WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting another complaint about Chase bank in regards to customer complaints all the way in XXXX. first and far most, I am not a fan of knowing that when I have to be calling about a refund of an unfair and wrongful charge to my account, I should n't have to call or be connected to anyone in XXXX when the original problem is here, in Arizona. On XXXX XXXX, I was wrongfully charged XXXX XXXX from a vendor called XXXX XXXX, who were not allowed to have access to my account. Second, it was a false charge which was also confirmed by my healthplan via phone with the customer complaint in XXXX, and as of now, though the vendor, only submitted a refund of {$130.00}, the bank failed to return my money into my account right now. I am still not seeing the money adding up to my account as it should. this has got to stop and I want to know since when did I ever agree to send my private information overseas? 
I do n't like anyone from any country to have my personal information and I wo n't accept it now. something needs to be done immediately including refunding my money, at once, as well as adding additional customer service here, in the states, where many of these discretions continue to occur. I am not happy with all the hardship that I have had to endure with this bank and I want and expect answers right away.
i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with  XXXX  and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX  XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from  immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law
I divorced my husband, XXXX XXXX XXXX, on XXXX/XXXX/XXXX. We had a joint mortgage together with Wells Fargo opened since XXXX XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XXXX XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XXXX XXXX, XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XXXX XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XXXX XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to Wells Fargo to remove the XXXX late payment dates from my credit report that were added after XXXX XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
XXXX and Transunion continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). XXXX and Transunion are in violation of FCRA regulations ...
I opened an account in 2003, checking at Suntrust, and they automatically added an overdraft protection line of credit. It was set up as auto-draft for repayment. They took out {$10.00} per month if it had been used to cover an overdraft. When I found this on the report, about a year ago, I went to the bank. It took them an hour to even find it since they don't do Overdraft LOC anymore and it was archived in their system. However, once I started trying to get it corrected or even removed, they bowed their back and said it was being reported correctly after almost 7 years. This bank in particular seems to take pride in telling customers NO. No one that I ever worked with is even there and no one can confirm or deny my allegations of auto-draft for repayment. This is hurting my credit and should be removed after 7 years in XXXX but it should have never been on the report. No one there is empowered to use common sense to evaluate my request but only say it is reported correctly. IT IS NOT. They have total control and are not going to be told they are wrong.
We are owed {$500.00} from XXXX XXXX and they have refused to pay for damage done to our roof while installing XXXX XXXX XXXX. Instead of paying us the {$500.00} they have ignored and state that we owe them {$340.00}. We have disputed this. We have been receiving harassing calls from their collection company as many as 3 calls a day. As an example on X/XX/2017 they called three times from two different numbers. They have sent email when told not to contact us via email and send any communication via US Mail. We have filed a formal complaint against XXXX XXXX XXXX XXXX XXXX for refusal to pay for damage to our roof caused by their installer.
We are in financial trouble due to a combination of factors, including an unplanned job change that resulted in income reduction, and an eldercare situation in which my wife and I have become the sole caretakers of her XXXX old mother with no assistance ( timewise or money ) from other family members. Although we were not debt free to start with, these circumstances have greatly increased our debt ( both credit cards and unsecured loans ) ; while not large, used up the 401K and pension funds I had saved ; and prevented my wife from working due to caring for her mother. After my pension/401K money was used up we finally " hit the wall '' where our debts and living/eldercare expenses exceeded my income. I am not unwilling to pay our debts but need help doing so - I am entering into a Debt Management Plan with a non-profit credit counseling organization, which is helping me get reduced payments and interest rates from my creditors so I can pay them back over time. I chose this option because I do not wish to default on everything and enter into debt settlement ; neither do I want to declare bankruptcy. Nearly all my creditors are cooperating with my debt management efforts except XXXX. I took out a $ XXXX peer to peer loan with Lending Club in XXXX and was about halfway through the 60 month repayment period when all this came to a head. I still owe $ XXXX and the payments are $ XXXX/month, which is killing me as I try to tighten my belt and make this DMP work. Lending Club refuses to participate in the DMP. I have called them personally on several occasions and indicated I am committed to repaying my debt but that I need a lower payment to do so. The only assistance they have given is to push back the due dates to give me a little more time to get they payment together. Unfortunately under our present circumstances there is almost never {$360.00} available that is not needed for something else. I delayed the XXXX XXXX payment until XXXX and was able to pay it mainly because I had stopped paying my other credit cards in anticipation of the DMP. The XXXX payment has been pushed back to XXXX XXXX and as I am making the first payment into my DMP, I do not have enough funds to pay it. Likewise I am not sure how I am going to be able to continue the monthly payments moving forward. I acknowledge that I did agree to Lending Club 's terms, and was able to abide by them for 2.5 years, but things have changed and I am teetering on the verge of bankruptcy, which is not the most favorable outcome for either of us. I have difficulty understanding why Lending Club will not budge when my other creditors have been surprisingly cooperative. Is there any kind of help I can get short of bankruptcy.
Back In XX/XX/2016 Discover I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.
I noticed that Chase Bank failed to pay my  XXXX  property taxes in   XXXX   XXXX  , while I was gathering information to prepare my  XXXX  taxes. I called reported the problem and stated that we should not be responsible for the late fees. Chase Bank quickly paid said property taxes but failed to cover said late fees. I received a letter dated  XX/XX/XXXX  stating that they were never notified of a split parcel prior to date and that we were responsible for said late fees. I called on  XX/XX/XXXX  and my husband spoke with a representative and stated that the tax bill and parcel map number they have is what was on the tax bill and the " split parcel '' should not be an issue. I called back on  XX/XX/XXXX  and spoke with a very rude agent that told us that they ( Chase Ba nk ) d o not receive tax bills like I do that what they receive is electronic and only used map parcel numbers not tax bill number and that the parcel was split and that is the reason they could not pay. I asked her who split the parcel because we did n't. She informed me that Chase Bank could not split the parcel that either my husband or I split the parcel or the    XXXX   XXXX   XXXX    split the parcel. She also stated that the tax information was n't available according to   XXXX    b ecause they had to prepare a new assessment of the property and that is the reason it was n't paid. I informed her that I would contact the  XXXX  office to find out wha t may have  happened and call back. I talked to the  XXXX  office and they informed me that the  Parcel has  never been split and did n't know what they were talking about that our home was n't going to be assessed again and even if it was that tax bills go out every year and assessments are completed in a timely manner. The  XXXX   administrator told m e that sometimes banks use a third party to collect tax information and that the third party  may have n ot given the information to the bank properly. I contacted Chase Bank on   XXXX   and spoke with another representative that was trying to help, so it seemed, and stated that she had no idea why the previous representative told me information about how they process tax payments. I told her that I contacted  XXXX   office and tha t my parcel is not split nor has it ever been split. That my map number and bill number did not change and if a third party gave them incorrect information that perhaps the third party should be responsible for paying penalty but that I should not. She said she would send notice to the escrow department to correct the problem but then as she was typing she sarcastically stated that " the Customer believes we should pay the penalty even though we never received a bill to pay said taxes ''. I am forced to pay taxes and insurance through an escrow account. It is the banks job to pay bills in a timely manner so I do not incur penalties or a drop in insurance coverage. I ca n't state that I did n't pay a monthly obligation to them because I did n't receive a bill. This matter has not been handled correctly on many levels and I am very frustrated.
I am late on a credit card bill from Discover. It is the first time I have ever been late. They have been calling my cell phone 5-10 times a day and my work phone at least 4 times a day. It is a different person every time they call. 

I do not have my cell phone on me all the time and my work phone is busy with work or I am out of the office. So far I have not been able to answer any of them but when I get back to my phones and see XXXX missed calls from them in a span of XXXX minutes, it 's a little over kill if you ask me.
I filed my 1st complaint on XX/XX/XXXX complaint # XXXX on XX/XX/XXXX BOA stated it could not answer my complaint online due to not having XXXX party authorization. So I filed a 2nd complaint on XX/XX/XXXX complaint # XXXX regarding how the bank doesn't process the paperwork they receive and then try to blame the consumer that they are at fault for Bank of America not being able to do its job. Today I am filing a complaint about unfair and discriminatory bank practices in a CRA neighborhood. For not processing paperwork and purposefully running down the clock to a sheriff 's sale to blame the homeowner for missing paperwork in order to avoid having to respond to modification request. I have been in consistent and diligent contact with Bank of America through my case manager XXXX XXXX and with the compliance officer XXXX XXXX and yet neither of them have been forthcoming about the status of my modification request submitted on XX/XX/XXXX that just went to underwriting this week. They are asking for documentation that is unnecessary to prove my son has moved into the home. I have proven he has occupied the home through several methods but they are insisting that I have the PSEG bill put in his name when it is not a requirement for the mortgage. I pay this bill there is a credit and he has changed his address officially with the post office and with his bank and many other ways. He lives here. I have been requested to prove I have child support with the original court order that they have on file since I had the loan and I have sent all updated proof of current support and the new law in NJ on how it continues to pass the child 's XXXX birthday until age XXXX. That still is not acceptable although it is NJ law. I don't know what else to give them. It's an unfair practice and they refuse to respond to the modification request other than to say I haven't turned in paperwork in which I have time and time again. I need help resolving this so I can get my house payment current. The bank has not good intentions to help me bring the loan current because it's not in BOA best interest because it's insured by HUD. This is unfair banking practices. I want them to process the paperwork.
The company in question. Sent a typed letter and hand wrote mine and my wife 's SSN # on the letter. This is a breach of state and federal law and I want to pursue action against them.
Capital one auto finance has indicated that I was 30 days late on a payment for the month of XX/XX/2014. I received a copy of my payments and it indicates that for the month of XX/XX/2014 I made a payment on the XX/XX/XXXX which is 21 days late and not 30 days late.

Thank you
XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem
I applied for a mortgage at Wells Fargo, was assured I would get it. Had an appraisal in hand from my recent divorce. The bank took my money, gave a ridiculously low appraisal and declined ( {$450000.00} ) me. The appraiser used INCORRECT square footage, which he refused to correct ( or even measure ). The bank also refused to use correct square footage ( I hired an architect to measure ).

Less than 30 days later, XXXX XXXX   appraised THE SAME HOUSE for approximately {$600000.00} and the loan easily passed through. The XXXX appraisal was in line with past appraisals and opinions of local Realtors.

I do not believe that my house 's value changed 33 % in 30 days, nor do I believe that such a deviation in value is merely chance or error. I believe that Wells Fargo was disingenuous about its interest in lending. They were either unwilling or unable and encouraged me to proceed DISPITE these facts.
I had XXXX fraudulent charges on my Bank of America Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX were for XXXX, XXXX for XXXX. I contacted Bank of America to have these removed from my account on XX/XX/XXXX. They said they would remove them from my account, but I was unhappy with the customer service and canceled my credit card with them. I paid the remainder of my account balance, but Bank of America continued to bill me for the fraudulent charges. They started adding late fees to the balance as well as charging interest on the fraudulent charges. My balance should be XXXX. Product_Or_Service : Credit Card Visa Account_Number : XXXX
A few years ago someone was using my social security number for their own advantage. I contacted the IRS and made them aware of the situation. I lived in XXXX, MA for the past 15 years and I also work there. I file my taxes every year and I use a pin number assigned to me by the IRS. I checked my credit report and someone went to a hospital in XXXX and got a bill for {$1700.00}. That person is using mu identity. I have XXXX XXXX XXXX XXXX of Massachusetts. That collection is ruining my credit, after I worked so hard to clear my name and credit.
I have a credit card with Citi bank Simplicity card. On XX/XX/XXXX my mom lost her card which is the same number as mine, after she paid her XXXX center. Then after i went online and place a hold on my account so no charges could be put through, I find out there are XXXX in additional charges on the account. I ask them what it is, and the first charge is for XXXX which was for a charge for something that i did not receive that was cancelled. When i called Citi bank they made me hold for 54 min, and continue to disconnect the call, and then lied to me and told me prior to that the charge went through on XX/XX/XXXX when i have proof it was charged on XX/XX/XXXX after the lock date on my chard. now i have an additional XXXX of charges on the card which they still keep avoiding on explaining what the charges are, and keep passing me around.
SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''
My wife and I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting that Freedom Mortgage has made " hard inquiries '' into our credit file, without our consent. 

The company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX we connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded line. 
XXXX confirmed the problem was real, and it had been happening to others. 
XXXX state XXXX  sold them our social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, although he never ever took any further calls, or return voice messages left. Attempts to reach him were un-successful. On way call made to the company, XXXX spoke to me through a CS representative, whom he advised and it was repeated over/over, he could not take my call, that he was in a meeting. Yet he spent over 20 minutes repeating this to the CS that tried effortless to get him to take the call. 

After checking back with the credit bureaus suddenly the inquiries disappeared from XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified his self as a sales Manager named XXXX XXXX, who said he too would look into, and get back with me. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either.
On XXXX/XXXX/2015, I submitted a dispute online with Transunion credit reporting agency. I stated that on XXXX/XXXX/2015, I paid an original creditor, XXXX, in full on an account listed under a collection agency, XXXX XXXX. I gave the confirmation number for XXXX, XXXX and the full amount paid off, XXXX. Transunion 's 'resolution ' is still showing the collection listing as " XXXX XXXX. '' I did NOT pay the collection agency, XXXX XXXX. I paid directly to the original creditor, XXXX. I also submitted a written dispute dated XXXX/XXXX/2015, with all the information and a copy of my California identification card.
I have contacted Equifax on numerous occasions since XXXX 2015 trying to rectify my issues by sending certified letters with my fraud claim/police report and identifying information. Every claim I have disputed, Equifax has replied that the items I am disputing ( specifically a collection : XXXX XXXX XXXX XXXX ) is verified as mine. I contacted Equifax to receive the identifying information that concludes this report is mine and was told that it would be sent. After not receiving this information I called again and was told that they could only verify that XXXX XXXX XXXX XXXX verified it was mine and they can only go by what the agency reports. If Equifax has the right to keep fraudulent information on my record, I need to have the identifying information. In the past, when I have requested identifying information on another disputed account, Equifax only sent a letter stating that my " social/address/and DOB were verified ''. This is not sufficient. If I am a victim of identiy theft, how is this verifying information. I would like this information removed from my credit report, as this account does not belong to me. Equifax is holding on to fraudlent information and not protecting my rights.
Penn Credit calls my home repeatedly. When I answer the phone, they state a name ( for example " XXXX XXXX '' ) and ask if I am that person. I say " no '', and they hang up. The next time they call, they give a different name ( for example " XXXX XXXX ), and ask if I am that person. Everytime they call, they ask me if I am a different person. 

Penn Credit is obviously going through the phone book, or just calling random numbers, on the off-chance they will reach a creditor. I have stopped answering the phone when they call, but I am really tired of having to put up with this behavior. It is harassment. Someone in the government should file charges against this company. Better yet, put them out of business.