WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX in XXXX NJ offered 0 percent financing through a Wells Fargo Credit Card. While I offered to pay cash the store suggested I take advantage of the 0 percent financing. We charged approximately {$1900.00} for the furniture to the new Wells Fargo account. We paid double the monthly payment for about a year and owed {$200.00} on the account on the 1 year anniversary of the charge. When our statement came in the balance was {$610.00}. A {$410.00} interest charge was added because the account was not paid off completely in the first year. I immediately paid off the {$200.00} balance and contacted Wells Fargo. They would not remove any of the interest even though the account was paid in full within 15 days of the 1 year anniversary of the charge. I can not imagine how this could be a legal business practice. We were never made aware of what would happen after one year, and if we were, we would have never opened the account. We could have just as easily paid cash. I feel as if I have be mugged by someone on the street and my wallet stolen. Why is this practice allowed?
XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be used against me in court '' -- -I advised that I was currently in a bankruptcy -- XXXX -- I gave the women my Attorney 's name and advised to cease all calls. The following 2 days by parents have been receiving calls from them stating they have paper work to serve to me and that I need to contact them. I again called and have information to them and again gave them a cease -- they called my parents again today from a phone number that can not receive incoming calls,.
We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer.
i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections
Midwest Recovery Systems has reported a debt to my XXXX and XXXX credit reports. I have no Idea why they are trying to collect a pay day loan amount when I am post bankruptcy and discharged. I have 2011 discharge and my case number is XXXX. I have not received a 30 day disclosure from this company and feel this may be a scam. It is illegal to collect a debt that has been discharged per bankruptcy law.
I received my online statement due on  XXXX . My statement separates my purchases because I have a promotional offer. On my  XXXX  statement I had made purchase that were open to regular interest rates and  one sp ecial promo that is under contract for a special interest rate throu gh 2020. I  made a large payment on  XXXX  to pay this statement.     I received my next statement due on  XXXX  and it revealed that they had used my previous payment to pay off a new transfer made on  XXXX , which is after my statement close. When I contacted them regarding this they told me that 0 % aprs are paid first then higher apr. I do not recall this ever being the case but I said fine but how can you pay off something that has not been on my statement yet. I specifically planned my payment to basically pay off my purchases since I did a new transfer for the  XXXX  statement. It seems they did this since I was avoiding higher interest rates and they wanted me to owe more in interest rates. I really need someone to review this. I have copies of all my communications with them.
XXXX accounts are reporting improperly on my TransUnion Credit Report. ( XXXX and XXXX XXXX XXXX ). I have disputed the accounts several times. TransUnion continues to come back and say that these accounts have been verified as accurate. Today I called to check the status on the accounts, only to find that after sending in written documentation detailing my disputes, TransUnion FAILED to accurately dispute the accounts. ( See attached for the official dispute letters I sent ). TransUnion processed XXXX and XXXX XXXX XXXX as if I was disputing the amounts or other details of the account. As you will see in the attached, I WAS NOT. The specific dispute is that these accounts were NOT included in the bankruptcy that the creditor and the agency is claiming. I requested to speak with a supervisor and advised the supervisor that the XXXX account was paid in full ( high balance of {$30.00} ) XX/XX/XXXX ( see attached receipt from the University confirming this. ) The bankruptcy that the credit bureau is claiming as mine was filed XX/XX/XXXX. They are saying they need more documentation when in fact there is no further documentation needed. Common sense tells you a paid debt with XXXX balance would n't be included in a Chapter XXXX bankruptcy. TransUnion insists that they verified the information and they in fact have not. 
As for the XXXX XXXX XXXX, same scenario. This account is being listed as included in a Ch XXXX Bankruptcy which occurred XX/XX/XXXX, XXXX XX/XX/XXXX. This MasterCard account was closed XX/XX/XXXX. I used the card and made my timely payments until XXXX XXXX sent me a notice that they were closing it. I disputed with them directly, however they refused to adjust this. TransUnion removed my positive pay history with this account and listed as included in a bankruptcy that occurred almost XXXX years prior to my account closure. They continue to insist that this is verified as accurate. I have asked them to request the payment history for the account so that they can see the proof that I continued to make payments. XXXX XXXX refuses to give it to me. I advised the supervisor of this and also noted the fact that TransUnion did not even dispute the account properly. I asked the supervisor would this be addressed and he insisted that because there are offices in other countries, TransUnion effectively can not stand by the quality and accuracy of their work in reporting. This is of course extremely disheartening to find that this company does not follow the law in reporting accurate information on consumers reports. Both of these accounts need to be updated immediately or removed. I have now been through XXXX cycles of disputes. It is UNFAIR and UNETHICAL to continue to take me on this roller coaster, at what point are my rights to a fair and thorough investigation upheld.
I previously filed a complaint with the CPFB ( CFPB case # XXXX ; Huntington Bank Case XXXX ) regarding overdraft fees. Huntington told me and the CFPB that it refunded all of the overdraft fees. They did refund the fees on XXXX/XXXX/2016. Later that same day, Huntington reversed itself and withdrew the money from my account again. I believe this was done purposefully to deceive both me and the CFPB. I did not realize the refund reversal initially. 

Also, Huntington indicated in its response that I permitted Huntington to allow my account to overdraft at the time of signing up for my checking account. This is a bold faced lie. I made ABSOLUTELY certain to the bank representative that I did not want my account to overdraft if I did not have the funds in my account to cover a transaction. In Huntington 's response, they indicated I could opt out without providing detailed instructions to do so.
I agreed to a 12 month lease at the apartment complex, XXXX ( XXXX ) in XXXX, Ohio from XX/XX/XXXX-XX/XX/XXXX. This agreement was upheld by both parties through completion with no issues. Toward the end of the 12 month lease, I provided my 45 day notice of termination ( email sent in late XX/XX/XXXX ). After I provided the notice, I inquired by email about potentially staying an extra month but I did not receive nor sign any new terms for a month to month agreement. The apartment complex, however, took my inquiry as a contract and signed me up to stay in XX/XX/XXXX without me agreeing to the new terms. I moved out on XX/XX/XXXX as per the original and ONLY agreement that I ever saw or agreed to the terms of. 
Simply put, I am now unable to get a loan because the apartment complex sent my supposed XX/XX/XXXX rent payment to a collections firm, FabCo ( Federal Adjustment Bureau , Inc ) and they, in turn, reported the non payment to my Credit report. The collections firm can not provide the XX/XX/XXXX/month to month contract ( because it does n't exists ) but they claim my email to the apartment complex is sufficient, even though there is nothing in the emails pertaining to the terms of a new agreement. I have sent several emails to other apartment complexes, XXXX private sellers about cars, etc. telling sellers and companies them that I want something, but I have never been held liable for something unless I see and agree to the terms of the agreement, until now. 
Fabco suggested that I hire an attorney or else pay it. Apparently they feel that you can hold consumers to the terms of an agreement without a signature or acknowledgment of the terms of said agreement, and an email without confirmation of the terms is sufficient. This is the only credit reporting issue that I have EVER had. I pay my bills every month and have ( had ) an exceptional credit rating. and while I 'm tempted to pay this to get it off my credit, I can not imagine allowing this poor business practice to prevail.
Cancellation benefit not as advertised. Matter of fact, judging from the response to the claim, no claim will be honored. Thus the " benefit '' is a scam and a perfect example of false advertising. My complaint is, according to this letter and an e-mail from the insurance companies general council 's office, there will rarely, or ever, be a claim that is covered. Therefore, my complaint that the benefit is a scam still stands and is unanswered. The public should not be subject to this type of hyperbolic scam. False advertising is also apparent.
Equitable Acceptance and XXXX XXXXXXXX XXXX scammed my credit line by {$1300.00}. They said they could consolidate my loans for this amount. This happened in XXXX and I found out what they had done three months after. I did tell them to take me off the contract and they agreed but the credit line is still affecting my overall credit.
XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and my credit score to b e impacted.
Experian is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. Thank you
On XXXX XXXX 2018 XXXX XXXX XXXX sent moneygram to travel agent XXXX XXXX XXXX at XXXX XXXX XXXX il XXXX to XXXX. First said funds picked up XXXX  said funds not received store say transactions incomple call sender XXXX XXXX XXXX. XXXX told glitch in, system now nobody has XXXX and we out XXXX we 've friend on other end needs XXXX. We do n't have XXXX to throw away time of essence moneygram receiptXXXX we need refund receiver needs money important
I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at XXXX.
Recently, Chase increased my purchase rate by 2 %. I pay on time and always more than the minimum amount. Upon contacting Chase they blamed the increase on government regulation and an increase in the prime to 3.5 %. I 've had this card for years and a prime increase or decrease never affected my rate. Chase 's only resolution was that I could close the account. The rate should not change.
On XX/XX/2018, I sent a certified letter disputing multiple inquires on my credit reports. Trans union was previously notified about the Identity theft. I detail out names and dated of inquiries that are not mine. I also disputed a Bankruptcy and sent in a letter from the bankruptcy court that they do not report information to any credit reporting agency so please remove this information. I spoke with a XXXX and she informed me even though she see it noted about my Identity theft they will not remove the hard inquires. I pointed out how someone applied to the same company multiple times who in their right mind would do that. I just want the incorrect information removed. The last time this happen I had to file a complainant in order to get the information off. This should not be the process. This has an adverse effect on my life and livelihood. and if i am unable to get this information removed I will seek legal action. I have evidence of such, via certified mail receipt, I am maintaining a careful record of my communication with Transunion for the purpose of filing a complaint with the Attorney General Office, should this non compliance of the federal law under the fair debt collection practice act, the fair credit reporting act I remand you that as in XXXX v. Trans Union Corp No. XXXX you may be liable for your willful no compliance Any other action against your company I will be seeking {$1000.00} per violation for defamation, Negligent enablement of identity fraud and Violation of the fair credit reporting act.
Last year I made a lump sum payment with an XXXX educational award. There was {$75.00} left after all the unpaid interest was paid. I instructed Navient to put the remaining money towards loan # XXXX. Instead they applied it to loan # XXXX. Loan # XXXX is a lower interest rate loan than loan # XXXX. When I called to correct this mistake, I was told that the entire amount would be " taken back off '' and that interest would continue to accrue while their mistake was being corrected. I declined, and left it as it was.
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$470.00} Account Details Last Reported XX/XX/XXXX Collection Agency AMERICOLLECT INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$470.00} High Balance {$470.00} Remarks Consumer disputes this account information Medical
Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude. 
My loan payment is due on the XXXX of every month. I called and requested this way before hand.
We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.
The following accounts/inquiries were taken off my credit report : XXXX, XXXX ( 2 occurrences ), XXXX XXXX XXXX, XXXX/XXXX ( 2 occurrences ), XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, but all the items were put back on credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These items need to be removed off my credit report.
I normally monitor my credit through   XXXX   XXXX   ,   XXXX   XXXX   XXXX   and now credit wise. I noticed that there was a social security, address, name ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However, two of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have two different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from  XXXX  because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
I just filed a complaint with the XXXX about this, because I have already emailed customer service previously about it, and you STILL allowed your LIES AND FALSE ADVERTISEMENT to continue!!! The XXXX complaint number is XXXX. 

I feel like your company has FALSE advertisement, which is ILLEGAL!!!! You provide FALSE information when you LIE, and state that after 5 months of satisfactory credit history with your company, you will automatically increase the credit amount. I HAVE HAD EXCELLENT, EXCELLENT history with your FALSE ADVERTISEMENT company. I have charged up my card, multiple times, and then COMPLETELY paid it off. Then charge up again, and then COMPLETELY pay off again! I HAVE EXCELLENT history with your company, and YOU FLAT OUT LIED TO ME!! YOU ILLEGALLY gave me FALSE information about automatically increasing credit limit after 5 months!!! YOUR COMPANY SHOULD GET SUED FOR YOUR ILLEGAL FALSE ADVERTISING!!!!!! 

I also spoke with a XXXX XXXX from the president 's office, and he lied to me, and stated that he has never heard of anything about automatic increases in limit. I am attaching from their website that states that they do.
I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them.