WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is against Capital One. I have a GM Card. Upon logging online into my existing GM XXXX Card, I was notified that I would have to go through a reenrollement process because Capital One has a new platform for servicing the card. I attempted to go through the process, and while the system recognized me ( it demands an existing customers social security number in order to do this process! ) it did not recognize my password.
After waiting thirty minutes online with a XXXX XXXX customer service rep, she indicated that she did not know what to do, and would have to transfer me to technical person. Another ten minutes and I reach technical support, who also can not figure it out. Twenty minutes later and multiple failed efforts, we esablish a new password and the system appears to log me in, but no data loaded. We are now past an hour, and my technical service person is stumped. So, he places me on hold for ten minutes while he asks his technical person, who tells him, " oh yeah, we are loading the data in waves and it may be three or four days before it loads. '' So, my complaint : 1. Capital One has a failed system for transitioning its customers from one platform to the next. It has not loaded the password data in its system to verify enrollment ( I had to create a new password ). Nonetheless, it is forcing its customer to begin the transfer process, when it should know that it will fail and the old system is unavailable.
2. Capital One demands my Social Security Number in order to proceed with the transfer onto its new system. Not information I want to share online.
3. At every step of the way, Capital One staff are in the dark, unaware of the system 's glitches, including the fact that even when a customer is successful, the data has not loaded, so it appear to the customer to have failed.
4. No information or explanation is provided to the customer about any of the above problems. Indeed, Capital One 's own CSRs are in the dark.
5. After waiting 90 minutes I reached a supervisor, who was aware of all these systemic failures, including lack of password data to enable customers to complete its own process, the fact that no data will be present for days, and most importantly that none of the system shortcomings are communicated in advance to customers or customer service staff so that a customer does not waste over 90 minutes trying to go through its process. The supervisor was not impressed.
So, a terrible experience using the system Capital One requires me to use, when it knows that due to the lack of underlying data it will fail on the front end ( no password data ) and fail on the back end ( still loading customer data ) and it communicates none of this online.
This truly is the XXXX of credit card companies. Incompetent at best.
Multiple Bank of America accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my BOA account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
I checked with XXXX XXXX website. I have an account with them. i determined XXXX has my negative credit rate. I never have XXXX. I am hard of hearing cant have phones. I tried to depute with XXXX. XXXX requested me an account number for XXXX to access fixing the dispute problem on website page. I dont have XXXX account. I stuck with this item. I expected to report with XXXX about fraudulent XXXX. XXXX did nothing to help they are just a phantom. I stuck with XXXX that i never have this account.
I filed a dispute with you all back on XXXX/XXXX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the XXXX round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Now XXXX
Date : XX/XX/2018 Amount : XXXX US dollars On XX/XX/2018, I took my money, XXXX US dollars, to this Chase bank locate at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX. I put the money into the tube at the drive thur only wriiten down the amount on the envelope which hold all the XXXX US dollars. At a moment later I got back the tube and the receipt shown only XXXX US dollars has been deposited. I questioned the teller and he hand me a sticky note with how many of each dollar notes I gave them. As far as I know I got XXXX XXXX dollars notes, XXXX XXXX dollars notes, XXXX XXXX dollars note and XXXX XXXX dollars notes in the envelop. But on the sticky note it only showns I have XXXX XXXX dollars notes deposited. I triple check with the person who hand me the money and he was sure there is XXXX XXXX dollars notes. The teller and the manager did 2 balancing and they told me it only has XXXX cents off. I suspect the teller may had hold on to the cash and I demand watching the XXXX. The manager told me he doesn't know how can I access the footage.
USBANK charges me XXXX dollar " minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of XXXX includes a XXXX dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a XXXX dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.
I purchased a XXXX fit at bud email XXXX in XXXX pa on XX/XX/2018. I have a credit score of XXXX. I financed {$9100.00}. I was told that I qualified for a loan with an interest rate of 5.69 %. The business manager ( XXXX ) completed my loan paperwork using my incorrect address. He said that since he had to complete the loan paperwork again, he would increase the amount financed to {$10000.00} because I would be eligible for a lower interest rate if I financed {$10000.00} or more. He completed the lian paperwork and it didn't have any modifications to the original financing amount. I asked him why he didn't adjust the loan so I would qualify for a lower interest rate? He stated that it was only reduced by .25 %, which he stated didn't make much difference. I believe that with my credit score, I would easily qualify for a much better rate. Now, two weeks later, I contacted Huntington Bank to pay off the two week old loan and was told that i owe {$160.00} interest, so my pay off increased to {$9300.00}!!! How can the bank require me to pay {$160.00} for 12 days of financing? I am a female who is being discriminated!
I GOT A LOAN FROM XXXX XXXX AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON EXPERIAN AND 4-9 ON XXXX.
On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. 
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. 
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.
Here is what happened with Guaranteed Rate was dissatisfying. Here are the reasons : 1. The main reason I went with Guaranteed Rate was due rate. I was offerred 3.375 % on XXXX ARM loan, where in I had signed the paper work. A week before closing, I m told from Guaranteed Rate that I need to have 12 months reserve! Guaranteed Rate personnel - XXXX XXXX ( VP ) & XXXX XXXX ( Guaranteed Rate ) very well knew my financial position & per them, they OVERLOOKED the reserves! How can someone be so careless? All they wanted was to BAIT me to go for 30-yr fixed at 4.125 %! 
2. After changing the loan program to 30-yr fixed, I was told I would get {$3000.00} as lender credit, which showed up in GFE on XXXX XXXX 2015 in Buyer 's statement. On the closing day, XXXX XXXX 2015, the credit vanished!! Upon asking, Guranteed Rate, came back saying they are not making any money & was taken off 3. From no where, on the day of closing, I was asked to show {$5000.00} as gift as Guaranteed rate " thought '' I was short by looking at previous statements & NOT the current statement
Hello, I purchased my condo with a US Bank loan back in XX/XX/XXXX. I refinanced my loan through them earlier this yr. because my current financial situation is n't very good. The bank performed VERY poorly & caused me PLENTY of distress. 
I spoke with Mortgage Loan Processor XXXX XXXX the week of XX/XX/XXXX & our conversation was recorded by US Bank. She told me my line of credit would need to be frozen to go through with the loan so I said OK & asked when will the line be frozen, she said after the loan is completed. 
I attempted to draw on the line XX/XX/XXXX ( via check # XXXX ) & it did n't go through because the line had already been frozen. I discovered this on Mon., XXXX XXXX & my Refi. loan HAD NOT been completed yet. As I needed the $ $ to cover withdraws from my checking account I immediately envisioned checks not clearing, insufficient funds to cover my mortgage, my refi. not going through & my credit rating going down the toilet. ( I 've been very careful & prudent for many yrs. to keep my FICO score very high. ) As of today, XXXX XXXX, the bank has chosen to largely be silent about my troubles even though they know they 're guilty. 
Thank you, XXXX
National Credit systems contacted me for a debt in XXXX. I disputed the amount and what it was for and was provided little information or how the charges were brought about or were they actually done. I did research and questioned the validity of the debt and the collector which has been pretty shady. I paid them in XXXX of XXXX so i could continue to rent apartments which I have done so for three years. They closed the account on my account in XXXX XXXX, just to reopen it in XXXX to say that I owe it. They refuse to provide the paid letter and any information on the debt, so I can take it the legal route. I lost the paper they originally sent to my apartment in XXXX I do have my bank statements showing that I paid them in XXXX XXXX and I will gladly show them but they refuse to accept them.
In 2003 Washington Mutual gave my elderly XXXX mom with no job a home equity line of credit of {$50000.00}. At the time she was receiving a monthly gift from my dad who was paying her alimony up until I was XXXX me being the last child. I am XXXX now. He was under no contract to pay her lifetime alimony. And she had an income of less than {$500.00} social security. She racked up up bill of more than {$14000.00} before I started paying her bills for her and figured out what happened. Nowadays no one would ever give an elderly XXXX person with no job a big loan. I don't believe she should have ever been given this money to use.
They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error
In XX/XX/2018, my mortgage went up {$200.00} so I asked Conns If I could do something to make my payments lower. At first they said yes and then a couple of days later said no. This happened twice so to remedy the situation temporarily they gave me an extention for 2 months. Now that the extention is up, they are calling me every hour on both my landline and then my cell phone back to back. I can no longer afford {$150.00} a month payments - I was offered {$89.00} payments and then it was changed. I need to find out why.
I filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. They are reporting an outstanding amount owed to XXXX XXXX XXXX for {$520.00}. This amount has been satisfied back in 2009. I have called both companies and neither XXXX of them are willing to removing this information even though it is incorrect. I have attached all the supporting documents showing that this account has been satisfied and needs to be removed from my credit report. If you have any questions feel free to contact me at XXXX or at XXXXXXXXXXXX
Experian online dispute system stated all documents were received. After 2 weeks XXXX & XXXX had updated the item as judgment satisfied. I checked my credit report with Experian it was still on the report and did n't show in disputed status. I called them and was told they never received anything form me or no uploads to there site were found. The customer service person entered the dispute and my complaint about the system on XXXX/XXXX/16. She stated they would call me on XXXX/XXXX/16 between XXXX-XXXX. I never received the phone call. I called Experian back, I talked to a different agent and was told it could take 30 more days to do the dispute and they did not have time for call backs. He would re-file my complaint about there system but that they were not responsible for the website that was another departments issue. They stated if the system does n't show an upload they would not investigate the issue and were not responsible for information entered on the site. This is complete mishandling of PII ( Full name, SSN & DOB ), especially from a credit bureau. According to their representatives they are not responsible for any information that you give them over the phone or via their web-site. How is this possible? I request information into what happened with my PII and my claim file via there websites on-line dispute center and document upload site. I also would like the dispute done with XX/XX/XXXX-XX/XX/2016, due to the miss handling of my online dispute and PII.
Phone call at XXXX EST time from a robocall, telling me that there is a suspected fraud on the credit card account, and that I need to call in immediately. After 10 minutes of voice mail jail with Fidelity / Elan robots, it becomes clear that the " Red Flags '' for fraud include multiple transactions from XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX vendors that we pay dozens of invoices to EACH AND EVERY month ( see attached statement ). 

Specifically, the " fraud alert '' for today 's charges is based on XXXX transactions in a single day. Except that for each of the last 12 months, there have been DOZENS of days where we make XXXX or more purchases from the same " Red Flag '' / suspicious vendors. Why is this suspicious? 
Why are these " Red Flag '' tests so primitive? Why are calls not made during business hours?
I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also wells Fargo and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.
XXXX I received a XXXX XXXX XXXX Card and used the card. Once using the card I ran into financial trouble and asked the company to work with me to make payments and discontinue the usage of the card because it wasn't within my budget and I was forced to cut my budget. I explained that I would make the payment until it the card was paid off but I noticed every time I received the bill the interest kept accumulating. The bill soon went from XXXX to XXXX. Then they sent me to court for XXXX and sold the account over to a law company XXXX XXXX XXXX, again I attempted to negotiation the cost. I was in bankruptcy for five years XXXX closed XX/XX/2018 and failed to include this company for some reason. I call and made arrangements with the law company to make {$54.00} on the XXXX of every month since XX/XX/2018, but I'm beating a dead horse because they continue to accumulate interest and I'm going nowhere right now the funds has increased to XXXX. I feel that this is so very unfair to me to consider to pay this debt. I have a family and attempting to make ends meet and this debt is a issue that continues
we were told it would be 7 years than it would come off out record. all but Equifax did come off. they told us 10 years, even the our lawyer told us 7 years his office process the bankrupty when we told him we did n't want to do it. 
why is XXXX agency report not the same when come to this
had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  XXXX   and equifax
I applied for pre approval to take out a loan with XXXX XXXX. My bank sent me a note after they had pushed the application through that said my credit score was too low for pre approval because XXXX had passed on a delinquent account, under my name, to a third party debt collection agency. However, I have never nor will I ever have an account with XXXX. In effect, XXXX linked my name and address with a delinquent account held by another individual under the same name at a different address. XXXX had no other information to associate with my name and admitted, on the phone, that the account had been charged in error. They then refused to assist further and suggested I go through the steps necessary to correct their error.
I submitted a dispute with Equifax around XXXX XXXX, XXXX about Bankruptcy XXXX. The dispute was asking that they verify the information that was showing on my report. On XXXX XXXX, XXXX I received a response saying that the information was verified by XXXX XXXX. I found this information to be very unlikely because I had placed a freeze & suppressed my consumer records with XXXX XXXX on XXXX XXXX, XXXX. I then sent another dispute to Equifax on or around XXXX XXXX, XXXX asking for validation of the Bankruptcy being verified. The response was closed saying that it was verified & no further information was provided. I placed a call to XXXX XXXX to ensure that the security freeze and suppression were still in effect. I believe that Equifax is claiming that information was verified that has not been verified.
At the end of my loan ( XX/XX/XXXX ) I made my final payment and thought everything was done and over with. Then I see on my credit report 4 months later that my account wasnt listed as paid in full but listed as a charge off for {$40.00}. Resulting in my credit score tanking by 115 points. I called Westlake financial XX/XX/XXXX to find out what was going on and they said that they texted me in XX/XX/XXXX that there was a balance due. And that its my fault the account was charged off because I ignored the text message. My auto loan was for {$10000.00} and I paid 24 % interest for 4 years never missing a payment, and always on time. And now there is nothing I can do about my account being listed as a charge off for {$40.00}.