WillisBack/dataset-financial-user-claim huggingface dataset:
I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 

A Lowe 's Customer service representative XXXX, XXXX at XXXX XXXX, states it is Lowe 's credit paying practice to post-date any subsequent payment made in a billing cycle to the next billing cycle automatically, and it is solely up to the customer to change the date to immediately. 

They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.
TransUnion is reporting MULTIPLE hard inquiries on my credit report. XX/XX/2018, i sent a letter to the credit bureau asking them to promptly remove these inquires because they are unauthorized, i have gotten no response. I stated that i contacted and sent letters out to the companies who are reporting this fraudulent activity on my report and no response from them as well & still no help from TransUnion. Here are the 25+ Fraudulent inquires that are reporting on my report that i DEMAND removal of : 1. XXXX ( TWICE ) 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX 8. XXXX XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX  XXXX 13. XXXX XXXX XXXX 14. XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX
I was depositing a XXXX Bank check ( made out to me ) at my Wells Fargo Bank branch on XXXX XXXX in XXXX, WA. I 'm a long standing customer with WFB, have XXXX thousands of $ s in my acct., a WFB visa card ( in excellent standing ) and a safe deposit box. The teller in question has seen me conducting business several times in the branch. As I was depositing my check ( no cash back requested ), she " XXXX '' asked me : how did you come to have this check? I told her that was " private info '' and she only said : I 'm just making conversation. No mention from her about needing to ask me for " bank '' reasons, just " making conversation ''. I called the branch mgr. who seemed oblivious to the highly inappropriate and unprofessional action her teller had taken towards me. Later, something occurred to me. I 'm XXXX XXXX and she is XXXX. I believe she " profiled '' me as someone to watch out for, to be suspicious of, leading her to ask me " how " I '' got the check from XXXX bank. She should be " officially '' reprimanded.
Dear Sir or Madam, I appreciate your taking the time to view this. In XX/XX/XXXX I opened a checking and saving account with Wells Fargo Bank. They were running a promotion of {$200.00} if you met certain requirements on the Checking Account. I called in XX/XX/XXXX inquiring when the bonus would be posted. The lady told me I had qualified and the bonus would be deposited within 45 days. I sent them a message after the required time. I was told they needed an Individual Taxpayer ID even though they have my social security number. They said they would mail me the form I needed. I waited 14 days and asked about the form. They told me I should have received it within 10 days but they would mail another and for me to fill out and take to my local branch here in XXXX, GA. I filled out the form and took it to my local branch back in XX/XX/XXXX. I called just a short while ago and after holding for several minutes I was told there were no bonuses advertised during the time I opened my accounts. I asked why I had been lied to and she said I would gotten a code in the mail to receive the bonus. There she contradicted herself. I know {$200.00} is not much to some but I have jumped through all their hoops for months now only to be lied to once more. Can you please tell me what I need to do as contacting Wells Fargo is useless? I am going to close my accounts but I feel they need to answer for their unsuitable behavior. Thank you.
I contacted Equifax in regards to a company, called XXXX XXXX XXXX XXXX that has listed a payday loan on my credit report for $ XXXX.I told them this should not not be on my report.I never received any response from them in them in regards to my dispute, it has been more than 30 days.I also told Equifax, that I had paid this loan, more than I owed these people, and I donot owe them any money, apparently they did not do an investigation.I am not sure of the exact date, I contacted Equifax, except in was in XXXXXXXX XXXX, it is now XX/XX/XXXX
XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT. I have recently been informed that there is negative informat ion reported by   XXXX   XXXX   XXXX   in the file equifax maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.   Please validate this information with   XXXX   XXXX   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of equifax 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file
I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however Equifax, XXXX, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.
XXXX has been contacting myself and my family repeatedly stating I owe a balance of {$2500.00} to US Bank from XX/XX/2007. They are threatening myself and my family with jail time and garnishments. I have spoke to US Bank and there is no record of such balance. This collection company is threatening and scaring my family, as well as making false claims of this debt to my employer.
I have made numerous request for Central Financial Control XXXX Syndicated XXXX XXXX surrounding XXXX to XXXX accounts the creditor has placed on my creditor reports prior to notifying me of the alleged debt as well as refusing to disclose verification of debt. The latest communication was sent certified on XXXX/XXXX/2015 and the creditor has refused to respond as well as provide any disclosure of verification of debt details along with supporting documents.
McCarthy, Burgess & Wolff Address : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX A representative named " XXXX XXXX XXXX has called me daily leaving a voicemail asking to collect a debt, not knowing who they are contacting and asking for personal information. After the 3rd call on XX/XX/17 I called back and asked who they were trying to contact, they refused to tell me. I asked what creditor they are trying to collect on behalf of. They refused to tell me. I then asked that they send a validation notice/letter and XXXX did not know what that was ( which is her job ). After explaining it to her, she asked what address to send it to, I said to send it to the billing address that the creditor has on file. XXXX did not acknowledge that I even spoke to her. I asked her if she was going to send it to me " yes or no '' and she said yes.
Attempted to establish service with XXXX. Was then told I had a prior balance. I paid balance. I get a notification from my credit monitor that ERC has a collection account for XXXX. ERC never sent any communication about collecting debt or taking action. I never paid ERC, I paid XXXX.
I send a debt validation to the creditors and requested debt verification with my signature and they dont send the correct validation and verification
XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows  which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XX/XX/XXXX they received the town tax bill. Since they failed to pay the school taxes in XX/XX/XXXX. the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.
XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.
My account was charged with several fraud charges out of state, I realized this when i tried to use my debit card. I filed a claim with the bank, I was given wrong information about how my automatic payments would be paid, I was told I would receive a form by mail, 3 times I was told that my claim was misfiled, so I went into the branch and explained to the manager and 2 days later she called me in to sign a document. This started on the XXXX and my money is just now being released.
I contacted Bank of America to inquire about a Home Equity Loan XX/XX/XXXX.During the intake of my information, the representative said that it would help my loan process if I had a checking or savings account with BofA.On that call, he pressured me to make an appointment to open accounts at the local branch. I went and opened checking and savings accounts.I asked the initial representative, the branch representative, the mortgage specialist and his manager if my credit would be an issue for approval, as I incurred late payments when my previous bank/mortgage accounts were sold by XXXX.They all said, it would not be an issue. I indicated that I needed to be sure because I was applying for a home equity loan ( on a house I own a 100 % of-no mortgage ) to pay an unexpected income tax bill.They all assured me to continue with the process.Today I received a denial for the loan.When I asked to speak with someone, XXXX XXXX ( who previously assured me it would be fine ) told me that Bank of America would NEVER approve a loan when an applicant had a late payment to a former mortgage holder. They saw my credit report when I started the process and lied to me the entire time.They pressured me into opening bank accounts and applying for credit cards.I feel that they have deceitful and dishonest business practices.I complained about the specialist assigned to me to XXXX XXXX, that he was unresponsive and told me that if I wanted a quick turn around I should have applied to a smaller bank because they have less customers.After my complaint, he treated me worse, sat on paperwork and was not responsive.Now 6 weeks have passed and I am no closer to having a way to pay my income taxes - except now, my credit score has been lowered due to the hard credit inquiries from the credit card they pressured me to apply for and the loan I ultimately did not receive.They have added themselves to my homeowners policy as a XXXX loss payee without approving me for the loan.They have wasted my time for 6 weeks.I corresponded with XXXX XXXX on XXXX XXXX and she NEVER said they do not approve loans if you have been late paying a prior lender ( even with a valid explanation ). I was full disclosure about this - because I was worried it would have an effect. I am feeling like they must have quotas to submit for applications and to open accounts and used me to fulfill their requirement only to mislead me.
In XXXX of 2015, a company named Equitable Acceptance contacted me in regards to consolidating my student loan debt. My understanding of the agreement was that my student loan would be consolidated and paid off. My payment would be {$39.00} a month. For the past year, I paid the {$39.00} a month with no problem thinking that my student loan with the US Department of Education had been paid off. I recently found out that this was not the case. I contacted the US Department of Education and found that I may have been scammed. At the moment, my loans have been consolidated with the US Department of Education and I 'm currently making my monthly payments. I have stopped paying Equitable Acceptance. According to my last statement I owe them a balance of {$1100.00}. I feel this company took advantage of me and am going to seek legal advice as to what to do next.
Hi there. My name is XXXX XXXX. I am requesting a n investigation with Transunion. My inquiries were removed and unlawfully put back with them informing me in writing. Please look into this for me and have them remove my inquiries again as its not fair.
My name is XXXX XXXX and I have an account with American Express. I asked for and got an additional card for my wife. This card is tied to my personal account and is not a new account with American Express. This is verified on their website and pre their representative. One week after getting the additional card, American Express added the account to my wife 's credit report as a new account with an outstanding balance! But, it is not her account and she is not liable for the balance due or the monthly payments due. 
American Express needs to remove this information from her credit report.
Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.
My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to XXXX, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
I had an installment loan for an online college. The initial date was XX/XX/XXXX. I  tried the school for a while and was never able to schedule any exams with them. Do to the difficulty accessing the exams for class credit, I stopped using the program. I signed up for a local college and stopped making payments to the online school. This dept should be removed from my credit score in XX/XX/XXXX. The debt was closed on XX/XX/XXXX. The debt was purchased by XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX ; Representatives from this company call me several times a day ( I've block several of their numbers ). They have threatened me and even tried to contact relatives and the school I currently attend. They have threatened that they will block my XXXX license, send the sheriff to arrest me at my school and even at my child 's school. There is no account number for this company on my credit report and they would not tell me any number or identifying information when I requested it.
My Mortgage closed in XXXX with XXXX XXXX of New Jersey. It was then bought by Countrywide Mortgage that is Now Bank of America Mortgage. The loan amount was {$100000.00}. 

In or around XXXX, Countrywide used a predatory lending practice on my account by refusing my payments. I contacted the company to rectify the issue and they were forcing me to loose my house. Because of my family situation, I couldn't allow to loose my house. I provided them we that information. They used the information against me and put more pressure that I am going to loose my house. While contacting higher in their organizational hierarchy, they contacted my e-mail provider and requested for my e-mail to be shut down and it happened. 

I continue corresponding with a snail mail. After long negotiation, we agreed that I pay the arrears and they will put my account current and continue with the mortgage. I paid the sum of more than {$8500.00} to get my account current and I paid for 2 years above the normal payments needed to rectify the issue. 

Instead of honoring the agreement the company added {$19000.00} to the principal. That brought the principal to {$120000.00} from {$100000.00} and they took my {$8500.00} and did not show where it was applied to in my account. 

Again, with a family of XXXX and wanting to make sure that the standard of living does not deteriorate, I contacted and informed they company of the problems with positive solution. 
When Countrywide Mortgage failed and Bank of America took over, I contacted Bank of America about the ordeal. There were few exchanges and no proper solution. This has been going on all the time.

I have tried to refinance my mortgages more than 4 times, including with Bank of America itself, and every time I try the predatory practice that was put in place by Countrywide now Bank of America would cause my loan to be rejected and I could not refinance.

About two month ago, I contacted the company ( Bank of America Mortgage ) again for solution. They replied twice and stop replying to my correspondence.
We recently sent Di-Tech Mortgage company over XXXX dollars.They are coming by our house and constantly harassing us.They have even stooped so low to tel the young gentlemen that cuts our grass that we owe them money.We pay every month and they constantly state that we are late. 
what do I need to do to bring charges against this company?
Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other  uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.