WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.
I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX
On or about XXXX XXXX, a complaint was submitted to XXXX related to Chase Fraudulent reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, Chase took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX Chase bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. CHASE BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO CHASE BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND XXXX is only helping them by checking in or providing the proof on what the company 's trying to defraud customers about.
My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this. 

My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.
I have outstanding debt to Discover Card in the amount of {$4000.00}. I am elderly and I recently lost my life partner of 25 years, and XXXX daughters. XXXX of my daughters left me to care for my special needs granddaughter ; and the other daughter had serious financial debt, which all became my sole responsibility. I am willing to pay my debt ; however, I feel I am being unfairly treated by Discover and harassed by collection phone calls. I feel Discover has discriminated against me due to my age because I am elderly and on a fixed income and receive public assistance, and although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Further, they know I have no immediate family to help me understand my liabilities and the Discover calls have been confusing and misleading me and purposely trying to get me to verbally agree to something I can not fulfill for a monthly payment. I also feel that Discover treated me unfairly because they have been harassing me with collections calls, even though I have opted out of phone calls. Because of the harassing calls from Discover, I felt pressured into finding a financial solution. As a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Discover that I was the victim of a credit consolidation scam by a company called XXXX XXXX. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in 3.5 years, but all they did was take my money and left me with nothing. All Discover has done was continue to harass me by phone causing additional anxiety and stress to me.
I filed a dispute regarding some deliquencies reported on my credit report by my student loan XXXX where I was granted a forbearance prior to the date of the delinquencies through a date after the delinquencies, and requested that my information be updated pursuant to FCRA 623a2B stating that Information must be updated as it becomes available! I sent the information in and the credit reporting agency did not update my information or investigate the information with the creditor and have them verify or respond to the updated information.
XXXX XXXX requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.
To Chase Bank My wallet might 've gotten stolen or I misplaced it but when I come to figure out I do n't have my wallet no more I looked for it everywhere called people Backtracked but no luck that 's when I decided I should cancel my cards I called chase customer service department around XXXX XXXX in the morning on the XX/XX/XXXX the XXXX then informs me my last transaction was a withdrawal from a chase ATM that when I told the XXXX no my last transaction was at XXXX XXXX {$3.00} and some change on the XX/XX/XXXX it 's the XXXX now they already denied me once never gave me temporary credit then you have chase employees calling me telling me your not getting your money because you have n't banked with us for that long and she is n't even in the claims department then you have the claims department it 's self that right there may I say is a joke they have been messing around on there end and it 's about to cost me my savings everytime I call it 's another excuse or another business day or another department I 'm waiting on a call from there executive office which I believe is the last place they can transfer me but see what you can do cause that was all the money I had and I 'll be XXXX if chase has the last laugh
Convergent  XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute.   XXXX  They continue to forget the law as this is the 2nd time this company has done this to me.   XXXX  My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report.   XXXX  Convergent  XXXX  collection practices are illegal and are continually being used on the American people.   XXXX  I called the company to see what was the bill.   XXXX  I was told that the bill was for  XXXX    XXXX   and  XXXX .   XXXX  I have not received a right to dispute.   This bill has not been verified and validated.   I do not have a contract with Convergent  XXXX  I am in the process of buying a home, and getting my clearance to work.   XXXX  Remove this incorrect collection immediately.
XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty XXXX min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
Equifax refuses to remove these fraudulent accounts with these horrible collection agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, off of my credit report. Ive notified Equifax multiple times those accounts are not mine. My information was stolen and used to open those accounts without my permission. Ive reported the same information to XXXX and they did their job and removed those fraudulent accounts off of my credit report. That 's real, true customer service with honor! I demand Equifax remove those accounts from my credit report immediately.
The first collection account was as a result of the billing policy at XXXX XXXX XXXX. Each visit to a different practitioner was billed to a different account. XXXX of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The XXXX account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the XXXX XXXX XXXX, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.
My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.
On XXXX XXXX 2017 I received written notification of balance owing for the amount of XXXX. Payment to be received on or before XXXX XXXX 2017. I was unable to attend my XXXX XXXX due to Holiday on XXXX XXXX of XXXX XXXX. On XXXX XXXX, my XXXX XXXX closed at XXXX XXXX. On XXXX XXXX, 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX  2017 through overnight delivery with XXXX. I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX 2017. New statement received indicates balance owing to be XXXX. I have contacted company and have left a message with Manager handling my collection account.
Bank of America experienced failure in their auto-pay system. However, I was charged late payments, interest, and potentially other adverse affects.= This failure occurred a month ago. My auto-debit was enrolled for over a year. Auto-payment was adjusted to minimum payment. Minimum payment would have still counted as a payment. However, no auto-debit occurred. The bank account that was linked, has plenty of funds -I can prove that. 

When I was notified that i had " missed '' a payment because their auto-payment did not deduct, I used the make payment button on the home screen. According to the person I talk to day named XXXX, this applied a payment to the wrong account. 

My credit score is in the high XXXX and my credit report has no missed payments. I have also not had a missed payment with Bank of America since I opened the account in 2010. I have relationshiips with all XXXX of the major credit card companies and I can say without a doubt that my experience with Bank of America has been the worst of late. I have been transferred mid sentence and dropped. I hope that this is only a one time event and can be resolved in the future so that BOA can retain my business.
I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I
XXXX XXXX XXXX will not remove from my credit account where they have responded that it should be removed. I have documents/response that they sent, and sent to CFPB in response to my complaint before. XXXX and XXXX  has removed it from my credit report, but Experian has not. I have resubmitted to have removed from Experian, and it was not removed, again. They sent me a mortgage of someone elses, with a letter that clearly states what they should have done, but did not.
some is using my name and social security number applying for cards in my name. I been receiving phone calls from XXXX and all around different states.
I disputed the public record on my credit report, which is a bankruptcy. I received notice of the result of my dispute. The result was that the information was verified and the firm that was used to verify it was XXXX. I know factually the information was not verified through XXXX, as my consumer report was frozen on XX/XX/XXXX and Equifax, says they verified it on the XXXX. I reached out to XXXX and spoke to XXXX, who told me a inquiry had been received but she did not see where XXXX had divulged any information to Equifax.
this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
A stop payment was requested for funds being taken from our account which the bank issued and then allowed XXXX to remove the funds from our account in the amount of {$160.00} and {$130.00}. When I noticed that these funds was removed from our account I called the bank who stated that their is nothing that can be done because the way that XXXX went around the stop payment request that was filed with the bank. This goes to the other complaint that was filed with your office in early XXXX 2016.
Shellpoint Mortgage Services is reporting inaccurate information on my credit report. This account was included in my bankruptcy by they are commenting that foreclosure proceedings have started. That is not correct. How can an account I had included in bankruptcy also be in foreclosure? I even disputed this account directly with them and they failed to mark this account as being disputed which is a violation of the Fair Credit Reporting Act and a no-no when it comes to the FTC.
This car loan has been on my credit report over  7 to  10 years and should be deleted immediately.
I 've reported this company before. Now they 're back to the same sort of robocalls I got at first that do n't mention who they 're calling for or that this is a debt collection. Here 's the transcript of the message : This is a final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative any investigation against you if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX, please reference & lt ; call ended & gt ;.
I have been with WU for about XXXX years. Recently they changed their debit card to Netspend and started charging approximately {$2.00} per transaction. I called and spoke with them and they told me in order to stop paying the fees for every transaction I need to pay a monthly fee instead. 

The old western union card which I had up until a year they never charge a fee for a transaction except for adding adding money to the card which was the attraction of using the card. 

Now no matter what amount they hit me with a XXXX fee. so if i spend XXXX I have to pay XXXX. They get to collect interest off my money. 
i have a XXXX prepaid debit and they only charge a fee when making the deposit onto the card. 
see attached ( XXXX ) which is my account ledger.
Chase bank refuses to give me access to a direct deposit. On XX/XX/XXXX I deposited a check from my brother for XXXX . In was returned insuffient funds due to he accidently wrote it out of wrong acct. When it was returned my acct was negative XXXX . I called Chase and they notified me they will mail the check bank to him. My brother air mailed me a check from the correct acct for XXXX $ and I deposited via Chase mobile app on XX/XX/XXXX. On XX/XX/XXXX my mobile app stated funds were available. I attempted to purchase gas on XX/XX/XXXX and XX/XX/XXXX and it was declined. On XX/XX/XXXX I called Chase and was transferred to a hold department. I was total a hold was placed on my funds til XX/XX/XXXX. She stated she could not tell me why but gave me reasons it may be on hold like supecious unusally deposit, insuff funds, and others. I informed her I was in hardship, no food for household and no gas and my dad is admitted in hospital and ask for XXXX $ to be available and it was decline. I asked her to cancel the deposit. She stated it cant be done. I informed her that I was going to take the check to the bank it is on, XXXX XXXX XXXX, and she said I could not do that and advised against it. I will be going to the food bank tomorrow for the first time in my life. I am unable to pay my ulitities which will be overdue by XX/XX/XXXX and worsest of all, my rent is due on XX/XX/XXXX and I will be charged XXXX $ per day late fees ( XXXX $ ). This check is written on my dad acct which my brother is XXXX. Dad moved in with me and this check is covering the expenses I occurred for caring for him. My brother and I are jointed guardianship. He is supposed to be released from hospital tomorrow 40 miles away, will have new prescriptions to be fill for XXXX and I will not have his money available to care for him. I will be contacting the hospital social worker tomorrow for help. My brother told me that Chase did the same thing to him and that 's why he changed back. Chase bank is abusing the hold fund to accumulate interest for gainful profit. XXXX I pray for our Nation. Their is no longer middleclass citizens to due corporate thieves. The customer service lady I spoke to today was cold hearted. I checked my mobile phone again a few hours after I got off phone with her and the funds that showed available are no longer available. She changed went after I told her that I was going to try to take the check and cash it at the bank it was wrote on. She again advised me not too, and said she was going to " note my acct ''.
Hi, I have had numerous issues with Hyundai motor finance USA. I have had two issues of getting deferments on my account and then they reported them as 30 day lates. Ive also had some late fees showing on my credit as 30,60 days late. Ive never been more than 26 days late on my account I have always made my regulatory schedule payments. I had an XXXX credit score and now because of Hyundai reporting 2 -30 day lates and 1-60 late my score of down to XXXX all due to Hyundai as every other account in my credit has and shows a perfect payment history. 

This needs to be corrected and stopped.
This complaint is with Wakefield and Associates. I have contacted this company numerous times to get a duplicate medical debt removed from my credit report. The debt is from XXXX/XXXX XXXX XXXX  XXXX XXXX with a balance of {$650.00} from 2012 that shows up on my XXXX and XXXX reports. When I called Wakefield and Associates, I was told they no longer had the debt and that it was sent off to their legal department. They gave me like 10 different telephone numbers and each person that I called did not actively have the debt in their office. One guy even got extremly nasty and rude with me for trying to find out. So, I called Wakefield back, since it shows on my credit report that they are the ones who reported it, but they said that they could not remove the debt because they no longer had. They have yet to tell me correctly who has the debt and I feel that since they put it on my Credit report that they should be able to remove it. I have been reaching out with them refuses to remove the inaccurate information because they no longer actively have the account. If they no longer have it, how can they keep the charges on my credit report.