WillisBack/dataset-financial-user-claim huggingface dataset:
I have called customer service numerous times at XXXX on XXXX XXXX and got people in XXXX that lack SERIOUS training. I was on the phone for over an hour spoke to XXXX # XXXX along with his supervisor XXXX XXXX and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on XXXX XXXX dealt with a XXXX XXXX, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant gets resolved as I will proceed to look into it further having this issue resolved because as I am looking into my statements there are missing monies that I have been paying that are not posted to my account. I now have a suspicion that HSBC is stealing my money especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have XXXX balances with XXXX different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in XXXX they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to XXXX # XXXX and his supervisor XXXX yesterday at XXXX spent my whole lunch hour and did not achieve anything on XXXX XXXX.
I had a Wells Fargo account and they charged me off for what reason i dont know, and now they are trying to charge me {$260.00} or so. I called to complain about fraudulent charges on my account, and they just brushed me off, and told me they cant do anything for me. Wells Fargo is doing shady business, and its sad you ca n't even trust your own banks anymore. I would like to get this taken care of please, because they have crippled my credit and score bad.
I received a letter from Equifax stating that i requested an initial fraud alert on my credit file. I never did no such thing. Tried to get in touch with Equifax & its impossible to talk to someone. They say this fraud alert will stay on my file for 90 days & they notified XXXX  & XXXX also. I never requested this & i want it removed immediately. Please help
On XX/XX/2018, I made a small but material typo when sending rent payment to my landlord via XXXX ( XXXX ) - incorrectly spelling his name " XXXX '' in the recipient 's email ( rather than XXXX ). Immediately realizing my error, I contacted Chase Online customer support within 24-hours and asked them to open a claim so that my rent payment could get rectified and go to intended recipient. After weeks of calling back for status updates, they told me there was nothing they could do since I knowingly signed their T & Cs when joining the bill pay service - eventually informing me after roughly four weeks that the claim had been closed and there was nothing more they could do. My {$1100.00} - one half my monthly income - had evaporated. In my frustration, I decided to email the incorrect recipient ( being that I knew precisely what erroneous email I had accidentally used ), and explained to him in plain terms who I was and what had happened. This gentleman promptly informed me that he had immediately alerted his bank when he received unknown funds in the amount of my rent payment, and that his consumer bank of record - XXXX XXXX - swiftly removed the funds from his account. An innocent mistake ended up lining the pockets of either Chase Bank or XXXX XXXX, which is unfair and utterly infuriating.
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien # XXXX 3. Lien # XXXX.
A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
Capital One have restricted the use of my credit card because of the authorized users on my card. When I asked for further clarification on this, they stated that I have added too many authorized users on my account, therefore my account has been marked as having fraudulent activity! I do not understand, because I have only four people as authorized users on my card and I am allowed to add up to five people on my card. I have sent them all of the information that they requested on numerous occasions, yet they still have a restriction on my account!! Every time I call the fraud department, they either keep me on hold or hang up on me! I feel that I am being discriminated against because I am a divorced, XXXX mom with limited finances.
I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? 
I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.
None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.
I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested.  I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my  permission and marked it like I requested it.
In XX/XX/2016, Chrysler Capital repossessed our vehicle. They said we needed to pay {$1900.00} to bring it current and get our vehicle back. We borrowed the money to get caught up and we are still paying on it. They said another payment would be due on the XXXX, but once we paid up, they would be able to put that payment at the end of the loan. We paid that amount on XX/XX/XXXX and got our vehicle back. Once they processed the money, they said they could n't do anything because the loan had defaulted. So we were back to being a month behind immediately. We started getting phone calls about the payment and for the next 9 months, we 'd get phone calls about being behind a month. We 'd set up a payment to be taken out and it would get paid. Last month, they said that they sent the account to repossession and the only way I could stop it was to set up XXXX payments. They accused me of being 3 months behind at this point. The first payment came out, but I stopped the second payment and told them I was disputing the amount I was behind on XX/XX/XXXX. She took my information. On XX/XX/XXXX, I received a message to call Chrysler Capital. I called back the next day. He asked when i was going to be able to pay. I told him that I had filed a dispute about that amount. He told me that they determined I was wrong and the amount was right. I told him I needed to talk to someone about that because my records indicate something different. I received a message from a woman at Chrysler Capital late on XX/XX/XXXX but could n't return the call. Early on XX/XX/XXXX, the same woman called back and left a message. I could not make out her name either time. I was busy and could n't return the call right away. I was planning on calling back in a little while. Instead, 5 minutes later, I get a call from my XXXX mother that this woman left a message for her, looking for me. My mother was very upset. There was no need to call her since I had just spoken to them 5 days earlier. And she had JUST left a message for me to call back and did n't give me a chance to return her call.
My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons  investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In  general. Subject to subsection XXXX f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I have a mortgage with Nationstar Mortgage and my mortgage payment includes an amount for my homeowners insurance. Nationstar has failed to make the insurance payment again this year and my policy has been cancelled again. This is the third year in a row this has happened and each time it happens the insurance company raises my insurance premium for the next year. I 'm stuck paying higher insurance premiums every year because they will not pay the premiums on time.
On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.
Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to XXXX. A telephone conversation with a XXXX representative indicated that my XXXX account balance this morning is {$0.00}.
I called XXXX XXXX for plumbing service on or about mid XXXX. XXXX XXXX came out said he could not do the work under my leaking kitchen sink because his work required some electrical work before he could proceed. He makes a phone call and an electrician sales and service guy appears telling me I had major problems in my panel box ;, geckos, gecko urine and that sent a surge and caused my electrical outlet under my kitchen sink to short out. I needed a new panel box and a surge protector. I am XXXX years old and all I could think about was animals, urine, wet, electrical, not good. He arranged for my electricity to be turned off, the electrical guy came out to replace my panel box. He said there were No geckos, no urine, and wanted to know why I was having that work done. I contacted XXXX XXXX to tell them the salesman sold me an electrical panel and a surge protector on a lie and I wanted it back to the way I had it before. They sent out a manager about two weeks later to, what he said, gather information. A lady by the name of XXXX called a few days later to tell me that they could remove the surge protector but they could not remove the panel or I would not have electricity. and wanted to know how much I thought I should pay for the panel since they could not remove it. I said nothing since it was sold to me on a lie. Long pause. Then I asked, well how much do you think I should pay for it and she said she would have to see and get back to me. They have not removed the surge protector. I have called several times and have talked to XXXX, XXXX, XXXX and XXXX and nobody returns my calls to let me know whats going on. 
In the meantime I chose to finance, interest free for 18mos. I got no written paper work, no idea who was going to do the financing. Soon after I get bill from a GreenSky Program Loan Account for a balance of {$5600.00}, interest rate 24.99 %. I sent them an email to tell them its in dispute but they are sending me letters saying if I dont pay they will turn me in and report me to the credit bureau. I have very good credit and do not want that but at this point I do not know what to do. If XXXX XXXX would answer my calls I would pay them for the work that I did need. I do not want to deal with GreenSky, they are about to ruin my credit.
I have an account on my credit report for AD Astra Recovery but I don't remember ever having an account with this company nor the original creditor, XXXX XXXX. 

I want the company, AD Astra Recovery to produce me a copy of my original contract with them and XXXX XXXX, proving this account actually does belong to me. 

They need to produce me a copy or remove this account from my credit report and stop all collections.
I keep getting calls from Wells Fargo on a mortgage that exists with a person I do not know. Wells Fargo has been told about this and still calls.
I have had multiple issue 's with Nationstar Mortgage. My new and most current issue is my credit report. I sold my house almost 4 months ago. XXXX XXXX 2015. I recently applied for credit for my next home, only to find my credit report shows the whole outstanding balance from my previous home. They never updated/turned that information in. This has brought on additional headaches.
This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.
Synchrony Bank put a fraudulent credit inquire on my credit bureau. This is not mine. I did not inquire about credit with them
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
I am complaining against Experian for reporting negative information on my credit report, when they have all the necessary information between XXXX XXXX XXXX XXXX credit card accounts no owned by their debt buyers, XXXX XXXX and the XXXX XXXX XXXX XXXX to aid and assist them in collection activities - when they know what happened ... cut-off procedures increased the revenue XXXX debt buyers and increased my liabilities in the process. The debt buyers have no signed agreement from me and also have no documents. Experian tries to get me to submit my documents, when they stand to profit from a bogus and biased collection, with a conflict of interest.
My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.
I have been a federal employee since XXXX XXXX. According to student loan forgiveness programs, such as Public Service Loan Forgiveness, I should have had my loan paid off after 120 payments as a federal employee ( which would be XXXX XXXX ). However, according to Navient they told me my loan type did not qualify and that if I did convert to an income based loan that my payment would go up and I would be paying even more every month and the 120 payments would start from the beginning. I graduated from college in XXXX of XXXX and my balance is higher than it was when I graduated?
I am having trouble paying off a debt I incurred with the original credtor pay pal credit. They then transferred the debt to XXXX on XXXX XXXX of 2014. I called XXXX and they said they sent it back top pay pal. I owe over XXXX dollars I want to pay my debt but I cant find it Its in limbo. Neither company will trace the debt and help me I have called multiple times
Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.