WillisBack/dataset-financial-user-claim huggingface dataset:
Trans Union ( " T.U. '' ) provides is providing different credit information regarding instant consumer to different creditors. Attached is a XXXX XXXX report wherein T.U. not only provides inaccurate information, but the information being reported in the XXXX XXXX report fluctuates dramatically without just cause. 1. T.U. has deleted the Bankruptcy dated XX/XX/XXXX from my T.U. credit report, but continues to report it to XXXX XXXX on my XXXX XXXX Account. 2. T.U. currently reports that 75 % of my payments are On-Time payment, but in XX/XX/XXXX, T.U. reported that 90 % of my payments have been On-Time. Of particular importance, my T.U. credit reports indicates that I have had NO late payments in nearly 24 months. 3. T.U. reports to XXXX XXXX XXXX XXXX that my oldest credit line is XXXX years old, when they previously reported that my oldest credit line was XXXX years old. Amazingly enough, on XXXX XXXX T.U. report my oldest line of credit is only 5 years old.
Trans Union is obligated to report accurate information. 15 U.S.C. 1681e ( b ) states that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On information and/or belief, T.U. can not be following reasonable procedures to assure maximum possible accuracy if T.U. is sending disparate consumer reports to varying creditors, XXXX XXXX, XXXX XXXX and XXXX XXXX. Clearly this is lacking in each of the reports.
I am exempt from paying property tax as I am a 100 % service disable veteran. I received the exemption approval from my city on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX regarding the tax exemption and XXXX regarding my escrow account. All requested documents were faxed to Ditech at XXXX XXXX XXXX XXXX. 
- XX/XX/XXXX Ditech confirmed they received my documents and was told my tax liabilities were zeroed out of my escrow account and wait 7-10 business days for an escrow re-analysis. 
- XX/XX/XXXX Ditech paid my winter XXXX taxes without receiving a bill. My exemption was approved by the XXXX of XXXX and a winter tax bill was never mailed to Ditech. The XXXX of XXXX mailed a refund check to Ditech in the amount of {$480.00} on XX/XX/XXXX. 
- XX/XX/XXXX I spoke with XXXX and was informed that the tax department zeroed out my summer taxes but not my winter taxes. She said she resubmitted the request to reflect a 100 % property tax exemption on my account and should be resolved by XX/XX/XXXX. XXXX tax refund check not showing in their system. 
- XX/XX/XXXX I spoke with XXXX who stated that my account was still under investigation. I requested to speak with the tax dept, the escrow dept or a supervisor and was denied. She said all I could do was wait. 
- XX/XX/XXXX I spoke with XXXX Stated my escrow account was still wrong even after last investigation. He opened a new investigation but once again I was denied the opportunity to speak with the tax dept, escrow dept or a supervisor to attempt to resolve issues. 
- XX/XX/XXXX I spoke with XXXX where I requested to speak with a U.S. customer service representative. Someone who had the experience and knowledge to go over my still inaccurate escrow account. 
- XX/XX/XXXX I was transferred to XXXX who said she was from the tax department. She stated they received the winter tax refund check in the amount of {$480.00} but it has not been sent to Ditech as of yet. I was advised to wait until I see the refund detailed on www.ditech.com. Once I see the refund, call them and request another escrow re-analysis. 
- XX/XX/XXXX I spoke with XXXX who stated they did receive the winter tax refund check and I was advised to wait another 7-10 business days for a yet another escrow re-analysis. 
- My escrow account is showing that I owe {$20.00} when in actuality Ditech owes me {$1500.00}. 

All of this has put a financial burden on me as my escrow payments were increased which in turn increased my monthly payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. I have been paying {$910.00} when my correct payments should be {$620.00}.
My loan was sold to PennyMac by Company XXXX on XXXX XXXX, XXXX. I received two XXXX forms from both companies in XXXX XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XXXX. 

So I reached out to Company XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. 

Then I contacted PennyMac on XXXX XXXX. XXXX on the customer hotline ( XXXX ) did not listen, instead she gave me an ATTITUDE that " She knows her business, but I do n't know what I am talking about. PennyMac 's XXXX is correct! '' I requested her transfer me to another customer representative. This time, a lady called XXXX XXXX ( the spelling of her first name might be wrong, but it sounded like XXXX ) claimed that she is the supervisor. After I explained my case, she gave me the same ATTITUDE. She was firm that PennyMac 's XXXX is correct and PennyMac did not receive any additional money from Company XXXX on my behalf. Eventually we had a 3-party call with the mortgage staff from Company XXXX. Finally XXXX acknowledged that the mistake was on PennyMac 's side and promised me that I will receive an updated XXXX in 3-5 business days. 

I waited till XXXX XXXX, but received no XXXX at all. So I contacted PennyMac again. This time, the customer representative, XXXX told me that ( 1 ) XXXX is NOT a supervisor ; ( 2 ) XXXX did not properly documented the case and their year-end team could not investigated into my case at all. So XXXX started over and we had another 3-party call with Company XXXX. Now I am waiting to hear back from their processing again.
XXXX, XXXX in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XX/XX/XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XX/XX/XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.
I am a victim of identity theft. I received a letter in the  US  mail fro m Macy  's on  XXXX   XXXX ,  2017. Th e letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacte d Macy 's Cust omer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised I needed to contact the New Accounts Department which was open M-F  XXXX  -  XXXX  at  XXXX . On Monday  X/XX/17   , I contacted  Macy 's N ew Account Department, I was informed I needed to contact an alternate department at  XXXX . At  XXXX , I spoke with  XXXX  who advised the request for credit was not processed because I have a security freeze on my credit file. I requested a copy of the application,  XXXX  confirmed with her supervisor it would be mailed within  7-14  business days. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX  whic h Macy 's r eceived on  X/XX/17   . Since I received no response from  Macys,  I sent a second letter to request a copy of the application on  X/X/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX , which  Macy 's rec eived on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from  Macy 's regarding the application details. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within thirty ( 30 ) days of my written request. I am filing to complaint due to Macy 's not responding to my request.
Chase Credit card does not pay off the higher APR when you make a credit card payment. So a {$900.00} cash out transaction I got 10 years ago has accrued interest to where my entire credit card balance is now considered all cash out at an APR of 26 %!!
i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also
The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX
In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.
I have sent several certified letters to  XXXX ,   XXXX   and Equifax demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as Equifax. All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XXXX / XXXX /  XXXX    Amount  : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
Almost a year ago, ( in XXXX ) I started with XXXX XXXX and was given the phone number XXXX. I started receiving debt collection calls from Wells Fargo ( and several other companies ). I told them REPEATEDLY that I was not the person they were trying to reach ( XXXX XXXX XXXX. I phoned and spoke with XXXX different people who said they would take care of the daily calls and the calls NEVER stopped. I ended up writing to their headquarters and received a letter in response. It took another several calls before the calls finally ceased. Today, after almost XXXX year later, I received another call from Wells Fargo trying to contact XXXX XXXX. Obviously they have never up-dated their records. Why must I be getting these phone calls just because Wells FargoXXXX, etc. were XXXX enough to give this person credit? I am sick and tired of using my contract minutes ( on my phone ) trying to straighten this out!!! What else can I do?????
I took out a loan with Speedy Cash. I was paying the loan when my mother had a XXXX and I had to contact Speedy Cash in reference to me leaving town for two weeks. Per Speedy Cash, they will put the loan on hold and once I return to make up the payments. After returning home two weeks later I learned Speedy Cash sent multiply payment through my checking account causing serious problems I had to clear up. I asked Speedy Cash how much was left on my loan so I could complete my payments. I then learn none of my payments was going towards my loan as informed. After calling numerous times to clear this matter Speed Cash has now placed this derogatory information on my credit report. 
Speedy cash then referred me to XXXX XXXX XXXX XXXX. Ive contacted this company and informed them of the problem I had with Speedy Cash in repaying my balance. XXXX  XXXX XXXX stated, oh well I would have to pay what Speedy Cash have listed or contact them again. When I tried calling Speed Cash, they inform me I must speak to XXXX  XXXX XXXX to settle the payment. Ive tried over and over again contacting both companies but the representatives are so unprofessional and rude they refuse to get me to management. 
Now Im getting calls at my place of business several times a day, in which I asked them to stop. The representative stated until I pay the loan they will continue calling me. They call my job stating the police will come to my place of employment to arrest me. They call my friends and family and tell them unless I call XXXX  XXXX within 48 I will be arrested. When I inform them I would file a complaint against them they stated go ahead they going to get me arrested anyway for theft.
I purchased a bed in XXXX XXXX from XXXX 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until XXXX/XXXX/XXXX. I then returned the bed for another bed that was more expensive. The difference of {$290.00} was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due XXXX/XXXX/XXXX ). The issue is the minimum payments did not include the amount necessary to payoff the amount of XXXX promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.
Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EXPERIAN to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX  Opened : XX/XX/2015 Experian Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards,
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
This company/attorney is trying to refile a judgement that is 14 years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA
Violations from Experian in regards to disputing inaccurate information. My initial dispute letter vis U.S. Mail dated XX/XX/XXXXreached Experian XX/XX/XXXX disputing the Accuracy of Public records information. The disputed was completed 12, as verified. I submitted a letter dated XX/XX/XXXX via mail asking for the Method Of Verification used along with the name telephone number of the persons contacted in regards to this Public Record Information.

I received none of this information and was not notified in regards to this matter in the 15 day window. I proceed to call Experian on XX/XX/XXXX the first time I get threw the rep inform me they don't have to give the furnisher information that provided them the public records info. and stated they did not have access to it. My initial thoughts were how did they verify and and reinvestigates or even provide me with the Method Of Verification. this first rep didn't provide me with any furnisher info as I requested over the phone at all. I proceeded to talk to a 2nd rep he also stated he didn't have access to the information due to the fact it was from a third party. I let him no that nowhere on my report does it mention anything about a third party. I ask for a supervisor or someone in charge to get this information. after speaking with a supervisor she informed me of everything the 2 reps stated prior. I let her know I wanted the furnisher that was giving Experian the information because its not state on my report. I let her know I did not get my Method of Verification. She tried to insinuate the a generic description mailed out from a for this dispute request should had suffice.

I ask her was the procedures followed in the generic info because I still wasn't giben the info from the Method of Verification as requested. lastly I let her know I did not get response in a timely matter according the FCRA in regards to the Method Of Verification.

There are serious FCRA violations of : - Section 611 ( a ) ( 6 ) ( 7 ) By not receiving the the Method Of Verification for this Public records Info at all let alone in the 15 day time span.

- Section 609 ( 1 ) ( 2 ) ( 3 ) by not providing my with the name, address, tlephone number ot the furnisher of this infomaiton -Section 611 ( a ) ( 1 ) ( A ) by not doing a reinvestigation once given information the the reporting was wrong.

-Violation of Section 611 ( 2 ) ( A ) by not notifying the furnisher of the dispute because they told my clearly they don't have that information.

Violation of Section 609 because I was given the proof requested this information was verified So as I stated the correct furisher isn't licet on my credit report and Experian is in violation for not honoring my Method Of Verification request under FCRA
Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Citibank cancelled a credit card and will not reopen. I was given no notice that this card account was being terminated- This has affected my credit score. 
I had this account for several years-since XX/XX/XXXX andI never missed a payment-I was never late with a payment-I never did anything but pay on time and they cancelled the card. I was told that i had not used it for a considerable length of time so they closed the account and they said that they do not have to tell me that this is going to happen-they can do this at their discretion. I tried to find out when the last time was that I used the card but this is an online account and I have no access any longer.I can not obtain any information from the website any longer as this account is now dead and closed and phone customer support would not give me the information either. The closing of this account has hurt my credit score and I feel it was closed for absolutely no reason and I had no warning that this card was being terminated. If I had I certainly could have put a purchase through on it to keep the account viable, but it is closed. When I first found it was closed I contacted customer support where the agent had no idea what I was talking about and initiated a credit limit increase-which obviously was not what I was calling about so this was turned down. Then I called again and spoke with a supervisor who pretty much told me she would resubmit my desire to reopen the account but that it would probably be denied and it was. I was told that this was because I have a lot of accounts and have considerable payments and they would not reopen but had I used this card it would not have been closed so my outstanding balances were not an issue then but they are now-they had even sent me a new card with an expiration date of XX/XX/XXXX so I do not know what happened. Just want to try to get this reopened-even if the credit limit is less than it used to be.