WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of the worst customer service credit card, Macy 's. 
On XXXX XXXX, 2010 I spoke to XXXX XXXX XXXX from Macy 's Customer Service were I inquired about phone calls I received indicating that I had a delinquency in my account. She informed me that there was a {$37.00} charge pending payment and I expressed I did not recognized the charge as been my purchase. I also expressed my complete frustration with Macy 's Customer Service because I never received my credit card statements and I had called more than XXXX times to correct my address but always got a Customer Rep from XXXX and not even dictating every single word never got my address corrected. I had to go to the store every month with my receipts to pay in full my credit card. She indicated that my statements came back to Macy 's as undeliverable mail and corrected my address once again. She sent me copy of the {$37.00} receipt ( finally I receive something ) and I still did not recognize the purchase for which reason as she explained I should do ; I sent a dispute via fax to Macy 's XXXX disputing the {$37.00} charge in my account indicating I understood it was fraudulent and requesting an investigation. I also mentioned my complete dissatisfaction with Macy 's very poor Customer Service. Evidently, Macy 's was negligent in processing my dispute and investigation as I ended up with a collections/charged-off account for the first time in my life which has damaged the excellent credit I have been able to build up with many sacrifices over the years. This is a burden I now carry that is impeding me to refinance my mortgage because of my credit being damaged in all three major credit bureaus. 

Needless to say, I am a very responsible and thorough person with all my debts and have never had issues with other lenders where I have over XXXX in credit and all my accounts are paid as agreed. And I would definitely not neglect my credit for a {$37.00} charge!! 

I have been in contact since XXXX XXXX with both Macy 's and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX who now owns my Macy 's account and even XXXX XXXX the collection agency XXXX issued a dispute of the collections/charged-off account to be taken out of my XXXX credit reports. But today is XXXX XXXX and Macy 's has not solved this issue and I still have not been able to refinance my home! 

This has been a nightmare that has no end and Macy 's needs to be held accountable for the damage they cause to clients who like me have a damaged credit because of their own negligence.
I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions. 

I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions. 

I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment. 

In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.
Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF CREDIT!!!
I have a signed and notarized paper on a credit card that was taken out in my name and the debt was drop and was told it would be taken off my credit report to all XXXX credit bureaus and it still remains there, the company said it would send to all XXXX and would be dropped in 30-90 days and that was XX/XX/2011.XXXX never did this for me in the 2 and half years I hired them, please help me with this matter.this is hurting my credit
When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
bank of america lied to us about doing a home loan modification .we were told at the very begining of the process that our interest rate would be lowered.and it would save us money each month.but actually what they done was add 20 more years to a mortgage the we owed 20 years on so this put us owing 40 years total and only saved us about XXXX dollars a month .they told us we had to sign the paperwork or they would foreclose on the house.during the process they told not to make a house payment until we was approved .so afterwards now we are 4 months behind i kept telling them if this was going to add years to our mortgage i didnt want it but they insisted they would lower our interest rate they lied to us and forced us to sign or said they would start foreclosure procedures on us.this is so ridicous who would ever do a home loan modificatin to save XXXX dollars a month to add 20 years to their mortgage .i looked it uo and online alot of people are complaining about bank of america home loan program .im also contacting the attorney general here in tennessee and filed a complaint with the XXXX.we also will be seeking a attorney on this matter.its not fair to lie to someone like that. if they would have been truthful from the start i would never had started the loan modification .i think the federal government also needs to look into this since bank of america took the bail out and not trying to help consumers but punish them.
There are a total of XXXX OPEN Accounts being reported with this company : 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.
I applied for an auto loan at OneMain Financial on XX/XX/2019. 
I was called that the loan has been approved after reviewing all the documents sent to them. 
I live in XXXX and the Car that I found was in XXXX PA where the OneMain Financial is also located The bank called me that the Loan has been approved and I should come sign the documents and pick the car immediately. 
I told them I will come the next day. 
I took off at work and called the car dealer car dealer to let them know we will be coming the next morning The next Morning I started the 4hrs30 mind journey, The bank called me to ask if I am on my way already, i told them yes i am on my way with my wife and kids ( XXXX old and XXXX old ), And she said we are waiting, she said to come with my insurance card and I told her I will do. 
Few minutes later, after driving for 2hrs45mins, the car dealer called that he doesn't understand what the bank is saying that I have to call the bank, He said the loan is not Approved. 
I immediately called the bank and they told me they are sorry that the loan is not approved because of some documents I was in total shock, Not because the loan was not approved, But because they asked me to come, and I took off for the day and have my family in the car, on the road for hours. 
I was told sorry and I had to drive another 2hrs45mins back home My kid took ill and my car broke down on my way back. 
It was just a terrible day for my Family.
Enroll in saving program of Netspend full-out direct deposit form was email receipt of deposit tried to check balance and have receipt of no balance negative XXXX on receipt but bot deposit available balance shows up in account XXXX routing XXXX XXXX XXXX XXXX expiration date XXXX CVS XXXX registered with XXXX card ending XXXX XXXX. XXXX balance FDIC insurance company
On XX/XX/2019 there was a credit balance on my account of {$180.00}. I tried to contact HSBC customer service several time but sometimes it goes to XXXX, other times it goes to XXXX  and they put me on hold. I have to wait several minutes to get to speak to someone and they again put me on hold.

One of the worst customer service.

I should have received my check two weeks ago. Never received my check.
Yes I have filied a identity theft to the XXXX credit reporting companys. I got 1 response to 1, the other 2 have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My XXXX complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what
my name IS XXXX XXXX ( XXXX ) XXXX born XX/XX/XXXX MY SOCIAL SECURITY NUMBER XXXX I HAVE ONLY LIVE IN XXXX XXXX FLORIDA SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA THEN IN XX/XX/XXXX XXXX TO ( XXXX XXXX XXXX XXXX WHICH WAS CHANGOD TO XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I HAVE ( NEVER ) LIVED IN XXXX FLORIDA MY NAME XXXX XXXX ( XXXX ) XXXX -- -- -- NOT -- -- - ( XXXX ) see my XXXX XXXX XXXXXXXX XXXX RECORDS BIRTH IN XXXX. SOUT CAROLINA THANK YOU XXXX XXXX XXXX ON XX/XX/XXXX
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
I have been repaying my student loans since graduating from college ( no small feat - a sum that is now about $ 600+ every month ). XXXX are federal ; the other XXXX are serviced by Navient ( formerly XXXX XXXX ). 

My complaint is as such : For over a year, I have been requesting that, as a consumer in good standing with great credit, my father be released as cosigner from my loan. XXXX XXXX ( and then Navient ) has had me jump through countless hoops - the first of which is, of course, being able to get past their customer service. Every time I have begun this conversation with them, I am told that for reason " X '' I can not release my father as cosigner, but to call back in 2, 4, 6 months. 

Upon my latest call with Navient, I reached wit 's end. Whilst his colleagues said I would be eligible in XX/XX/XXXX, then XX/XX/XXXX, etc. etc., he told me I am ineligible on the grounds of not making " the required consecutive on time principal and interest payments. " I am not one to complain or lodge accusations against others, particularly financial institutions. But Navient has mislead me, made it inexplicably difficult to discuss my greivances, and ultimately removed any faith I 've had in their institution as a whole.
Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.
I am the cosigner ( parent ) of a student loan with the company American Education Services and have been getting bills in the mail for approximately 2 years telling me the loan due date and amount due. I then pay the bill online through ACH payment. I recently received a late payment of {$2.00} and was threatened about being in default. When I called to have the late fee removed I was told that they had to ask for permission through a formal procedure. I received a letter in the mail about 2 weeks later stating they they were not going to remove the late payment charge. When I called and inquired I spoke to agent # XXXX and was told that because the payment was initially late they were not going to refund it. At this time I was told I could make a complaint with them in writing. 

I do not understand why the late fee was not removed and have no desire to file a written complaint as I know it would not change the result. This was an honest mistake as a direct result of them not sending out the bill. Also, I have never had a late payment with them before, and they do not allow for automatic payment of the bill making it much more difficult to keep track of. I am XXXX years old, have excellent credit and over the years have made several mistakes which resulted in late payment charges. There has never been an incident where the late charge was not subsequently removed upon request. 

I believe these predatory companies should not be allowed to get away with this. If I was not looking out for my daughter there is very little chance that she ( or anyone else her age ) would have the wherewithal to stand up to these type of companies. This is not a great deal of money but it is the principal. It is disgusting to me that this company would not refund a {$2.00} late fee. They are making an enormous amount of money off these students as it is with their inflated interest rates.
American Express advertises " Earn a {$100.00} statement credit after you make a Delta Purchase with your new card within the first three months ''. I called both Delta and AmEx and verified the validity of the merchant, " XXXX '' and made a qualifying purchase. Now, AmEx Rep XXXX XXXX XXXX says the purchase is invalid. I say this is a bait and switch.
Afni is attempting to collect a debt by mail that I am certain I do not owe. It is for a XXXX account and I have never had a XXXX account.
I have been contacting Equifax, XXXX and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
I have a credit card with US Bank. I made several attempts to pay the balance via telephone and internet. Phone kept on hanging up and internet log in did n't work. 
After I finally got to talk to somebody the bank charged me {$170.00} dollars in fees. And because I was 21 days late I am sure I was reported to credit reporting agencies. I feel I was treated unfairly paid my balance and close the account.
My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved.
First this law office led me to believe he can collect, he is not can not do this in New Jersey, I ask for the account to be validated I do not agree with the amount, I was willing to pay the assist agreed now in the letter he says he will still sue? this doctor was not the doctor that did the service, he was a back up which to discharge my wife and he was not in our plan. I did not know this I feel the real doctor should pay him due to the fact he was already paid for the service with my Ins.
PNC Bank reports to credit bureaus that a checking line of credit is charged off. 
The account was paid in full, and the amount was also disputed from 2013. The account is paid in full, and PNC Bank can no longer report it as charged off, due to the fact that legally the term charged off is an IRS tax reporting issue, and the STATUS is now INCOME, and PNC is required to pay taxes on it. It is no longer charged off and it can not be reported as such to the credit bureaus. When the agreement was made with PNC to pay the DISPUTED amount, in full, PNC made direct promises that the account would be reported to credit bureaus as PAID IN FULL. Legally it is no longer classified as charged off.
On XXXX-XXXX-2018 I ordered TransUnion credit report linked from free reports US government. In order to obtain a FICO score, you are forced to give credit card or debit card for perpetual drafts against your account-about 350 dollars a year. You can not cancel this service, the XXXX number is busy or refers you to circular XXXX. 

My problem is that this is linked from an official US Government website. 
This is nothing but a XXXX type scam. 
This is one of our major player credit reporting company running this scam to get a few bucks from poor/disabled.ignorant people.
I paid my XXXX minimum required payment for my Macy 's XXXX account by the due date. Macy 's incorrectly posted the payment to my Macy 's store account. I brought the mistake to their attention and they reduced my outstanding balance by the correct amount but did not make the correction to my minimum payment due. This is the third month that I have had to call them and ask them to correctly calculate my minimum monthly payment that I owe them and to reverse the late fees that have been assessed as a result of their mistake. I have spoken to almost XXXX Macy 's representatives in the past three months. I continue to field phone calls and have conversations with Macy 's customer service and credit representatives insisting I am past due and they are attempting to collect a debt since I have not paid the overstated amount in their system. Each time I have had to ask them to look at the notes on my account and explain that it was a system mistake, apparently the result of a software change in XXXX or XXXX. They acknowledge that the error was their fault but insist that there is no way for them to correct the overstated minimum amount due each month. They have now told me that the only way to solve the problem is for me to make an extra payment that exceeds the original amount of the misapplied payment. I am no longer able to use my Macy 's XXXX Account even though I still have a significant amount of available credit. All of my charges have been declined since XXXX XXXX. According to my last conversation with a Macy 's customer service supervisor XXXX XXXX, this has happened before ( a misapplied payment was made by their system ) and it has been the customer 's responsibility to fix the problem if he/she wants to continue using their line of credit. I expressed my shock since the " solution '' they are proposing essentially breaks the credit agreement we have with Macy 's. She then gave me the XXXX. XXXX address for their Disputes Department.
Since XXXX XXXX, I have attempted to obtain an estimated fixed repayment plan. I have been told they do n't give out fixed rate info in writing but can give it verbally. This has caused me issues with obtaining a mortgage loan. Without this information the lender is using 1 % of the total loan as a fixed rate. I am working on a XXXX that has been difficult to complete. My loan amount is $ XXXX. There is no way I would ever be able to afford a {$1900.00} or a $ XXXX XXXX payment. There is no negotiating with the fixed repayment plan. {$1900.00} places me at almost 50 % of my income. I am on the XXXX XXXX XXXX XXXX XXXX they suggest that I come off & get a letter for fixed, place in forebearance, & change it back. Although this will not help with payments that I have made under the public service plan.