WillisBack/dataset-financial-user-claim huggingface dataset:
I filed this situ ation on BBB but google answered same answer over and over so I filed this here.       Google p ayment service has been terminated for no reason.   On  XXXX   2017,  during spring break, a lot of people was visiting my house and I found s omeone made a transaction with google store without authority using one of my devices. I contacted google soon but the y said I have to contact service provider ( app developer ). I tried to contact them but no response. I contacted bank to file unauthorized transaction dispute and I got my lost money back. After that,    google suspended  my account and said revert charge back. I asked them I can do that but what about my money, I told them if they honor to refund my money if I revert chargeback, I would do that but they repeat same answer : " We understand that you would not like to reverse the chargeback that was placed in you r Google  Wallet account. As such, we will keep the account suspended as a security precaution. '' it seems like automated response so I filed on BBB, and actual person -who named  XXXX   from   google responded. He said same thing like machine. This is the last respo nse : " As Previously stated, on the  XXXX  response, I can not promise or guarantee the outcome of the secondary review.   The only thing I can tell you that is a definite fact is that the account will remain closed as long as there are chargebacks. You can choose to reverse them and have have the charges be reviewed again, or you can chose to leave them, which would leave the account in the closed state it is in today. " Which means " you have choose to potentially robbed by us, or be kicked out from our service '' I have no idea how could business running like this way legally.
In   XXXX  , I worked with my student loan servicer to consolidate my loans. At the time I had just completed my   XXXX   XXXX   and had a daughter in college with loans. I spent a great amount of time on the phone with an employee of the servicer going over the consolidation, repayment options, and the public service loan forgiveness program  (  which I was qualified for ). I believed the employee was being truthful with me and that I could look forward to beginning to repay my loans so that I could get through my 10 years of public service loan forgiveness ( PSLF ). As my in school deferment was ending, I called  FedLoan ba ck to find out what my payments would be and to make sure everything was set for me to begin repayment on the PSLF. At this time I spoke to a very helpful gentlemen who informed me that unfortunately my loans had been consolidated incorrectly ( my daughter 's loans had been added to mine ) and that I would not qualify for IDR or other plans. I stayed on the phone with him for a very long time while he attempted to find out if their was anything he could do to stop or re-do my consolidation. I was in tears and he genuinely seemed to be trying to assist me. It is unfortunate that we were not able to figure anything out. There was no way I could afford {$1200.00} + monthly and he was very apologetic. If only the person I talked to from the beginning had the same moral and customer service driven mindset. He helped me apply for forbearance in hopes that by the time it ended I would have found a better paying position using my degree. Unfortunately, that has not happened and I have not only not been able to find a better paying job, but I have not been able to find a second job that could pay this amount. I have called back to FedLoan several time to see if there is any remedy because I really want to begin paying my loans, but have no way to pay so much a month. I was told that if I ca n't pay the total amount due that I ca n't pay anything at all. This does not sound correct to me.     After reading up on my issue, I found that it has been a common problem with FedLoan Servicing to make consolidation errors, repayment errors, payment calculation errors, and give misinformation to students/ former students beginning to make their loan repayments. I know see that my case is just part of the bigger issue, but unlike some others I truly want to complete my PSLF. I have lost 3 years of the 10 years of payments I am expected to make and that is very disheartening to me. I would love to know what remedy their is for me and others like myself. Thank you.
On XX/XX/2018, I submitted a fraud claim to Bank of America because my lost debit card had been used for fraud. The claim was for {$510.00}. The bank credited me the money back immediately. Three months later, on XX/XX/XXXX, the company abruptly withdrew the funds from my account, the day before rent was due. Not a single person reached out to me in regards to my claim and I assumed that it was finished when all of a sudden my money disappeared. I looked into my account and saw they had denied it, but did not say why. When I called, they claimed that " one of the fraudulent transactions was a PIN transaction '' which is impossible. The charge in question was done in a city two hours away from where I live, and I provided documents to them proving my whereabouts for the entire day that day. No one on earth knows my PIN.

I have been a customer of Bank of America for 8 years. When I try and speak with someone on the phone regarding my claim the wait time is over 90 minutes every time, and the person never has any answers. According to them I am not allowed to speak with the investigator regarding my claim. I went into a branch for help and they told me they are not able to help me either. I went to my local police department to file a police report and they told me that since the crime occurred in another city I can not file a police report. When I opened a Bank of America account I was told fraudulent charges were protected, now I feel victimized. Bank of America clearly did not do a thorough investigation because their findings were false. It is now my job to prove my innocence.
I refinance my house with XXXX XXXX they paid off my loan on XX/XX/XXXX freedom mortgage credited my account on XX/XX/XXXX freedom mortgage reported me late for XX/XX/XXXX but XXXX made sure they had there check on the XX/XX/XXXX I want this late payment removed from freedom mortgage
Between the date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX My Equifax credit score dropped XXXX points. When I called the bureau they did not clearly explain how my score had dropped XXXX points. I had only XXXX 30 day late penalty that was new between the report that was pulled onXX/XX/XXXX and XXXX/XXXX/XXXX. The Bank I was applying for the loan was baffled by the catastrophic drop. I am trying to get a refinance cash out loan on my house to pay off all of my debt and only have a mortgage payment. This loan would help free up some money for savings and then I would not have to live paycheck to pay check. The reason I am filling this complaint is without a credit score of XXXX the bank can not move forward with the loan. I was frustrated with the credit company because they could not explain clearly why the XXXX negative things on my credit history would cause a XXXX point drop. I asked how many points each of the negative reports were worth and they could not give me an answer. Aside from the 30 day late payment on a credit card I have had perfect payment history. I believe that my score has been wrongly adjusted between these dates and needs to be looked at and readjusted. I am frustrated and confused and this is significantly impacting my life and financial stability. Thank you for your time. 
XXXX XXXX
My wife and I have a checking ( current ) bank account with the HSBC in XXXX XXXX. We are XXXX citizens. This account has been operated by us for the last 8 + years and never had a problem. The reason for having the account was to receive monies from tenants occupying our property and of whom live in the US. In XXXX one female tenant ran into rent arrears to a total of XXXX USD. She was given an account of the arrears prior to this and eventually on XX/XX/XXXXafter many texts to her and receiving her admission to pay same she paid that sum in 3 transactions= XXXX & XXXX USD onXX/XX/XXXX to complete the transaction. Two and a half months later, on XX/XX/XXXX, she drew the money from our account and had it returned to her bank thXXXX XXXX XXXX XXXX. She did this by presenting a Letter of Indemnity through the XXXX XXXX XXXX to the HSBC 'ACH ' department of which automatically returned the sum which was legally ours and not hers. The HSBC never contacted us to check with us and my efforts to achieve some form of explanation and apology have fallen on deaf ears. After many telephone calls from the XXXX to the HSBC being passed from 'pillar to post ' along with recorded calls we eventually spoke to a Relationship Manager who identified with us that the HSBC should have contacted us and he stated he would escalate the complaint. We have heard absolutely nothing and the person has failed to answer our emails. This is unprofessional conduct. Quite simply we would like that XXXXUSD compensated for in full due to negligence on the part of the HSBC along with compensation for all the distress and grief we have been put to. We want to know what the policy of the HSBC is in such circumstances and whether that has been breached. This is of major importance to every HSBC account holder in the US. The HSBC XXXX stated that it was their policy to always contact the account holder before releasing monies and their belief was that not only is it logical and common sense to do so but that the HSBC US would have to do the same. If not, then every account holder in the US should be informed of this anomaly in which case your money is not safe with the HSBC. We ask that we be fully refunded and compensated for all this trouble we have had to go to. Should this occur it will be the end of the  matter.
Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from Ocwen Loan Servicing since XX/XX/XXXX. They told me that they can give me a modification but the amount they give me was more than the amount I could not pay from the beginning. I need help to get this company to work with me and give me a reasonable loan modification payment that I can afford. How much longer will they play this game? I understand that im delinquent but they are not helping me to get a loan mod that I can afford. 
I have now foreclosure sale date XX/XX/XXXX and am scared that I will lose my home and not get a chance to get approved for a loan mod that I can afford.
I received a letter from credit corp solutions inc . Claiming that they own the rights of a debt from XXXX XXXX and demanding full payment. I need full validation of this debt. I haven't heard anything from XXXX XXXX regarding this matter.
Equifax is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
In XXXX we had a conventional 30 year fixed mortgage and a line of credit second on our primary residence with Bank of America. We own no other commercial or residential housing. The terms of the mortgage were that in XXXX XXXX both 1st and 2nd mortgages would convert to a 15 year fixed. Knowing that combining these two mortgages to a 15 year fixed and that at the time my husband ( the primary earner ) would be XXXX XXXX years old and looking at future retirement we asked B of A, starting in XXXX XXXX, to combine the 2 mortgages into a 30 year fixed in anticipation of lower monthly payments for retirement. B of A refused. My husband lost his job with XXXX XXXX in late XXXX forcing early retirement on us. By XXXX it was clear that on a fixed income we could not pay the higher monthly mortgage ( 15 year fixed ) and our credit/ tax obligations we had to declare chapt. XXXX bankruptcy on XXXX XXXX. On XXXX XXXX we filed for a loan modification program with B of A on XXXX. It is now XXXX ( a process that B of A said would take 2 weeks ) and their loan modification plan now has a HIGHER MONTHLY PAYMENT than the original 15 year fixed plan. This nothing but pure AGE discrimination from refusing our request in XXXX to the current loan modification plan. We submitted one of the cleanest applications possible ; no alimony, no child care, no other distracting variables. They only had to convert a 15 year fixed to a thirty year fixed and none of this would have happened. Since B of A has provided us with thirty year mortgages at least twice in the past the only difference from then ( our first mortgage with B of A was in XXXX ) and now is our AGE.
I disputed a incorrect item on my credit report with Equifax, XXXX and XXXX and EQUIFAX now has blocked me from seeing my credit report. And has failed to respond to no less than SIX letters regarding my disputes. Now I ca n't even see my Equifax report NOR can I see if they deleted the incorrect item on my report. Why is Equifax that only bureaus that XXXX with consumers credit reports when they dispute an item by blocking them from seeing their reports and THEN adding insult to injury not responding to any further letters??????? INVESTIGATE THEM!!!!! This is outrageous!
Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.
I have previously disputed this below inquires with Equifax directly and they only responded " inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' There are NOT factual. This is to notify you that I contacted the following inquiry creditors for proof of authorization to pull my credit. I do not recall placing an application with such creditors, nor do I agree to having had my credit pulled by such creditors. I reached out to the creditors who placed the inquiry and requested they remove the credit inquiry from my credit profile. XXXX XXXX XXXX responded that they will remove the unauthorized inquiry. XXXX XXXX received a dispute via certified mail, XX/XX/XXXX, and has failed to respond for the unauthorized inquires on XX/XX/XXXX and XX/XX/XXXX so I am assuming they have no such documentation. XXXX   XXXX received a dispute letter via certified mail XX/XX/XXXX and has failed to respond as well. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I am enclosing a copy of the letter mailed certified to the inquiring creditors, along with XXXX 's response stating they do NOT have records of my inquiry and are removing the inquiry. I have also attached certified receipts for the letter mailed to XXXX XXXX and XXXX   XXXX. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate, unverifiable information on my credit file and liable for monetary damages. Thank you for your cooperation.
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
I have received numerous calls from the agency for a person I do not know. On XXXX/XXXX/2016, I received a call asking for an XXXX, i informed the rep she had the wrong number, and i was advised she would remove my number. Again on XXXX/XXXX/2016, I received another call asking for the same person, again told them to stop calling me. They were also using an auto dialer to call my cell phone, which i told them they did not have permission to do, and again to stop calling my number. Then on XX/XX/XXXX, i have received two calls. Once at XXXX, and again at XXXX. Again they are using an auto dialer to call my cell phone, after being told not to, and i again have asked them to stop. When calling to ask them for their address so i can mail them a cease and desist letter, the first rep refused to give me to me, transferred me to a supervisor, which i had to wait 5 mins to talk to.
USAA has engaged in predatory and harassing behaviorism an attempt to force me to pay impossible payments, beyond my income capability. They call and harrass me four or more times a day, and will not work with my limited income - even though I have requested this since XXXX. They have changed my required payment up and added fees making it impossible to get out from under this debt despite paying {$100.00} a month from my low income. They also allowed a bogus charge against my account through a fraudulent XXXX account to pay for a boosted post on XXXX back in XXXX. A third party charged my account without my authiruzatiin, or permission. I would like damages and Attorneys fees to be paid by USAA credit card, for predatoey behavior leading me to suffer from intentional infliction of mental anguish. And possiblt adverse credit reporting. USAA has refused to work with me in resolving this issue ( letter on file ).
They call me at least once daily for the last 3 weeks. I answer tell them my situation has not changed since the day before. I have asked them to quit xalling my cell phone number and requested that they mail me information about the debt and I will call them once our financial situation gets better.
I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, XXXX, Transunion ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : Transunion : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX    XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX
Dyck-O'Neal, Inc. - XXXX This number has called since XX/XX/XXXX sometimes calling multiple times a day. The number left to call is XXXX, which is not the number listed on their website. The message left is always - We have important message from Dyck-O'Neal , Inc . This is a call from a debt collector. Please call XXXX.
I pay the mortgage using online banking via XXXX XXXX XXXX. I always schedule the payment to be the last day the mortgage service lists on billing statement. If this day is a non-business day, I schedule it on a banking business day prior to the last day. The last day is usually the XXXX of the month, and most of the time it falls on a business day. 
When I scheduled a payment for XXXX XXXX ( a Tuesday ) on Monday XXXX XXXX morning, I found out the Monday the XXXX was a holiday and my payment would not be processed until XXXX XXXX. I have XXXX mortgages to pay. XXXX of mortgages are with XXXX, XXXX with Nations Star, and XXXX with XXXX. I went to each website and paid the mortgage online at each of these sites ( i.e., XXXX, Nations Star, and Cenlar ). Only XXXX XXXX charged me a {$9.00} transaction fee because it was after the XXXX of the month. 
I did protest this with Nations Star at the customer service link on their website, but they refuse to refund me the fee. 
In my opinion this fee is illegal and I should be refunded the money.
To whom it may concern, I attended XXXX XXXX University from XXXX XXXX XXXX XXXX. I had taken out a loan with XXXX XXXX, who became Navient, so that I could finish my XXXX academic year. I began to repay the loan while serving in the XXXX ( XXXX XXXX ) for four years. Once I separated from XXXX XXXX I checked my balance and it had gone up from the moment that I began payments during my XXXX XXXX term from XXXX XXXX, XXXX XXXX XXXX. The interest rate that I was being charged was above what an XXXX XXXX military member should be charged, and I was not informed that my payments were not even covering interest ; which would result in my principal loan amount increasing even though I was making monthly payments for 4 consecutive years. If any additional information is required please contact me at : XXXX or at my cell : XXXX XXXX XXXX XXXX. Thank you for your time. Best regards, XXXX XXXX
I WAS LOOKING INTO MY PAPERWORKS AND I FOUND THIS LETTER DATED XX/XX/XXXX2016 IT SAID THAT I OPEN THIS ACCOUNT AND THE CASE NUMBER IS XXXX.ACCOUNT ENDING IN XXXX THE ADDRESS WAS XXXX. XXXX XXXXXXXX TO THE NAME OF XXXX XXXX XXXX DONNOT KNOW WHO OPEN THIs ACCOUNT.
I called Wells Fargo last night around XXXX Monday XX/XX/XXXX. This was in reference to the Wells Fargo XXXX XXXX and its {$45.00} annual fee and also misrepresentation on the phone about currency conversion and foreign transaction fees. Wells Fargo has 2 XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) the woman ( XXXX ) I spoke to told me that as of recent the XXXX and XXXX cards terms have been made the same but, I think inquired why does the {$45.00} annual fee remain. She had no answer to me in regards to that and then offered me to switch my card to the original XXXX. I told her would n't that affect my credit, she said she did n't know and could not make a representation, I was then forward to the credit department in Wells Fargo, who still could n't give me an answer. I spoke the credit bureau this morning in regards to my credit score implications and she indicated if I had to close down one account and switch it over it would affect my credit score. Without informing older customers of the XXXX, all these customers are being required to pay {$45.00} a year for something that is free on the XXXX. And to correct it this would cost us a ding on our credit, which is absurd. Additionally, several Wells Fargo employees indicated to me that foreign transaction fees and currency conversion fees were the same thing. But after reading up on this, that is not true and the company was making false statements.
I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.
I have disputed this many times and Experian will not remove this account that is incorrect. I have finally cleaned out my storage unit and was able to locate the letter from XXXX XXXX  regarding my items that show on my credit report as being returned. I have sent that and the envelope showing the stamp date and asked that they fix this account that was reported as a collection and with a XXXX balance as well. They just sent back the dispute investigation and have refused to remove this from my credit report
A company called XXXX XXXX continues to call both my husband and I claiming we owe money from an old payday loan. We know that we do not owe any money but they will not stop calling and harassing us. They use many different phone numbers or call from block numbers, most recently this number : XXXX. They claim to be needing to get me papers for a lawsuit but won't give me any specific information.
On XX/XX/2017, it was made public that Equifax had a major security breach that compromised about 143 million U.S. customers. As a result, I have reason to believe that I have been impacted and my credit may suffer for it. It is absolutely unacceptable that Equifax knew about this for months in advance before making the news public, during which time executives at Equifax sold shares before the hack was announced ( which could be considered illegal insider trading ). Over a third of the entire country has been screwed over by this company and that is absolutely horrendous.