that I was given misInformation from their employee ... .and I am ineligible for the bonus ... with no reason other than that I did not apply for the card..I have has this card for many months having applied on the phone and assured of the benefits before agreeing to a XXXX a year card over my free card.
I currently am in graduate school and unable to pay for my education because Naviant defaulted XXXX of my private loans from college. I have been consistentlay making monthly payments of {$500.00}, but my total debt has yet to go down. I feel so enslaved and trapped. My mother has been helping me with the payments but no matter how much I pay the interest keeps rising.
My previous Case number : XXXX was not resolved. We have appealed yet another Loan Modification denial because Wells Fargo continues to make errors on my loan modification request and does not thoroughly review all their mistakes after we have sent lengthy explanations and documents of all the inaccuracies. Wells Fargo consistently provides conflicting information in their reviews and when we point out their mistakes there is no acknowledgement of their errors, instead a generic denial letter is mailed. We have attached documents to support their errors and expect a full and thorough investigation.
XXXX XXXX sent a statement to Experian Credit that I had a contract for an account with them in XX/XX/XXXX. I have never made such an account. I wrote Experian to inform them of this, request investigation and removal. After 5 days Experian wrote back saying they performed the investigation and found it to be accurate and stated it would remain until XX/XX/XXXX. They did not send any of the documents to prove I made such an account so I could further investigate. It only takes all other seconds to establish a bad mark on a persons account but it takes minimum of three months to get false information removed.
Capital One Bank has no grace period for payments. I was charged a XXXX fee for being 6 days late simply because I thought I had made my payment and when I checked my balance realized I had not.