WillisBack/dataset-financial-user-claim huggingface dataset:
I closed an American Express Account and was given the outstanding balance which I paid in full. Tonight I went online to check on some charges on a different and found that there was an outstanding balance on the account that I had closed as well as a finace charge and late fee. I had several instances when? I had contacted Amex regarding this not receiving paper bills on this account and had requested that they resume sending paper statements, but I would only get the current statement and future statements would were not sent. I have an issue with a credit card company not notifying me in any way regarding my balance.
Last year we requested deferment of 3 months, Wells Fargo is stating that we authorized one month which we are disputing. There was no communication sent detailing the deferment, terms or the fact it was {$25.00} to process. We have been 2 months behind since then and are seeking assistance from Wells Fargo Dealer for help. 
I 've left messages with XXXX from the Executive Office at XXXX ext XXXX with no response.
The problem is that no one has paid attention into how to resolve this issue. By calling the water dept ( XXXX ) provide acct # XXXX and asked about the $ XXXX payment that was paid to this acct and was returned because no bill was ever accumulated in such large amount. Therefore the funds was returned to the bank. I have outlined in my first complaint letter dated XXXX XXXX how my taxes were paid during the time frame of this matter. I would appreciate not only a phone call, but by postal mail. If they choose to call, leave a message. How would I know if they are trying to reach me. Have some common sense PLEASE. Nothing is owed these people. Before the complaint was sent to XXXX, I had not a clue where these funds went til now. If they did not receive it back, then they should back track that check number that was unveiled by the XXXX XXXX XXXX XXXX. 
XXXX XXXX
I purchased a home in XX/XX/XXXX with my then husband. We separated and divorced in XX/XX/XXXX. Our divorce was finalized and ex-husband remained in marital home. He was to refinance taking my name off mortgage, He did not do so. He subsequently remarried and has since completed XXXX remodifications with his now wife. They continue to remain in the house nd are currently in their XXXX round of foreclosure notices. I was served a foreclosure notice ... ..he is now letting the home go and has no intention of making any payments. I have never signed a remodification agreement and papers indicate I " inadvertently '' did n't sign. There is an amount of approx {$490000.00} showing on my credit report preventing me from ever moving forward at XXXX yrs old. How and what can I do to resolve this situation. Any assistance will be appreciated. Thank you for any assistance.
I purchased a vehicle from XXXX and was Financed by BridgecrestXXXX, I traded vehicle in and the loan was paid off. I also purchased extended warranty and GAP insurance thru them and are due a refund of those monies ( prorated ) as I only had the vehicle for 8 1/2 months. I have been attempting to get a Letter of payoff from them and they keep transfering me to different departments The letter of payoff is required by their extended warranty company ( XXXX ) for me to get my refund, at this point after two weeks of attempting to get the letter sent I have had no luck in receiving it. First was told to wait 10 days before making the attempt to request the letter, and after doing so have gotten a run around in contacting someone to send to me. I have followed all their rules and policies to get this situation resolved and has been to no avail.
XXXX XXXX shows as a hard inquiry on my Equifax credit report ( the above case number is from Equifax ) that occurred on XXXX/XXXX/XXXX. I disputed with Equifax and they replied that it is an actual inquiry. The only XXXX related account I have is a XXXX card opened in XXXX for which an inquiry on my account shows as " XXXX '' made on XXXX/XXXX/XXXX. There should be no other XXXX inquiries as I have not applied for any other accounts with them or with department stores who might use XXXX. 

On the attached credit report, please see page XXXX where the inquiry from XXXX XXXX on XXXX/XXXX/XXXX is shown.
I submitted an online application to GuaranteedRate.com, including my social security number and authorization for a credit check, on XX/XX/2018. I never received a response about whether I was eligible for a loan. 

My understanding is that the lender is supposed to provide a loan estimate within three business days after I apply. I followed up multiple times with the lender and never got a yes, no or maybe. 

I heard back from the loan broker on XX/XX/2018 requesting some documents, which I provided on XX/XX/2018. I then followed up several more times and each time the broker said he'd get back to me " within 24 hours. '' I made my final request for information on XX/XX/2018, and was told they would get back to me " today. '' I understand that not everyone provides good customer service, but this is very upsetting to me because now I have an inquiry affecting my credit score for one year, and nothing to show for it. Furthermore, the inquiry undoubtedly caused my score to drop which affects my ability to get this loan from someone else.
I received an offer in the mail from American Express for {$250.00} Cash Back after spending {$1000.00} on the card within 90 days to apply for the XXXX card. Offer expired XXXX/XXXX/2016. I applied XXXX/XXXX/2016 ; was approved - spent over {$1000.00}. I received credit of {$100.00}. I have the offer which does n't state anywhere a code needed to be entered. I do n't rememer there being a field or asking for a code. I 'm told by AmEx customer service they would have pre-filled in a code. My complaint is this is deceptive advertising making me believe that since I was applying for the card described on the letter in my name I would receive {$250.00}. Deceptive as I was n't told on the letter I needed to enter a code - and in addition not being asked for a code. I 'm told by AmEx they ca n't change the promo - nothing can be done. I plan to file a legal complaint, if they do n't honor their advertising.
I opened a credit card account with American Express. As a signed up bonus, American Express offered me XXXX Membership rewards points if I spend {$3000.00} within the first three months. The annual fee on this card is {$450.00} a year. A membership reward point is a virtual currency that can be used in multiple ways. When I opened my account, I planned to transfer these bonus points to XXXX of the partners they have, XXXX XXXX points ( " XXXX '' ). When I opened the account, they advertised the following transfer ratio XXXX. So, the signup bonus for me was worth XXXX XXXX XXXX points. Three weeks after they told me that the ratio is going to change : to get XXXX XXXX XXXX points, I will need XXXX, not XXXX American Express points after XXXX XXXX. I called the cardmember services and they told me that if I fulfill the terms of my signup bonus bu XXXX XXXX, I will be able to utilize the old exchange rate. I completed the terms of my offer and the points appeared on my account on XXXX XXXX, in pending status. When I called American Express and asked them to transfer the points, I was told that I would be able to do it only in 6-8 weeks. So, the value of my signup bonus has changed after I opened the card. It was XXXX XXXX points when I opened ; it has decreased to XXXX XXXX points. This practice, in my view, is an example of deceptive advertising.
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and XXXX and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery
I have a VA home loan and my loan servicer has been Dovenmuehle Mortgage since XXXX of XX/XX/XXXX. Every month, I pay into an escrow account and they are supposed to pay my home insurance company. Dovenmuehle Mortgage did not pay my insurance premium and then bought insurance through their company at 3 times the rate. Every time I call to try to resolve this matter, I'm given the run around and nothing gets fixed.
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( XXXX and Equifax ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. XXXX released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. XXXX DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. Equifax released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. Equifax then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with Equifax there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.
I get bills from XXXX XXXX XXXX. And I didnt use any credit to purchase anything. About 2 years now and I get a bill every month and increase every time. For something I dont get.
On XXXX/XXXX/15, I ordered and received a RV Vent Fan for replacement in my RV. The fan received was wrong model and was returned to seller XXXX/XXXX/15 whom then shipped the correct model that was received XXXX/XXXX/15. I paid Citibank {$250.00} on XXXX/XXXX/15 per my credit card statement for the purchase. The incorrect RV Fan Assy was returned via XXXX and confirmed. Fan project was completed. On XXXX/XXXX/15, a manager or supervisor shipped another RV Fan Assy with an apology email in reference to shipping the wrong model originally. Upon receiving the email, I made phone calls trying to stop their sending the product and exchanged emails about my disapproval. Seller said nothing they could do. I made it clear I did not want or request it. I also made it clear I did not want to be charged for it and I would refuse it. I was told I would be responsible for it regardless. This all is documented. Product was delivered in my absence and I called their sales office and again expressed my concerns. Sales person said they would immediately issue an XXXX Return Label to have it shipped back. After 8 days I had to remind them by phone and the following day, XXXX picked up item. The box was never opened. Seller never acknowledged return of product and billed my credit card {$250.00} for it. A trace on the XXXX return label showed it was delivered to seller and they signed for its return which I submitted to Citibank. The XXXX/XXXX/15 shipping is a result of shipping error by supplier after completion of previous order, same item. After 5 months of trying to resolve erroneous billing of {$250.00} for fan assy ( that I did not order and had been returned XXXX, Citibank finally accepted proof, which I submitted four times earlier showing seller received their product back. Citibank now claims I received 2 RV fan products and only returned XXXX according to their audit worksheet. My current statement shows " Dispute Resolved ''. I was never notified why or how the dispute was resolved. I would request updates but nothing ever came out of it except their Audit Worksheet couple days before I read dispute resolved in my statement. Couple days prior I had received Citibank " Audit Worksheet '' for my review which shows I owe for XXXX item of {$250.00} that never existed or even any paper work. I immediately sent them letter requesting their bases for their findings plus I again sent copies of proof on what was received from seller and returned to seller. I submitted again a complete breakdown showing debits and credits, all validated. They have not answered my requests on how they based their findings or what documentation they have. I have followed FTC rules closely in this matter and kept records of all transactions. That is more than I can say about Citibank N.A . or the seller. This is a total failure of this credit card company. I have had spent countless hours presenting documentation to them which they have ignored. Their statement of protecting the consumer is a SHAM!
I disputed information on my credit file and they decreased my score my XXXX points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.
Funds being withheld have direct deposit have n't been able to get funds in a week and I have bills to pay and a daughter to feed..have rx need filing and with no money due to this issue.
Charges for overdraft on transactions that were dated previous to a larger transaction and that happened XXXX to 5 Days preciously. 

Credit card payment posted on the XXXX/XXXX/XXXX by the credit card company and being charged on overdraft fee 4 Days later. 

No ryme or reason to how charges are posted other than they process large transactions first regardless of the date the transactions are received.
ON XX/XX/XXXX I RECEIVED AN ALERT FROM XXXX XXXX STATING THAT I HAD A $XXXX  BALANCE ADDED TO MY CREDIT REPORT FROM A XXXX XXXX XXXX BYWAY OF MIDWEST RECOVERY SERVICES XXXX. I CALLED IN XX/XX/XXXX TO GET MORE INFORMATION ABOUT THIS DEBT THE GENTLEMAN I SPOKE WITH ASKED ME A FEW QUESTIONS THAT I COULD NOT ANSWER ABOUT THE PLACE THAT I HAVE NO KNOWLEDGE OF. I ASKED HIM TO SEND ME THE INFORMATION ABOUT THE DEBT THAT WAS TURNED OVER TO THEM AND THAT WHOEVER THE ORIGINAL DEBTOR WAS, NEEDED TO SEND ME INFORMATION ABOUT THIS DEBT.  SINCE THIS IS MY FIRST KNOWLEDGE OF THIS.I GAVE HIM MY MAILING ADDRESS OF XXXX XXXX XXXX XXXX XXXX FL XXXX.  THE GENTLEMAN SAID THAT HE WILL BE SENDING VERIFICATION TO MY MAILING ADDRESS AND TO HAVE A GREAT DAY. IT HAS BEEN 3 FULL MONTHS AND I HAVE NOT RECEIVED ANYTHING FROM THE ORIGINAL DEBTOR NOR CREDIT BUREAU ABOUT ANY INFORMATION ABOUT SO CALLED DEBT. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. THIS IS NOT FAIR THAT ANY COMPANY CAN JUST PUT ANYTHING TO YOUR REPORT WITHOUT EVEN KNOWING IF THIS IS YOU OR NOT. I HAVE NOT RECEIVED NOT EVEN ONE CORRESPONDENCE FROM THIS COMPANY NOR THIS CREDIT BUREAU. $XXXX FROM MIDWEST RECOVERY SYSTEMS LLC NEEDS TO BE REMOVED FROM MY CRESDIT REPORT WITHIN 30 DAYS AS OF XX/XX/XXXX.
HSBC BANK HAS HIRED DIFFERENT DEBT COLLECTORS TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/XXXX. I HAVE BEEN THREATENED AND TOLD I AM A PIECE OF XXXX. THE LATEST ONE STARTED ON XX/XX/XXXX FROM XXXX XXXX. I ADVISED THEM THAT THIS WAS DISCHARGED IN BANKRUPTCY AND THEY DIDNT CARE. THEY CALLED ME ALL SORTS OF NAMES AND THREATENED TO SUE ME.
XXXX XXXX/Mariner Finance calls my work number twice a day and leaves me 2 messages.
Today I received an  XXXX  alert stating that I have a new collection fro m Franks Adjustment bureau in the amount of {$480.00}. I have no knowledge of this account, I have also never received any correspondence regarding this account. I did some research also and I was unable to also confirm that this company is allowed to collect in my residential state of IL.
My only issue is that my bank ( 53 Bank ) takes way to long to send current info to my linked accounts. "  XXXX  '' for example is an instant pay Service that essentially loans money out based on hours worked, and weekly direct deposit information. However my bank was flagged by   XXXX   XXXX   for taking unusually slow compared to most banks to send updated bank info. Sometimes it 's takes until Monday after payday ( Friday ) for Fifth Third Bank to finally show my linked accounts that I have been payed from work.
I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday
I was on a trial modification plan and my loan was transferred to a new service provider on XX/XX/XXXX. My modification was canceled after the payment from previous servicer was not transferred and my home was foreclosed on and sold on XX/XX/XXXX. I was told to send the document showing patent previous servicer. I did that on XX/XX/XXXX. I didnt receive a response, so I assumed I was fine. Later on I find out that the servicer sent correspondence via email but it went into the junk box. It stated that the file format I sent the document in was not acceptable. So, Ive since re-sent the document after finding out this information in the correct file format. I was also told by my point of contact at loss mitigation that upon receiving the document it should not affect my trial modification. And also because the loan was just transferred to a new servicer theres a 60 day grace on all new transfers. This was a wrongful foreclosure. The new servicers phone lines have been busy and it asks me to leave a call back number but I never received a return call. I tried to make my payment online but was blocked, I tried to make payment on the phone via automated system but was blocked. I called nearly every day and when I finally get through to a representative Im told the trial had been canceled and that Id need to reapply. This was on XX/XX/XXXX when I was told to reapply without being told that my home was going into foreclosure sale on XX/XX/XXXX. Why tell someone to reapply if the home is being sold the following day? Very misleading and confusing. Please help!!!
ALLY auto financial repossessed my car on XX/XX/18. they did not follow consumer protection laws, motor vehicle laws, and disregarded my protection under the civil service member relief act. local New York attorney generals office has been notified and is in the process of contacting ALLY. The NYS DMV is investigating this as well. ALLY did not provide any documentation prior to after the repossession to myself or at a minimum the DMV.
The following Credit Reporting company below was contacted : TransUnion Consumer Relations, XXXX. XXXX  XXXX, XXXX, PA XXXX, ( XXXX ) XXXX The 1st letter was sent to TransUnion company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( e.g XXXX vs TransUnion ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.
This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.
There are two complaints I have to file that are interrelated to each other. The first is that Nelnet, my student loan company, changed the address and phone numbers on my account without my knowledge or consent. I would like to know exactly why and how this could have occurred. Second, this change in my contact information had a direct negative impact on my FICO credit score. From what Nelnet has told me they did not receive proof of income from me when they requested it XX/XX/XXXX. I did get the notice and sent it. In XX/XX/XXXX I received a letter/statement from Nelnet dated XX/XX/XXXX current balance {$35000.00} current amount due {$0.00}, Leading me to believe my account was in good standings. During this time I had moved from XXXX, XXXX to XXXX XXXX, XXXX. One day I had happened to be checking my junk email and came across an email from Nelnet stating that stating to reply yes to keep my forberance this was in XX/XX/XXXX, which i did. I qualify for the program because I receive XXXX XXXX XXXX. I called a few weeks later and followed up to check to see if my account was in good standings after i replied to the email because I was going to begin the process of buying a home. I called Nelnet and the representative said yes your account is in good standings and I do not owe anything at this time. The representative and I went on to update my address and phone number when she was asking me about an address somewhere in XXXX XXXX and phone numbers that once belonged to my former mother in law and ex husband. I was a bit baffled by this but continued to update my information. As i was saying I was looking into buying a house. My financial institution that I was going to get my loan from, whom I got my car loan from ran my credit report and said that Nelnet had reported me over 180 days late on my student loan payment which I still dont understand how this could be. I last checked and my foreberance was good for a year. as well as if there was an issue of them not receiving needed documentation they could have contacted me. yes my address and phone numbers changed to XXXX from XXXX. If Nelnet was trying to reach me why did they not actually look for ME? I am easy to find with the resources they have. Had they automatically updated my adress to where I was at not former relations of mine then I would never have gone over 180 days late on any payment.
This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14
I recently ordered my credit report from XXXX and noticed a number of unauthorized enquiries.There were enquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke to a representative who advised me that nothing can be XXXX therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!
I have sent letters in XXXX & XXXX about Experian reinvestigating each hard inquiry on my credit report. I have not received any response to this matter in the mail. I have had identity theft in the past and Experian has the police report and identity theft report on file. My SSN number, multiple credit cards and more were taken at that time. I had 3 burglaries between 3 years XX/XX/XXXX-XX/XX/XXXX. Multiple hard inquiries on my report I did not make and have no permissible purpose to have them reporting.