WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX the Care Credit company upgraded my card to a XXXX. I did n't have a balance on the card at that time but used it that month. When the bill came I accidentally paid the old card. They were very helpful and took the past due amount off and explained that the old card should have been closed and funds applied to new card. In XXXX I got 2 bills, one for each card and it showed I owed XXXX on old card so I paid it and XXXX on new card. This month I get 2 bills again stating that I am past due on the old card but the new card shows both the payments I sent. They insist that my bank returned the money and that it was n't paid. After over an hour and 5 different people they agreed to waive the interest charge, move the money from new card to old to make it a XXXX balance. They did take the fees off but never moved the money. If I pay the card I know that the money will be transferred to new card and we will start this battle again. Now I am emailing back and forth and they are once again telling me the charge was rejected by the bank. Worst case of customer service I have ever had. The bill is due in 2 days so I guess I will pay it again but this should n't have been such a big hassle. It clearly shows on my new account two payments so why ca n't they just fix it.
I opened accounts with XXXX XXXX XXXX XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to XXXX XXXX  XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with Equifax on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to Equifax, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.
My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.
My complaint is with Wakefield Associates, I owed an doctor bill with XXXX XXXX Hospital for my daughter for which I paid by check directly to the hospital. I contact the credit bureau and collection company of two issues regarding the inquirer on my credit report. One, to inform them of paying the bill in full directly to XXXX XXXX Hospital and I provided them my check number, date of when I wrote the check along with the name of the bank I wrote the check on to the representative. Second, I informed the representative that the balance for bill is not correct and I also sent email them a copy of my orinigal bill along with my proofs of the cashed checks from the hospital and requested for them to update my credit report. It still has not been done nor is it correct.
I applied for mortgage assistance from my primary lender, XXXX as well as the secondary lien holder, Chase XXXX HELOC XXXX in XX/XX/XXXX. While I was approved for a FHA Hamp Mod with XXXX, Chase instructed me not to make any payments on my loan because they would most likely offer a 2nd HAMP. I was told the first lender 's HAMP mod has to settle before Chase HELOC could offer anything. The HAMP mod settled in XX/XX/XXXX. However, I diligently called Chase and continued to resubmit mortgage assistance documents regardless. I always informed them on the updates from XXXX concerning the settling of the FHA HAMP mod. The HAMP mod settled XX/XX/XXXX. After informing Chase, I noticed several things occurred which cause grave concerns : 1 ) Chase would change out customer service reps assigned to my file and the new rep would claim they had no knowledge of any previous notes on the file 2 ) Chase would claim faxes or mailed documents for the mortgage assistance were missing, which literally occurred for more than two years on this issue 3 ) Chase would not return phone calls or respond to my Escalation Dept. incidents. The first letter received for an answer for mortgage assistance was received XX/XX/XXXX and it was a denial. Chase claims I do not have a HAMP mod despite WFHM and a Supervisor from the XXXX XXXX XXXX verifying such via conference call. Chase is now stating they do not do 2nd HAMP 's for FHA loans whatsoever. In XX/XX/XXXX, I immediately appealed the denial decision and followed up via telephone with a Supervisor for the rep who submitted the paperwork to the underwriter. The rep assured me, as well as the previous rep, that Chase could give me the XXXX HAMP and I would hear something soon. This rep left the department, but apologized that Chase had " screwed up. '' Chase asserts they never received my appeal and provided two options : short sell or reinstatement. I did not sign their documents for either to take place. The reinstatement amount has so many fees as a result of Chase intentionally permitting the issue to sit for 2 years. I contacted Chase via telephone in XX/XX/XXXX to find out who was re-assigned to the file since no one was overseeing the account according to Chase. I discovered during my conversation that Chase has " written off the account. '' I was told that I could make monthly payments on it because the accounts was written off and the lien has been removed from the property. After making 6 months of payment, the letter from Chase states they will review the account. I do not trust what will happen from here, but it is not a good feeling. I do not understand how a financial institution that was bailed out from the federal government can turn around and deny a consumer who is ELIGIBLE for assistance the opportunity for such. I want a resolution and transparency from Chase how they will right their wrong.
In the year 2017, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/2017. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX  XXXX XXXX, XX/XX/2017 -XXXX XXXX XXXX XXXX XX/XX/2017 XXXX, XX/XX/2017 - XXXX XXXX, XX/XX/2017 2017
On XX/XX/XXXX I called My servicer to update my address after paying off my home loan in order to collect the escrow check. 
At their direction, I submitted a form signed by me and my wife to update our address. Form noted that it can take 5 business days to update address. 

On XX/XX/XXXX my servicer mailed my escrow check to my old address. Servicer did not update my address. 

On XX/XX/XXXX my servicer told me they couldnt issue a new check for 30 days after XX/XX/XXXX due to company policy - even when it was their error in mailing the check to the wrong location. I think theyre doing this intentionally to collect interest on the funds - over {$5000.00}
I 'm tying to open and account but they will not let i do n't no what is wrong i do n't own no one anything.
Ordered eye glasses from XXXX, supplied Doctors XXXX  Received glasses from Marvel but eye glasses did not match prescription.  Returned glasses for refund.  Marvel offers 365 day refund guarantee which they refused to honor so I disputed charge with Chase cardmember services.  Chase must be in conspiring with Marvel as Chase refused to honor the dispute, in violation of the Fair Credit Billing Act, and also refused to investigate the claim against XXXX.
I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.
Compliant against XXXX XXXX XXXX of Annie Mac Home MortgageI am a victim of being treated unfairly by XXXX XXXX XXXX, branch manager of the Annie Mac mortgage company, XXXX, Delaware branch. Per the Dodd Frank Act under Unfair Deceptive Abusive Acts and Practices ( UDAAP ), it states " abusive '' is defined as : - materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service, - takes " unreasonable advantage '' of a lack of understanding on the part of a consumer of the material risks, costs, or conditions of the product or service '' Deceptive '' is defined as : - consumer 's interpretation is what matters, not the institution 's intention with its message or practiceWhile UDAAP may not be applicable to Annie Mac due to their amount of annual assets, they should still fall under the laws of UDAP.
On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.
Again probably for the XXXX time I contacted experian via internet to dispute wrong information on my credit report. The system would not let me do it as I previously disputed it. I called experian again and was told that they can not re-dispute the incorrect information for me. I sent in to experian a letter directly from XXXX who holds the XXXX accounts I am complaining about and trying to get corrected. I was told that I need to contact XXXX again and get a more detailed letter stating that these accounts were never paid late. The XXXX accounts are XXXX XXXX 's. They corrected XXXX and put that account in the satisfactory as it should be but did not and will not fix XXXX and XXXX account. This makes no sense to me as I personally spoke with XXXX to review all XXXX accounts they hold and they e-mailed me seperate letters for each account stating the information that experian is reporting is incorrect and should be corrected. I was never late on these charge cards and I have standard proof. Now they will not re-dispute it for me and the proof I sent in they are not accepting. How can it get more explanatory when the letter came directly from the bank. I have been putting so much time and effort into getting this corrected and now i 'm told they will not re-dispute it and want me to contact XXXX to get another detailed letter before they will re-dispute it. This is ridicilous.
I had a pending transaction/bill payment from  XXXX   XXXX , I then transferred the amount to cover the cost from an external account/ Bank  XXXX   XXXX   XXXX   XXXX   . B oth transactions were simultaneously in Pending status Tuesday. The bank then used predatory measures and charged me an unwarranted  XXXX  overdraft fee. The overdraft fee then put me in the negative {$9.00}. I would like this published.  XXXX  consumer unfriendly/ predatory lending way is not only unsavory but creates financial hardships on the, POOR consumers they draw on to sustain their institution.
Dear CFPB ... .My complaint is with Cardinal Financial Lending , XXXX XXXX XXXX or Sebonic Financial ... XXXX XXXX ... after applying to this lender for refinancing a mortgage I decided to cancel the loan. The loan was not paid off and did not close. When looking at my bank statement, XXXX I found they charged my account an " Expedited Payoff Service Fee '' without my permission on XXXX/XXXX/16 and XXXX/XXXX/16 ... {$30.00} each time ... they could have gotten this info for free but because they " Expedited '' it I was charged {$30.00}. This was done without my permission and I am requesting a refund of these charges ... thank you for your help ... XXXX XXXX, XXXX, CA. XXXX XXXX
I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.
I 'm receiving a bill from a collection company Affiliated Acceptance Corporation stating an accelerated balance of {$1200.00} from {$410.00}. They are saying I need to pay nearly {$800.00} more than they originally stated I owed or this to be reported to a credit reporting agency monthly, I entered into a first 12 month contract for my granddaughter 's karate lesson. Afterwards it was to be monthly. My granddaughter was enrolled for two years when I enrolled her brother. After attending for a few months his father disappeared with grandson for six months. I informed the karate dojos of this and ask to have payments stop for him. Of course the payment continued and I never thought of this being a yearly commitment. I personally spoke with the person in charge and I understood to have payments stop. He assured me he would take care of this.Then later in the year my granddaughter decided she wanted to stop karate. Again, I thought since she was no longer attending the payment would stop. No, they did not, I file a complaint with my AG office. To find out the dojo is falsely stating that my granddaughter only recently started the lessons, and recent as a few months prior to her brother ... .that is not true. I can not see paying for something I am not using. I faithfully paid for my grandchildren attendance ... .never late. This is the tanks I get for being a good customer.
XXXX XXXX in XXXX erroneously billed me for {$100.00} after I dropped their internet service. XXXX XXXX admitted to the error, and cleared the amount from my XXXX account. However, XXXX still sent my account to a collection agency, Credit Protection Association, which continues to fraudulently harass me asking me to pay this amount, which I never owed.
Representative called me at work, he began right away questioning if I was going to pay the creditor the funds I owed them, " and than stated of course you have a {$39.00} debt owed to some other folks ''. I asked him to please call me at home not to call me at work, his reply was, due to this being your debt why dont you call me back. If I do not hear from you, I will call you at work. I attempted to tell him, he is not allowed to call me at work after I have asked him not too. He began with Are you sure about that, are you a lawyer? " Let me give you the scope on that ''. I told him I was at work and that I could not talk and I hung up. He was rude irrogant and unprofessional. I do owe the bill, as I stated to him, the hospital never submitted a claim to insurance. He was rude, and to me threatning. How many complaints have to be made regarding H & R Accounts in XXXX, Il before something is done.
Capital One refuse to validate. I do n't remember paying anyone credit company since XX/XX/XXXX. They said its XX/XX/XXXX, I know its not correct. 
XXXX I sent a letter to validate
This is my second consecutive complaint against Seterus Inc. 's refusal to correctly allocate special payments toward principal only. The by-now routine problem is this : In addition to paying our monthly mortgage ( principal and interest ) on time, we occasionally send checks with letters instructing Seterus to apply all of the enclosed check to principal only ( our instruction is always clear, emphasized, and repeated in our letter and on the check ) .They ALWAYS ( perhaps a dozen times ) misapply the check to both interest AND principal, resulting in about an hour on the phone trying to get them to correct the matter. Last time they refused, resulting in our first complaint to the CFPB. After that complaint Seterus immediately corrected the situation. ( Thank you, CFPB. ) But with our most recent check, Seterus has mis-allocated our payment again.
On XX/XX/2018 I notified XXXX that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. XXXX mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

XXXX has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.
There is a charge for {$68.00} from XXXX XXXX XXXX on my credit report and the collection agency is Grant Mercantile Age for XX/XX/2013. 
I was not at that medical group in XX/XX/XXXX or XX/XX/XXXX and was out of town on business. 
This is erroneous billing and needs to be removed from my Credit Report ASAP.
I purchased a XXXX XXXX and financed through Hyundai Motor Finance. The car was recently involved in an accident and the insurance company ruled it a total loss and is trying to payoff the car. My agent requested the information on XXXX XXXX, 2015. He has continuously been given the runaround from HMF. First, they asked him for inappropriate information ( details about the loss, my insurance policy and the claim itself ). Then, they refused to confirm receipt of the information he requested. We were told it would be 5-7 business days from the date they " received '' the information he sent, but they refused to verify they received it. It is now XXXX XXXX and today HMF told him it would be 3 more business days from receipt of additional information that they once again will not confirm they received. I faxed them this morning demanding escalation and a call from management by XXXX, to no avail. Meanwhile, I am waiting on the excess proceeds of that payoff to use as my down payment for another car. Further, I am buying a house and the HMF loan is still showing on my credit because HMF refuses to cooperate in ACCEPTING PAYOFF OF MY LOAN!!! I really need someone to intervene and make them cooperate and communicate with my agent.
Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.