WillisBack/dataset-financial-user-claim huggingface dataset:
The company netSpend has mailed me an unsolicited, unwanted personalized prepaid debit card, received today, XXXX XXXX, 2015. I have not ever asked for this card. It is unsettling receiving an unsolicited card with my name already personalized, and a sticker with phone number for me to call to activate it in my name. 

Calling the company requires interaction with an automated voice system and the only way to get to a person at all without getting kicked off the call is to select an option that is not for the reason I was calling. After several attempts to get to a live person, I pressed the number for " If your card is lost, stolen, or you 've never received your card ... '' Even then, the system reported that they were experiencing a heavy call volume and gave me options to hang up, select a time for a callback, or have someone call me back as soon as possible. I reluctantly selected a call back, but have yet to hear from anyone. 

Because I am very concerned about my identity records, unwarranted liability, and financial vulnerability, this has taken my time and attention trying to reach the company to scold them for sending me this card and demanding that they remove my information from their system. This business practice must stop! 

I am filing this complaint for the financial and privacy reasons stated, but primarily because of the stress of receiving the card in the mail at all and feeling that I needed to do something about it right away, although it is wasting my time to do so. 

Thus far, the company has prevented me from complaining to them about their actions and I find that grossly unacceptable. Their computerized phone interaction is unfriendly and dismissive at best, not allowing me to accomplish what I called about at the number they publicize on their web site and on the back of the card they sent. 

There is very tiny print on what I got in the mail giving information about how to decline the card offer and/or opt-out of future mail offers from netSpend. It is tucked away and does not address the problem I am reporting. I should not have to ask not to receive such mail with a personalized card enclosed. Something like that should never have been sent. I should not even need to go to the trouble of shredding the card and filing a complaint about receiving it.
I wanted to consolidate my students loans in XXXX, which i believed to be free. This company called XXXX XXXX XXXX XXXX or Equitable acceptance called me mid of XX/XX/XXXX and told me i could have my loans consolidated never mentioning any fees until the end of our conversations. So i give them my financial information and personal info. thinking everything would be free, which i found out recently that it is free to receive help consolidating my student loans. So they told me for them financing my consolidation my charge would be XXXX and i needed to pay XXXX dollars then as a down payment and i would pay XXXX a month starting XXXX XXXX. They told me it would help my credit and so i thought it was ok. But now i know i have been paying for something that is free. My student loans were consolidated XX/XX/XXXX. I have been paying since XX/XX/XXXX - XX/XX/XXXX. I am now paying my student loan payment on top of this payment.
I borrows {$1000.00} from Castle Payday and I have pay back {$1000.00} and the are saying that I have to pay back {$8700.00} to get out of this, The finance Charge are {$7700.00}, When I first ask for a loan it was for {$10000.00} and that was not ok so they sent me the {$1000.00} and starter taken out {$500.00} a month, they have taken the {$1000.00} out my bank, so can you help me because I do n't have that type of money I ret.
I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX XXXX  X/XX/16
they keep on harrassing for debt i do n't owe and threating me I have no business relationship with them I asked them for validation of debt they keep on harrassing me non stop.
I have been a Coinbase customer for approximately 6 months. No issues until I purchased a new phone and my authentication key was lost. I use a 2 step process for security purposes. At any rate, their process to have that XXXX requires a user to upload a picture of a valid ID XXXX both front and back ) before the process is started. My ID has my entire middle name XXXX XXXX XXXX instead of just my middle initial, which is how I established my XXXX account. 

At any rate, I have patiently contacted them on numerous occasions via email. Responses are simply cut and paste. At one point I was told that they were investigating the issue but have n't heard back. I attempted to call their customer service line numerous times and eventually was placed on hold by an automated service while waiting for a specialist. I literally sat for 1.8 hours on hold. 

I have a lot of money in my account and simply want access. 

Respectfully, XXXX XXXX XXXX
Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my  previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and  after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.
I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. 

They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.
Starting XXXX 2014, I signed up for repayment plan with Wells Fargo. For the next 8 months, even though I was making payments plus additional amount for my payment in XXXX 2014, they reported my account as 30 days to 60 days late to the credit bureau. They never told me this ; this is not right. Can you please ensure they correct this? Thanks
I had an account with XXXX. I had the account for a few years. At one point, a former friend of mine began working for XXXX and asked if he could join my account and we could both use his employee discount. I didn't really think that was a bad thing so I agreed. The employee then accessed my account without my knowledge or consent and added multiple lines fraudulently. I never noticed because I wasn't paying the bill. When I did notice extra lines on the account, I would ask him and he would always tell me they were his, for his tablet, or his work line, or something else. We would argue because I never allowed those lines to be opened, but the bill would always be paid and he always said they were temporary. Eventually, he was fired from XXXX and the bill went unpaid. I texted the other numbers on the line and a person confirmed that he opened her account on my line and she was paying him for the line. I cancelled all the lines and reported all the phones as stolen. The account was closed and the bill jumped to {$4000.00}. I filed a police report and filed a fraud claim with XXXX. The claim was denied solely because I knew the person who committed the fraud. I do not think this is fair. I can prove that I wasn't in a XXXX store to add those lines. I can prove my conversations with him where he continuously lied to me. I can prove what the other person on my line said about how he opened her account. I kept all of those conversations. I have a police report. I have time-records from my job that show I work in XXXX and no where near that store. There was never any authorized user on my account other than me. Crimes are crimes, regardless if you know the person or not. This bill was sent to collections and has now adversely affected my credit. With the derogatory mark, I am ineligible for federal student loans. I just applied to a XXXX XXXX that I can now not attend because I can't get loans. My credit is otherwise spotless.
My husband is a documented, XXXX veteran, retired from the XXXX. 
In XXXX, XXXX, we purchased a home in Texas where the law grants a 100 % exemption of property tax for 100 % XXXX veterans. 
Since the end of XXXX, XXXX, I have been talking with my mortgage company and sending them documents as requested, to try to get the property tax payment removed from our monthly mortgage payment. I 've also contacted my local tax office as they requested. 
From XXXX XXXX up to the present, the mortgage company has been charging us over {$500.00} per month for escrow payment for property tax. The payment still has not been adjusted and remains the same for XXXX XXXX, XXXX. 
This should have been corrected months ago, and I do n't know what else to do to get them to change it. I 've talked with them about this at least 6 or 8 times.
On XXXX XXXX, 2016 Synchrony Bank contacted my work at in regards to a Walmart credit card that I am late paying on and I have proof of the number and time of this violation as all inbound calls are saved at my work. This is a violation because I am not allowed to receive personal calls at my work. I work at a XXXX and they know I 'm not allowed to take personal calls while working in a XXXX on a XXXX basis. It 's a violation of my job 's policy. They did not follow proper procedures because they knowingly contacted me at a time they knew was inconvenient for me, regardless if I told them to do so or not. They have also been calling my phone with unknown caller id 's and leaving me automated voicemails to call them back. I have saved my phone records and voicemails for proof.
My checking account with PNC Bank had a low balance which decreased monthly due to the {$12.00} fee that was assessed each month. I went online to check the status and to make an online deposit/transfer on Monday XXXX/XXXX/2016. I did not see the account when I logged in. 
I called the XXXX # ( XXXX ). A representative by the name of XXXX XXXX ( interesting name ) advised me at XXXX EST on Monday XXXX/XXXX/2016 that the account had been closed and charged off. I asked if I should have received some communication before such a drastic step was taken. I was told that I would have received a letter or would be receiving a letter. I advised that I did not receive a letter and would not need one after the account was closed. I asked when does my account say a letter was sent. He replied that he does not show one was sent. He then offered to transfer me to a specialist to discuss my situation and I was transferred to a recorded message that said " your call can not be completed at this time, please try your call later ''.
A basic payday loan from Advance America have done it several times before. This time around the XXXX of the month I receied an over draft notice from my bank. ( {$300.00} ) causing several checks to bounce. Normally I go into their office and pay what I owe. Due on the XXXX of the month. So deep into the month I thought no more about owing them. When his happened it caused chaos ; I sent a fax message to this manager advising what had happened. I heard nothing more from them. Except a credit from them for {$300.00} appeared in my account. When I took out this loan we discussed the payment date. Which was the XXXX of the month. On XXXX XXXX there was a withdrawal from Advance America which caused problems for me. On the XXXX when they attempted to withdrwal the funds there was a Retry note stated on my bank account. My fax asked what did that mean. Never got a response. I 've told them I expect my fees to be paid. For there was no reasom for their actions. They had a check they used to cash it on the XXXX. I have no idea what Retry was about. I am nt disputing any debt that may have been owed, Frankly I do n't quite remember. But what they did was fraudulent. I 've been their customer for 3 years. This time their XXXX female manager had issues about my pay day date. We settled on the XXXX. But their withdrawal occurred on the XXXX Part of our discussion was if the XXXX Loan was a 30 day loan? My loan was under 30 days taken out! Please be advised that I am deaf. The easiest way to communicate with me is by email, text or USPS.
Back in XX/XX/2018 I noticed that a collection agency by the name of Portfolio had listed a {$480.00} as a result of them trying to collect a balance on a credit card opened fraudulently with XXXX XXXX Bank. I have already submitted proof of this fraud and my FTC identity theft report to all 3 credit bureaus and they have removed the XXXX XXXX account from my profile. I need this to come off to because the account is not mine and was opened fraudulently. I am requesting to have this debt removed from my credit report immediately.
Our closing dates have been changed 4 times due to the incompetence of our lender. He has used many excuses and not taking the blame himself for the wrong doings in the transaction. He does not communicate and when he does he sent an email close to the end of a XXXX or towards the XXXX hour does not return phone calls to myself our real estate agent or the listing agent. 
He demanded that we XXXX  insurance due to the home being in a flood zone. We were originally going with conventional loan and 3 weeks after ... 3 days before we were set to close he changed the loan type to fha which delayed us again. 
He has costed us XXXX in feed and rent to stay were we live now, we've had to cancel 4 times to get a moving truck and to get the carpets cleanee. 
The sellers were to close on their new house on the XXXX. If hounding move in on the XXXX. It cos4s them.XXXX a day. 
He keeps.asking for documents we've already sent him, he asks for checks we've already given him. 
We had an appraisal done and I paid XXXX. And he said that its no good since we changed from.conventional to XXXX, he told us we need to get a new appraisal done for an fha loan. 
He also.told us we couldn't waive the 3 day waiting period. 
Now tonight we docs were supposed to.go.to.escrow so.we could close on the XXXX, he said state had the pain amount wrong and we couldn't sign till.wed and wed have to close on Monday of next week due to the holiday. 
It's now 5 times we've delayed closing. 
He waited till XXXX XXXX  to.send documents over to.escrow.. 

XXXX XXXX commerce home.mortgage XXXX WA
I 've sent 2 debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.
I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018..
XXXX XXXX XXXX XXXX : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please
I have a TJX mastercard through GE Capital. I did n't sign up for or request to receive e-Statements. However, I somehow was told I did. This happened when I got a paper statement from a collection agency As soon as I realized that the payment was missed, I asked them why and they said I signed up for e Statements. I did n't. The email address they had on file was n't even mine. I was able to get them to reduce but not forgive the late payment fee. It did n't occur to me that I would be rated XXXX days late. Now they are telling me it 's my fault it was late since I should 've remembered I owed them. This XXXX-late is the only blemish on my credit report. I was an error on both parties -- - I guess I should 've remembered and mailed a payment ... but they still had the incorrect email address and I did n't opt in to the e-statement.
I had a credit card from Kohls Department store that was charged off. The amount owed that 's displaying on my recent credit report is untrue and inaccurate. XXXX different amounts due are be displayed. I never received any letters or notification that this account has been charged off and closed, including a large amount of past due that I 'm unaware of. I believe Kohls Department store purposely distorted the balance on their company 's behalf and now I have to suffer consequences that are untrue to me. I feel upset and in distraught and this balance due to not threaten me to have future occurrences hold me back from increasing my credit score.
I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected onXX/XX/XXXXand then on XX/XX/XXXX they add the negative information back to my credit report again.
Although I have submitted to the collection agency documents that prove I have paid this debt, they continue to send documentation concerning debt that I do not owe. I also was informed by my current landlord that I should not have included them as beneficiaries on my apartment insurance. The fees they are trying to collect are fees to their insurance company.
My son, an authorized user of my Barclaycard ( XXXX ) account, disputed two fraudulent credit card charges ( {$130.00} and {$73.00} dated XXXX XXXX at XXXX XXXX and XXXX XXXX respectfully ) in the early days of XXXX, I think it was XXXX XXXX. Although my son visited the establishment earlier in the day, he left at XXXX XXXX. Towards the end of XXXX we received two letters from Barclaycard, one requesting additional information and the other denying the dispute. Copies of the card transactions of the disputed charges show neither was signed by him.
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On XXXX XXXX we responded to the request for additional infomation with a dispute form stating that the transactions were not signed by my son or I. On XXXX XXXX, Barclaycard denied the claim again and will not reopen the case.
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On Barclaycard 's website it states : Barclaycard provides fraud protection and monitoring on all of our credit cards to ensure the security of customer information. All customers are also covered by our {$0.00} Fraud Liability Protection - which means you will never be held liable for unauthorized transactions.
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Clearly this has not been the case with our experience.
I am unable to obtain my credit report or dispute items online with Transunion. I have called time and time and no one can seem to help me. They continue to refer me to XXXX and guess what? I ca n't get my report online there either. Calling the customer service numbers is just as equally frustrating as it is obvious that the call centers are offshored to XXXX and I have a HUGE issue with that. Not only can I not understand them, anytime they are forced to work offscript, the customer service reps can no longer help. This industry is the most outdated, unreliable, and draconian of industries that I have ever had to deal with. Unlike our judicial system where one is presumed innocent until proven guilty, the credit reporting industry is the opposite. Guilty and you must prove yourself innocent. So much reliance is placed on credit in the United States and yet the system is BROKEN!!! Not only that, outsourced to countries that probably do n't even know what the concept of credit is!!