WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation. 

TransUnion provides this address and zip code for disputes : TransUnion Consumer RelationsPO Box XXXX PA XXXX I attempted to mail a certified letter containing documentation relevant to my dispute, USPS refused. They said it was not a valid zip code and address. I reconfirmed the zip code and address with TransUnion. I also checked forums to see if other consumers were having this problem, and sure enough, it is being reported in various consumer complaint forums ( for example XXXX ). 

I called TransUnion to request a different zip code. I was told that the above address and zip code combination was correct. They told me if I was having problems with that zip code, I could fax the materials. I was given a list of XXXX items that had to be included in the fax, in order, or the fax would not be accepted. I was also told the fax number was often busy, and so I should attempt to fax my materials multiple times. 

I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.
I consolidated my loans in 2007 with the promise that if I worked for a non-profit for 10 years I would have them forgiven. XXXX XXXX signed me up for a loan that doesn't work for that program even though I had said at the time that I wanted to participate in the student loan forgiveness program. 

In XXXX I tried to have my loans forgiven and was told about it being the wrong type of loan. I reapplied for the correct loan and was approved. I also applied for Income Based Repayment. That application is supposed to take 3 weeks but it has been over 6 with no progress. I've called and emailed and heard that it was being worked on but nothing has happened. the people I talk to keep saying that they will expedite it but then I end up calling again a week later to find that nothing has changed. 

This process is confusing and annoying and I have to take time out of work in order to call and take care of the issues. It's very frustrating and they don't seem interested in doing their jobs.
The case and complaint I have regarding the dealings and legal court battles with US Bank corp are too vast to post here. I have summarized the initial dealings in a letter to US Bank Corp CEO, XXXX XXXX XXXX in XX/XX/XXXX. Since that letter was written, we have endured ( 3 ) Probate suits, and ( 2 ) foreclosure suits. We are currently in the second foreclosure court action, and have spent over {$20000.00} in legal fees, with little end in sight. To have a multi-billion dollar corporation mercilessly spend tens of thousands of dollars all for a $ XXXX home that all along has had people willing and able to assume the debt, they chose to intimidate and harass us unceasingly to the point of having to file a chapter XXXX bankruptcy just to have them talk and negotiate with us. We continued to make our payments as permissable and until into XX/XX/XXXX, when US Bank decided to no longer accept our payments. Additionally, In the last round of " negotiations '' this last year, the offer they made to us was a equivalent to " bullying '' on the playground. They offered us to maintain the $ XXXX/mo payment as well as then paying an additional $ XXXX/mo for their lawyer and other fees from court and payments. How utterly ridiculous and arrogant of them to assume that. They were well aware that $ XXXX/mo was a much larger payment than required, and is also why we were trying to have the loan modified an assumed in the first place. This leaves me with a earlier proposed question, : what does a multi-billiion dollar corporation need with a $ XXXX home? 

All we have ever wanted was to take over the mortgage for our home ( from our deceased step father ) and allow us to keep our home and the bank make a profit from the loan. They have done nothing short of being unethical, unfair, and outright greedy concerning the entire matter. Please read the letter below, and feel free to contact me with further questions. We only wish to keep our home that we love and have worked hard for. 

Please remember that since the letter attached was written, nothing has changed, the Bank is still mercilessly attacking us to take our home! 

PS : I have more than ample amounts of documentation substantiating our statements. 
Thank you, XXXX XXXX
Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.
XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked.XXXX continues to call using both manual and Robo calls from multiple spoofed phone numbers.
Credit report shows fradulent account in collection with Trident Asset Management.  Credit report states account was opened under XXXX XX/XX/XXXX, and the date " deliquency first reported '' is less than 1 month later, XX/XX/XXXX. However, " date of first deliquency '' is almost two years prior, XX/XX/XXXX. 

I have only ever had an account with XXXX for a very short time before the XXXX buyout, starting in XXXX XXXX. The debt owed is NOT my personal debt and I have received zero notices from Trident regarding this deliquent account. Attempts to contact the company directly resulted in the company violently terminating the phone call without prompt. Clearly they are VERY LIKELY engaging in illegal activity and fraud, given the amount of reports listed on this website and others ( XXXX, BBB, etc. ). 

I have filed disputes with XXXX and the other bureaus are pending. If necessary, I can followup with XXXX to confirm I have never had an account in or around the dates Trident Asset Management has listed.
There have been several attempts ( letters sent with no response ) to get this information deleted. This account was paid back in XX/XX/XXXX and its still showing up as a collection/past due account with a reported date of XX/XX/XXXX. This account should have been deleted back in XX/XX/XXXX.
I opened a savings account with XXXX. I scheduled a transfer of {$200.00} from my discover cash back checking account on XXXX XXXX they said it would be in the savings account on the XXXX it is now the XXXX I checked my savings account the {$200.00} is not there I checked my XXXX account and {$200.00} posted and it said " reverse ach withdraw '' I called XXXX and they said my account was suspended from doing transfer why? I have NEVER done a transfer from this account ever. I have been on hold for 20 mins now and no one can seem to figure it out they just keep saying I 'm reviewing the account let me place you on another hold. I rarely ever call customer service for any company because I like to do things myself I 'm an advocate at a bank the last thing I want to do is be that angry customer but no one can help. I need answers!!!!
On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.
I have XXXX different names reported on my Trans union credit report and XXXX addresses that do not belong to me. I recently sent Transunion a copy of my drivers license as proof of my correct name and that I have not used any other names to apply for credit or any other paperwork. They refuse to correct my report to the correct name which is XXXX XXXX XXXX. The names that need removed are XXXX XXXX o XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
I requested validation of a collection account on XX/XX/2018 and Midland replied with letter dated XX/XX/2018, stating they didn't understand what I was requesting. My letter make it clear that I am requesting the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I believe this not my account and I want proof if it is and there ability to report this information on my report under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
I 've been a customer off and on for several years. Worked for the company for 9 months recently. Had current loans with them, that were not due. Left the company, because I was offered a more lucrative position and they kept my entire last paycheck to pay off loans that were not currently due. I have XXXX children ato home and {$700.00} this close to XX/XX/XXXX is devastating to my family. This is disgusting and a foul way to treat someone that was a loyal customer long before they were an employee.
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/2013, and discharged. They are reporting inaccurate information.
I have loans with Navient/XXXX and I have been affected by their illegal and unethical business practices. I have had payments incorrectly allocated to my loans, been put on forbearance without requesting it, was not allowed to apply for an income-based repayment plan or any other plan to help lower my monthly payments, and I was sent multiple generic emails that ended up being very important documents.
I have had two car loans, through XXXX  XXXX XXXX XXXX XXXX XXXX, which still do not show up on my credit reports.. I have unscucessefully, tried for nearly two years to get this information updated on my credit! 

I have repeatedly contacted XXXX XXXX XXXX, who claims they submitted the info on these loans. And when they still haven't shown up I requested documentation from them, for me to submit, to the Credit agencies, which has been done TWICE already. I sent a formal request to all three credit agencies on XX/XX/18 and again on XX/XX/18 asking them to update my credit score to reflect two car loans that were paid off early! 

I asked that they update my credit score, and, send me a copy of my updated credit report reflecting those changes. To this date, they have refused to do either! This is deeply and profoundly affecting several aspects of my life and is not only unfair, at this point I feel is illegal!!! 

I could not rent an apartment because of my credit score not being accurate! I am being charged higher interest rates, and insurance rates, because of my credit score being inaccurate! And now I can not even apply for a loan due to my low credit score, which is not fair!! I do not have bad credit, I just have NO open credit accounts showing, which clearly effects my score in a very negative way! This is not accuarate and not fair!! 

I have had two recent car loans that have both been paid off, early, which they REFUSE to update, even after repeatedly submitting the proof they need. And honestly, in this day and age, could easily be verified in FIVE MINUTES!! A simple phone call, fax, email, any attempt to confirm these car loans should have been done by now!!! 

Yet, for nearly two years I have been waiting to see these loans reported, which will drastically improve my credit score! 

I should not be punished for their failure to accurately report my credit score!! I am beyond livid now knowing I have been penalized repeately, charged higher rates and even denied a place to live, all because they REFUSE to do their jobs!!! 

There needs to be a way to hold these credit agencies accountable for the impact they have on our lives! 

There also needs to be clear steps consumers can take to ensure that the credit agencies update accurate information! My old car loan is not on there, even though it was through XXXX XXXX!! My home loan is not on there, mortgage is paid in full and deed is in my name, free and clear ... .yet no mention of it on my credit reports! And obvioulsy no way to get them to properly update my credit! This is so frustrating!! 

I work 2-3 jobs to make sure my bills are paid on time! I had lived nearly debt free for over a decade. I own my own home and car, paid if full, yet somehow have a poor credit score?! People with bankruptcy and charge offs have a better credit score! This is absolutely unacceptable! 

I want to exercise my rights to the fullest extent of the law to force these credit agencies to report accurate information immediately!! I am sick and tired of being punished and discriminated against due to their failure to properly report accurate information!!!!!
I received two calls with in 2 minutes and then another one les then 30 minutes later just today and at least 4 times a day any given day.I will receive 3-5 calls more before the end of the day. They leave pre recorded messages as well that cuts off so you do n't know the name of the company. The phone number that is calling all day is XXXX. When I told them that they are calling too much and I was reporting them the lady laughed at me. It 's for medical that I 'm disputing at his time so they should n't even be calling me. Their collection efforts are abusive at his point and need to be stopped.
ON XX/XX/18 I SENT EXPERIAN A DISPUTE FOR ACCOUNTS CONCERNING XXXX XXXX, XXXX, XXXX XXXX AND XXXX/XXXX XXXX. ON XX/XX/18 THEY REFUSAL TO INVESTIGATE LEGITIMATE DISCREPANCIES. I HAVE BEEN DISPUTING THESE ACCOUNT WITH THEM AND THEY HAVE YET TO PROVIDE ME WITH ANY INFORMATION OR PROOF ON HOW THESE ACCOUNTS ARE VERIFIED. This is a Violation Under the Fair Credit Reporting Act 15 U.S.C. 1681g.Reinvestigation, does not mean I, the consumer prove to EXPERIAN that it's no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted. As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian.
On XXXX XXXX, XXXX, I learned of a security breach in Equifax. This lead them to advise me that my information may have been provided to unknown parties without my written or verbal consent.
I discovered after closing my business that an employee had applied for a Discover Card in my name. After multiple attempts with certified letters requesting proof of my signature and debt validation I never received proof. Finally, after XXXX years the derogatory information falls off my credit report. On year XXXX Discover filed a 1099, as you know this is a fraudulent filing, but the IRS does not know it is, and I have the IRS coming after me for thousands I do not owe. 
I have a statement showing the charge off in XXXX. I need Discover to cancel the 1099 asap.
XX/XX/2018 I called natsb to get an update on my background check and they said they found a felony. I was only notified of this felony until XX/XX/XXXX when I called. Had I never called I would of never know they were reporting inaccurate information. I told them those charges were dropped for me and there. I asked that they need to pull the court documents to get better accurate info. She said for me to do the research and there decision may not change. I went to XXXX XXXX and read the correct information of the other person being charged and convicted and my charges being dropped. everyone involved was on the same case no. I guess natsb did not further investigation the case number and the names. 
If a company going to have full control of your lively hood they should report accurate information and if there is a problem they should be able reinvestigate in appropriate amount of time. The system is not fair. The person who is being investigated has no rights. 
Sometimes you have to view the court documents instead of the report for accurate information.
By far, Citizens is the most grossly incompetent bank I have ever dealt with. The repeated misinformation I was given by their employees will end up causing me to forfeit a bonus I should have received with a different bank. I CLOSED this account on the phone with customer service with a XXXX balance in XXXX. I was very clear that I did not, under any circumstances, want a direct deposit ( or any other activity ) to take place after closure. I was assured by the customer service rep on the phone, and by her manager whom she connected with, that a " block '' had been placed on my account so nothing would go through. I called back on XX/XX/XXXX, and was again assured that normally Social Security deposits that come through on closed accounts are returned. Today, I found my errant Social Security deposit was indeed back in Citizens with the account reopened. I called, and for once did not encounter their usual 10- or 15-minute wait on hold, but was instead repeatedly disconnected. When I finally was transferred to a supervisor, she told me the first information was erroneous -- that, after again XXXX out my account, I would have to call to request a manager send a notice to a branch to finalize closing the account. Upon calling back to speak to a manager about following the procedure that had been described to me, I was told for a THIRD time that there was yet a different procedure. Now I'm told that I must personally send a letter to the branch office asking to close the account permanently -- they will not send the notice for me. Granted partial responsibility goes to Social Security for their failure to update my information ( despite repeated contact with them ). But all I needed to not suffer a financial loss was for Citizens Bank 's employees to actually know how their bank operates, and give me correct information so the deposit could be rejected and redirected to the correct bank. It is ridiculous that no two employees can provide the same information. At this point, I have no idea if the latest information is even correct -- why should I trust it to be accurate now, when apparently it hasn't ever been before? Let me add that the above is not the ONLY issue I encountered in my brief 3-month involvement. Other failures of communication, and misinformation, led to a domino effect that has proven ridiculously costly, both in time, money, and aggravation. My advice to potential customers : avoid this institution like the plague it has been for me.
I registered at Experian.com in XX/XX/XXXX, which claimed of providing free unlimited Experian report for its members. I was able to get my Experian report from XXXX toXX/XX/XXXX. Then its website started showing error message and I could not retrieve report from it since XXXX. 

In earlyXX/XX/XXXX, I contacted Experian Membership service, reported this issue. OnXX/XX/XXXX, A representative tried to contact me and left a voice mail. When I called back, I was informed that Experian Membership department ca n't see my Experian credit report ( it 's blank in their end ). They asked me contact the Experian credit bureau department to request a paper report and upload to Experian.com/XXXX. They would open a tech support ticket after seeing my uploaded Experian report. 

I expressed my concern and upset, and the supervisor XXXX ( Employee ID XXXX ) informed me that their department just need to know that my credit report has account information on it, it 's not empty. And I have to request a new credit report myself. I told her that i just ordered my annual Experian credit report on XX/XX/XXXX. Everything looks normal. It was not empty. I have also subscribed ProtectMyID alert, which is also a division of Experian, and no suspicious activity was reported. However, the supervisor insisted that I have to request a new Experian report, and uploaded to them before they try to fix the website glitch. They would not do anything even after I told them i have a XX/XX/XXXXexperian report with correct account info. They further informed that i may need to pay for a new credit report since I had ordered one on XX/XX/XXXX 

The way the membership service at Experian department handled website glitch was so ridiculous and suspicious that it looks like they just want to mislead customer to pay extra to get a paper credit report instead of fixing their website glitch.
The lending club loan was taken out in XX/XX/XXXX by my wife. The amount was XXXX they gave us a check for XXXX We have refinanced our house and LDS escrow. Of XXXX XXXX Paid XXXX XXXX XXXX dollars on XX/XX/XXXX. We had automatic payments taken out to pay for the loan, we had been late in XX/XX/XXXX as we thought the escrow would have paid it but did not pay it until XX/XX/XXXX, thus we were also late in XX/XX/XXXX. When lending club got paid and was paid off years early we still had a balance left, according to them, and they canceled the automatic payments. XXXX stated that.payments, which made us late again. The balance left was XXXX, but had to pay XXXX. XXXX was the person from lending club and would not say his last name. Phone call was done today XX/XX/XXXX.
I had a a bill of about {$1100.00} from XXXX XXXX XXXX. I was sending them payments every month of {$10.00} and they stated that this was not enough and sent my account to a collection agency which is Central Financial Control. I talked to several people at the collection agency and advised that I was only able to pay {$10.00} per month as I have about XXXX more medical bills that I 'm currently paying on. They told me that this amount was not enough and that they had already sent my information to the Credit Bureaus on XXXX/XXXX/2016. I noticed that it was not reported then, but it was reported on XXXX 2016. I have copies of the checks sent to the hospital and to the collection agency. Please help.
I had XXXX loans with One Click Cash ( XXXX in XXXX 2016 and XXXX in XXXX 2016 ) in which the company did not make me aware, either orally or in the loan documents, that they process payments internationally and that my bank may charge me international transaction fees. After reviewing my account recently and found XXXX international transaction fee charge, I further reviewed my account and found several of these fees going back to XXXX 2016. I have now incurred almost {$50.00} of these charges. At this point, I would like One Click Cash to refund me those international transaction fees totaling the amount of {$49.00}. In support of my contention, attached are the bank transaction fees ( as highlighted ) that I 'm requesting to get a refund for, the loan documents for both the XXXX 2016 and XXXX 2016 loans. I tried getting these fees refunded by my bank but bank policies and agreements do not allow them to do that due to the fact that the payments were processed internationally by One Click Cash. I also called One Click Cash to get them to refund these fees but they refused. Nothing in the loan agreements state that they process payments internationally and I believe that they violated the agreement which makes me entitled to these refunds.