WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/2018, XXXX  has failed to post and credit my automatic payments and any other payments to my account even though they debit the money from my bank the every next day. Ive called several times to get this corrected but that hasnt happened. 

In late XX/XX/2018, I noticed that my payment was not credited after over a week and called XXXX. The employee told me my payment would be on hold for another 7 days and that he would not credit my payment sooner unless he called my bank with me on the line proved I actually made the payment. He asked me for my bank info and joined the calls. I became suspicious because after he yelled at me for hitting the button to bypass the prompts to speak with someone, and said I should have let him hear how much money I have. On this same call I asked him why he didnt answer when I asked him if he needed to verify anything else while on the call with my bank and he told me he didnt answer me because it was illegal for him to have done what he just did. 

Each time I called back the CSR has told me they want my bank info so they can call my bank and listen to prove the check actually was paid by my bank. I repeatedly told them I already know my payments clear the next day after theyre paid and that we both already have proof of it. I also asked why they were doing this and was told they dont know and that it might be a system glitch. 

The most recent CSR put me on hold for very long periods and while holding I read my credit card agreement. When she got back on the line I told her I see they are in breach because it states they are to credit payments the same day as long as its made by XXXX, or the next day, if its made after XXXX, then she asked me to hold again hung up on me. I called right back and they next CSR apologized and said she noted the inappropriate behavior of the prior agent and would help me, while she was talking someone hung up the phone again. Ive called back several times and each time someone disconnects the call. 

Ive attached a screenshot of the XX/XX/XXXX additional payment I made on top of my automatic payment and as of today, XX/XX/18, it still has not been credited to my account ( do not post this attachment publicly ). Thank you.
XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix this.
My main complaint here is that the branch manager of onemain financial in XXXX   ohio, shared my personal account information ( loan balance, late payment status, payment history ) with someone who is NOT on my account, and not related. 

Sharing this information has caused a tremendous amount of issues in my life. 

The reason this happened was because I had used someones bank account to make a payment ONE TIME ( supposed to be one time ). I made payments in the future and those payments came out of that persons bank account again. They contacted the bank severeal times, local branch, main customer service, etc. in attempt to resolve the issue and get their money back. I did not have the money to pay them back. OneMain financial refused to give the money back, said there is nothing they can do, even though they know it was debited from the wrong account, an account that they should have never even saved the payment info as it was very clear during the original call that this was a one time payment. The advice from the bank was for that person to file a dispute with their bank if they need to ... so that is what was done. A dispute was filed with his bank. 

In the mean time, he had filed a complaint with the XXXX as well. XXXX contacted him immediately and then someone from the bank did shortly after. They mailed him a check which he cashed promptly to get his money back. 

Shortly after the dispute was still open, his bank gave him the money back and the dispute was closed in his favor ... 

One main now is trying to hold me responsible for the {$400.00} that they technically gave to them. However, if they would have given back the $ in the first place instead of insisting that they can not, and that they need to dispute it, that would not have happened. 

So that is one issue but not related to privacy, this is more of my complaint. He called in to speak to onemain financial because they reached out about the extra payment. He informed them that he is not returning the money, that he was so inconvenienced by all of the time spent dealing with this, having to go to his bank to dispute, etc. and that it's not his fault that the bank won the dispute and gave him the money back.. and I agree, if they would have refunded HIS money that was wrongfully taken from his account in the first place, that would not have happened. However during that call, the branch manager, XXXX, had shared information with him that he had no right to do so. He informed him of recent payment history, the account status and balance information. That private, sensitive information that should not have been shared to anyone without my consent. 

With that said, that issue has put an end to a 6 year relationship, I am now in the process of searching for somewhere to live because of that, etc and has turned my life upside down because he shared private information that I do believe is technically illegal to even do so. 

And on top of that the bank is threatening to add {$400.00} to my balance if I do not pay it back, and i do not have an extra {$400.00} to give them because of their mistake.
Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.
I feel am being over charged. I had made payment arrangements to the lender. I refinance your loan at higher interest rates than the original request. In efforts to payoff the loan. I keep receiving emails that I am behind. but every two weeks a payment has been drafted from my account. After I make payment I get a collection letter stating no payment was made. Calling this agency the representives are rude, they hang up or curse at you.
I purchased an auto insurance policy from XXXX for XXXX and XXXX per month payment for a 6 month policy.They deducted XXXX plus an additional XXXX. The XXXX was not authorized neither did I know that amount was due to purchase the policy. This occurred on XX/XX/2018. My Bank is TD Bank.At this time I am unable to maintain my other financial obligations.
The account with XXXX XXXX XXXX  account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with XXXX and Equifax. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was 34 payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.
I have a mortgage with Wells Fargo. I became late with 3 payments due to lack of employment. I had consistent employment up to XXXX XXXX. I was paying my montly mortgage payments. I called to see if I could qualify for a payment plan and filled out the financial paperwork. This was in XXXX XXXX. I had gotten a temporary job for {$18.00} an hour on XXXX XXXX, XXXX. I also have a part-time job I work 10 hours a week. I sent them the paperwork and they denied a payback plan to me. Which is putting the amount I owe onto the end of my payments. I had a loan modification last spring ( not sure on exact date ), so I do n't qualify for that. I knew that going into this, so I asked for a payback plan. So the same day they called to tell me I was denied, I got a new position with the job I am at in a different department making {$25.00} an hour. I have to work to the end of the contract until they can hire me fulltime, so I appealed their decision and sent in more paperwork and they denied me on XXXX XXXX, XXXX. Meanwhile I ca n't make any payments and the amount I owe is growing to {$7000.00} and I am getting frustrated and angry with how I am being treated. So when she called to tell me I was denied, she told me I was denied for a loan modification. I told her I was not applying for a loan modification. The preservation specialist knew what I was applying for. I do n't understand how they got their lines crossed, but again they do it to me. I am very proactive in my life and also was with finding work and communicating with Wells Fargo, but they are not good at talking back to me. Confused!!!!! Please help?????
My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called XXXX XXXX XXXX who supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from 2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX collect on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in 2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr old fraudulent debt. The law firm of Fein, Such , Kahn & Shepard is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!
I have attempted to contact Experian by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid for GI Bill benefits. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Experian, and they both appear as consumer credit entries on my Experian credit report, despite not being consumer credit accounts. I believe that Experian has violated the terms of the XXXX 2015 consumer credit agreement with the Attorney General of the State of Alabama that Experian signed in XXXX 2015 which stated they would not post non-consumer credit accounts into credit reports. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report. Paragraph 3C of the 31 state agreement states The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). The VA overpayment accounts were not consumer contracts or agreements and should not be posted into my credit report.
The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.
Chase made a decision to close my account abruptly without notifying me. There has been no history of overdraft nor balance in the red
XXXX XXXX XXXX is reporting a inaccurate account for {$1000.00} which isn't my account it's reporting on Equifiax it must be deleted enclosed here is a copy of a police report that hasn't proven this is fraud.
Hello, I purchased a XXXX XXXX card on XX/XX/XXXX with an initial load amount of {$110.00}. When I called in to activate the prepaid card so I could pay the bill I bought the card for, XXXX told me that they couldnt activate the card because of some account with Netspend. I do not have an account with Netspend and didnt understand why they would be telling me to call them to get a refund of my funds. They told me that XXXX prepaid is owned by Netspend. So I called Netspend and they said yes that they could not activate my card and that I would have to call XXXX to get my refund. So I call XXXX back and after getting a Manager and on the phone for at least two hours, the manager says that they cant activate it. Well I wanted to just get to the refund already, as this was ridiculous. I purchased a prepaid card with my money to pay my utility bill and they would not let me access the funds that I had purchased the card with! The manager told me that they would mail me a check in the mail and it would take 7 to 10 business days. Im very upset about this to say the least! 
Today the check still has not arrived and I just got off the phone with XXXX. The representative advised me that the check had not been released yet and, not to worry he would get it released today. He then tells me again that it would take 7 to 10 business days. I cant wait that long! I have been without utilities and I have children! I ask him if he can exepedite the check to me and he says no. I ask for a manager and when he transfers me, I just am on hold forever and then it disconnects. I never got to a manger and Im not even sure if my check got released. THIS IS AN OUTRAGE! VIOLATION OF AN ACCOUNT HOLDERS RIGHTS! I DONT HAVE ACCESS TO MY MONEY AND THEY JUST DONT DO THEIR JOB WHICH IS A TERRIBLE SOLUTION ANYWAY!
I have 20 unauthorized inquires on my XXXX, XXXX and TransUnion credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but XXXX and TransUnion failed to respond or take action about the complaint.
On XX/XX/2018 I had two charges for a " Bronze Package '' maintenance from XXXX XXXX XXXX, XXXX.The first charge of {$240.00} was for the " Spring '' check and repair of a leaking air conditioner, and I was told the second charge of {$270.00} was pre-payment for the fall or winter check. I also paid and additional {$200.00} on XX/XX/2018 for addition of " XXXX '' refrigerant to the air conditioning unit. On XX/XX/2018 the same air conditioning unit began to leak again. I called XXXX XXXX XXXX XXXX. and requested immediate action due to this recurrent issue. A technician came and repaired the unit again and attempted to charge me. I informed him I would not pay for this same issue and that I had purchased a " Bronze Package '' and showed him my invoice. He saw my invoice, agreed with me and said he would " take care of it '' and left without payment.

The next day I saw a charge on my Chase Freedom credit card for {$310.00} that I did not authorize nor provide a signature for. I called Chase to inform them of this unauthorized charge as it was still " pending '' the representative advised me to wait as the charge might reverse. I informed the representative that I did not authorize the charge and that I had never authorized the company to retain my credit card information.

The charge did not reverse and I was charged {$310.00} as above. I called Chase and the representative made a conference call with XXXX XXXX. The XXXX XXXX " office manager '' stated I did not purchase a service package and did not provide any explanation of the two charges on XX/XX/2018. She further refused to send an itemize invoice despite the fact that I was charged for " refrigerant '' on the XX/XX/18 invoice and was not informed about any need for refrigerant as I had spent {$200.00} on " XXXX '' refrigerant above. She then hung up the phone on the representative and myself. The Chase representative did not make any further attempts to assist or explain and stated the charges would stand.

I subsequently made multiple calls to Chase regarding this issue and spoke to " manager '' level representatives who told me that a company can keep my credit card information without my consent and charge me and that Chase does not prevent this type of information theft. Finally I spoke to a Chase representative who agreed the charge should not have occurred. Per her request I sent additional information on XX/XX/2018 including the two invoices of which the XX/XX/18 invoice had someone else 's signature and the XX/XX/18 invoice that had no signature.

Within a few days was told the charges still stand without explanation of any additional " review '' that was performed.
Tuesday, XX/XX/2016 To whom it may concern ; After I refinanced my house under HAMP, my property taxes were impounded by the mortgage company despite my low loan to value ratio. After 6 years of good payment history on my part, the lender informed me that THEY had not been collecting enough to cover my taxes. During this time of " under paid '' taxes I had sent a minimum of double what they told me were my mortgage payment obligations. Now that they have discovered their mistake they have told me that they will be tripling my payment to collect the difference. Their mistake is putting me in jeopardy of losing my house! I have tried to work out this issue with the lender, but they refuse to re-amortize my loan, and are demanding the tax deficit be repaid over 6 months, putting me in this difficult position. What makes this situation truly outrageous is that I sent more than enough money to cover my mortgage and taxes during the time in question, but because of their mistake they did not allocate enough money for my taxes. When I paid the taxes myself I did not have this issue, but now, thanks to their " help '' I am faced with a mortgage that will be difficult for me to pay. If they were trying to steal my house they could not have come up with a more effective scheme. 
Please help. I have spent the last 6 months ( XX/XX/2016-XX/XX/2016 ) trying to resolve this issue myself with no results. 

mortgage info below : Ditech ( XXXX Ditech Company )
The SUV loan that I am paying  for via Drive Time/   XXXX   XXXX  is Ridiculous. I purchased a   XXXX    XXXX   XXXX  from this company and the truck has driven well for a ll of 2-3 mo nths. I have had it since  XXXX . The over loan for the car is  XXXX  and the car will not last they length of the loan. It stops in the middle of traffic and the return policy ends after 5 days. None of their approve repair shops have fixed the many issues this SUV began to have after thi s 2-3 period. I a m in the midst of addressing once again the repair issues and the representative has been accommodating. But I  know and they ( Drive Time ) kn ows that this car was a severely used care lemon and the car report card that I was given at the time of purchase was false.
Transaction date XXXX amount {$120.00} I purchased tickets that I never received I disputed with my bank Chase that gave ne provisional credit at the time of complaint XXXX and now XXXX I receive s letter stating my account is going to be charged back {$120.00} This is unfair to me as a customer of the bank which is my money that is being taken from me on fraudulent charges at this point now. I paid for a service that I never received.
Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks
I was first contacted on XX/XX/XXXX by phone from ARA,  XXXX XXXX XXXX, XXXX XXXX, Collection Manager. XXXX. He stated that I owed {$26000.00} currently. It had started as a credit card debt but could not tell me what card or bank the debt had originated with. He said that the last payment on record from me was XXXX and the debt at that time was {$9500.00}. 

XXXX said that they tried to mail me letters at an old address that was my father 's old business. At the time of this call I had not received anything at my home of 11 years. XXXX was able to list my Social Security number, address, phone number and current credit cards and said that they are now pursuing me because I now have good credit and they can go after me now that I have a house and credit cards. They offered me a settlement of {$4200.00}, broken down into 3 payments with a down payment of {$420.00}. 
When I said I don't have that kind of money and my kids are on free and reduced lunch at school, government health care and my wife doesn't work he placed me on hold and went to his " clients and manager '' and offered me option # 2- {$3500.00} in 2 payments or option # 3- {$2900.00} one lump sum. {$290.00} down on XX/XX/XXXX and {$2600.00} by XX/XX/XXXX. He said if I refused to pay that I was in big trouble and they would have to take legal action. I was scared they would hurt my credit or my wife 's if I did not agree to pay them something that I knew I could not afford. He told me to put it on my Debit card so I agreed knowing I did not have the money. I cancelled my card that night. He called my work on XX/XX/XXXX and my Father on XX/XX/XXXX in addition to repeated calls to my cell phone. All messages I kept and have recordings of the threats.