WillisBack/dataset-financial-user-claim huggingface dataset:
SUMMARY : TCF intently setup a system to rip-off customers by delaying and manipulating the posting of transactions as a strategy to unfairly deceive for financial gains. 
XXXX TCF intently set up a system to rip off customers by delaying and manipulating the posting of transactions as a strategy to to find opportunistic time to charge unauthorized fees. I have called to complain to TCF on each of the different fee charges below and request that the fees get reversed, but they simply refuse to listen. I do n't understand how such a practice can be legal. Here are the fees charged and the dates they where charged on the accounts end in XXXX & a recently closed account. 

Acct -- -- -Dates 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 funny thing is, for many of the transactions that resulted in those fees, right before issuing the transaction, I would check my bank account, see that there 's enough fund to cover the transactions, only to find the next day that TCF had something else under their sleeves. In most cases, TCF would claim that yes you did have enough fund in your account at the time, but your deposited checks did n't clear in time to cover the currently issued transactions and those " delayed '' transaction that never did show up in the first place. They pick and choose, when or what time to post transactions as a " delaying strategy '' to intently charge unwarranted fees. That 's a clear definition of Unfair and Deceptive Practice. Especially that when all these fees are being accessed, at least XXXX of the accounts ( checking or savings ) always has enough fund to cover for any transactions that may have been issued by me ; but TCF asks for fees every time they would be put in place to process a transfer from your own account to cover a transaction from one account to another.
I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!
I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all three bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.
We had a {$39.00} credit from a credit card company ( Citi Bank ) that was allegedly refunded by check on XX/XX/2017 that never reached us. 
We have called numerous times, talking to numerous agents and supervisors ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )
To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. 

In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. 

I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

Thank you very much.
XXXX / XXXX / 2017  Called by a "  XXXX   XXXX  '' who claimed to be working for an unidentified law firm calling in regards to a claim by a  XXXX   XXXX  against our property. Told her we did not know a  XXXX   XXXX , we have received none of the required paperwork and have not been legally notified and asked her to send any info to the address of record. Caller got angry, said she would also send a server and hung up.She did not give any further information. Caller ID traced back t o Zenco Collects,   XXXX .   XXXX    XXXX ,  XXXX , Texas  XXXX . Phone :  XXXX  Email :  XXXX  XXXX  XXXX
XX/XX/18 Mailed a copy and sent a copy of sprint correspondence stating the account is clear and no money is owed. Called XXXX and the person who was looking into my account is no longer there. I sent a letter to diversified adjustment services stating what XXXX is saying, telling them to stop contacting me. A few weeks go by and I hear nothing. Now today XXXX they have called 6 times every minute so far. This is harassment and I will be hiring a lawyer today to deal with them on my behalf if it does not stop. I am disgusted by their tactics and blatant disregard for the law. I am now as of XXXX XXXX  on XXXX up to 109 calls in the past 40 minutes. Now at XXXX I am up to 142 calls. Attached is calls documented as well as XXXX saying the debt is not owed.
I cancelled their service, and turned in all of the equipment on XX/XX/XXXX The balance is {$2900.00} I have requested they remove this collection on XX/XX/XXXX They have not removed the collection from my credit report. 
The collection company denied my dispute. 
The collection is to old to be on my credit report.
This began as a hunt for information, and after over a month of being provided with information that was different from what I requested, I found out that there is no record of the information about my account that I am requesting. 

My subsidized loans were in deferment from the time my grace period ended until XX/XX/2016. They were then supposed to reenter deferment on XX/XX/2016, as I returned to school. The deferment did not begin until sometime in XX/XX/XXXX, and in that time I was still paying interest on my loan payments. I had no idea how much interest was actually on the account, because my bills only showed " outstanding interest '', which was VERY different each month. 

Fast forward to two weeks before my loans came out of deferment, and I paid over {$15.00} in interest on an early payment I made. I requested that the interest be applied to principal because there should n't be any interest to pay ; they told me I owed interest. My loan came out of deferment, and over {$15.00} ( 'outstanding interest '' ) was capitalized. Based on my records, I paid more than the total amount of money I should have owed in interest in total in the two weeks leading up to my loan coming out of deferment. I requested specific details about all interest ever on my account ; they showed me principal and outstanding interest only. I requested this information again, being more clear than before that I needed to know all INTEREST. They gave me the exact same document as before, this time only with more recent dates. 

I finally just asked to see how much interest was on my account when it went into deferment. Apparently, they do n't actually know. 

I 've never heard of such poor record keeping or transparency with someone 's money in my life. 

Based on the calculations I 've tried to make, with the help of my mother, who is an accountant, very little of what I have paid has made any sense. The interest is especially unclear. But thy continue to avoid providing me with the necessary information to figure out what my account balance should actually be, and today informed me that they do n't actually have a record of how much interest I was supposed to owe.
In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.
On XX/XX/18 my discover card was reported as lost. Discover closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although discover has sent in an early credit history to XXXX, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Good Evening, I wanted to reach out in regards to an issue I have experienced with capital One. I had XXXX credit card accounts with them ( XXXX for nearly 10 years and the other 6 years ) that have never been delinquent. 

I deposited a XXXX check on XXXX/XXXX/16 XXXX XXXX XXXX and I had XXXX checks ACH checks with Capital One that were debiting my XXXX XXXX XXXX checking account on this same day, XXXX for {$40.00} and the other was a full account payoff XXXX {$1200.00}. XXXX XXXX XXXX did not pay the checks at the time ( they NSF XXXX/XXXX/16 ) due to funds being released in same time period but they refunded the overdraft fees and said capital one could resubmit and they would pay them. Capital one did not resubmit the checks so I issued new payoff checks XXXX/XXXX/16 for XXXX of the accounts. XXXX/XXXX/16 I called them because my account said restricted and they informed me that they closed all XXXX of my accounts XXXX/XXXX/16 and said they would not re-open them. I have been a loyal customer for nearly 10 years and have never missed a payment on any of these accounts. This negatively impacts my credit score since XXXX of these accounts still have a balance and these are my oldest credit lines.
Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.
The following is copied from the email I sent to XXXX : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from XXXX. I need XXXX to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what XXXX is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time XXXX messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the Consumer Protection Bureau to file yet another complaint against XXXX! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.
I have several accounts that are not mine that i continue to have reporting to my credit file i am submitting a new police report that has these accounts added to them so that you can identify them along with a ftc affidavit that has been notarized. still these accounts have not been removed as they are fraudulent
HI, my land lord was doing a credit report check when he found out that i dont have a credit history, But i have been using my credit card for the last 11 months.and i have been getting free XXXX credit score for the past 6 months .So how long before Trans unioun reports my credit score in the system. 
regards.
XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them. 
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy. 

I'm sure he has contacted others at my job too, which is ruining my character within my position.
I am dealing with Navient for XXXX private student loans. My sister paid {$11000.00} towards my loans to have her name remove as a cosigner. These loans went through XXXX collections agency and XXXX of them had no knowledge about the {$11000.00} payment. I started checking my account online and notice that navient did n't post the {$11000.00} to my account. I called them numerous of time and printed out documents from the online account. Then one day I decided to go on my online account and there goes the {$11000.00} payment but the balance remanded the same. First they told me that the online account does n't update because my account is with an collection agency and the information was n't correct. I asked them to send me information on my account and they only sent me information of my payment with the same balance as the online account. My thing is if the online account does n't update then why is the statement the same as the online account and why is my recent payment updated on there. I tried to get more documents on my loans and they refuse to send it me stating they was n't able to send me any documents. They keep sending me the same statement every time when I ask for something more detail. I try to contact the attorney that the judgements are with, but I get no answers and they never return my calls. They also had no knowledge of the {$11000.00}. I been going through this for three months trying to find the right balance because I calculated everything possible way to come up with the correct balance and it not coming close to anything they have and they refuse to send me documents and is giving a the run around.
I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with Transunion and XXXX XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XXXX/XXXX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.
I contacted TransUnion regarding fraudulent inquiries listed on my credit profile. I spoke with Supervisor XXXX in the US Special Handling Department regarding the fraudulent inquires and she confirmed my police report and ID Theft Affidavit was on file ... she also confirmed I previously had a fraud alert on file but, I needed to lift the alert due to applying for a home loan. In review of my credit profile my Broker notified me of the excessive amount of inquires and I notified TransUnion they are fraudulent. I would like to have the XXXX fraudulent inquiries removed from my credit profile. 
Please remove the following inquires : XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 Thank you for your assistance.
XXXX XXXX, XXXX, paid on account {$40.00} ; XXXX XXXX, XXXX, paid on account {$100.00} ; XXXX XXXX, XXXX, paid on account {$40.00}. 
On XXXX XXXX, XXXX, day of the XXXX XXXX procedure after I made the payment I had asked if we would owe anything else. The representative informed me the only amount that I should be billed for would be {$40.00}. 
I never received a bill for {$190.00} at all and did not know about it until I checked my credit report. I do not appreciate this being sent to collection agency without any notification and finding it on my credit report.
Equifax has been contacted for the past several months by myself as well as XXXX XXXX to remove XXXX hard inquiries from my Credit report. Attached are letters from XXXX stating this. I have contacted Equifax and disputed these same inquiries 3 times myself all to their denying them. The other two agencies have removed them but for some reason Equifax is deciding to be difficult.
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLACED BACK ON MY FILE ADDRESSES THAT WERE INDEED FRAUDULENT AFTER SENDING ME INFORMATION THAT THE INFORMATION WAS DELETED. ON XXXX XXXX THE FOLLOWING INFORMATION FROM EQUIFAX WAS SENT TO ME STATING THAT THEY HAD INDEED REMOVED AND DELETED THE FRAUDLENT ADDRESSES THAT ARE IN QUESTIONED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX VIRGINIA XXXX VA XXXX. AS EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLENTY OF DOCUMENTS INCLUDING BUT NOT LIMITED TO POLICE REPORTS FROM NC/VA LAW ENFORCEMENT OFFICES AS WELL AS FTC AFFIDAVITS SUPPORTING THAT THESE ADDRESS DO NOT BELONG TO ME AND I HAVE NOT STAYED AT THESE ADDRESSES AND THAT IT IS INDEED FRUADLENT. ON XXXX XXXX XXXX I RECEIVED INFORMATION FROM EQUIFAX THAT THEY ARE REPORTING THE FOLLOWING ADDRESSES BACK TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CLAIMING THAT IM A RESIDENT OF THIS ADDRESS SINCE XXXX WHICH I HAVE NOT EVER STAYED AT THAT ADDRESS AND THE PROPERTY OWNERS AS WELL AS LAW ENFORCEMENT AND PUBLIC RECORDS WILL SHOW THAT IM NOT A RESIDENT OF THAT ADDRESS. XXXX XXXX XXXX XXXX NC XXXX EQUIFAX STATED THAT I WAS A RESIDENT OF THIS ADDRESS AND CAN NOT PROVE ME TO HAVE BEEN AT THAT ADDRESS AND STATED TO ME THAT I USED THAT ADDRESS FOR MAILING AND BUSINESS PURPOSES AND CAN NOT PROVE SHOW ON XXXX THAT I STAYED AT THAT ADDRESS BY AN APPLICATION OR MAIL RECEIVED BY ME AT THAT ADDRESS. ALSO XXXX XXXX XXXX XXXX XXXX IN XXXX VA XXXX EQUIFAX CLAIMED THAT I BEEN A RESIDENT OF THAT ADDRESS SINCE XXXX WHEN IN FACT THAT ADDRESS WAS FRAUDULENT AND CLAIMED THAT I USED THE ADDRESS FOR BILLING AND APPLICATION PURPOSES WITHOUT SENDING ANY PROOF. BUT HAVE DOCUMENTATION PROVING IN THEIR RECORDS FROM XXXX THAT IT WAS INDEED FRAUD AND I HAVE NOT STAYED AT THAT ADDRESS. ALSO THE ADDRESS OF XXXX XXXX VIRGINIA XXXX XXXX THAT THERE CLAIMING I BEEN A RESIDENT OF SINCE XXXX WAS INDEED A FRAUDULENT ADDRESS AND THE INFORMATION FROM THAT ADDRESS IS FRAUDULENT AND EQUIFAX HAS IN THERE RECORDS INFORMATION PROVING THAT I WAS NOT A RESIDENT OF THAT ADDRESS AND THAT IT WAS IN DEED FRAUDULENT. FROM LAW ENFORCEMENT OFFICIALS. WITHOUT PROVIDING ANY PROOF THAT I STAYED AT THAT ADDRESS AGAIN.. EQUIFAX HAS PROVEN TIME AND TIME AGAIN THAT IT WILL CONTINUE TO VIOLATE FEDERAL LAWS UNDER THE FCRA AND REINSERT INFORMATION THAT WAS DELETED AND CAN NOT BE PROVEN EVEN AFTER RECEIVING INFORMATION IN THERE FILES FROM LAW ENFORCEMENT
XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately