WillisBack/dataset-financial-user-claim huggingface dataset:
Tuesday XXXX XXXX 2016, I noticed that my Chase checking overdraft protection deposited {$1800.00} into my checking account to cover an overdraft. However, there was no overdraft that occurred from my records or from Chase. The amount showed as 'Pending. ' I contacted chase at XXXX EDT on Tuesday XXXX/XXXX/2016 to ask why this happened, but the ( male ) Chase representative could not explain why. He stated that I should repay the {$1800.00} back to the credit card ( Chase XXXX ) and everything should be fine. He stated that I need to do this before the end of the day ( Tuesday ). As instructed, I made the payment from my checking ( account XXXX ) to my Chase credit card that night for the amount of {$1800.00}. Wednesday morning ( XXXX/XXXX/2016 ) my account showed an new overdraft because of the payment I made to the credit card. However, the funds ( {$1800.00} ) that were originally showing as 'pending ' were no longer in my account and a new credit card over draft amount was transferred for ~ {$1500.00} ( to cover the NEW overdraft ... according to Chase ). My checking account now has a XXXX dollar balance and I no longer have any money in my account. I 've talked to at least XXXX different Chase employees, from different departments, each coming up with their own explanation of what occurred. Eventually, I was told that I would have to wait for the {$1800.00} credit card payment to post and then have it reversed which will then take an additional 3-5 business days after I call back, yet again to explain the situation to yet another Chase rep. This is a complete breakdown of communication on Chase 's part and lack of ownership for what one incompetent Chase employee told me to do. My family and I have been trying to stretch the mere {$300.00} in my checking until next pay day. I keep getting the same answer from Chase : " I 'm sorry, but there 's nothing we can do. '' I mentioned to them that my phone call was recorded with the original rep and that they should take ownership for their mistake. I had one employee ( XXXX XXXX ) tell me that I should start using a paper register to keep track of my records ( i.e. placing blame on me for the issue ). So far, I have not heard anything back from anyone within Chase and I 've wasted hours today on the phone re-explaining the problem, but ultimately, it has gone no where. I want my cash back in my account and I want them to rectify this properly. I will also be looking into what can be done from a legal point of view. I need help.
My mortgage servicer, Ditech is doing dual tracking. They have started foreclosure proceedings while still evaluating me for a loan modification. In addition, they started foreclosure proceedings after I turned in all the paperwork and was waiting for a response to my loan modification. They then stated that I had not turned in the appropriate paperwork and then asked for paperwork I had previously submitted. Then they sent back XXXX because it was missing a date two months after I had submitted it and without anybody ever advising me that it was not filled out correctly.
Machol and Johannes has put a lien on my home for a case I was never notified for they've garnished my wives wages from 2 separate accounts for 1 year straight theyve tried to garnish my veterans affairs XXXX twice they call and harass theyve sent people to my door to threaten me to the point the cops were called theyve abused and harrassed myself and my family for 3 years now
I attempted an online transfer of {$200.00} from my Wells Fargo account to my husband 's Wells Fargo account. During the process, I mistakenly selected an option to send the money to my husband 's old XXXX account, which has been closed for several months, instead of his current Wells Fargo account. The money was immediately withdrawn from my account during Wells Fargo 's attempt to send it to my husband 's old, invalid account. Four days later, I noticed my husband had not received the {$200.00} nor had it been returned to my account. I contacted Wells Fargo customer service. They say I have to file a claim to get the {$200.00} back, which may take an additional 10 days to resolve. My complaint is that 1 ) This online transfer should have been a pending transaction until the money successfully reached a valid account. In such a case, the {$200.00} could have been immediately restored to my account when the error was discovered. 2 ) It 's unethical, and possibly illegal, for Wells Fargo, or any third party Wells Fargo utilizes, to withdraw and retain a customer 's funds for up to two weeks when it was immediately known that the target account for the transfer was no longer valid. It 's unsatisfactory for customers to have to wait for inordinate amounts of time to have money restored to their accounts., when these problems can be securely corrected within minutes, not days.
When I talked to this woman calling me and my family, she stated, this a payday loan debt from XX/XX/2014 through Ace Cash Express. Some woman name XXXX XXXX @ XXXX   is calling my sister at XXXX and my aunt at XXXX calling from XXXX XXXX on behalf of XXXX XXXX XXXX. Please tell this company to stop harassing me and my family. Their number is XXXX. Ace Cash Express has been paid for this loan several times over as we know the interest and fees they charge are ridiculous. That's why after paying this company so much money, I don't even do payday loans. Its a scam that I feel the government should step in and regulate. In the time I had this loan I paid them at least over 12k which is well over the original amount I owed which was no more than about maybe {$850.00} as I didn't make much money back then. I was a struggling single mom. This company is a criminal/loan shark preying on low income families to scam them out of more money then they have. And she accused me of " Debt By Deception ''. This would only be true, if I got the loan, then closed my account and then ran off without paying anything. I can see if they were never paid for the original loan, but after paying them over and over again at some point there should be a cap where they realize that they have received enough money in interest to close the loan. Have some integrity for the consumer instead of being greedy and then maybe this industry would have a better reputation. Have some morals to the consumers you serve, low income families who can't get a fair regular loan. But they are criminals/loan sharks and harassing people and their families with calls to create anxiety. Ace Cash Express should be the people in jail for their tactics instead preying on consumers with high fees and interest rates which they know is a trap and will never be able to pay. You want XXXX for a {$850.00} loan. That's crazy. I've paid this loan over 12x. Acknowledge that you have paid for the loan several times over and leave me and my family alone. Stop threatening me with wage garnishments, legal actions and XXXX County arrest.
I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my Navient student loan accounts. At the time, I have attended XXXX   XXXX College ( now XXXX XXXX  University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting Navient regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from Navient team.
For the last 6 years I have been living in XXXX XXXX XXXX , XXXX XXXX and prior to that I was in XXXX XXXX XXXX, XXXX in XXXX XXXX with the XXXX XXXX XXXX. Any residences shown during this time that are NOT my address and are false. Prior to that I live in XXXX apartments. TransUnion Reports my previous addresses as XXXX XXXX apartment which at the time I was in XXXX XXXX XXXX, XXXX for military training. I have send them documents as the police report, which states that my green card, my DL, among other documents were stolen and they refuse to take this off from my credit. I will attached the response TransUnion send me. I have never live on those addresses. some of those are just copies from an actual address but do not exist in the map. 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 XXXXXXXX TranUnion also reports my name as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have a legal name and all of those extra names are causing me problems with the XXXX and the XXXX I work with because they are connected to collection accounts they are not mine. <P/>They also report phone numbers that are consistent with information that is not mine. ( 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. <P/>I have send many documents that support my statement, they REFUSE to take off what is NOT accurate and keep false information on my credit report. If need it I am willing to send any other documents they need from me. I have try for many years and ways to fix this problem but they do not care and in many occasions have said and I quote, you can report us to whom ever we are going to do as we have. I understand this company is bureaucracy but I am individual who is trying to is working with the government and hospital to were our credit report matters to change XXXX and to move higher in the XXXX XXXX. I am currently XXXX XXXX to finish my XXXX degree and I would like to continue in the XXXX and serve this country as this country serve me and my family but this company has not been of any help and has refuse to fix a major problem. I will like all of those names, addresses and the XXXX XXXX XXXX collection to be taking off my credit.
We were denied credit and the bank said there is an American Express collection on our credit reports. There are XXXX account numbers listed for XXXX collection. We made another complaint and the response had NOTHING to do with our request. Please publish this issue as its unacceptable to not respond correctly. We are currently seeking other avenues to complain as well. We need either a XXXX or a payoff to remedy this debt. American Express can not ignore, legally, this request. Numerous calls to American Express have been futile as their call center is in XXXX and they can not pull up information or send information needed. We have also emailed the corporate office and will make a complaint with the department of corporations as that office has not responded. Calls to the corporate office are also futile. The XXXX account numbers end in XXXX and XXXX. Not sure what this means? This is affecting our ability to borrow money and the fact that American Express does not respond appropriately is not allowed by law as we have requested via phone and email and will send a letter today to their corporate office so also by mail as of XX/XX/XXXX ( today ) a response that is valid to satisfy this debt on credit.
I have been a XXXX XXXX sworn XXXX XXXX  XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( education services ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an MD.
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
I purchased an international product using my Bank of America ( BofA ) XXXX card but the merchandise received was lower quality in workmanship and material than XXXX prior suites purchases at a lower cost. I contacted BofA to raise my concerns and they informed me of the process to follow to resolve my dispute. Since the first call, BofA did not provide proper guidance for international disputes ( per XXXX ), been unresponsive to my follow-ups ( XXXX calls ), and, during my last phone call with the Credit Claims Department on XX/XX/2016, the BofA representatives asked me to forge a letter from a XXXX retailer to say the product was not of quality ; this was witnessed by myself and the BofA Branch Manager. I am very disappointed in the way BofA has handled my credit card dispute.
XX/XX/XXXX I have requested for several years for XXXX to correct long standing errors on my personal credit profile relating to my bank of America credit card. XXXX has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a bank of America credit card since XX/XX/XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. XXXX   refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XX/XX/XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had Bank of America use and XX/XX/XXXX verification process. So I called again. Bank of America has no idea what XX/XX/XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help XXXX make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both XXXX and B of A multiple times. At least B of A tries to do something. Unfortunately nothing has worked Bank of America Made yet another request for XXXX to update and report the account. They tried a couple of weeks ago. I received a letter from B of A dated XX/XX/XXXX stating that XXXX would not update they account because they say the account has been off my credit report for 7 years. So again I call XXXX and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called Bank of America again today and they have again requested XXXX   update the information to be accurate and correct. XXXX so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.
I have contacted Experian to inform them that the XXXX XXXX XXXX XXXX accounts that is reporting on my credit file do not belong to me. I have notified Experian and forward them a Fraud Affidavit with regards to this account. I do not know if this is a mix up or a blatant identity theft, but I have notified Experian and XXXX XXXX XXXX of this. I have not received a response from either of them. I would like these XXXX accounts removed from my credit file or proof of this account forward to me.
I experienced a hardship during a natural disaster ( hurricane ). I spoke to a representative at Capital One and was advised of a deferred payment due to this hardship. As a result of this i suspended my automatic payments for this account. I realized about a month later that this non-payment in XXXX is now being reported late. I spoke to customer service and was advised this would be corrected. Two months into the investigation i received a letter for capital One stating nothing could be done. I think this is unfair and should have been handled differently by the representative ; i think giving out false information at the time of my hardship and saying i had one less thing to worry about was horrible and showed how uninformed the customer service rep was at the time.
I was contacted by XXXX with XXXX XXXX XXXX in XXXX XXXX regarding this XXXX account. I told her that I had went through XXXX law group and that my XXXX account had been paid off. I told her I would find the information and send her as XXXX law group went out of business. I was able to get an accounting from XXXX XXXX XXXX. I sent this to them and advised I was disputing this debt. 
Every single month XXXX would call me and every single month demanding that I take care of it, I would tell her that I was disputing it. She would say oh yes I see that. Then I started receiving calls from XXXX at Guglielmo & Associates and he said that he was in charge of the case. I advised him that I was disputing it. He said oh yes I see that. This continued until XXXX XXXX I spoke with XXXX again and again I advised that I was disputing this debt. He told me that it was no found in my favor, I asked how that could be when I sent paper work showing that my XXXX account was paid and that I have never received any paper work from them. He told me he would send some out. 
On XXXX XXXX. XXXX I sent them a letter requesting information. I never heard anything from them. 
In XXXX XXXX I called regarding another matter I spoke with XXXX after finishing with this other matter XXXX asked me about the XXXX account, I advised her I was still disputing it and had sent in a letter requesting information. She told me she sees the letter I sent in XXXX. XXXX told me that they sent me what they were obligated to send me. 
I did not hear anything from them again until I was served with papers. I also believe by the paper work they sent to me and to the court that this debt is past the SOL as it shows the last activity was on XX/XX/XXXX
Cross Country, Mortgage Inc. employee XXXX XXXX, XXXX # XXXX Phone XXXX Cross Country Mortgage, Inc XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Ohio XXXX Employee XXXX XXXX was very slow and unproffesional in the work on our loan for a condo, never hardly getting documents to us or other parties in a timely manner, not responding to our phone calls in a timely manner causing us to fire him, and his company, and getting another Mortgage company that was very good at all aspects of our loan application. XXXX XXXX even purposely delayed sending documents to new company we employed. He also gave bad advise to my wife advising her to come off loan causing us to have to pay {$660.00} to quit deed her onto condo after closing. I would like for XXXX XXXX or his company to reimburse me the {$660.00}
My mortgage went in to foreclosure. My wife passed away and she was handling the mortgage, I thought it was on auto-pay. Immediately on finding that it was in foreclosure, I called Wells and they gave me the total amount due to be current. They said that there was a {$200.00} additional fee that would be assessed but that " may '' be waived given my circumstances. I paid right around {$10000.00} to come current and expected to deal with them on the additional {$200.00}. I got a call today saying that I now owed over {$3000.00} for a payment {$1500.00} for the payment, the {$200.00} late fee and an additional {$1300.00} which no one was able to explain. This is the first I heard of this {$1300.00} and asked for an explanation. I spoke with three different people and still, no one knew. They each took my email address as they were sending notifications to my deceased spouse. I had previously changed the email address but they continued to send it to her account, which I do not have access to. 

They said that they would mail me a letter and I asked for it to be emailed, apparently this isn't something they do as they were reluctant to do so and said that they would put in a request. 

I need the information emailed as I am not home enough to check the mail and want to get the issue resolved. 

I am very concerned about this additional {$1300.00} that wasn't discussed before and am even more concerned that no one was able to tell me what this was for. 

With their vague information about what the {$1300.00} is for and their inability to provide clarification, although they wanted me to pay it, I feel they are trying to take advantage of my situation and are being predatory.
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX XXXX : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
On XX/XX/18 I was made aware through XXXX that a company by the name of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX OH XXXX ( NO PHONE NUMBER PROVIDED ) made an inquiry on my Transunion credit report. 

I mailed a written dispute directly to Transunion disputing the inquiry. All Transunion did was send me a copy of my credit report basically stating that it was a valid inquiry because XXXX XXXX provide Transunion with my address. 

It is not a valid inquiry! I have never had any dealings with this company ... ever. 

This company had no right to inquire on my credit report and I believe Transunion made no attempt to confirm this with this company. 

I also made several phone calls to Transunion trying to explain to them why this is not a valid inquiry and all they could tell me is that " HARD INQUIRIES STAY ON MY REPORT FOR TWO YEARS ''. 

Obviously, I would like Transunion to remove this inquiry asap or provide me with evidence of my signature that I applied for any credit with XXXX XXXX