WillisBack/dataset-financial-user-claim huggingface dataset:
The company is asking me to pay an account established at XXXX. At first the account stated being established XX/XX/XXXX, then once I spoke to them, it was rereported as XX/XX/XXXX in Florida. I live in XXXX Ga, and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are attempting to re-age this account and purposefully misrepresenting information, either way its being done to harm my name and reputation.
I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, XXXX, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. XXXX then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
I opened my account with PNC bank on XX/XX/XXXX and funded it with XXXX dollars. I never received a debit card. 

I called on XX/XX/XXXX and was told the only way to access my account was to have another debit card sent to me for a charge of {$7.00}, even though I never got a card. 

I then tired to close my account and was told it would cost {$25.00}. 

This is insane. They want me to pay them to access my own money.
On XX/XX/17, I spoke with XXXX id # XXXX to confirm if payment was received. He stated yes, so I asked why does it show my available credit is {$1100.00}, when payment was deducted electronically. He advised it was Subjective I asked why? He said there a 7 day hold to make sure they receive payment. I explained funds was deducted from my account and applied. He claimed it was notated on the statement but on the mobile account.
My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?
I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.
Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Valley National Bank is charging me a late fee of {$65.00} because I made the remaining balance of {$33.00} two days late, which was the balance for the annual escrow adjustment. Bank employee left a voice message on the XX/XX/XXXX without any details and never called back when I left a voice message trying to find out what the initial message was for. When I called back again he informed me that the {$33.00} balance was received but I now have a late fee to pay. I requested that the fee be waived or lowered since the fee is almost twice the amount of the {$33.00} balance. He was unwilling to help. 
I believe it is unfair for a bank to charge such a large late fee when the vast majority of the monthly balance was paid ( {$1900.00} old payment compared to {$2000.00} new payment with escrow adjustment ). The mortgage payment statement only stated that the " if payment is received after XX/XX/18, {$65.00} late fee will be charged ''. My payment of {$1900.00} was made on XX/XX/2018 and the {$33.00} was made sent from my bank on XX/XX/2018. It does not indicate that if the payment was not received in full that the late fee would apply. 
Overall, this is poor customer service. If I did not follow-up with the employee. I would be incurring additional late fees for not knowing the first one was incurred. I hope they review their banking practices and treat their customers more fairly.
Bank  of America, o n an  XXXX  rewards master card, has charged me fees and interest even when there is a credit balance on the card. Additionally, it failed to refund ov er a thousand dollars of the credit balance and it is difficult to impossible to reach a representative  on the toll free number that appears on the billing statement.  XXXX  could not be reached by pushing  XXXX  or through other reasonable means, thus requiring the caller to have his or her time wasted by a lot of rerecorded garbage. When I finally reached someone, he told he I would have to call someone else about this problem. So, in addition to messing up accounts, charging the customer for their  XXXX  ups and then compounding their own mistakes at increasing expense to the customer, the  XXXX  number published on their statements reach no one who can actually do anything to correct their mistakes.
In late XXXX XXXX I took out a home equity loan with Flagstar Bank. Among the papers I filled out was a request to have my payments automatically taken out of my bank account, and I provided a voided check. My first payment was due in XXXX and I made that manually. 

On XXXX XXXX I received a message from Flagstar saying it was urgent that I call them. Wondering if it was my loan, I looked online and saw that I had missed the XXXX and XXXX payments. I had no idea, I thought they were being auto-paid. I also had 2 late fees for {$35.00} each. 

I called Flagstar and they said that the auto-payment can take up to TWO MONTHS to go into effect. I was told that the loan officer should have warned me about that but " they do n't get trained right sometimes. '' At any rate, they said mine had NEVER gone into effect. I paid up my account and requested a reversal of the late fees. 

Today my credit monitoring alerted me that my credit score dropped 58 points! Flagstar has reported one missed payment. They 'll probably report the other one and my score will go down even lower! 

I have put in a request at Flagstar for them to REVERSE the reports of missed payments with the credit bureaus. I had great credit, I pride myself in not being late! 

1. My loan officer should have told me to continue making manual payments and monitoring my account until I 'm sure auto-pay has been implemented. 

2. Flagstar should have alerted me long before XXXX XXXX that I had missed two payments.
I have a medical bill turned over to this company twice by the same hospital. The first time I received a forwarded letter from an old address that they had taken me to court and were going to garnish my wages. Not to mention the fact that the only reason I owed this debt is because the hospital did not file the claim in a timely manner with the correct insurance company. I tried to explain this but was told that I had to pay it anyway. I set up payment arrangements, updated all of my information. 
Just recently I received another forwarded letter that I had missed a court date and they were going to garnish my wages. Keep in mind that this company has all of my updated information. The hospital does as well. Yet it was still sent to an address that I have not lived at in more than 18 months. Once again the hospital did not file the claim in a timely manner with the correct insurance company. So now I've missed 2 court dates that I had no clue about and my wages are in the process of being garnished. Mendelson informed me that there was nothing I could do but pay the claims. I do not think this is fair or correct. Especially when this company was very well aware of where I live, my phone number, and where I work. Of course, they didn't have a problem filing garnishment with my employer. Yet didn't feel the need to update my information so that I could show up to a court date and dispute my case. I do have letters from my primary and secondary insurance companies showing that I had insurance and that nothing was filed on the dates that I am being garnished for.
On XX/XX/XXXX I opened 3 accounts with Apple bank for their promotional rate, by the time I got home I had changed my mind regarding the CD and ask if it can be reverse, the branch was very helpful and efficient however they ask me to come in the next day to further discuss and I was then told that I couldn't close the account including a money market liquid funds savings account because according to them it takes 3 weeks to clear official bank checks and that my check wouldn't be clear until between XX/XX/XXXX and XX/XX/XXXX. which in my opinion is a violation of the federal regulation CC. After explaining this to customer service and having done several phone calls I was allowed to close the Savings account on XX/XX/XXXX but it was such a hassle to close it, gave me all kind of excuses and restrictions as in why I couldn't or should not close it. However, no one ever send me any notice of any extended holds being placed on these checks nor did they ever told me that in person when i opened the account that for 3 weeks my deposit were not earning any interest because the bank decided to put a 3 week hold. I made several attempt to fix this issue with the bank and after several calls to their call center nothing was resolve. I never got a response and was kept waiting for a resolution until XX/XX/XXXX from one of their District executive and even in that phone call i was told that there was nothing they could do for me, there was a very condescending tone. My initial request as a consumer that had a relationship of over $ 750K with Apple bank was to reverse the account on the same day that it was open and when i walked into the branch the next day I was told that i needed to pay {$2000.00} to close it as penalty fee. very unacceptable and unfair to consumers, I still have a relationship of over $ 500K with the bank and don't agree with the fact that within hrs of taking my deposit the account opening couldn't be reverse. 

I thought we could had resolve this issue directly with the bank my intention was never to make this claim, i wanted to handle this very diplomatic taking into consideration that out of the 3 accounts i was willing to keep the largest account with the bank. I was requesting the closure of the smallest account but now that i had to go to such measurements, i think i want to end the entire relationship. As a consumer I understand there is penalties when you close CD accounts before maturity date but in my case i reached out to the bank within the same business day of account opening stating that i had change my mind about locking up the funds and wanted to be reverse and was told that if that's what i wanted i needed to pay {$2000.00}. Same business days, within hours of account opening. 

One of the excuses that was given to me was that the check didn't clear and the bank had not collect the funds from the other bank, however they were willing to charge me {$2000.00} for uncollected funds anyways.
I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.
Company called saying that I owe them for an alleged XXXX bill. The woman on the phone threatened that this would go into collections and that they 'd garnish my checks. 

I do not know Diversified Consultants, I have never agreed to do business with them, and they are not mentioned on any contract I have signed with anyone. 

I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.
I have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.
A charge of XXXX Not For an XXXX is reflecting inside of my background and it shows XXXX next to this offense. This charge was dismissed and should not reflect inside of my background.
Professional Finance Company calls my home and cel phone on a regular basis. They have XXXX accounts for me regarding medical bills that never should have been submitted to them in the first place. They will not provide a billing statement regarding these debts. I 've asked multiple times for them to send me a statement and they said they do not do that. They want a credit card on file so they can charge it on a monthly basis. I want a billing statement, I 've asked repeatedly, and they refuse to provide one. Until they do, I will not pay them a penny.
They charged us home insurance while we pay and have own home insurance had fire we should get ins back we paid for it
I have two hard inquiries that I have never given permission for, my account was involved with identity theft. I had that resolved from my bank, then I found these two under credit karma. 
XX/XX/2017 : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the number is not available XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX the number is not available
I have had a vehicle lease with Ally Financial since XX/XX/XXXX. I have been manipulated more times that I like to admit with this company and the paper trail I have is Astronomical. The start of the problem occurred back in XX/XX/XXXX of last year when I had fraudulent charges on my account that caused a check payment made on my behalf to be reversed. I however, was not made aware of this stop payment nor does it show record on my Banking account or with proof provided by Ally. But that did n't stop Ally from charging me a Late fee for over a year. I will include a Payment summary that I had Ally fax me as you can see that even on this sheet the accounting is off, and there is no proof or significance of a late fee accruing or charged. Part of my biggest compliant here is that I have NEVER received paper billing nor did I opt out of such, so I have been forced to used a mobile app to make monthly payments, and even that does not show late fees or notices. I have not gotten a call until this month ( XX/XX/XXXX ) letting me know that I have over {$220.00} worth of late fees to be exact, and they tried to smooth things over by telling me that they wo n't accrue interest and they can be paid anytime. I 'm sorry but I 'm still getting a {$30.00} late fee per month until they are caught up, and come to find out they have been dinging my CREDIT as well! I 'm outraged at how violated I feel in all of this, and at the hands of a company with XXXX customer service. I have made a phone log of how many times I have called their office only to be transferred at a minimum of XXXX times, and then when told my fees would be waived by speaking to someone in esculation and I was of course then disconnected! My most recent phone call was a total of XXXX hours and XXXX minutes. The only time I was able to get somewhere with a representative is when I finally got someone who spoke no broken XXXX and she also agreed that she showed no calls or reason why I would n't be receiving paper statements and that I also based on her billing summary I was paid up to date with a credit of {$11.00} on loan payments, regardless of late fees. She also promised that I would receive a call back within XXXX hours in regards to the paper statement issue and I still have yet to hear from them and that was on XX/XX/XXXX I feel like I am getting no where very fast with this issue and I need help in resolving this matter. I am very aware that I am not the first and I 'm sure I wont be the last they take advantage of. I would sooner have another bank take over this loan, but the damage they have done to my XXXX in just a year has n't helped me, and I feel very stuck! Therefore, If I ca n't get this resolved at this level I will seek Legal Council regarding possible UDAAP violations at consumerfinance.gov.
Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX WELLS FARGO DEALER SERVICE XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XX/XX/2018 XXXX debit my saving account {$99.00} they than debit my account again {$25.00} dollars on XX/XX/2018. I called them to let them know that they debit my account and they advise that they dont show my saving account only my checking account. I called them 5 times on 5 different days and they told me to dispute the charges because they didnt see the charges on my account. I called Citi bank and file a dispute. 4 days later I called because they still havent credit me the funds they told me I had to wait until XX/XX/XXXX to get my funds back. I spoke with XXXX employee number XXXX and she was the worse customer service associate Ive ever spoken with, she pretty much told me that they dont care how bad i need my money i have to wait 2 weeks to get my money back, she told me to call the merchant back again. I am so frustrated with Citi bank why does it have to take so long for you to give me my money, I work hard to earn. Ive never been treated as bad as today. I really do hope I get a survey on XXXX employee number XXXX. I want my money back!!!
took a {$1500.00} loan from XXXX loan and after I continuously paid them they still say owed them almost {$1900.00} regardless of the fact that I paid them {$340.00} ( {$3400.00} total ) since XXXX 2015. This is beyond usury and I need my title back. I paid more then twice what I owed them.
Midwest Recovery Systems just showed up on my credit report as a collection. I have never heard of this people, don't know who they are and they have never contacted me. Please remove from my credit reports.
We bought our home in 2016 and financed with Nations Lending. On average we get about 2-3 letters a week from our mortgage company threatening us with foreclosure. 
Our mortgage payments are automatically deducted from my husband 's account. He is paid bi-weekly and may or may not have the entire payment in his account on the XXXX of the month, but always has it shortly there after. Basically, the mortgage payment is always made within 10 days of it being due. However, the letters keep coming. The mortgage company also sends someone to our home once a month to " survey our property ''. They always leave notes on the door that they have been there. We are never home because they come during the day while we are at work. 
This will be the 3rd home that I have purchased and I have never been treated this way by a mortgage company. 
The constant letters have caused problems between my husband and I. Whey they first began, I assumed he wasn't making our house payments. That created trust issues between us. Once I called the mortgage company and questioned them about this practice, I realized what they were doing. They were completely unapologetic and refused to refrain from sending the threatening letters to our home. Some times they even send them certified mail. I would go as far to say that what they are doing is harassment. To come onto my property and invade my privacy on a monthly basis should be illegal. What if I was in my backyard sun bathing in the XXXX by our pool? They should not be allowed to come onto our property without permission. And they should NOT be permitted to continue harassing us with threatening letters. I could understand if were several months behind on our mortgage, but we are never behind more than 10-15 days. I have tried to work this out with the mortgage company, but they refuse. They even tried to insinuate that we needed assistance paying our mortgage payments and suggested we apply for help. I no longer trust them and I don't believe anything that they tell me. The complaints against this company online are numerous. Apparently they do this to a lot of people. It should not be allowed.
I purchase a XXXX  XXXX XXXX and financed it through Wells Fargo dealer services. The purchase price of the car was {$15000.00}, by the end of the sale the total of the loan was for {$20000.00}. Now I'm not certain but that is alot of money for taxes and tags. I only had the car for a year before it got repossessed since I couldn't make the payments of {$410.00} a month. Recently I purchased another car for {$13000.00} and my loan total is {$15000.00} and this is not through Wells Fargo. I'm pretty sure they over charged me for the taxes and finance fees. I've heard that they got sued for this recently too.