WillisBack/dataset-financial-user-claim huggingface dataset:
This is a new complaint filed on behalf of a previously filed claim which is still unresolved. ( Case # XXXX ) In short we attempted to refinance with Wells Fargo back in XXXX of 2013. We were given a " good faith '' estimate of 45 days once we signed on and our rate was locked. Fast forward to 120 days and it still had n't been completed with no end in sight. The finishing point was repeatedly changed throughout the process and we were given false hope such as telling us the refinance would be ready to be signed and finished on a certain day. Then that day would come to pass without hearing a peep from them. In the time that was wasted by Wells Fargo we had lost 3 months of savings from our attempted refinance from their original " good faith '' estimate. In the previous complaint in their initial response Wells Fargo claimed that they did a " thorough search '' and the refinance was " appropriately handled '' and that they would look further into the matter if I provided them with additional information such as a social security number or the names of the people we worked with. I spoke with them by phone prior to their initial response and I find their claim of doing a " thorough search '' comical considering they could have asked me for the additional information before coming to their conclusion. Since I provided them with the additional information they requested it has been about 2 months. I have received I believe XXXX letters of delay and it does n't seem like they are interested in doing their due diligence on this matter. Just the same as they did with our attempted refinance.
Honda Financial Services XXXX misapplied car loan payment to a closed lease account. This caused all subsequent payments to be considered late and fined for delinquency. I continued paying more than minimum payment to catch up to what Honda was considering late. However, the late payment fees continued and another misapplication of payment in XXXX led to threat of car repossession. Loss of income resulted from having to research and dispute matter with Honda. Additionally, credit score affected by 7+ months of Honda marking payments as late. Physical proof of all mentioned here is available for review. 

Honda has made it additionally difficult to rectify this matter as they are only open XXXX - XXXX and will not allow clients to speak with supervisors when calling Customer Support. Clients are instructed that supervisors will return calls at a time that is " convenient for them. '' As these calls never took place at a time when I was available to speak with the company ( I was XXXX ), the company made it impossible to speak directly with a supervisory rep to rectify this matter.
I have requested that Experian ( EX ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. EX is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, EX stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to EX. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EX filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EX continues to report XXXX/XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EX continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years I am requesting that EX permanently report my correct file date as confirmed by XXXX. 
I am requesting EX method of verification. 
I am requesting EX update XXXX XXXX account and XXXX account.
I would like to thank you for your time to review my complaint about my horrible experience with CITI customer service XXXX XXXX representative providing wrongful information to me. My name is XXXX XXXX, I called CITI bank to ask about the dividend card that my grandfather loved and to see if I can pre-qualify since I didnt wanted more hard inquires since Im planning to buy a house next year. The represented informed me that the dividend card is not available anymore and that are better options. And he fallowed by informed me about the Citi ThankYou Preferred Card and the Citi Double Cash and wish I wanted the preferred and we went on to talk about pre approval. And he told me to apply for a secured card and call in so we can do a product change ones I had the card. So I did, and called after everything and then I was told I had to wait for 18 moth for a product change for a secured card to the preferred card. So I talk to a supervisor that told me I was getting a call back in 48h and nothing social media ... same response and nothing so I called again and was giving a fax number.. So I send a fax and nothing.. So Im sending this by mail. My information contact information is bellow and a copy of my drivers license is included. Even though there are other choices available in the market, I prefer to be CITI since is something that my grandfather always used your rewards program and love it. I kindly request you to review my case and get in contact with me and expect a positive outcome so I can enjoy banking with Citi and we grow together.
I have been dealing with Transunion for early 18 years plus they constantly have two separate credit files and refuse to merge them together reporting inaccurately and keeping old information, I got a recent copy of my credit report and as usual two separate files that should be together but are not. Therefore giving me a score that is low and causing me to be constantly denied. For a car loan, house or insurance and causing me financial crisis.
I had around XXXX dollars in my account. I wrote checks to cover bills. XXXX check was written for {$830.00} and the other was written for {$34.00} to XXXX XXXX XXXX checks went to US Bank on XXXX XXXX. The agent for the bank misread the checks. They thought the check for {$34.00} was fraudalent and returned it to XXXX.US bank cashed the other check for the wrong amount for XXXX 
I had written other checks thinking there would be no problems that also went through and US bank cashed them,, A few days later XXXX XXXX XXXX sent the check for {$830.00} through again. This time US bank cashed the check knowing I did not have enough money in my account to cover the amount. They coldly cashed this check ( with not enough funds in my account to cover it and I had no overdraft protection ), they charged me an overdraft fee of {$36.00} and a fee of {$25.00} for over limit fees. This took my checking account to - XXXX 
Seeing this improper behavior of the US bank system I called them and stopped payment on XXXX more checks. My account was overdrawn so I did not want anymore charges. US bank still took in a few more transactions they knew I did not have funds to cover and charged me more fees of {$36.00} and {$25.00}. This took my account to a negative XXXX Again, US bank knew I did not have funds in my account to cover any transaction! 
Days later I received notices from US bank acknowledging my stop payment transactions. I saw a check for {$62.00} that I had stopped payment on. US bank cashed this check in spite of my stop payment. This unscrupulous bank behavior has my account now overdrawn for XXXX Banks are supposed to serve customers not prey on them for fees! These bank behaviors are predatory and should be stopped! 
XXXX XXXX XXXX ( Nevada resident )
Was told debt sold to midland  and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by midland. XXXX XXXX   a # XXXX XXXX XXXX  a # XXXX
I had found out that my husband was paying to a collection company called SIMM Associates Inc. for about XXXX years. XXXX had a XXXX mortgage through a Company called XXXX XXXX, then the Company was sold to XXXX. My husband and I have had XXXX problems ( XXXX XXXX etc. ) We last paid on the loan thru XXXX XXXX on XXXX/XXXX/XXXX. Our balance at that time was {$35000.00}, our annual percentage rate was 6 %. When XXXX XXXX took over we made payments until we could n't anymore. Our last payment XXXX was XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX made a Charge off/Default on XXXX/XXXX/XXXX. Approx, XXXX yrs. ago, a Collection agency called Simm Associates , Inc . bought our loan for I 'm guessing 'pennies on the dollar '. I did n't understand why my husband was uptight all the time until I discovered this horrible Simm Associates. I called them and talked to a rude 'manager ' named 'XXXX ' I talked to him about the loan asking him why we have a statement from them showing we have a balance of {$110000.00} that we owe them pointing out that last paper I looked at that we had a balance of under {$36000.00} and that my husband had been paying Simm Assoc XXXX {$160.00} a month for XXXX years! He told me first off he wanted me to know that we could or not be conversation recorded. I said ok., like that 's going to scare me. I asked if he would negotiate for like {$13000.00}. Just a # I through out because I realize now, we owe less than this, I believe. He said sure, pay it in 1 month or 'short sale ' your home to pay it, or keep paying them I think was the XXXX thing. I told him it would cost us more rent than are mortgage now 'Short Sale ' our home! I got upset about the way he was speaking to me and reminded him I was on the line to solve this issue. He reminded me that he was recording the call and I told him " Ditto ''. He instantly got mad and said " you never told me you were recording our conversation " and hung up on me, I recently talked to a lady there named XXXX XXXX and asked her why her collection agency was charging me so much and she told me and I quote '' {$14000.00} in fees and {$63000.00} in interest! This is hiway robbery! I have learned 3 things, 1 XXXX from my Bank yesterday- this is no longer officially a second mortgage after it went to the collection agency, so they ca n't threaten to take my home 2 ) I did n't know where to turn to for help XXXX our bank ca n't help us because our credit is ruined and they feel the high interest they would charge us would take XXXX yrs. just to pay it off ( {$13000.00} XXXX. 3 ) Do n't hide things from your spouse. I ca n't believe I did n't know or he was to ashamed to tell me! Now I know why he has XXXX problems and 'why ' he 's always angry. I have tried to call XXXX XXXX XXXX XXXX to see if we can settle through them. They have there own Loan Default Department. I have tried the Dept 's XXXX number but it says that our loan has been sent to Simm Associates Inc. Please help. We owe the money for under {$30000.00} we admit that. We need HELP!
I have been trying to modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan.
I am having difficulty shaking Citibank interest charges, and their incompetence is perpetuating the problem. 

I sought to make XXXX payments to my citibank credit card account ending in XXXX today, on the closing day of the billing period. It is necessary to pay before closing date in order to avoid interest charges. 

I made XXXX separate payments. I attached the correct payment stub to each check - see EXHIBIT A. XXXX checks, XXXX payment stubs. The payments were Personal Check XXXX for XXXX made payable to Citibank XXXX, Business Check XXXX for {$1200.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT B ) and Business Check XXXX for {$7700.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT C ). 

The payments were tendered to the XXXX, IL branch of Citibank via their night drop slot. As of midday today, they had not posted to my account. I called the branch and they erroneously stated that the deposits would not be visible on the Citibank XXXX website until next day. I knew this claim to be false because previous payments have appeared immediately. I asked XXXX and XXXX to fax me deposit receipts. I must have called between 5 and 7 times. They said they would provide receipts, but they failed to do so. 

After the branch had closed, my deposits appeared in the wrong account. See Exhibit D. Despite the checks all having the account number on their face and despite the fact each check had a payment stub with the correct information on it attached, they deposited my funds to the wrong account. INCREDIBLE! 

I called the Citibank call center and explained that the mis-posted payments would result in me incurring & gt ; {$1000.00} in interest charges which would not be incurred had the branch employees been incompetent. I asked them to transfer the payments to the correct account. They responded that it would take 2-3 days to process the credit. 

I do n't know how Citibank employee compensation works. Could it be that Citibank rewards employees for generating interest income? Could it be that the employees had an incentive to post my clearly-labelled payments to the wrong account? I have no way of determining that. But I do notice that statements arrive later in the month when I am carrying a balance than they do when I am not. It seems likely that Citibank intentionally delays statement mailing to maximize interest charges. 

Back to the current problem : Citibank clearly made a HUGE error here. I need them to post my payments to the correct account effective XXXX/XXXX/16, not two or three days hence. And I need them to reverse any interest charges which appear on the statement which will be generated this evening.
Same old same old- just recording for legal purpos es. Info  rmation never correct even after dispute. I check with lenders and they CLAIM they have rectified it.   XXXX   did not allow me a dispute again. Lenders claim they " were '' not notified by  XXXX . My core has not gone D O W N even with numerous co rrections.
Hello my name is XXXX XXXX, I went to XXXX XXXX and have been attempting to pay my loans down and get better interest rates. I have a situation that I may need help with. I figure I 'll give you the info and you can help guid me from here. I refinanced some private student loans from XXXX ( navient ) to XXXX in XXXX of 2015. Everything funded all was well, but in my account login for navient under that same account number it shows I still owe XXXX ( rounded down ) on that account. I verified that the amount XXXX funded was total loan amount. I can only conclude that they made an error. I have contacted them with my concern once in XXXX. Not hearing from them I 'm or seeing any difference in the account I need to address this before any more time passes. I messaged them again inquiring what the deal is but I 'm paying interest on a loan that is already consolidated. I do n't know how exactly to proceed. I could use some guidance if this is an issue you can help me with. 

Thank you, XXXX XXXX. 

Sent from my iPad
I was contacted by Midland Funding LLC for a debt of {$700.00}. After paying my debt of {$700.00}, they filled a lawsuit against me. Every time I call their office, I speak with a person not of American decent that can not connect me to management. The only way that I found out that I have a court date on Monday, XXXX XXXX ( NEXT MONDAY ), is because my parents called me to tell me I have a notice to appear in court. I have n't lived there for years and the company has my address on file because they keep making me repeat it for identification purposes on the phone.
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$4500.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine
I signed up for a PayPal account back in XX/XX/XXXX/XX/XX/XXXX and somehow they gave me a {$500.00} credit line. I did n't want this line of credit, I did n't need it, I did n't ask for it or could I afford to pay another bill. I thought all the purchases were going to my credit card. When I got a bill I was unsure what it was ... because I did n't sign up for anything, I just thought it was a statement. Then I learned it was a credit line/bill I immediately called to have it transferred to my card which they would not let me do. I have emailed and emailed, called & called ... with no help from them. They added all sorts of ridiculous fees. I have taken time from work, have received calls from collections and too other many headaches to mention and now I am fed up. I saw where they have an action against them now and I have proof they were shady ... how can I go about getting fees back, compensation for time and effort/headache and restore my credit? PLEASE HELP ME AND INCLUDE ME! I can provide emails, statements & maybe pull a call log via XXXX, if that 's possible. I even tried calling them today and they claim they ca n't find me ever having an account. They refused to transfer me to anyone above the call center.
Portfolio Recovery another XXXX agency like XXXX and others who have been fined millions, probably the same, XXXX XXXX XXXX XXXX, is charging me for a debt I do n't even know about. The bank is not even in existence. How can you charge on a debt from a bank that does n't exist? I want this {$500.00} and something removed from my credit report, all credit reporting agencies.
USAA has treated me in an completely inexcusable manner since XX/XX/XXXX/XX/XX/XXXX of this year. My phone was hacked and deposit were made between my linked bank account with USAA and USAA. I received a completely new phone. Show USAA that I had ordered a new phone and turned my old phone in still they continued to called a fraud and state that I was committing bank fraud. They told me I was lying and their representative actually had me sobbing at her unnecessary and unfunded idea that I committed fraud. After that I spoke with USAA almost constantly. I agreed to make payments to pay down the debt of {$50.00} bi-weekly. On XX/XX/2016 USAA said the account had been paid off. The statement online show this. They issued me a refund check for the amount of overage. Yet today when I called on XXXX I still did not have full access to the website. In my attempt to correct this I received at least XXXX transfers. Each transfer gave me more and more incorrect information. I was on the phone with them for a total on XXXX hour. Finally I demanded to speak to a XXXX who was able to resolve the issue. I was bounced between web banking and accounting and checking department. I was told there was still a block. I was told I needed to open another account. I was told time and time again this was the wrong department. This entire experience was made horrible my USAA who continued to ignore me as a customer. Ignore my legitimate claims that the transfers where not by me. Simply a virus that got into my phone. Even with provided proof from XXXX and my cell phone provider that I had gotten a new phone and errors occurred with the previous phone they did not listen. I experienced this same. Well it 's all your fault attitude from the company told as I explained to representative after representative that I had paid the account.
I did not get a response and it 's been months. I just want these hard injuries off of my credit because I did n't try to open the accounts they have listed.
My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.
Per my statements, starting in XXXX, XXXX XXXX XXXX began implemented a minimum monthly charge without notifying me. Since I had not made any purchases using this card I was not checking my online account/balance. I was unaware and the minimum charge subsequently resulted in 3 months of late fees and delinquency which is now noted on my credit report. I already had 2 months of delinquency on this account so this extended period of delinquency has resulted in my FICO score dropping 120 points. XXXX XXXX XXXX did refund me the payments I made for the late fees and minimum charge ( {$7.00} ) but the delinquencies have not been removed from my account. When I contacted the company about this they had obviously realized their wrong doing and terminated the monthly minimum charges. Additionally, I had been enrolled in automatic payments for the minimum balance due back when I used the card more frequently but they were no longer being completed.
Transunion, XXXX and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.