WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to use this card at XXXX on XXXX/XXXX/XXXX. The card was declined at the register, but when I checked the balance, it said that the funds were taken by XXXX. I contacted XXXX that day, and the accounting office said they had no record of the transaction, and that any funds should have been sent back to the card. The next day, I called the prepaid card company ( XXXX/XXXX/XXXX ), and I was explicitly told I would see a refund in 10 days. In fact, the woman on the phone said, " I see that the funds were sent back to card 11 minutes after the charge was made to the card ''. 

However, it has been well over 10 days and the funds have not returned. I have called into the prepaid card company, and told I need to dispute the charge. XXXX has also advised me to do the same since they say they do not have the funds. I do n't understand why the company lied to me and told me the funds would be refunded, but I have submitted the dispute now. Unfortunately, the card company says it will take up to 90 days to resolve the dispute!
Regarding my last complaint # XXXX against EQUIFAX .The company continues to report inaccurate information in my credit report that does not finally DELETE XXXX from my EQUIFAX credit report. They removed that account from my report but put it back again ( see attached copy from XXXX XXXX site ) Clearly it is seen that they are not seriously checking the information to finally delete the XXXX account from my credit report.
I have a hard inquiry on my credit report that I did not initiate or contact the company about and need to it removed
I initiated a balance transfer on XX/XX/XXXX transferring {$440.00} from my XXXX XXXX credit card to Chase credit card. Only XX/XX/XXXX the balance transfer was completed by Chase and the {$440.00} was added to that account. Today XX/XX/XXXX I still see the balance on my XXXX XXXX statement as well, I called customer service and they claim they don't see any transfer to Chase and they can't adjust my account until they receive payment from Chase. As of right now the {$440.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest.
I divorced on XXXX XXXX XXXX. The divorce court order states I am no longer liable for the mortgage account as of XXXX XXXX XXXX. The XXXX has defaulted on the loan as of XXXX. Bank XXXX XXXX removed the negative report in XXXX after receiving the XXXX documents. XXXX XXXX put the defaulted mortgage balance back on my reports. They to have received the XXXX order stating I am not liable for the mortgage and refuse to remove the negative report. 
I am not liable for the mortgage per the court order thus my credit report should not reflect any record after XXXX XXXX XXXX. Please help clarify this issue respectfully, XXXX XXXX XXXX
I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked Equifax to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
Sallie Mae, now XXXX, has irreparably damaged my credit and finances. After graduating from college and not being able to find a job for close to a year, they refused to work with me to refinance my loans, despite my various attempts to work out a payment plan with them. Once employed, I resumed my payments, but they were too high as I am only XXXX and an entry level employee. Again I contacted them only to be given the runaround, and when I finally spoke to someone of stature, they told me that the only way to refinance my loans was to default on them, which I did. Once I defaulted, I made another call to Sallie Mae and was able to get my payments down to {$560.00}. Fine. But upon recent inspection on my part, I found out that they 've been taking more than the agreed upon amount totaling to {$640.00}. I 'm now unemployed again, due to health reasons, and am virtually stuck. I have no other money in the bank and am pursuing options in which to sue for at the very least, breach of contract. Additionally, when I first restructured my loans, they proceeded to ding my credit score so that it 's decimated beyond repair because the payments that I was making were " late. '' There 's no way they could have been late because they were scheduled to be taken out of my account on the XXXX of each month as previously agreed upon. If their system is messed up, then why am I being punished for it? They 've also harassed my relatives, none of whose information I gave out when applying my loans, so they must have been mining data to figure out who to call. Every time that I 've tried to call them and straighten this out, I get the runaround and them telling me that my only option is to defer my payments, but to do so I have to pay an additional {$150.00}. What?!? The people they 've hired to run their " business '' are completely unprofessional, incompetent, and inept ; this organization should be run out of business for the plain thievery that they are allowed to inflict on American citizens.
My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. 

On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.
MiraMed Revenue Group has called me over and over again for the last 60 days - but I paid the bill directly to XXXX ( the original company who invoiced me ) on XXXX/XXXX/2016 and have confirmed that directly with them. 

MiraMed called on XXXX/XXXX/2016. I returned the call on XXXX/XXXX/2016 at XXXX and informed them that the bill had been paid and that they were pursuing the debt collection erroneously. I provided receipt information and asked that they never call me again. 

MiraMed call me again, despite being told not to ever call again, on XXXX/XXXX/2016 at XXXX. Again, I informed them that the bill had been paid and to never call me again. Mid-sentence, the operator hung up on me. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I answered the call and told them for the 3rd time that the bill had been paid and to stop calling me. I told them that I would report them to the FTC and said to never call me again. The operator continued to push me to make a payment and I refused. The operator then hung up on me. 

MiraMed has harassed me over a debt that should never have been in collection in the first place. They 've called me a total of 6 times - or 5 times after being notified to never contact me again. I 've communicated with them multiple times to stop calling. I contacted the original vendor and asked them to make sure I was removed from collection, as well, and they 've indicated that I should have been removed. MiraMed continues to call on a debt I do not owe.
Promotional balances do not earn interest if paid in full by expiration date. My payments ( quite often large amounts ) have been allocated to promotional balances, causing interest charges and inflated balances, even after I made an allocation request and company assured me that payments would be allocated according to my request. I have even received letters from the company confirming that payments were allocated, only to log on to my account online or receive a statement showing that the opposite was done and I was being charged interest on a balance that was paid. This is an ongoing issue. Customer service agents blame " the system ''. I am forced to deal with repeated calls, online chats, paper statements only an accountant can translate, and incorrect and misleading online account records. It is all very confusing and I believe a deliberate attempt to wrongfully charge fees and interest. I am certain that it is adversely affecting my credit in as much as actual balances are skewed by the company 's repeated failure to immediately update my account and properly credit my payments.
All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX XXXX and could no longer drive or work to make the payments on the car.I lost the XXXX XXXX XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost tXXXX XXXX XXXX XXXX XXXX XXXX. They just XXXX. I now have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
For years Discover card has been charging me very high interest rates XXXX, very high minimum amount dues, fees every month for many years now and it has ballooned my debt with them more than a 100 % of the original debt acquired with them and every time write a letter asking to lower the interest rates and lower the minimum payments they had refused to do so and still every month charge XXXX late fee because most of the time I am not able to cover the high minimum due payment it is being almost a year since I stop charging little things to this card not using it at all only payments, this month the minimun due {$320.00} is not possible and the optional payment plans they have online are only made so I can get into more debt with them not really helping at all but taking advantage of the economically deprived situation I am living. This company is the principal ripping company I am dealing with
Merchants Credit Association continues to report and attempt to collect a debt that was reporting incorrectly and resolve with a different collection company XXXX.
In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by XXXX, XXXX, or Transunion in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
diversified consultants just put this on my credit I do not no who this company is this company sent the credit bureaus wrong and misleading information I do not owe them are who they say they are representing  XXXX  it what 's showing on my report when I tried to call both no success speaking and getting any understanding  because they do n't no what they are doing you just cant throw o ver 3000.00 debt on  someone 's account with out notifying them 30 days i n advance that 's against the law I 'm sick of these companies destroying people credit like this.
In or about XXXX of XXXX I contacted XXXX requesting my account number so that I could cancel services with them and move to another phone company. I advised the representative to cancel my account, this was before the next month 's billing cycle began. That same day I went to XXXX and ported my phone number to them, leaving XXXX and cancelling my account. I did not use any of XXXX 's services going forward. Yet it seems that after that month 's billing cycle ended they continued it, not cancelling my account as requested. They apparently billed me, despite my request and despite the fact that I could not use their services at all as I did not have a device connected to XXXX 's network even for 1 day during the new billing cycle as I was with XXXX pre-dating the new month 's billing cycle. 

Today I got a credit alert that a company is trying to collect this false debt, with fees. I do not owe a debt, and I take issue with this company as well as XXXX because I ensured carefully prior to the new month 's billing cycle to cancel all services and cut all ties with XXXX, it would 've been impossible for them to provide me with any services as well.
Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago. 
XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me. 

I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about. 

Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter. 

Your help with this matter is greatly appreciated. 

Respectfully, XXXX XXXX XXXX XXXX
I called JP Morgan Chase to find out the status on my account, which is a debt I owe. The representative I spoke with told me that if I did n't enter into a payment plan or a settlement, my wages would be garnished upon filing my tax return.
Conns will continue to call repeatedly even if payment made during grace period and even if we tell them payment will be made. It is extremely harassing and I will absolutely never purchase another item from them because of this reason alone.
XXXX XXXX 2016 XXXX hours Multiple individuals attempted to assist me, completely failed and I was too outraged to get any names. Spoke via telephone to XXXX customer service agents, who were worthless and incompetent. Western Union is taking extremely horrendous care of a veteran. WU is using fraudulent advertising & claims. WU DOES NOT help people send money. WU is NOT fast, DEFINITELY NOT reliable and darn sure NOT convenient. I was actually told that I was NOT ALLOWED to file a complaint ticket due to WU XXXX up my transaction. I have documented proof that I submitted the transaction correctly. I will be contacting my state regulators, state legislators, federal regulators and federal legislators. And everyone else I can think of. I have been treated incredibly unprofessionally. This is a huge load XXXX I was on the phone, most of the time on hold, for 45 minutes. If it was truly my fault, then why did at least XXXX people need to get involved and why did it take 45 minutes!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Dear Investigations Department : I am writing to request an investigation for TransUnion credit bureau. After reviewing my credit report, I noticed in XXXX there were several hard inquires that were removed and then reinstated on my credit report without prior written notification. I called TransUnion ( XXXX ) XXXX XXXX XXXX XXXX different times - Special Handling Department - to have all hard inquiries on XXXX 2016 and prior to XXXX 2016 removed from my credit report. 
I 've spoken with several customer service representatives and supervisors to resolve this issue. They all told me that " per their records - I was not affected by the glitch that occurred XXXX 2016 and nothing would be removed from my credit report ''. I know this is inaccurate information, and that this outage affected my credit report. What TransUnion has done with my credit report is unfair, deceptive, and fraudulent. 
I have the up most confidence that the CFPB will up hold The Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), which clearly prevents what TransUnion is doing. 

Thank you in advance for your prompt response and investigation! 

XXXX XXXX
went to b of  America  in  XXXX  to transfer my ira that was due to mature on  XXXX / XXXX /  XXXX   and the bank stated that I had to pay  XXXX  transfer fee
XX/XX/XXXX I purchased my townhome and had my mortage with XXXX, XX/XX/XXXX I received a letter from XXXX stating that my mortage was now with Statebridge, also the stated that everything would stay the same in the transfer. My escrow paid my taxes, house insurance and a bond that stays with the house for the Water and Wastewater facilities installation in the amount of {$300.00} a year. XX/XX/XXXX I received a bill from XXXX XXXX stating that my {$300.00} had not been paid for XX/XX/XXXX or for XX/XX/XXXX, I faxed a copy of my bill to Statebridge in XX/XX/XXXX andXX/XX/XXXX asking them to pay this bond. I never received any information from Statebridge, I then emailed them again inXX/XX/XXXX and they keep stating that this is a water bill and they do n't pay water bills. I have been trying to explain to them and I still have not received any information from them. I again called Statebridge on XX/XX/XXXX XXXX, XXXX,XX/XX/XXXX and XXXX, I still have not received an answer from them, I spoke to four of Statebridge representative but they had no answers or information only stating that it has been sent forward and that I should hear something within 5 days, I am still waiting. This account has a fee of XXXX added for late payment and sent to XXXX XXXX XXXX XXXX, PA, I feel that I should at the very least receive a call back or email from Statebridge as to what is happening, in order to avoid a Intent to File Lien I have sent {$300.00} and will pay {$100.00} a month until this amount of {$640.00} is paid, thank you for any help or advice you can provide, I am retired now after 40 years with the federal government so this money is a big part of my monthly spending, thanks, XXXX XXXX
XXXX XXXX XXXX telephoned me repeatedly. When I finally answered, their representative told me I owed XXXX XXXX XXXX {$65.00} for a XXXX Credit Account. I do not have such an account, and never had. I settle my XXXX balances with my checking account or linked XXXX debit card. When I asked them to describe the purchases that totaled {$65.00} they could not. I then asked them to submit details in writing, and all I received was a paper " notice '' ( attached ) with the same amount and lack of detail.
I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!