WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - called USSA for justification *had policy explained redundantly, transferred to resolution department *resolution department extremely rude and unhelpful *Senior memeber advisor to the super boss told me i was not allowed to record him and disconnected the call. Even though they were recording. He said he would not email me any policy letter that shows what he was informing me on and i could find the information myself online. Apparently, explaining i was stranded on vacation and could not wait 5 days for the funds ... an exemption wont be granted that will release XXXX because of XXXX worth of clarification. Instead he captured the complaint for a team to reveiw. When banks are too big to need customers we clearly have an issue. Take your money to a bank that doesnt spend millions on marketing to cover up terrible customer service. Or contiue to receive explanations like you clicked agree so technically we can hold it for a week.
I received letter from PNC Bank dated XXXX XXXX, XXXX advising me about closing my account on XXXX XXXX, XXXX. PNC reference # XXXX. 
I have been associated with PNC for approximately 30 years in good standing, checking account and recently open credit card account. 
I contacted bank at the number posted on letter and basically told letter was self explanatory which frustrated me even more. 
I have had legal problem about 3 years ago for which charges were filed but not convicted the charges were expunged and now problems are occuring. 
I maintain excellent credit rating and getting extremely frustrated.
I reached out to XXXX XXXX, and Experian and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that Experian, XXXX, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included.
I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.
I had been using XXXX ( formly Active Hours ) since XX/XX/2017. The point of the app is that you take out a small loan, and pay it back in full, automatically on your next payday when the bank detects money in your account. 

In late XXXX I updated my bank account information to a new account as the one they had on file was not going to have sufficient funds to clear this amount and was in the process of changing to a new bank. 

On XXXX XXXX  removed {$50.00} and on XX/XX/XXXX they removed {$150.00} AFTER I had revoked authorization on this account and after I gave them an updated account to bill. 

I disputed it with my bank. They told me because it was an ACH debit that they could not reverse the transaction and I would need to contact XXXX. 

XXXX has no phone number to call, everything is done by message on the app. I've been around and around with them and they refuse to refund the amount that was charged in error, despite the fact they have my new bank account information. 

This has caused considerable issues for me with my bank account. I believe after I revoked authorization for them to charge my account they should have stopped charging it and used the other account I gave them!
Charles Schwab has placed a hard inquiry on my XXXX credit report when I applied for the checking account which is not a credit card or a loan product. I did not ask Charles Schwab to extend any credit to me in any way. Lots of banks make soft inquiries on credit reports for products that does not extend consumer any credit ; however a hard inquiry was not mentioned in the terms nor was it necessary especially I did not request any credit.
My information seems to have been potentialy impacted by the recent equifax data breach. I heard of the breach, entered my information, and recived a message saying as much. My spouse was the same. In finding this out, i was required to literally fill out more paperwork on a mobile phone, in order to enroll in a service that by enrolling in it prevents me from seeking legal action from any harm that may or may not happen. If it does, my finances are down the drain. It feels like we are being bent over a barrel for something that is NOT OUR FAULT!!!! I will not be extortioned by a company that has our information, AND CLEARLY HAS NOT HAD ENOUGH SECURITY IN THEIR SYSTEMS!!!!
Equifax neglected to inform consumers about the data breach. As a result, my information is at risk of identity fraud. Not only was Equifax aware of the breach before releasing information to the news media, it never reached out directly to inform consumers of the hack. Instead, I had to go to news sources to find out how to set up a fraud alert.
Equifax should have automatically placed fraud alerts on all of the affected accounts and alerted the account holders immediately.
Also, Equifax has not indicated how they are addressing the breach to prevent further intrusions. They have had similar breaches every 2 years since 2011. I find it oddly coincidental that they are so regular, and that the CFO and other executives cashed out stock right before the hack was made public.
PLEASE SEE ATTACHED FOR ALL DETAILS ... Summary Here -- XXXX I received a call from " XXXX XXXX '' supposedly ( it was actually XXXX XXXX ) with a special offer to transfer all my credit card balances onto one new Card ( ended up being Discover ), and that the transferred amount would be interest free until paid off at {$250.00} per month. The cost for this was {$1900.00} and was charged to my XXXX XXXX card ( see attached ), and then transferred to the Discover card. They did not mention anything about a transfer fee to the new card, and I was charged an additional {$420.00} for that. I was also told that the new Card I receive would have a low interest rate for life, but when received it was actually 23.24 % ( see attached ). I called Discover about the transferred balance, and they told me it was only interest free for one year and they never do " interest-free for life ''. I called XXXX back who was my main contact at XXXX and it took me about 5 calls over several weeks before I finally got her on the phone just before XX/XX/XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls nor emails. PLEASE SEE ATTACHED VERY DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED. ***NOTE - I tried to enter the amount lost below but was unable to. It 's {$2400.00}.
The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. 

XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX 
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. 
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX 
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX 
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX
I have sent two certified letters to Diversified Consultants INC asking for documents bearing my signature and I also have proof of someones signature so they have received my letters! They will not provide the documents bearing my signature! Only itemized bill! Theyre continuing to report to CRAS without proper Validation that I asked for! Itemized bill is NOT validation! I sent letters XX/XX/2018,XX/XX/2018,XX/XX/2018 but keep getting itemized bill! I have no other choice but small claims!
I am being harassed on a daily basis on a debt that I do not owe. I sent them a letter asking them to cease and desist from calling me. I sent a certified letter asking the debt to be validated and they have ignored my requests. They are affecting my credit tremendously with these false accusations.
Mortgage loan process with SunTrust Mortgage began on XXXX XXXX, 2015. Contract specified 60 days to close. Due to numerous delays, as provided in the attached documentation, closing was delayed by 14 days. Additional expenses were incurred as a result of inefficient communications between me as the consumer and within the SunTrust mortgage organization, a two week time frame in which the application just sat on the desk of the both the loan processor and the underwriter, submission of blurred copies of vital XXXX forms when clear copies were originally submitted with the loan application ; submission of appraisal documents that were not in compliance with XXXX requirements when the correct documents were available, and a completely disjointed closing process that resulted in further delays. These expenses are detailed in the attached letter and supporting documentation. While the XXXX program is designed to help those who need 100 % financing to secure decent, affordable housing, the process SunTrust employs to evaluate these loan applications could be considered discriminatory against those who are economically and educationally disadvantaged in our area.
Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.
BB & T is using 365 days this year to calculate their interest on my HELOC ( interest only ) loan with them. I believe 366 days should be used in the calculation. The use of 365 increases the actual interest rate charged above the actual interest rate agreed to and advertised. I contacted BB & T about this and have not received a response.
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX Experian has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
About a year ago my credit rating number declined because I closed some large accounts I was no longer using and my credit to use balance increased and impacted my rating. I have been slowly lowering the debt on my credit cards which seems to be the only negative factor. 

1, A short term loan I took from XXXX continues to appear on my credit account although it was repaid a month ago after 10 days of use, 2. Despite the fact that my credit in use balance lowered 2 % this week despite the incorrect loan, my credit rating number declined 6 points It still should have declined as there are no other cedit factors in question. 

XXXX was unable to address either of my problems. They referred me to Experian which was only able to open an inquiry on the XXXX loan. They show XXXX balance on line when I ask for a print out. 


I think they may be able to correct the XXXX issuebut have no idea why mycredit declined. Both entities seem to have no ability to address a mistake. They just correlate information they receive. 

This is disturbing and time consuming and neither could offer a direction to a remedy on the second problem. I am also concerned that the XXXX loan debit has been on the books and my records longer than I have had the loan.,
Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
My whole identity has been stolen. Hacked and frauded. Fraudulent mail and email / phone hatched
I have a checking account at TD Bank. I opened the account about a year ago and deposited {$100.00}, which is the minimum requirement so you are not charged any fees. When I received my first statement I noticed a paper statement fee for {$1.00}. Which brought my balance below {$100.00}. I immediately contacted TD Bank and stated the paper statement fee was never verbally disclosed to me at account opening. The banker was very understanding and reversed the paper statement fee and the pending monthly maintenance fee of {$15.00}. I enrolled in online statements as well. These adjustments brought my balance back to the {$100.00} minimum requirement. I received a letter in the mail dated XXXX XXXX, XXXX which stated my account is overdrawn by {$19.00}. At first I thought someone compromised my account and withdrew the monies, but when I called TD Bank on XXXX XXXX, XXXX I was informed the funds were depleted due to the $ XXXX monthly maintenance fee that was being charged for low balance. This is the explanation I received when I contacted TD Bank. The paper statement fee was charged in early XXXX, but the reversal did not occur until a couple weeks later, so my balance was not at {$100.00} for the full month. Thus, I was charged the {$15.00} maintenance fee every month since that time. 
When I took care of this in XXXX the Banker told me that I was made whole again with the reversals and enrolling in online statements and I would not be charged anymore fees as long as the balance remained at {$100.00}. Well I guess someone forgot to disclose another important fact. TD Bank has now failed to disclose important facts on two different occasions.
They have sent me a report that reads the XXXX fraudulent accounts remain. They have willfully violated the FCRA in that they have not blocked the XXXX fraudulent accounts as requested in full accordance with legal provisions set for victims of identity theft and they have provided no explanation as to how they have investigated the accuracy of these accounts.
Diversified Consultants INC are harassing me every day! They keep calling every day asking to pay a debt that I do not owe. I told them to stop the calls but they will not listen. They gave me an account number with at & t that does not even exist. I spoke to XXXX XXXX XXXX in numerous time asking them if I had a balance with them. All the representatives always tell me to ignore the calls and not to share any information with them. I tried to ignore them but they call from different numbers and yesterday they called my mom. I find this very disrespectful because first of all i do not owe anything. Second they are extremely rude and lastly I have never shared my moms information with anything related with me because she does not speak any English. They are definitely violating the debt collections agency rules by contacting my relatives. They are probably getting phone numbers from the internet or something. I need this harassment to stop now. I am afraid they will even mess up my credit because i am not aware of how much information they have. I XXXX  the company and thet have about 345 bad reviews on XXXX and XXXX so they are probably violating a lot of consumers rights.
I have had my mortgage loan through Bank of America since XX/XX/XXXX. The loan was for mortgage only not including escrow. The escrow has always been paid by me.. In XX/XX/XXXX I paid my taxes in four installments I was on my last quarter when Bank of America decided to make the last payment at the same time I was paying it. The city took the Bank of America check and they returned my check. I right away called Bank of America as to why they had done that and they apologized and said that if I pay the fourteen hundred something back to them that they would take away the escrow from account. I continue to paid my original {$700.00} mortgage payment and paid off the escrow they had paid. But they continue to add the mortgage and escrow, I had called them to see what was going on as to why they were still adding the escrow amount to my account when I have always paid my escrow on my own they could not give me answer. I still continue to just pay the {$700.00}. This past year I paid the full amount of the taxes in full four thousand something to the city. I called Bank of America to take off the escrow amount out of my account that I had paid the city the escrow.They had asked me to send them a copy of the receipt which I did. Then said they will take it off and from now on I would only paying the {$740.00} this started XX/XX/XXXX. So the coupon on the statement says {$740.00} but at the top of the top of statement they have Total amount I owe of {$6000.00}. They send several letters to have my mortgage modified, something I do n't want to do because I have not faltered on the account or have not missed any payments. It was Bank of America that screwed up and now they want me to pay penalties and for not agreeing for them to pay the escrow when I have always paid it on my own since XX/XX/XXXX. I 've called them several times to try and get this straighten out but to no eval they continue to add they escrow to the account..
I have tried numerous times to get this fraudulent inquiry off my XXXX  report and this company Barcklays bank has been unresponsive
I have disputed several times with XXXX and Omega RMS , LLC, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, Omega has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs
I already filed a complaint on XX/XX/XXXX. 

" On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response. '' On XX/XX/XXXX, Chase closed the account without resolving the issue, and said they issued 5,000 reward points to my account, but never did. I've made at least three calls to the Executive Office since, and have gotten no response from XXXX. I want to reopen the case.