WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion is the ONLY Credit Reporting Company reporting false information!!!!! 

I have not ever been late on my XXXX XXXX XXXX XXXX nor my XXXX XXXX. 

This was previously corrected and added back for some strange reason. They said they were going to investigate AGAIN but did n't get around to it. As a result I was denied a loan based on LATE PAYMENTS!! Not FAIR! 

Inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.
This debt has already been removed from my credit report because it is outside the statue of limitations. The debt is 8 years old and in my state can not be collected. The original debt was {$200.00} and this company is sending me a bill for {$1100.00}.
To whom this concern, Due to financial constraints I found myself in default on XXXX student loans ( administered by XXXX different loan servicers. In months that followed, I entered into student loan default rehabilitation on XXXX loans ( Account # XXXX - {$130000.00} & Account # XXXX - {$57000.00} ) with GC Services. Less than a month later the third loan servicer ( Florida Department of Education ) initiated administrative wage garnishment through my employer. I sent the appropriate the documentation to GC Services via certified receipt mail and all receipts were signed and returned. To this date, even after all requested documentation has been provided often times repeatedly, GC Services insists on increasing my monthly rehabilitation loan payments more than 8 months into rehabilitation because they will not acknowledge documentation that I have already sent ( e.g., Form XXXX - Child and Dependent Care Form, pay stubs, etc. ). In fact they will not acknowledge the fact that my wages are now being garnished and they will not acknowledge the expense tied to the other rehabilitation loan, which is being serviced by their own company. In addition, they have refused to accept IRS Form XXXX from my 2014 tax filing and a copy of the document provided by my son 's care care providers as evidence of my dependent expenses. They are insisting on yet another document with company letterhead as a receipt for payments received for services rendered. It is my belief that this particular request is merely a plow to harass to pressure me into agreeing to pay more than what I agreed to when I entered into rehabilitation. Since I am earning significantly less due to wage garnishment then when I entered into the agreement, I would expect that they would lower my monthly payment obligation rather than try to use any excuse to raise them. I have always intended to repay my student loans, however, circumstances beyond my control have inhibited this endeavor. Rather, I must stipulate that GC Services in engaging in predatory and unethical practices to secure higher payments which has put me into position where it may compromise my ability to successfully complete loan rehabilitation and cause further damage to my family 's financial standing to include the ability to meet our financial obligations ( mortgage, car payments, daycare, etc. ). Please provide whatever assistance you can provide to help remedy this issue. Thank you. 
Respectfully, XXXX XXXX XXXX, XXXX.
All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?
The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Experian is reporting a XXXX XXXX XXXX credit card acct # XXXX ( XXXX XXXX, I have disputed this information with both Experian and XXXX XXXX XXXX. Explain allowed XXXX XXXX XXXX to verify, as accurate without providing proper information. Additionally, XXXX XXXX XXXX verified within the XXXX days verification process ( without completing complaint I mailed XXXX ) XXXX XXXX XXXX later mailed me a letter stating " you have not provided enough information to identify the account ... '' XXXX! this is a deliberate attempt by XXXX XXXX XXXX to basically " play stupid '' All information was provided have copies of certified mailing and letter ( notarized ) to prove XXXX XXXX XXXX 's deceit. 
Additionally, Experian makes it IMPOSSIBLE to add a consumer statement. I paid for the Experian Tracker membership, but there is not a reasonable way to add my consumer statement. I have called XXXX times XXXX day of week at the number Experian provides during business hours and although I held on line for over XXXX minutes each time ( have proof of these calls and length ) I was unable to reach any representative. I tried in morning and later in days. Experian is again manipulating the law and spinning consumers. I have filed a civil suit against both Experian and XXXX XXXX XXXX, I am keeping meticulous records and I intend to subpoena through the discovery process of all internal training videos and policy 's to expose both these unscrupulous corporations. As both are in violations of numerous statutes and i certainly hope through the CFPB someone actually addresses this behavior.
I submitted a complaint in XXXX of this year because they refused to help me when I was behind. They offered me a fresh start program. I submitted the paperwork immediately only to be informed that it was most likely " lost on the managers desk '' so I submitted it again when I got a letter after jumping hoops and talking to manager of fresh start department. I scheduled a payment and was told it was all set up. Then I go out of town last week for my gmas funeral. I notice Saturday that my payment did not come out. I call within the grace period of my loan to make a payment to be told the grace period no longer exists when in the program. I was never informed that. I am so confused on whether it was set up correctly even. This company is so confusing and never mail paperwork on policies or send confirmation that you are set up so you just have to wait and see. My payment was scheduled when it was all set up. Why did n't it get processed and even when it was n't processed ( their mistake ) why do n't I have a grace period?!! I am so confused. I can pay my loan on time. I want bi-weekly payments withdrawn automatically with my debit card on my pay dates from them. Then I can avoid this all. This is the second time I 've asked for that.
XXXX XXXX XXXXs listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.
Transunion has not responded to any of my documentation and disputes XXXX to old files medical collections that are not mine
Just tried to submit a dispute online again with experian for the XXXX XXXX XXXX XXXX union account and XXXX XXXX XXXX that has fraudulent charges on it. Experian will not allow me to re-dispute again. It is my right to submit as many disputes I want for information that dont belong on my credit report. Message said they will not re-dispute this information for me. This is completely wrong
I have been trying to pay what I can and sometimes that is nothing but repeatedly have been telling me that is not enough and that if I do n't pay what they want me to pay a month then they are going to take me to court and garnish my husbands wages over {$600.00} a pay check! 
I also asked them to not call my husband and I at our jobs and they continue to do so. I even gave written notice to stop. 
Now I get a letter in the mail about a judgement and I only missed one payment.
On several occasions, since XXXX XXXX 2017 I have contacted Experian regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Experian is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Experian multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. Experian claims that the debt is valid and has yet to show me HOW. Experian refuses to remove the information and I have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.
On XX/XX/XXXXI got a copy of my credit report and notice information, such as SSN, address ( s )  and credit account listed on the report that are not mine. Shortly after review the information I contact the XXXX XXXX XXXX and they provided me guidance on how to address the issue. Therefore, I sent a letter to the Equifax indicating that my credit report has someone else 's on my credit report. I mailed the letter on XX/XX/XXXX to inform them of the inaccurate information. I have yet to receive a response regarding the letter or a copy of my credit report from Equifax.
I 've disputed several things with TransUnion and have not gotten a response of results. 
I disputed ; XXXX - have not provided sufficient proof of debt/was not validated XXXX- I sent several letters to company as well to TransUnion . Received return mail. Account was not validated for as amount charged which includes statement showing proof of purchase, company did not provide dunning letter prior to sending to collection agency - account was in dispute and nothing was done about it with the original company. 
Tax Lien which states released. Contact my local State Office which advised that it should have not been reported because it was paid. It do not show on any other Credit Bureaus. Advised that it need to be removed due to reporting in-accurate and hurting credit worthiness XXXX the amount is inaccurate, was not at that resident, disputed it and it came back resolved less than a week without proof. 
Sent removal of hard inquiry for XXXX to be removed, also notified the company, they advised they sent request of removal, was not removed, sent letter to TransUnion and it was not removed. I provided my info, however I advise the company I did not want to due business with them and they ran my credit anyways. 

Removal of inquiry XXXX under FCRA did not give permissible authorization
XXXX   XXXX   XXXX   has added   XXXX   collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.
On XXXX XXXX, 2017, I applied for a checking account from BBVA Compass because of an offer they had where you would get a {$200.00} bonus after opening a checking account and getting a {$300.00} direct deposit. BBVA sent me an email saying that my account was under review and I would be called soon. I was never called, and despite me calling and emailing them numerous times over the next two weeks it wasn't until XX/XX/XXXX that I was told my account wasn't under review any more and I was able to sign in. 

I met all the requirements for the {$200.00} bonus -- I read all the fine print, and did exactly what I needed to do. I never got it. I've called them several times and messaged them on the website several times and gotten the runaround, and repeated refusals to help because " the promotion expired on the XXXX and your account was opened on the XXXX ''. They obviously just delayed the official account opening date so they could cheat me out of the {$200.00}.
This is a general " For The Record '' consumer complaint requiring no further action! As a XXXX year old consumer having a history of perhaps 3 non-sufficient funds occurences throughout my lifetime, I was appalled to recently have experienced and learned that in the event of a NSF event involving a credit card payment, banks are allowed to repeatedly attempt to retrieve a NSF payment thereby resulting in repeated NSF fees. The last time I caused an NSF event ( years ago ), after one attempt, that was that! End of story! Either the consumer had the funds to cover the obligation or they did not and it was up to the consumer to rectify the situation, period. This business of repeatedly attempting to retrieve funds is outrageous and needs to be outlawed!
On XXXX XXXX, 2015 I submitted a payment request from XXXX XXXX XXXX bill pay services to pay the amount of {$84.00} to Santander Consumer USA in regards to my XXXX Credit Card account. The payment was to be paid on XXXX XXXX, 2015 which is approximately two days before my scheduled payment due date of XXXX/XXXX/2015. I sent the payment for the XXXX so I would not fall 30 days behind. The payment was delivered by XXXX XXXX XXXX via electronic check on XXXX XXXX, 2015 with a confirmation number of # XXXX. The payment was not credit to my account until XXXX XXXX, 2015 by Santander. I received a 30 day late notice on my credit report in regards to this payment. When I contacted Santander they stated that the payment was not received until the XXXX, but quickly changed there statement when I provided documentation from XXXX XXXX XXXX confirming the payment. A copy of my documents was provided as requested so the corrections can be made to my credit report. I was instructed contact Santander on XXXX/XXXX/2015 to confirm that the changes have been made. On XXXX/XXXX/2015 Santander stated that they are not going to change the report because it was not there fault that they credited the account on XXXX/XXXX/2015 instead on XXXX/XXXX/2015. They stated that the information was not enough to support my request.
In XX/XX/2015, I was the victim of Identity Theft. Target was the 2nd company to contact me about an account being opened in my name. They told me at the time that they would remove the hard inquiry off of my credit report, but as of today it is still on there. I have filed a police report & followed all protocol to get the hard inquiries off of my credit, but Target & XXXX are still on my XXXX Report under Hard Inquiries. I have exhausted all of my resources to get these last two inquiries off of my XXXX report. I hope you can help get these resolved.
hope your help in this case. in 2010 I short sale my house because the bank chase threatened me with foreclosure, stop payments for 9 months. the sale was for $ XXXX but the debt was for $ XXXX bank recognized $ XXXX just stay with debt of $ XXXX and I did foreclosure by that value. They ruined my credit and my life. nothing I served the short sale. even this appears on my credit report. how do I solve it? thanks!
On XXXX XXXX, 2017, Wells Fargo has posted incorrect information to credit bureau stated that my " Wells Fargo credit card account does n't paid on time as agreed, proportion of balance to credit limits on Wells Fargo bank is too high ''. This incorrect information is damage my credit score which I am unable to obtain credit cards.
I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation.
I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's,  then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.
Earlier this month, my significant other received an offer from Quicken loans that he was pre-qualified to refinance the loan on the condo we own jointly. I did not receive a similar offer. I am primary on the title, mortgage, and insurance for the condo. 

I contacted Quicken loans for an explanation why the primary owner of the condo ( me ) was not made the offer, but the non-primary was. Over a series of 5 phone calls between XX/XX/XXXX and XX/XX/XXXX, I was told the data was acquired from public records through a third party. When repeatedly asking for the criteria of who receives solicitations, I was denied any actual information, and presented with a ever changing list of possible reasons, none of which were accurate. First it may have ben title info, but I pointed out I am primary on title. Then I was told it may have been mortgage, but I am primary there as well. Then I was told it may be DMV ; I pointed out that my driver 's license is also pointing to this condo address. I was told it may be a credit report ; I told them my credit rating is routinely higher than my boyfriend 's. Then it may be income ; but we have commensurate incomes, with me having the higher income the majority of the last 20 years. 

My understanding from your website is that it is illegal to " discourage you from applying for credit. '' But if lending solicitations are not made to females with equal financial qualifications, isn't that de facto discouragement? 

I have been denied any specific information about why I was not solicited, other than my info was not in the data purchased from the third party. Quicken would provide no specifics of the criteria used for solicitation -- just hypotheticals, none of which account for the disparate treatment. I have also been denied the opportunity to talk with Quicken 's legal department.
We are in the process of selling our house and title company found that in 2010, I was sued by Citibank. No one ever contacted me about it. I was never served in person or by mail. Therefore a judgment was made in their favor. I was told to call the Recovery dept. to find out any information, the payoff amount. etc. ( I did this on XXXX XXXX ). I was told that they would forward my information to the dept. and they would call me back in 3 days. I waited and never received a call. I have since then called almost every day to try and get an answer or to talk to someone. I keep getting the same stock answer that someone will have to call me back, I ca n't talk to anyone directly. Today ( XXXX XXXX ) is day 7 and when I called I got the same answer. Our buyer is about to back out of the purchase of our house. I do n't understand why I ca n't talk to someone when I call. We are at their mercy.
ALLY was included in a Chapter XXXX and discharged. They continue to report Profit/Loss on my credit report with a {$11000.00} balance. They have been contacted numerous times, the latest from my attorney and still no response from Ally. This needs to be removed from my credit as it is hurting my score.
I had an Old account with cash call that was sold to a completely different 3rd party company and a completely different scam company started to call me almost 5 times a day and began calling my references and family members who were never listed as references. The person named XXXX was threatening me with legal action and was very aggressive and rude. I dont feel i should have to tolerate any kind of harassment from anyone for a past due account. I think i would be better off filing for bankruptcy at this point because i cant afford to pay this bill at this time.
Failure to inform Credit Reporting Agencies of required disclosure " notice of dispute within the 30 day time frame set by law.
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.
XXXX keep has been reporting a past due people for the past 3 years. When the 7 year reporting comes up they transfer it to a collection agency so it can remain for another 7 years. This is double reporting, and i do n't think its fair that if XXXX has been reporting the same thing for a view years on my credit report, and they transfer it to a collection agency to reporting again.