WillisBack/dataset-financial-user-claim huggingface dataset:
I spent over an hour on the phone with Wells Fargo attempting to make payment for a small loan taken out on an engagement ring. I made one payment via credit card about two weeks ago, and called back today to attempt to pay the remainder of the loan ( approximately {$1500.00} ). 

Wells Fargo flat out refused to accept payment. They told me that they would not allow me to make a payment using my credit or debit card until my account went delinquent, allowing them to hit me with exorbitant late fees. Surely it ca n't be legal for a major banking institution to literally FORCE customers into delinquency by refusing to accept payment? 

I spent nearly an hour on the phone trying to make this payment. I was transferred to six different people, including two individuals in the executive office, who all fully refused to accept my payment. They told me that the only payments they would accept are by linking my personal ( non Wells Fargo ) bank account to their service and allowing them to make automatic deductions as they see fit. 

I refused to do that on the grounds that my previous dealings with Wells Fargo were similarly predatory. They refused to close a bank account I had open from my time in the military. I went to the branch in person before I was discharged, withdrew all funds, and told them to close the account. A year and a half later, I found that they had kept the account open, and had been charging me increasingly steep " maintenance fees '' ever since. They refused to close the account unless I went back to that branch, in person, and requested it again. I had already moved to a completely different state. I had no choice but to default on the debt. 

Given their previous incompetence and/or predatory services, combined with the recent news that they had been pulling similar gambits for years, opening accounts and filing charges under other peoples ' names without permission, I absolutely refuse to authorize this bank to make withdrawals from my primary bank account, and I do n't think that 's unreasonable in the slightest. The only method of payment that I am comfortable with is using a credit or debit card, so that I may monitor and dispute any charges that I did not authorize. 

Yet, this bank will not allow me to make payments. Even though they previously accepted a payment via debit card, they are now telling me that they will not allow me to make a payment on my loan unless I first let my account go delinquent. Surely this can not be legal? I am making every attempt to make my payment in safe terms -- how can they be allowed to refuse to accept those payments? How can they be allowed to literally force my account into delinquency, saddling me with steep fees and absurd interest payments ( 30 % per month ... ) My payment is due by XXXX XXXX. I do n't know who else to turn to, here. All I want to do is pay my bill.
I sold items online to a buyer in another state ( Idaho ). The buyer went to the bank with my information and made a CASH deposit in the amount of {$6000.00} I called the bank to verify that the cash deposit was made and that the money was posted to my account. They told me that the cash was in my account so after confirming this, I gave the buyer ownership of the items that I was selling. The next day I woke up and the money was being " held '' by the bank ( my money ) and it was not available. Now the bank says that they wo n't give me the money because the person told them that they " deposited the money under duress ''. I 'm not sure what that means but I sold an item for CASH and when the money was in my account I believed our transaction to be complete. I have receipts and other proof of this VALID transaction. THE BANK IS HOLDING MY MONEY HOSTAGE!!!!
XXXX XXXX and XXXX XXXX XXXX  are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Trans Union is reporting I owe a balance XXXX XXXX  account # XXXX when there in fact is no balance.
currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.
my x wife was taking care of our finances and ran up credit cards in my name during our marriage. in which I did not know about. I ended up in court with law suits and wage garnishments. I ended up paying all off XX/XX/XXXX. the bank we banked at was one that held a credit card that I took to court to fight. I told the judge I did not sign anything and did not make the charges. sense I did not have an attorney due to they took all I had out of my account during court hearings and wage garnishments. I had no money to live on or for an attorney. I went for a week at a time with no food until I could sell things to get food. but I ended up still paiding off the credit cards as the court stated on time. I finally got the court to listen to me after several court hearings. the court awarded me a full refund plus damage charges for the bank to pay me. well I never have seen a penny of this settlement. but all stopped with anymore collection from the bank or credit card. now yesterday XX/XX/XXXX my work gets a call from someone stating they are a collection agency to collect the same depth from XX/XX/XXXX from the same bank and card. again they wanted my company to have me call them in the matter. I called this phone number and they told me I owed the money again on same mess as before. then they told me if I did not pay they would send some one to my work for me. I told them that is not legal and what they claimed I owe was settled in court in XX/XX/XXXX and to never call me or my company ever again. I got another call from them on my cell phone today XX/XX/XXXX with more threats. that if I did not settle with them then again they would confront me at my work. I tried to call them back again several more times with no answers. their phone number is XXXX after their way of messages and live calls I know they have to be a scammer. there is a whole lot more to tell but I will leave it for now with these people need to be stopped.
I have 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX  I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work
I have XXXX loans with Navient right now. One is categorized as a direct unsubsidized loan, and the other is categorized as a direct subsidized loan. Navient is claiming that those loans are XXXX the same and have altered payment history to favor interest payments even when I specify principal reduction payments. They have gone so far as to reverse payments and increase my loan balance only to re-allocate payments again to increase interest payments and inflate my outstanding principal. They keep claiming that it is not them that is taking this action but the department of education which is a false statement. I created a login with Federal student aid to verify if Navient 's claim is true and it is not. It is recorded as XXXX loans. Even the automated letters from Navient claim I have multiple loans and I did recieve correspondence indicating that they were changing my loan due dates to match up for my " convenience ''.
On XX/XX/XXXX we started our loan process with the processor and underwriter through XXXX XXXX XXXX. The processor contacted us requesting documentation for the first initial credit approval. After reviewing the documented requested by the underwriter. We noticed that he or she was requesting documentation that had nothing to do with the purchase of the property. We tired to review it with the processor, explaining that they should be going by the XXXX declaration questions asking if there were any judgement against us and the answer by the processor was no, there were no judgements against us. They asked for a divorce degree from my husbands previous marriage, that asked for a last from HR for me stating that I went on XXXX XXXX and also proof that they house that I sold back in XX/XX/XXXX was not a short sale or foreclosure. When I spoke with the processor over the phone she told me that when they pulled the reports that the divorce degree did n't show any judgements and that the house did not show as a short sale or foreclosure but they still requested a settlement document or HUD showing proof of this. Then after I questioned the sale of the home in XX/XX/XXXX the processor then proceeded to ask why I resold the house in XX/XX/XXXX, which I had already sold in XX/XX/XXXX. On top of that they have requested all petitions that were included in the bankruptcy, which was only filed by my husband before we were even married, because they wanted proof that the house which was solely in my name was not in my husbands name and on that bankruptcy. We fill that that are over conditioning the whole process. We are filling that they are discriminating against us because my husband is XXXX. My husband works in the mortgage industry and he consulted an FHA underwriter to make sure if what they were asking was normal. The answer by that underwriter was NO, it was not normal and they have no business to ask you for your divorce degree and or a settlement for a property that was not my husbands. Especially because they did n't find a any judgment or leans against us.
I 'm trying to keep my home. Wells Fargo is planning on holding a sale while under review for mortgage assistance. My HUD counselor and myself have not been able to get WF to postpone the sale date.
I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction
I am having an issue w/Well Fargo Nat'l Bank @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in that I recently p/o my debt to them IN FULL, in the amt. of {$48.00} & $ XXXX, XXXX separate chks. I mailed the chks., w/the bill a FULL days days ahead. The bill was due XX/XX/XXXX, they have repeatedly held my chk. to be able to stick me w/a LATE FEE & in this case, in addition to the late fee, chg. me INTEREST, as well. I just rec 'd a bill in the mail for {$71.00} & they have closed my acct. They are a horrible bank to deal with! I am a recent widow & only get pd. once mo. & send all bills currently due the XXXX of every month. I have sent them a letter, stating my complaint & that I am contacting the FTC. I have NO plans to pay for the late fee nor added interest. These institution is schiestering people constantly - I have had enough of it. I hope you will contact them to dispense these bogus fees, please!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXEmail ; XXXXXXXXXXXXPS- You may respond to me either in writing @ my address above or my email. Thank you for your time & cooperation.
Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.
I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error.
My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to my credit report.
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. SENEX SERVICES CORP {$30.00} Account Details Last Reported XX/XX/XXXX Collection Agency SENEX SERVICES CORP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$30.00} High Balance {$30.00} Remarks Consumer disputes after resolution Consumer disputes - reinvestigation in progress
This complaint is late and for that I am sorry. Back in XX/XX/XXXX XX/XX/XXXX wells fargo opened up a business account without my permission also opened one told me a waiver of fees was on it for a period of time then reneged on its promise which is misrepresentation. I am unaware but need to know if this would fall under the class action suit currently being pursued. It caused me aggravation, loss of time, demoralization and financial heartache. I know the business savings was unauthorized. this was done in XXXX NJ by someone named XXXX. Lies lies lies about fees being waived. No calls returned by district managers in response to mine. My concerns. I want to know what can be done esp since I had ot move my business account to XXXX XXXX XXXX due to the lies. at wells fargo about waiving fees on account I authorized. Savings account I did not. this was in XX/XX/XXXX what can be done?
The originator of the debt is   XXXX   XXXX  . We canceled our phone and internet service with them and switched to  XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each  one  the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company,  CFM Group , phone #  XXXX , Representative  XXXX   XXXX  has been calling at least once a week. Last week Thursday   XXXX   2017 we  told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call   XXXX   XXXX   and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However,  XXXX   XXXX  of  the CFM Group, decided that our response was n't acceptable. So today  X/X/  2017, he c alled 5 tim es in 10 minutes. The first  3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a  3rd time and  she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was  XXXX  again, told him that he has called multiple times in  10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by   XXXX   XXXX  . Some of these  collectors  think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.
ALLIED INTERSTATE DEBT COLLECTION AGENCY IS CALLING 6-8 TIMES A DAY FROM DIFFERENT PHONE NUMBERS. MESSAGES ARE NEVER LEFT. WHEN I BLOCK THEIR NUMBER, THEY CALL BACK 15-30 MINUTES LATER FROM A DIFFERENT NUMBERCALLS ON X/X/2018XXXXXXXXXXXXXXXXXXXXXXXX
XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
There was a report requested by XXXX using Sterling XXXX XXXX on XX/XX/2018. The report was completed on XX/XX/2018. I did not receive the report until XX/XX/2018. On the report it states that I have multiple felonies and multiple misdemeanors. I have been to my local precinct and my name has been ran and it has came back clean, no charges on my record. I was told by the precinct to file a complaint and ask if this was indeed my information that was used for the background check. Because if it was my information that was used, I must then file an identity theft report with the Authorities
Portfolio Recovery keeps calling about a XXXX account that was closed a long time ago. 
The amount of the supposed debt was erroneous in the first place which is why I never paid nor settled with XXXX. I told this to Portfolio when they first started calling. 
They keep calling even though I have repeatedly told them to stop. 
It is long past the statute of limitations for them to be able to even collect by suing me which they sent me a letter verifying this about 6 months ago. 

Yet they are still calling. On both my cell and home numbers. cell # listed earlier. Home number XXXX-XXXX-XXXX
Hello ; I had a GM credit Card/Visa, XXXX for year with a account secure plan that covered death, that would cover my balance, that you paid each month, you patd so many dollars on each XXXX dollars. A couple of years ago, GM sold that account to Capital one Visa. A week ago, I received a letter from Capital One Visa, stating they were cancelling the accout secure plus plan. I called them and asked, what happen to the XXXX of dollars that myself and others paid in? Why not apply that toward the balance on the account. She stated, that 's not going to happen, they would n't do that. I informed her that while I was talking to her, I was writing a Senator ( XXXX ) regarding whats going on with Capital One, she then said " What I can do for you is, credit you for 1 year of payments, paid for that plan. I said Ok and left it at that. People with Capital One Visa, along with myself have paid in XXXX toward this plan and they should have paid down or off card holders balancs. In what I 've paid in, my balance would have been paid off and I 'd keep the card, thanking them for their service. I 'm retired on a XXXX retirement ( XXXX ) XXXX XXXXTakes affect XXXX/XXXX/2015
I had several fraudulent transactions on my bank account the bank ( chase ) approved the claim in the beginning and stated they sent a check out because they closed my account for no reason I 've had this account for years well I never received my check then I call back and they state they changed there mind and denied the claim but wo n't let me fax over any proof that this was fraudulent activity and was not done by me and they will not further assist on me getting my money back which I 'm covered by the FDIC as they stated so they are not following proper procedures to determine this was fraud and return me my money that was stolen and I have all the proof it was fraudulent but they wo n't accept it so I need help getting my money back that was stolen from me. They keep giving me different stories they approved the claim in the beginning stated they sent a check that was never received then said they got the check back and canceled it and was gon na send out another one but did n't instead they said we 're gon na reverse it and Deney it but wo n't give me no explanation or wo n't let me send it proof it was fraud.
Original creditor XXXX was paid by XXXX for services rendered as a result of on the job injury onXX/XX/XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XX/XX/XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud.