WillisBack/dataset-financial-user-claim huggingface dataset:
Approximately two years ago I opened up a secure credit card with Wells Fargo Bank for {$1000.00}. Over the course of this last year in 2014 I have experienced some financial hardships. However, at this time I am trying to repair my credit ; the XXXX step was to deposit into the holders of my credit cards. I have XXXX with XXXX XXXX and a secured card with Wells Fargo. The account with Wells Fargo is a secured XXXX credit card ; I made a {$1000.00} deposit 2 years ago. I was over the credit limit allowed for several months. On XXXX XXXX I made a payment into the Wells Fargo secured card for {$1100.00} to date the money has not yet been available to me. I have made several phone calls over the last 7 days and I was informed that there was a hold placed on the deposit to ensure it was clear from my bank. I informed them the money had posted to my XXXX XXXX XXXX account and was no longer available to me and that it should have been credited to the Wells Fargo account. Finally after one week of a waiting for these funds to be available I have been informed today that the account was closed on XXXX XXXX. After the card underwriter in the credit services department at Wells Fargo reviewed my credit history she informed me that they would not be able to reopen my Wells Fargo secured card a nd then I was tranferred back to the customer services dept of the credit services department I was told I would not be receiving my refund of the {$1000.00} dollars collateral for at least 45 to 60 days. I expressed my profound disappointment and anger as I need these funds for my day to day living. I have bills that desperately need to be paid and my intent was to pay them from the funds deposited to that card. When I asked for a supervisor I was disconnected. When I called back to speak with a supervisor I was told that I did not meet the criteria for a rush of my {$1000.00} back to me. I am a relatively new XXXX and I an a single parent with children in XXXX. I can not afford to have {$1000.00} just sitting somewhere.
Since the beginning of XXXX, Santander has disabled my online account so I am unable to see the amount I owe, make a payment, request a payoff, and any other action that I need and or want to take with my loan. They are trying to force me to pay using one of the methods where they charge clients to make a payment, The practice of charging consumers, who are struggling to make their payments and meet their bills, to pay their bill is despicable and wrong. 

I have not missed a payment or been late. Yet they have shut down my account to force me to do something I have not agreed to do.
My complaint stems from an experience with a  Cha  se consum er credit  card, t  he,   XXXX   XXXX   XXXX  , credit c ard and their deceptive marketing techniques and unexplained interest increases that resulted in usury.   I was a customer for more th an seven year s beginning in  XXXX . I never made a late payment, yet my variable interest rate more than trebled, without notice or explanation in a period of a month. The rate would remain at a usury level until I would close the account, of my own volition in  XXXX .   When I called,   XX/XX/XXXX ,  to inquire about the abrupt and unjustifiable rate increase. I was provided with unsatisfactory justifications and industry jargon in an attempt to placate.   I persisted, eventually speaking w ith a line manager w ho was able to, offer, a one-time interest reversal credit for a, loyal, customer, but purported to be unable to reverse the overall rate increase.   I remained unsatisfied and demanded a justification in writing for the rate increase ; none was forthcoming. I would call back a month later,   XX/XX/XXXX  , to request that the interest rate be returned to the original rate. The servicer refused and I was burdened by their usury until I was able to pay off the balance and close the consumer credit card, once and for all.
Why are banks allowed to process debits from largest amount to smallest, thus collecting more in overdraft fees? My bank Chase XXXX uses this practice to collect added insufficient fees!
I took out a loan with XXXX XXXX in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, Cooper Hoffman Klein and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or Cooper Hoffman and Klein Associates has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted XXXX XXXX and found out {$310.00} was all I owed and that they XXXX sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX Cooper Hoffman and Klein and Associates saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed XXXX XXXX {$310.00}. I would like to pay my debt of {$310.00} to XXXX XXXX directly.
You probably already have a huge steaming pile of complaints regarding the Equifax breach. That incident alone is complaint-worthy, but my particular complaint might ring a different tune.
The site they offer to check if you 've been " impacted '' ( https : //www.equifaxsecurity2017.com/potential-impact/ ) is deceptive. If you are determined to be affected you 'll see a display like the following : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] '' For starters, you ca n't even enroll right away, and are forced to return to the site at a later date that they provide. Rampant identity theft can begin NOW, and we ( impacted consumers ) need the protection NOW. Doing anything after the theft has occurred is already a worst-case scenario.
My expectations were : a ) An option to freeze the credit report right away. ( This is by far the MOST important thing. ) b ) Voluntary outreach to all affected customers by postal mail.
c ) An offer for FREE identity protection services, available immediately.
d ) An honest description of what exactly might have been leaked - a worst case estimate if they truly do not know.
Equifax is clearly failing on all four counts, beyond also completely failing in IT security. As I read it, they can not even assess the extent of the damage because the controls were so faulty.
What 's worse, after reading into what TrustedID Premier actually is, this is a PAID service that they appear to intend to use to wring more money out of unsuspecting consumers! This is outrageous behavior and needs to be curtailed! The message to enroll for TrustedID is an up-sell, not a path to restitution.
I never once chose to be involved with this company, and it is incredibly unfair that I am now exposed to significant harm because of their negligence. That they have the nerve to then attempt to up-sell me amidst this major failure is reprehensible.
ACCOUNT IS SHOWING ON MY XXXX REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. PER YOUR " INVESTIGATION '' YOU SAID I REPORTED SOMETHING TO THE BANK. I NEVER REPORTED ANYTHING AS THIS ACCOUNT, I DID NOT OPEN IT. YOU SAY THIS ACCOUNT IS NOT SHOWING IN COLLECTION IN MY CREDIT REPORT. WELL I HAVE ATTACHED WHERE IT IS. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
RE : DELETIONS TO CREDIT REPORT Dear XXXX, XXXX, Experian : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports. 

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX 's Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}. 

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely,
Today, XXXX XXXX 2016, I received a call from a gentleman working for XXXX asking for payment on a XXXX account I apparently had 2 years ago. I agreed to make payments IF they send me a letter of agreement to remove the debt from my credit report. The gentleman told me I was responsible for calling the credit bureaus and having them remove the account myself. It has always been to my understanding that once the debt is paid, the collection agency is to remove it, otherwise it will still affect my credit. Also, I have not received any notice in writing pertaining to this debt or proof of this account, just harassing phone calls asking me for my bank information for payment to the account.
I leased a car from XXXX XXXX and in XX/XX/XXXX, I traded the lease to purchase a pre-owned vehicle. Knowing that I owed extra money for a few remaining payments, extra mileage and a few minor exterior issues, I pre-paid the extra fees at the dealership upon the purchase of my vehicle in XX/XX/XXXX. The dealership assisted me in figuring out the charges and I paid a certain amount down and the rest was rolled into my finance agreement. It was almost {$2000.00} extra that I paid back in XX/XX/XXXX to take care of any outstanding charges from the lease that was turned in and it was my understanding that when I left the dealership that day, that everything was taken care of since I pre-paid all fees to XXXX  XXXX. I received zero correspondence until XX/XX/XXXX/XX/XX/XXXX, over a full year later until I was in the hospital fighting for my life with XXXX XXXX XXXX XXXX XXXX XXXX. I received a phone call from XXXX XXXX at this time, while I was still admitted to the hospital, that I owed them almost {$800.00}. I explained to them that they should have taken that up with the dealership who had received the money over a year ago and I had no idea there were any issues/outstanding payments. I explained to them my health condition but that I would try to get to the bottom of it as soon as I could. Not even a few days go by and I'm still in the hospital and receive a call from XXXX XXXX  stating that the matter was now in collections. I explained the whole situation to them and that the dealership had the money since XX/XX/XXXX when I paid it then. I also explained that I was in the hospital but would try to figure out what was going on. They said no problem and were going to give me 2 weeks to figure it out. Unfortunately a couple of days later, XXXX XXXX put a charge-off on my credit without checking with the dealership or giving me time to figure it out. If you look at my entire credit report, I am never late and pay all of my bills on time. Even this very account, which is listed as World Omni on my report, was always paid on time, never late. Then, mysteriously in XX/XX/XXXX, there is no data for the entire year on this account on my credit report, then a charge-off goes on there XX/XX/XXXX. None of this makes sense and I've tried to communicate with XXXX XXXX who admits to getting returned mail and having completely incorrect contact information for me, but will not agree to take this off my credit and make things right. Due to massive medical bills and student loans, I can not afford a lawyer regarding this right now. I don't know what else to do, I have exhausted all my efforts and have worked very hard for 18 years to keep my good credit. I feel very defeated and frustrated because there is nothing I can seem to do to get this corrected. Please help!
I have an American Express Platinum Card. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my XXXX Visa card for the amount of {$3400.00} and mailed it to American Express. On XX/XX/XXXX XXXX posted the payment, and listed that American Express had cashed the check. 

American Express have refused to credit the amount to my American Express credit card. For over 6 months they have disputed and delayed, refusing to admit they received the check. Via XXXX, I have supplied them with all the information I can ; copies of my statements, copies of the check itself ; all information pointing to the obvious that American Express received the check but misdirected the funds, lost them somewhere. 

Meanwhile, I am being charged by both American Express and XXXX for money that has been lost by them. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. XXXX assures me that American Express took my money. American Express keep asking me to ask XXXX for more information. XXXX tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

At this point I should file a police report, as the only explanation is that American Express has stolen my money. 

I don't know how else to resolve this, I need some urgent help.
I complained to Capital One credit card company via ( telephone and later formal dispute ). I received two different responses on the same day ie ; XX/XX/2018. I called into customer service on several occasions asking someone to to a complete investigation into my complaint including reviewing telephone notes from each time I called in to address the " late payment '' accusations each time. As I continue to say ; This account was supposed to be set up on Auto Pay. AND at the time of me first opening this credit I was out of state. 

I was told by the many different customer service reps that the problem was not caused by me and it " the auto problem '' will be fixed. That is why each time the service fees were reversed. 

After I became aware that the problem would not be fixed. I immediately made payment to correct/ lower the balance. Again, I was under the impression the account was set up for automatic payment deduction each month. I was also under the impression at that time when the account was first open, -- -- that the account would be investigated and corrected and I had nothing to worry about. To LATER FIND OUT that nothing was changed/investigated/updated. I called plenty of times to address this with multiply customer service agents/reps. Please note that the only time I received a letter is a result of filing a dispute with the credit bureau and than following up with two different supervisors. I am not trying to be ungrateful or spiteful. However, this is not fair the way I am being punished for the company not correcting its payment acceptance. I can not rent an apartment or get a job because of this reporting. Please consider making an adjustment for me .... Thank you.
I paid my most recent mortgage payment by phone on XXXX XXXX. During that process, I was advised by the automated system, that my payment could not be processed. I called back and spoke with a representative, who verified that my payment had in fact been processed along with the {$13.00} fee charged. This originally happened about 5 months ago. I made my XX/XX/XXXX or XX/XX/XXXX payment and was advised that it was not processed. I was a little worried and called back to speak with a representativeIThat 's when I was advised that the payment was n't processed again because I already paid. I advised the representative that the automated system told me that it could not be processed and if I had n't called back in, I would have never known that my payment and fee of {$13.00} was processed. I have reported this issue for several months and nothing has been done about it. From my understanding, when processing an ACH payment, there is a XXXX disclosure that must be provided every time a payment is made.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Cyberattackers obtained my social security number, full name, address, driver 's license number, and credit card numbers. I verified through their system that I was one of the people affected. Equifax is charging me {$10.00} to freeze my credit. I would not like to pay  {$10.00} to save myself from their horrible mistake. Furthermore, in order to verify that you were affected, they require that you waive your right to be part of any class action lawsuit.
I spoke with them few months back, after my mother had became very sick. Explained that with her health problems, I need to reduce or delay my payments. They subjected the hardship program, said it would defer my payment for 12 months. I accepted and everything was fine for few months, then started getting treating calls & letters. I expected that since the offered me the program they should at least live up to there terms that they agreeded to. Wish I had never had anything to do with these people!! Do n't keep there word or agreements!!
In th e past two months I have had several Bank accounts closed because of suspected fraud. The banks in question ( Chase,   XXXX   XXXX   ) clo sed my accounts abruptly and would not provide any additional information except for that my accounts were closed to fraud.
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00}   XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.       XXXX   Last reported :  XXXX   XXXX ,    2017 {$7500 .00} This account  is 7 years old a nd should have been deleted.       XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017 {$3000.00} In Collections/Charge-off
Chase XXXX XXXX is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. 

I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed as this derogatory reporting is harming my attempt in employment.
I forwarded a payment to pay off my Discover credit card. It was received by the due date. When I received my credit card bill, instead of it being paid off, they listed an additional interest charge. I called them and they said that was interest from the previous billing cycle. I believe this is a purposely fraudulent practice by Discover. I should not have to call them to get a pay off. Their statement should tell me the date interest is charged and what it was calculated on. It should be listed on the statement for the period on which it is calculated. 

In the end, they are refunding the interest, but I would like for them to be investigated. All other credit cards I use do not use their practice. If interest is charged, it appears on the current statement for the period they are charging for. No one should have to call a credit card company to find out their payoff. 

How many other innocent consumers are paying additional interest that they should not be paying?
The credit card company sold it off to another lender which is them. I paid the debt in full and have the confirmation. This needs to be removed
This company contacts everyone on my referral list if I am late paying and tells people on this list that they are looking for my car. They have been rude and harassing calling multiple times and using threatening language like " contact us or else. '' When I called and asked to speak to management once, the person told me that I did n't have the right to speak to a manager because I have n't made my payment. When I asked them to stop calling my XXXX mother in law with XXXX who lives in NY, they told me that they will continue to call her because it makes me call them. It 's a tactic that they use. I have recordings of their threatening tactics and frequent harassment. Even after I paid {$100.00} and signed a contract extension for the month of XXXX., they still called my mother in law everyone else on my referral list asking for the location of my vehicle.
I was contacted by Consolidated Recovery Systems regarding a billing for which I had no knowledge. When I inquired, they stated it was a debt to XXXX XXXX XXXX XXXX. I had never received a copy of the bill. I requested they provide one. The bill they sent included my name but a random address unrelated to me and did not include any details for the billing. I instructed Consolidated Recovery Systems to stop contacting me. I called and wrote XXXX XXXX XXXX XXXX requesting a detailed bill and providing my correct address. They have not responded, but Consolidated Recovery System continues to violate my instructions by calling and attempting to collect a debt.
This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP!
My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.