WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I requested an investigation into a charge on Wells Fargo credit card. This charge was for a rental car that I did reserve but I was charged an additional {$300.00} " vehicle inspection fee '', a charge that I did not authorize and one that was over 3 times the amount of my original bill. When I filed the dispute with Wells Fargo, my credit card account was immediately restricted and I was no longer able to access my online credit card account. After following up with a Wells Fargo representative about regaining access to my online account and statements, the representative told me that " sometimes this just happens '' but he does n't know why. 

I eventually found out that my dispute was denied by Wells Fargo even though I did not and still do not authorize the {$300.00} vehicle inspection fee. I was told that the dispute was denied because the purchase was " verified '' by the company. I never asked for verification of the entire purchase. 

I recently opened a second dispute for this same unauthorized charge but I am still barred from using my credit card and I do not have any access to any of my account details or statements because Wells Fargo has deleted removed this account from online profile. 

Wells Fargo has infringed upon my FCBA rights forcing me to pay this unauthorized charge of {$300.00}. Wells Fargo has also infringed upon my FCBA rights by restricting my credit card account during 2 separate disputes.
I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.
On XXXX/XXXX/XXXX I was injured and could n't work and fell behind on my Chase mortgage. During the whole time that I could n't work I maintained contact with Chase and they told me that they were going to work with me. On Monday XX/XX/XXXX I went back to work and I contacted Chase to inform them that I would be making a payment. On Thursday XX/XX/XXXX I received foreclosure papers and when I called Chase they told me that they will not accept any payments and that they would send any payments back. I owed them XXXX that I could have easily paid them. So I hired a mortgage legal group to stop the foreclosure process and help modify my loan and they was able to stop the foreclosure but Chase would n't work out anything with me .So Chase sent more foreclosure papers out and I had to hire another mortgage group to stop the foreclosure and try and get approved for a modification or a repayment plan. Chase turned me down again and just gave me the run around when I asked for an explanation for being denied. I spent XXXX or more with XXXX home mortgage companies trying to save my house when chase could have just accepted my payments. In the meanwhile my mortgage is getting farther behind and I could n't go get a loan to catch my mortgage up because its showing up on my credit for being late so I had to file for bankruptcy to stop Chase for foreclosing on me again and during bankruptcy they still would n't modify my loan or offer me a repayment plan. During this time I have continued to pay my house payment along with {$200.00} to {$400.00} extra per month. When I realized that my back payment was not decreasing I contacted Chase and was told that they were holding the extra money because they could n't apply it until they received a full payment. In the mean time my note is increasing further and further behind. Each time I contacted Chase they would tell me to re apply and to appeal my modification. Each time I was denied for different reasons. The only thing that they offered me is a short sale for my home. I am so stressed and tired of dealing with Chase that I 'm going to put my home up for short sale.
Equifax was hacked and my information was compromised in the incident. I now have more reason to fear identity theft may be in the future.
I ordered a TV from XXXX XXXX in late XX/XX/XXXX and paid for it using XXXX XXXX ( TD Bank ). When it arrived, the screen was damaged so we received an XXXX to send it back, we also ordered the same TV again. XXXX XXXX received the TV on XX/XX/XXXX which I confirmed in a phone call with XXXX XXXX. I inquired about the refund and they said it would process in 7-14 days. The charges still appeared on my XXXX XXXX ( XXXX XXXX ) account so I called XXXX XXXX again but they did not have any information because the warehouse processes the refunds and they only communicate using a computer system. I submitted a dispute for the transaction on the XXXX XXXX website on XX/XX/XXXX and followed up on XX/XX/XXXX but they could only say that the back office department was reviewing. I received multiple letters between XXXX and XXXX ( no company name or address on the letter, just Customer Service Department XXXX XXXX XXXX, XXXX, NJ XXXX ) stating they were working to resolve my claim. The last letter dated XX/XX/XXXX was actually on TD Bank letterhead ( XXXX, NJ ) and stated they are still investigating my dispute claim. I called XX/XX/XXXX after receiving another statement showing the charges had not been removed. I spoke with XXXX who said that XXXX XXXX ( XXXX XXXX ) had still not received a response from XXXX XXXX to confirm I had returned the merchandise. I asked to talk to a supervisor and XXXX was very rude and told me they couldn't refund my account because XXXX has the money and gave me some spiel about their agreement with XXXX. I expressed my frustration that it should not take this long when a simple call to XXXX would confirm the merchandise was returned. After talking to TD Bank, I called XXXX and talked to XXXX who confirmed that the TV was received XX/XX/XXXX and could not tell why the refund had not been processed. I was again told that there is no way to talk to the refund department but she would submit an escalation. This is definitely the worst experience I have had with a retailer and finance company.
Hi : I have leased two XXXX  from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment '' again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.
In XXXX XXXX I filed for a Ability to benefit discharge request with XXXX for my 2 federal student loans. fast forward to XXXX XXXX XXXX XXXX i received the FIRST communication about the request and that my 2 loans are now in default. ECMC ( the guarantor ) of my two loans paid XXXX off without my knowledge and put them into default. My loans have NEVER been late or missed payments. ( always have had an income based repay plan of {$0.00} per month or deferments ) When i received the letter from ECMC all i received was a notice of default. Nothing about my ability to benefit discharge request. I immediately got in contact with their Ombudsman who i spoke with in XXXX XXXX, XXXX and she told me i was sent a " borrower statement of intent '' and a denial letter in XXXX XXXX ( which i never received ) this Borrower form is supposedly crucial to the process of the discharge requests and since mine was denied, i have to either ask for a dept of ed appeal or acknowledge my loans within 30 days of this letter. This information was not received nor was it sent out with any sort of certified mail ( Why would you send something so important without tracking? ) The ombudsman sent me my file, told me to fill out that borrower form and return it to her as soon as possible ( which i did -- sent back to her on XXXX XXXX XXXX ) I asked for the Dept of Ed appeal. The form also specifically states if your appeal is denied your loans will be returned to their original active repay status and refer back to the lender ( which ECMC has refused to do/did not do ) I have a full paper trail proving the status of my loans prior to ECMC 's error ( they were not in late pay status or anything ) Now i have TWO collection accounts listed on my credit, has dropped over 100pts and cost us a home purchase. Dealing with ECMC is near impossible, they want money or nothing. I should not have to pay for their error. I want my loans put back to their status and back with the servicer and not as a collection account. I have tried going through the federal level ombudsman, i have tried going through the credit bureaus since they are reporting incorrect information. I refuse to try to " rehab '' my loans becuz they were never at the point of being close to Defaulted.
I am including a copy of the Borrower form, highlighting the paragraph. copies of my statements from XXXX showing i was on an Income based repay plan until XXXXXXXX XXXX XXXX ( amount per month is {$0.00} ) also an approval for a deferment until XXXXXXXX XXXX
I was exercising my rights as a consumer by requesting appropriate documentation verifying XXXX accounts from Portfolio Recovery. After several attempts over the course of 30 days, they failed to do so. Portfolio Recovery recently has been involved in legal matters regarding allegations of violation of various laws including the Fair Debt Collection Practices Act.
Equifax has failed to respond to several disputes submitted to them on the following dates : XX/XX/18, XX/XX/18, and XX/XX/18 it is currently XX/XX/18. Equifax also failed to notify consumer within 5 days for an additional 15 days of time. Here are the following tracking numbers for XX/XX/18 XXXX, XX/XX/18 via XXXX XXXX, XX/XX/18 XXXX none of these disputes have been responded to via mail or any other form of communication.
I wrote letters and call transunion about the recent inquiry on my credit report and they fail to investigate and help me with this inquiry issue
I was called on my cell phone at XXXX and left a voicemail to call back ( XXXX ) because they " needed my statement since I was a person of interest ''. I called back at XXXX, phone rang at least XXXX times before a XXXX XXXX XXXX picked up. He advised me the call was an attempt to collect a debt and our call was being monitored. I proceeded to get the company information from XXXX XXXX. The collection company was called High Point Asset Inc. ( http : //highpointassetinc.com/ ) and they were calling about XXXX pay day loans taken out under my name, which he repeated back to me, my social security number, which he repeated back to me in whole, and my home address, again repeated back to me in whole. He advised of the dates the loans were taken out and the last XXXX of the checking account used, I advised XXXX XXXX I did not have then or now a XXXX XXXX account matching those numbers nor did I live at the current address when the earlier loans were supposedly taken out. XXXX XXXX was very warm to speak too, kind. He said he would forward me everything they had on my account so I could go through the proper channels to dispute the charges. We spoke for over 30 min and he even gave me his extension number ( XXXX ) for me to call back to update him on my findings. Everything seemed legit other than the fact I never took out any pay day loans. He gave specific dates and amounts and company names the loans came from. He did only email me one collection letter, but no validation of debt. I mentioned to him towards the end of my call that in my field of work we have a hallway of dedicated lawyers so as soon as he could send me information I was going to take to them for review, about that time he told me he had been on the call too long and would have follow up with me later. I have since been trying to research this collection company, but all I find is that it is a scam. I have since called all XXXX of my credit reporting agencies and flagged my social for fraud until I know further.
On XX/XX/2017, XX/XX/2017, and on XX/XX/2017 disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
I 'm filling a complaint against Nu World Title XXXX, LLC at XXXX, Florida XXXX. ( phone XXXX ) On XXXX XXXX 2016, My wife and I sign the papers for a new house at Nu World Title XXXX. The signing was very cold and not very professional and the person assign to closing was n't either. After the closing and sending the funds to the attorney we did not get our keys to house until the next following week Monday afternoon. ON XXXX/XXXX/2016 our lender from XXXX. text me on my cell phone that we had to come in to the office and sign for a new disclosure papers. Because Nu World Title XXXX, LLC used their paper for the closing. Our lending agent XXXX XXXX tried to explain what happen but we look over paper but we decided not to sign anything until we see an attorney first. The Nu World Title of XXXX, LLc use other lending papers to closing our house deal. My next step to inform the Veterans Regional office of the problem.
I paid my mortage balance of {$1.00} in full via a XXXX billpay check on XXXX XXXX, 2016 to BSI Financial. BSI refused to apply my payoff to my account and instead continued to send me late fees XX/XX/XXXX on a {$1.00} balance!!! Upon speaking to a supervisor, I was informed that they could not apply the final payoff payment until I paid them {$41.00} to record the deed with the courts as PAID! I requested proof of this policy in writing which I never received. On XXXX XXXX, 2016, I sent the {$41.00} recording fee anyway so that I could be DONE with this crooked company who has refused to apply payments in a timely fashion for the last 4 years!!! Now, they refuse to still apply the final payoff of {$1.00} and refuse to complete the recording of my payoff with the courts and continue to send me late fees on {$1.00}! Why is this company still in business!!??
During my attempt to bring my loan current and prevent the amount to do so getting higher than that of the already difficult past due balance I asked a real estate broker for clarification on the information being provided by the servicer of my loan. The broker and I called a representative from BOKF na loss midigation dept that I have been actively working with but I could n't get the same answers to any of the questions that I needed to get answered in order to help save my home. During this conversation the broker started to make statements I was not comfortable with so I asked her to drop off the line and I did not want her help. After the conversation the broker called me and told me her and XXXX XXXX discussed my situation on a separate phone call, I was not present and did not authorize the broker to speak on my behalf or make any Arrangements with XXXX XXXX. I wanted answers to questions ... where do I make my payment, is it okay if I make my payment at the bank or something else that is the surest way to make the payment and be successful. 
By this time I had already attempted to make several payments to bring my loan current but in the end when it came down to making that payment somehow the information I was given was incorrect and delayed the payment. When I missed those payments it made my past due balance another month behind which added another {$850.00} to bring my loan current. It is hard for someone who is not working to come up with large amounts of money in a short period of time not to mention the additional payment which makes it even more difficult to come up with in order to bring my loan current. I do n't understand why someone could n't just tell me the place to make my payment the first time that I needed to make the past due payment. Once my payment was rejected because it was n't the full past due balance after that the other two payments we 're in for the past due amount. If I could n't make my payment the regular way because I was in default why did I not get another option for when I tried to bring my loan current where does the payment go that could have avoided my payment being rejected when I call 24 Hour banking service the man told me that I no longer have that privilege when I spoke with the underwriter who did my loan XXXX why did she tell me that I could make my payment that way after I told her my loan is in default and it is past due. All I wanted to do was bring my loan current and give them money but I could n't because I was not informed of who or where to make these payments that would end successfully with my payment in the hands of the bank. If the loan originator of the bank text messages XXXX XXXX with XXXX and then XXXX has a conversation with the real estate broker without my knowledge without me being on the phone the broker tells me that they just had a conversation about 5 minutes ago that I was not a part of that is not okay
In XXXX I followed the FTC 's links to freeze my credit. The link to TransUnion provided by the FTC links to a paid site that makes you create an account. When I went to freeze my score TransUnion asked for a credit card. At no point did it indicate that I would be charged a fee or be subscribe to a service provided by TransUnion. TransUnion then proceeded to charge me $ XXXX monthly. I called the company and after falsely stating there was nothing they could do, a representative agreed to issue me a refund. However, TransUnion refuses to give me a receipt for the refund, claiming nobody in the entire company, including the CEO (? ) has the ability to send an email detailing the refund. 

https : //www.consumer.ftc.govXXXX
A business debt of my husband XXXX at Wells Fargo was overdue and because of no contact from XXXX, Wells emptied my bank account and took XXXX. I called the Wells contact in their collections dept ( XXXX ) and she needed to talk to my husband and get permission to discuss adjudicating this account with me which was done. I told XXXX my rent check was going to bounce, I had XXXX kids under XXXX yo and I 'm XXXX. I offered XXXX/Month payment until I could pay more ( debt was XXXX ) and offered tax returns/paycheck stubs/income verification and XXXX refused anything less than $ XXXX/month. We paid off a larger ( $ XXXX in cash and in full XXXX years ago with XXXX! ), however, I started a small business in XXXX and have grown my family. My rent check bounced and added more money and less than a week after my conversation with XXXX from Wells they took another {$3100.00} ( which was to cover my rent ) and when I spoke to XXXX she said it was because she called my husband and he did n't call back ( her reason for taking the original {$2100.00} was due to no contact from my husband ), but I said I am the contact person I 've been trying to work with you. Is that the loophole You call the wrong person and no contact means take all our money I said I wanted to record our call and she refused to talk to me any further even when I said I would not record it she said she did n't believe me and would not/could no tell me legally how they could take over XXXX % of total debt due from a family of XXXX ( XXXX ) who made $ XXXX XX/XX/XXXX? Wells refused to work with us!
On XXXX XXXX, 2016 I submitted a certified letter to Equifax disputing XXXX inquires on my credit file that are 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 ''. I received a response back from Equifax dated XXXX XXXX, 2016 that basically states the inquires will remain on my credit file. Equifax failed to provide me with any information that an investigation was conducted or evidence was obtained from these companies that I authorized them to pull my credit. I do n't have any business dealing or business relationship with any of the XXXX companies I have listed. Nor have I given them authorization to pull my credit. I am requesting that Equifax remove the incorrect information from my file.
I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. 
I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. 
I e-mailed XXXX on XX/XX/XXXX but he had not responded. 
I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. 
I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.
American Express does not list the actual due date of my credit card statement. Instead, they put a " Please Pay By '' date that is early in order to trick consumers into paying off their bill early. This is extremely misleading and, frankly, predatory. Companies should be required to list the actual due date of a bill to avoid fees and credit issues - it is a pretty simple request.