WillisBack/dataset-financial-user-claim huggingface dataset:
Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.
The Bank is US bankMy bank account had 2200 dollars in my bank account on XX/XX/XXXXI deposited a check for XXXX on XXXX so I my balance was over XXXXthe bank returned my check. 
they stated on of the names on the check was on the account being deposited. 
Received an email stating my bank account was over drawn to -4500 dollars on XXXX called the bank.the same dayThey bank stated the overdrawn position was a bank error. It had something to do with making money available during the deposit phase of the check deposit. they told me they had moved over 5400 dollars from my line of credit to cover the overdraw position. Complained and asked how can an account of more than 10,000 dollars go down to XXXX XXXX XXXX ). The difference between these XXXX numbers was XXXX dollars. How could they have taken that much money out of my account? They said it was a bank error and that they would fix it. To this effect they stated they would refund the charges for the bank transfer of 5400 dollars. I assumed it was fixed. 

XX/XX/XXXX I received a statement from US Bank stating I owed over 5400 dollars. I called again XXXX. The last person stated that it their department was the checking department and they could not help with the premier line of credit because it was a credit card problem. 

Called them another day. Asked to talk tot he premier line of credit department. They stated they would not help. They referred me to the branch manager. 

Called the bank manager. The manager is not there all the time. They promised to call monday XXXX. In the mean time their credit card department is calling me stating that I am past due. I explained whit the problem is and they stated they can not correct the problem. As of today they have called me XXXX times. 

The facts are my account balance was never XXXX. I had not withdrawn or spent money during the time that the check was deposited. This should have never happened. At least XXXX people at the bank have acknowledged this was a bank error. However not one has fixed it. 

How can force them to fix the problem?
I have been try to get mortgage loan assistance for a number of months from Bank of America. They repeatedly ask for information that had been previously provided. Bank of America apparently is stalling to the point where they wo n't have to take any actions. Note that information has been forwarded to them via phone, fax and XXXX XXXX. 

My loan number is XXXX
In  XXXX  of  XXXX  I contacted Navient by phone to initiate the process of having my student loan forgiven as part of the   XXXX    Loan Forgiveness pro gram. I was told by the representative that my loan did not qualify for forgiveness. I continued to make payments until  XXXX  of  XXXX  when a conversation with a colleague made me suspect that I had been given bad information. My loan did qualify for forgiveness. I undertook the process of getting loan forgiveness.  Navient  rejected my application four separate times for a variety of extremely trivial reasons ( e.g. I wrote a date as  XXXX  rather than  XXXX  ) but finally sent the note to the guarantor who paid my loan in full.   Because I was given false information on the nature of my loan, I ended up making a full year of payments unnecessarily.
I have contacted Equifax about unauthorized credit inquiries on my credit report and they refuse to assist me with resolving my issue. The following are placed on my report and are unauthorized. 

XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX T : 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/XXXXXXXX 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 XXXXXXXX
I have an existing conventional home mortgage with Wells Fargo Home Mortgage, which has improperly applied my payments to pay down principal instead of for monthly payments. 

Five electronic cash transfers were sent to Wells Fargo for an existing mortgage that should have been applied to a monthly payment cycle ( principal+interest+escrow for tax and insurance ). The payments were correctly made using a Wells Fargo-branded payment module to the mortgage account. 

Wells Fargo mis-applied the cash transfers and applied them entirely to pay down principal and demanded additional payments to become current again on the normal monthly payments. Calls to Wells Fargo resulted in incorrect explanations and demands for additional payments. It took 11 months, false explanations, and countless calls to figure out what actually happened, at which point Wells Fargo would only reverse principal payments from the last 90 days, which covered a small fraction of the funds involved. Wells Fargo 's own incompetence led to the delays and the mis-applied funds going beyond the 90-day window. 

In summary, Wells Fargo took in funds and mis-applied them without permission, then demanded additional payments and delayed action until they claimed they could no longer reverse the older payments. I never stipulated that the funds should be used to pay down the principal and Wells Fargo refuses to refund or credit the payments towards normal monthly payments. I have been forced to make additional payments but am now in default. 

The payments are each for {$1600.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$8100.00}.
XXXX XXXX, 2015 I would like to file a complaint against Citi Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by XXXX XXXX ( now XXXX XXXX ) for XXXX % of the loan amount. The interest rate was 5.875. In addition, there was a second mortgage with Citi Mortgage at a rate of 7.5 %. XX/XX/XXXX my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a HAMP because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
Respectfully XXXX
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and  anything pertaining to XXXX XXXX be listed one time.
XXXX XXXX XXXX XXXX XXXX XXXX, VP of Lending and XXXX XXXX, asst VP of Lending are falsifying my modified Equity loan with efforts of suppressing my credit score with Equifax, XXXX, and XXXX. I modified this Equity loan  XX/XX/2018, I've never been over 30, 60, 90, 120, 150 nor 180 as teported on my credit report. This Racially charged effort by both XXXX XXXX and XXXX XXXX has lowered my credit score and sabotaged my credit POWER as an consumer.
Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.
I recently received mail from TransUnion regarding a previous dispute. They did not delete accounts that contained OBVIOUS INACCURACIES AND VIOLATIONS. Still reporting are unknown accounts, accounts reporting concurrently as " open and " closed '', re-aged accounts, accounts with conflicting dates. For example, please tell me how an account was open on both the XXXX of a month AND the XXXX of a month??? How is this an example of a " verified '' " accurate reporting '' of an account??? I've also added several XXXX accounts that I just noticed are reporting negatively for 2012. I was always on top of deadlines and called this company all the time often WAY ahead of time, even when they were still XXXX XXXX. I always filed paperwork on time if needed. Also, XXXX has never mentioned an issue with my account and has literally made up a story about supposed lateness in 2012 and supposed calls they made to ME. In addition -- and most importantly -- XXXX  has not ever provided me bank statement / transaction proof of supposed late payments ( AS THE LAW REQUIRES ) -- BECAUSE IT NEVER HAPPENED! I was never late! See attachment, which also includes my  identifying information.
This complaint is about XXXX XXXX XXXX XXXX in XXXX, California. These evil vermin saw me a year ago at their ER. They essentially read my XXXX XXXX and sent me home. The bill was over {$4200.00}, for a XXXX XXXX reading! This did not include any actual 'service ', that was all billed separately. Being post-XXXX America, and because I have the audacity to work for a living, I got bills from half a dozen different agencies. Despite attempts to make equal payments to all associated vultures, one slipped through the cracks. After 30 days without a payment these creeps sent me to a XXXX collection agency that is demanding usurious interest. The XXXX XXXX in their receivables department now refuses to work with me to get the account in good standing. Any patient not in immediate life threatening condition should avoid this place at all costs. Better to grab some cash and head to XXXX. They are a den of thieves and thugs. I can not believe this happens in America.
I obtained my credit report and discovered multiple errors. I send a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I received a letter back stating they had verified this using a third party ( XXXX ). I sent a second letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX, stating that I was requesting the information that they used to verify the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. I mailed a fourth letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This time I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. Once again, this proves that Experian has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person.
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Any help in this matter would be greatly appreciated.
I had to file bankruptcy due to high student loans and unable to find a job to pay loans with high interest rate
They contacted my son at work twice on his phone even after he told them, that was n't his number and he was at work.
I have a profile with XXXX app through XXXX ( XXXX ). Not sure what's the password. I contacted XXXX CS todayXX/XX/XXXXand they requested me the last 3 digits on back the card. I provided it to them but they sad it's invalid, of course, because XXXX has been replaced my card. The representative said I have to contact XXXX to provide me the last 3 digits of the old card. I don't need to say XXXX CS said it's insane nobody stored old information due to security. It's ok so I enrolled in XXXX using XXXX but I never get a password for, I requested reset password on the app and said the account has been locked. I contacted the XXXX CS again and they said my personal information 3 digits back of card and zip code doesn't match with XXXX information. Which is not true I have all my profile open on my side.Very complicate XXXX CS.
Hello, I have a car loan with Ally Financial for my car loan, In the time that I have had the car which is a total of 15 months, if I am a day late with the payment I receive multiple phone calls a day and messages threatening for payment, I fell behind on my payments due to financial issues and called Ally on XX/XX/XXXX to discuss options on how to work out a payment arrangement and was told my vehicle was on a re-procession list and could be taken within the next few days. I took what money I had and with speaking to the customer service agent was told I could be put on a program to take 2 payments I was behind with and place them on the end of the loan and I could start making monthly payments without issues. I received the paperwork to be signed 8 days later in the mail and sent it back thinking all was fine like promised. On XX/XX/XXXX my roommate opens our door to our home to find a woman on the property taking pictures of the house, mailbox and my Vehicle a XXXX XXXX XXXX. She Said she was from Ally and was looking for myself and my roommate mentioned I was not home which was true. This woman did not belong on the property, nor asking questions or stating the matter of which she was looking for me to my roommate. It is against the Law and It needs to be said. I am very upset about this matter because I have done what is asked of me and I am still being harassed by a company that messed up their paperwork on their part not mine.
Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report
On XXXX.XXXX.17. I answered a solicitation by transunion to get a FREE COPY of my credit score. I made an application and they required a credit card. I complied thinking they needed for identification or future purchase choices. That wa not their intent. They signed me up for a subscription service ( there is no mention of a charge or subscription in the add. I called and the young Lady helping me very pleasantly cancelled the subscription and refunded the charge. My thanks to her!!! Now on to the problem ; I have a subscription service with XXXX.These is my credit scores as reported by EACH SERVICE to XXXX : Credit Scores XXXX As of XX/XX/2017 XXXX XXXX XXXX TransUnion As of XX/XX/2017 XXXX XXXX XXXX XXXX As of XX/XX/2017 XXXX XXXX Average XXXX Credit Score for your zip code, XXXX, is XXXX. Now, if I go to the transunion site, they have my score at XXXX ( giving it a XXXX XXXX ). Same company, two very different scores. This is fraud!!! The difference in the two scores is catastrophic to my creditworthiness. A XXXX pt difference reported by the same credit reporting service ( transunion ). Several inquiries, form reports ( which are VERY USER UNFRIENDLY ) and a telephone call did not correct the problem, nor did they even address my specific complaint.I am attaching three responses from transunion to support my claim. Please do not post my private information. The complaint itself you may publish. I look forward to your response and an apology from transunion, and any damages you may want to award me. Sincere Regards XXXX XXXX
I purchased a XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX of XXXX ( at the address : XXXX XXXX XXXX, XXXX, VA XXXX ). After trying a few different ways to deceive me, the dealership finally managed to charge me {$500.00} more than the price we had agreed, through a well-played bait and switch strategy. They first gave me a higher price than what they 'd quoted on the phone. Once we settled on the price, they gave me a financing offer that was XXXX of what I was getting from a direct dealer ( with my XXXX FICO score ). They kept me and my then XXXX old baby waiting around for XXXX hours ( kept saying " they were taking care of us '' ) as we were negotiating on the price/financing and waiting for the car. When we finally reached an agreement and all papers were ready, it was late in the evening. I had my XXXX old infant with me, who was exhausted, sleepy and screaming and hence did not examine the final documents as well as I should have - which is how they got me. They showed me {$30000.00} as the out-the-door ( all in ) price written on a piece of paper ( which they then carefully collected ). I agreed to that price and made a down payment of {$2000.00} via check, which meant my loan amount should have been {$28000.00}. In a few weeks I got my financing papers in the mail and saw the loan was in the amount of {$28000.00}, {$500.00} more that what I was promised. 

After several email and in-person conversations, the dealership accepted this was a mistake and that they would make it right. I stopped by the dealership on XX/XX/XXXX, as per their request. The finance manager XXXX XXXX apologized, and made me sign a paper that said I was due a refund of {$500.00}, which I should expect in XXXX weeks. They did not give me a copy of this paper. It has been XXXX months since then. I have not received a refund, nor was I proactively contacted by anybody. 

On XX/XX/XXXX, I contacted the sales associate, XXXX XXXX XXXX and received this note : '' Dear XXXX, I completely understand why you would be outraged by now. The inexcusable failure to refund your {$500.00} with interest is just XXXX of several similar incidents of customer abuse that have prompted me to terminate my relationship with a disreputable dealership and move on. My suggestion at this point would be that you contact XXXX XXXX XXXX XXXX XXXX directly, if you have not already done so. Your situation is totally inconsistent with XXXX standards of conduct and it will not be tolerated. I 'm so sorry that you were a victim of unscrupulous business practices by XXXX XXXX, and I hope you obtain redress. XXXX, XXXX XXXX ''. 

I contacted XXXX management later and received below response on XX/XX/XXXX that this is related to the dealership and they will not take any action. In the meantime the sales associate ( XXXX XXXX ), the finance manager ( XXXX XXXX ) and the general manager ( XXXX ) that had worked on my loan all left the dealership and now there is nobody there with a memory of the deception I 'd been subject to and the intention to make it right. I also have zero confidence that they will take any positive action in the matter.
When gathering my annual credit report on-line, both XXXX and XXXX provided the report without a problem. The Experian credit report failed repeatedly to do so, with a reference only noting that they are " unable to provide the report ''. There is no provided means of disputing or calling for the required free annual report at XXXX or at experian.com sites ( or via phone to Experian ).