WillisBack/dataset-financial-user-claim huggingface dataset:
The first time I sent money from WU to XXXX using my Debit Card, it went through without any issue. A week later when I try to send another money it failed with the error message " Your transaction could n't be completed. '' I called Western Union regarding this error and all the agent told me was " I do n't know what happened, I can not see the error from here '' I asked the agent to get me someone who can tell me what the error means and why it is failing, the agent told me No one in WU can help me regarding this error I should go to an agent location to send the money. I thought this is absurd. Why do you provide me the choice to register an account online and not be able to tell me why the transaction is failing. This is n't the first time. WU has not been helpful in dealing with this and they have very terrible agent who 's mean job I believe is just to get customer 's to stop using WU services
Wells Fargo first told me they. Any process payroll for me because I have lots of staff dont have social security numbers. At first, maybe I thought theyre Arizona based company and dont understand CA. Then I found out another different entity that I operate in WA got closed too ( all staff there have social security numbers ). I asked them why then they said because of me. 
Then about a month later, I got letters fro Wells Fargo to inform me that its their business decision to close all of my accounts on XX/XX/2019. They didnt tell me any reason but told me its their business dicision and nothing else.
On  XXXX   XXXX  I received a refund check from  Santander Consumer USA.  The check stated the refund was for my  XXXX   XXXX   XXXX  I financed with them in   XXXX   XXXX   The check was in the amount of  XXXX  with a check date of   XXXX   XXXX   XXXX  . I calle d Santander Consumer USA to  verify that the check was accurate because I paid my car loan off with them on   XXXX   XXXX   XXXX  . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   I deposited the check and spent the money. On    XXXX   XXXX   XXXX    I received correspondence from my bank advised that my account was charged back for the check in the amount of  XXXX  and a  XXXX  dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by  Santander Consumer USA.  I contacted Santander on     XXXX   XXXX     and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within  three  business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On    XXXX   XXXX   XXXX    I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with  one  more person. On   XXXX   XXXX   XXXX   I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in  XXXX  dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check.     The business responded by saying they would not be reissuing the check in the amount of  XXXX  but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on   XXXX   XXXX   XXXX
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach and with what they have been offering to potential victims to protect them. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account indefinitely ( not just for 90-days following a consumer-requested alert status ) and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. The credit monitoring firms should be required to provide SECURE ways for consumers to freeze and unfreeze their credit. Requiring a police report is absurd when they clearly know if you were affected.
I got a Care Credit card becuase I had to have emergency XXXX  work. A XXXX XXXX, and it went into the XXXX. I had to had a lot of work done. I didn't have a choice. So I got the Care Credit to pay for it. I have been paying on this bill every single moth, sometimes twice a month, and I can never get it paid off. The interest rate has made my total charges almost double what they were to start with. Yes, I did try to call and talk to someone. After being on hold forever, I finally got to speak to someone that didn't speak English very well.I was literally crying. I had no idea what he was saying. So then what do I do? I wrote them a letter and asked about my interest rate. Now I have paid the card late as of today. Here 's the thing : my bill arrived on XX/XX/XXXX. I got it in the mail today ( XX/XX/XXXX ). It arrived on the XXXX, but it was due by the XXXX. How can they send the bill AFTER the due date and charge you late fee, after late fee, after late fee? I truly believe they do this on purpose-send the bill so that it will arrive late and then charge you late fees. I am so disgusted and frustrated. The late fees for this month are {$79.00}. {$79.00} late fee for one month ( late by like 3 days ), when the bill didn't even arrive until after the due date? This company is unethical and deceptive. I'm a single mother with NO child support. I had a medical emergency that was beyond my control. I don't even know what to do.
I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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 was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
I took out a small loan to subsidize my XXXX education. The loan was serviced by XXXX. Considering the size of the loan and the limited options to reduce my interest rate, i do not believe navient had my best interest at heard when they financed my small loan amount out to 30 years. Essentially I was just accumulating and subsequently paying on interest and very little principal. I believe these practices are a false and predatory for students who are to be contributing to greater society. It was difficult to work with them to get a loan amount that was within budget but also aggressive enough in payoff amounts. When I paid a lump sum early, it Essentially deferred my next payment not demonstrating good faith of my determination to pay off the loan or reduce the interest rate
I subscribe to several credit monitoring services. In XX/XX/XXXX I stopped getting any updates on my reports from Equifax. I called Equifax in XX/XX/XXXX to find out what the problem was but they could n't help ask me. In an attempt to troubleshoot the problem I attempted to sign up for Equifax credit monitoring service however I was unable to so I called to ask why and they did n't know. I spent a bit of time on the internet and came to believe that my inability to access my Equifax report was most likely due to my having too many soft inquiries on my credit report. OnXX/XX/XXXX I  called Equifax and told them what I suspected the problem was, they agreed with my assessment and said they would send the issue to the technical depart to have the excess soft inquiries removed. I was given a case number which is : XXXX. I was told the problem would be fixed in 7 to 10 days. After 10 days had passed and it was n't fixed I called to see what was going on and I was told it takes 7 to 10 business days to have problems fixed. I called again today ( it 's been over 10 business days now ) and was told it has n't been fixed and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them over the past few weeks and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them.
I recently discovered I have only been on a " interest-only '' payment with XXXX XXXX or as they are now calling themselves, Navient. The interest only payment is {$630.00} dollars a month! I make {$40000.00} grand a year and owe {$130000.00} in student loans so I immediately called them to ask them for a lower payment plan. They old me that I do not qualify because I " make too much money. '' I then told them that I have been in conversations with bankruptcy attorneys because of my student loan debt. They told me the only way they would even consider lowering my monthly payments and my current interest rates of 11.5 % is if I do actually file for bankruptcy. This is an absolute joke. These private loan lenders are sucking the working class dry and robbing us of any hopes of a future. I ca n't even move out of my parents house because my " minimum principal '' payment is {$1100.00} per month until I am XXXX years old. I am currently XXXX, how is this even legal? Legislation needs to change IMMEDIATELY regarding private loan lenders, especially XXXX XXXX. They are the biggest loan sharks I have ever dealt with in my entire life!
I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.
Regarding this closed compaint. XXXX about TRANSUNION 1 ) Tried to submit feedback via the link provided on your site and can not load the page. Page doesnt work and times out loading the submit feedback page <<< 2 ) Transunion responded they remove records from a credit report greater than 10 years of being reported closed, even for accounts in good standing. As such some of my accounts that were greater than 30 + years old were removed from my history, thus removing any evidence of my long standing good credit history. As such my oldest age possible account according to Transunion reporting practices is now limited to 10 years. FICO uses ones oldest accounts along with newest accounts to calculate an overall average credit age and a longest standing account age where both factor into your overall Average age of accounts that makes up of 15 % of a FICO score. This is an unfair reporting practice, particularly obvious for someone in my situation, because I used no credit during the last ten years. A competing credit reporting agency still has my credit historical records listed and my scores are much better. So either FICO should change their scoring models to be more adequate to consumers or Transunion should not be allowed to change your average age calculations by removing older, in good standing credit records from your history
This is yet another complaint against Toyota Motor Credit ( TMC ) for my TMC account # XXXX ( Joint account and I am the primary account holder ). TMC keeps reporting this joint account to all XXXX CRAs as a CHARGE OFF when it IS NOT. TMC lost the payment I made back on XX/XX/2017 and it took them months to locate the payment and apply it to the correct account. And in the meantime TMC reports my account as a CHARGE-OFF and it is not. Me and my cosigner have been going through this issue since XX/XX/2017 to no avail. TMC removes the charge-off when I call or file a complaint, and the next month the charge-off marker is back on my credit report thus affecting my excellent credit standing by 90-95 points drop in score. 

This is crazy and unacceptable. How much more time do I spend on this issue? How many complaints do I need to file to get this information corrected permanently? How is TMC going to reimburse me for my countless hours wasted on phone calls and being transferred from one TMC and credit bureau representative and department to another, being put on hold for hours, explaining everything all over again to tens of different representatives in different departments? How much longer ... ..??? Seems like they don't know what they are doing and how ... This is sickening, this is a violation of my FCRA consumer rights. Who is accountable for this?
Re : Leased XX/XX/XXXX XXXX XXXX My 3-year lease with XXXX XXXX ended on XX/XX/XXXX. I have made every effort to return the car but XXXX XXXX has failed to cooperate. 

I had the pre-inspection done in XX/XX/XXXX, and the car was in approved for return. In early XX/XX/XXXX, I called XXXX XXXX and asked for instructions for returning the car, because the dealer from whom I obtained the car is no longer in business. A representative told me to call other XXXX dealers nearby. I called the 4 closest dealers, and all of them refused to accept the car. 

When I reported this to XXXX XXXX  on XX/XX/XXXX, the representative told me that they would send someone to collect the car within two days ( by XX/XX/XXXX ). However nobody called and nobody came to pick up the car. On XX/XX/XXXX I called again to inquire, and was told that I would be contacted in 2 weeks or so about the pickup. This contact never occurred. 

I have called numerous times about this matter, and XXXX XXXX representatives have repeatedly shifted the blame to third parties, refused to allow me to talk to a supervisor, and promised that someone would be sent to retrieve the car -- but this has not occurred. 

In the meantime, I have moved out of the state, so I can no longer store the car or deliver it anywhere. The car is being kept temporarily at a friends house, awaiting the promised retrieval. 

The last call I received from XXXX XXXX was XX/XX/XXXX, and the representative again promised that the car would be retrieved, and someone would contact me within 48 hours to make arrangements. And once again, the promised contact did not occur. 

Back when I was first told the car would be picked up ( XX/XX/XXXX ), I filled out the DMV form to release responsibility for the car. Since then, my lease has ended ( on XX/XX/XXXX ) and I believe all my obligations concerning the car have ended. The car is no longer registered in my name or insured by me. XXXX XXXX/Santander Bank is now Owner of the vehicle and is legally responsible for the car. But their dealers refuse to take the car and they keep failing to pick it up. 

As far as I'm concerned, this is an abandoned vehicle.
I have applied for a loan modification and was denied due to " Insufficient Monthly Payment reduction '' at this time my interest rate is 6 % and I am working as a sales person and I also have rented a room out to try to make ends meet, I can start making payments but this is the answer I got, Nationstar is refusing to lower my interest rate and modify my loan so I can afford to keep my house.
I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.
I'm writing because I applied for, and was approved ( XX/XX/2018 ) for a  Chase Slate credit card with a credit limit of {$4000.00}. I received my card in the mail XX/XX/2018. My card offered a 0 % interest for 15 months and offered a balance transfer with the same interest rate. I transferred a balance ( {$1100.00} ) from another card as my first major transaction. I then called Chase and notified them that I would be traveling with my family on vacation to XXXX and XXXX. I used the card for dinning while with my family in XXXX. Once I returned from my vacation, I received a letter from Chase 's Executive Office in the mail dated XX/XX/2018 stating that they are closing my account XX/XX/2018 " because continuing the relationship creates possible repetitional risk to our company. '' I called the phone number listed in the letter ( XXXX ) XXXX, no one could tell me why Chase was closing my account and could not provide me with any additional information. I called the number several times thinking that someone would eventually be able to provide me with a detailed explanation, to no avail. I have checked my credit report with all three bureaus, there is nothing that reads negative on my report. All of my accounts are current and I have no collections, etc. I even tried going into a Chase bank branch, they said they couldn't provide me with any details. I WOULD LIKE TO KEEP MY ACCOUNT OPEN, and would like to build a long-term relationship with Chase. Can you please help me? If there is something that is of concern, I would like to know, so I can address the issue or resolve any problems that I'm not aware of. Thank You!
I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX
wells fargo bank merchant services opened a account on XX/XX/2014 since then the have been taking XXXX a month from my account automatic for the fees we called them on XX/XX/2014 to let them know we wanted to cancel not open the account. We also send a letter stating the same copy in file the he have being trying to resolve this from day XXXX wells fargo has done nothing but keep charging the XXXX monthly fee and almost always charging a XXXX dollar fee also this action from wells fargo is also affecting other transactions also causing a fee of almost XXXX for each item average of XXXX a month Wells fargo has done nothing but to charge the monthly payment and fees looking to get this resolved asap thanks for your help.
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX XXXX and XXXX, Experian, and XXXX for which they claim My account was charged off {$1100.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I recently pulled my credit file and I realized XXXX XXXX was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from XXXX XXXX and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
I am attaching a copy of the request that I sent to XXXX and Trans Union on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.
XXXX  life miles visa ; -Card is restricted -Avianca error on a balance transfer and sent {$3700.00} payment on  XXXX  to wrong company, a company i never provided.   -When i called to confront  XXXX   , i w as forwarded to fraud department, fraud investigator provided untruthful statements trying to get me to believe all visa cards were malfunctioning.   - I i nformed Fraud investigator h e was lying, that i have friends who have same card and are not restricted or having other issues as i am.    Fraud investigator  was caught off guard and refused to answer when i asked him why he was lying.   -Due to the restrictions, which were not placed until i disputed a   XXXX   balance transfer of {$3700.00} that was sent to wrong company, I am unable to pay or use this account.    -I am  unable to verify charges- - I strongly urge someone to listen to the call on  X/XX/2017    with  XXXX  and a fraud investigator - I have talked to  3 f raud investigators from  X/XX  through  X/XX/2017    all have provide untruthful statements - to ensure I have a private right to file a lawsuit and collect damages, I have filed disputes with all the credit bureaus.   -  XXXX  representative has also contacted family members at phone numbers i never provided to them or gave them permission.  XXXX  has shared private information with others violating our agreement and Federal law.   - I am also requesting the complete unredacted file  XXXX  has compiled on me, as this is my right and they MUST comply.