determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	this previous address not related to me, never was associated with this address XXXX, NY XXXX
Can't repay my loan	I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
Written notification about debt	My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ). The original creditor was XXXX XXXX XXXX. They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}. I 'd appreciate your help in removing this collection.
Taking/threatening an illegal action	XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.
Incorrect information on credit report	I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.
Cont'd attempts collect debt not owed	There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.
Credit reporting company's investigation	I sent the same letter to all XXXX credit bureaus. Equifax chose not to respond to me in violation of Federal law
Account opening, closing, or management	HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.
Incorrect information on credit report	I tried calling the number from the contact information from ELAN FINANCIAL and it is a recording asking me to enter my credit card number. When I enter mine it says it can not find my number.
Incorrect information on credit report	Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan.
Improper use of your report	Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back. These are inquiries from XX/XX/XXXX through XX/XX/XXXX. Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.
Attempts to collect debt not owed	ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.
Dealing with your lender or servicer	I have been payin g American Education Services f or my student loan for a little ove r 10 yr s. Original loan amount was abo ut 52k an d after 10 plus yrs of payment, it is now XXXX . My loan details says that I have paid over 20k in interest. How is this possible?!?!?! I have never been late and made early payments but yet I still owe XXXX .
Improper use of your report	Attached you will find a police report case # XXXX. I was told by your office that it is required to remove the fraudulent inquiries that appear on my account. Please remove them in the next 5 days and send an updated copy of my report to me.
Attempts to collect debt not owed	I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.
Credit decision / Underwriting	I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be
Incorrect information on your report	I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through Transunion and XXXX to have this removed from my credit reports and both Transunion and XXXX refused to remove this past bankruptcy. The most recent dispute that was declined with Transunion was XX/XX/XXXX and the most recent for XXXX was on XX/XX/XXXX.
Billing disputes	There were XXXX charges to my sams master card synchrony bank card that I did not authorize. XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank
Cont'd attempts collect debt not owed	PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!
Improper use of your report	Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.
Problem with a purchase shown on your statement	Previous CFPB XXXX. Company fail to dispute fraud charges : Account ending with XXXX. This company still haven't help me This is fraud charges : XX/XX/XXXX {$34.00}XX/XX/XXXX {$4.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$7.00}XX/XX/XXXX {$2.00} XX/XX/XXXX {$100.00} Please correct bill.
Loan servicing, payments, escrow account	I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.
Loan modification,collection,foreclosure	Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. XXXX XXXX
Improper use of your report	Equifax has leaked my personal data due to a flaw in their security. They have provided me with a solution that requires me to relinquish my rights to take legal action against them for any wrong doing.
Credit reporting company's investigation	Dispute was not handled thoroughly. Problem with statement of dispute.
Credit determination	Wrong information on credit report. Company is double reporting negative information with no legal right to do so.
Application, originator, mortgage broker	My loan was approved
Dealing with my lender or servicer	XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''
Attempts to collect debt not owed	On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Managing the loan or lease	Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.
Managing the loan or lease	I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Communication tactics	I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!
Incorrect information on your report	My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.
Account opening, closing, or management	I have filed bankruptcy and I need for it to show in the XXXX
Charged fees or interest I didn't expect	after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them
Confusing or misleading advertising or marketing	for over last 2 weeks they end up hanging up on me
Improper use of your report	XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.
Was approved for a loan, but didn't receive the money	Rapid cash is after me for XXXX dollars that I never received.
Cont'd attempts collect debt not owed	A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too
Using a debit or ATM card	XXXX. This is about my personal information being compromised. Total of {$310.00} in Unauthorized charges and also XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX were opened under fraudulent means under my name
Incorrect information on credit report	I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.
Incorrect information on credit report	I contacted the credit bureau Equifax concerning the collections accounts, which were incorrect. Disputing the items but was not removed.
Taking/threatening an illegal action	An automatic call placed many times from XXXX states that there is fraudulent activity associated with my name and social security number. To avoid XXXX charges being filed against me they then give me a case number of XXXX and a contact number XXXX. When calling the XXXX number the operator tells me that I will be sued if I do n't come to an agreement even though it is a Time-Barred debt. They continue to call even after I tell them the debt is not valid.
Managing the loan or lease	False Reporting Investigation Reinvestigation Provide all Documentation.
Improper contact or sharing of info	The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call.
Incorrect information on credit report	A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement
Loan servicing, payments, escrow account	We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.
Delinquent account	yes i cntacted capital one bank on my moms credit card????? about getting a hardship on the loan balance.were they redo the whole loan and get my monthly payments lowered. my lawyer sent them my power of attorney too them???? have not heard back from them too see if they got my power of attorney????? im XXXX XXXX her son.im her caregiver?????
Loan servicing, payments, escrow account	There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.
Struggling to pay mortgage	In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.
Loan modification,collection,foreclosure	I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.
Credit decision / Underwriting	weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any help.
Problem with a company's investigation into an existing issue	I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation
Identity theft / Fraud / Embezzlement	XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Bank of America {$2900.00} and they refused to help. Bank of America has a link to XXXX XXXX and refuses to help. It was fraud and Bank Of America is refusing to corporate with us. My husband and I just want our money returned and case closed please.
Unable to get credit report/credit score	For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???
Charged fees or interest you didn't expect	My Loan APR was 763.16 % on an {$800.00} loan.
Cont'd attempts collect debt not owed	The debt was resulted from Identity theft i do not have knowledge of the account.
Closing/Cancelling account	Someone has opened this account with a pay history. I am a victim of identity theft and I want it removed from my XXXX and XXXX report. They are indicating that I have seven missed payments which is completely crazy. I just want it removed
Can't contact lender	XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.
Unable to get your credit report or credit score	Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now
Struggling to pay your loan	Tried contacting company to set up a payment arrangement and receive a settlement offer but the company said they couldnt ' find me in the system but yet they are still reporting on my credit reports.
Incorrect information on credit report	In the " remarks '' on " XXXX XXXX '' as well as " XXXX XXXX Bank '' it has " consumer disputes. '' These remarks are effecting me getting a mortgage.
Incorrect information on your report	cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX equifax and XXXX taking more than 30 days to resolve my issue
Disclosure verification of debt	Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?
Unable to get credit report/credit score	Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.
False statements or representation	I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.
Managing the loan or lease	Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.
Communication tactics	Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! XXXX
Incorrect information on credit report	judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.
Communication tactics	Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.
Closing/Cancelling account	I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.
Can't repay my loan	Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.
Communication tactics	A man from their corporate office has called me repeatedly and has now escalated to yelling at me on the phone. he was very rude to the point of me hanging up on him
Loan modification,collection,foreclosure	Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA XXXX XXXX.
Incorrect information on credit report	I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Incorrect information on credit report	I have recently been denied credit due to CCS attaching bogus accounts to my credit reports several times within a short period of time. I was never informed of an account I had with them prior to this.
Cont'd attempts collect debt not owed	This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.
Credit reporting company's investigation	I sent a request to Equifax , that I will attach, along with my ID documents in XXXX. I just realized they never responded to my letter.
Attempts to collect debt not owed	I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.
Managing, opening, or closing account	Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.
Improper use of your report	I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.
Written notification about debt	NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.
Communication tactics	Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.
Taking/threatening an illegal action	Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.
Took or threatened to take negative or legal action	asked for documents to prove it was my dept
Problem with a credit reporting company's investigation into an existing problem	Submitted written documents to dispute invalid inquiries from my credit report.
Application, originator, mortgage broker	Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.
Loan servicing, payments, escrow account	My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.
Cont'd attempts collect debt not owed	THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX.
Incorrect information on credit report	Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
Incorrect/missing disclosures or info	Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.
Charged fees or interest you didn't expect	took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.
Trouble during payment process	Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.
Attempts to collect debt not owed	The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued
Fraud or scam	Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.
Customer service / Customer relations	AMEX is reporting a balance due for an account that was closed in 2010. By law the balance is no longer collectible as the statute of limitations has run.
False statements or representation	This was an incorrect bill from 2010 that has already been resolved and removed from collections and credit report in the past at least twice.
APR or interest rate	I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you
Improper use of your report	On XXXX XXXX , 2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.
Struggling to pay your loan	Excessive calling one day after due date .Even called on XXXX morning at XXXX on XXXX XXXX.

Incorrect information on credit report

this previous address not related to me, never was associated with this address XXXX, NY XXXX

Can't repay my loan

I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Written notification about debt

My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ). The original creditor was XXXX XXXX XXXX. They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}. I 'd appreciate your help in removing this collection.

Taking/threatening an illegal action

XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.

Incorrect information on credit report

I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.

Cont'd attempts collect debt not owed

There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.

Credit reporting company's investigation

I sent the same letter to all XXXX credit bureaus. Equifax chose not to respond to me in violation of Federal law

Account opening, closing, or management

HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.

Incorrect information on credit report

I tried calling the number from the contact information from ELAN FINANCIAL and it is a recording asking me to enter my credit card number. When I enter mine it says it can not find my number.

Incorrect information on credit report

Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan.

Improper use of your report

Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back. These are inquiries from XX/XX/XXXX through XX/XX/XXXX. Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.

Attempts to collect debt not owed

ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.

Dealing with your lender or servicer

I have been payin g American Education Services f or my student loan for a little ove r 10 yr s. Original loan amount was abo ut 52k an d after 10 plus yrs of payment, it is now XXXX . My loan details says that I have paid over 20k in interest. How is this possible?!?!?! I have never been late and made early payments but yet I still owe XXXX .

Improper use of your report

Attached you will find a police report case # XXXX. I was told by your office that it is required to remove the fraudulent inquiries that appear on my account. Please remove them in the next 5 days and send an updated copy of my report to me.

Attempts to collect debt not owed

I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.

Credit decision / Underwriting

I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be

Incorrect information on your report

I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through Transunion and XXXX to have this removed from my credit reports and both Transunion and XXXX refused to remove this past bankruptcy. The most recent dispute that was declined with Transunion was XX/XX/XXXX and the most recent for XXXX was on XX/XX/XXXX.

Billing disputes

There were XXXX charges to my sams master card synchrony bank card that I did not authorize. XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank

Cont'd attempts collect debt not owed

PORTFOLIO RECOVERY AGRESSIVELY AND IN A THREATENING MANNER HAS COLLECTED FROM ME FOR THE XXXX ACCOUNTS THAT HAVE BEEN SETTLED IN FULL WITH THE ORIGINAL CREDITOR ... EVEN AFTER PAYING THEM AGAIN TO MAKE THIS GO AWAY THEY ARE STILL CALLING ME AND THREATENING TO ARREST AND TO GARNISH WAGES AND THEY ARE DENYING THE RECEIPT OF ANY PYMENTS.. WHERE DID MY MONEY GO? ..ISNT THIS ILLEGAL PLEASE MAKE THEM TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY!

Improper use of your report

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to their website ( www.equifaxsecurity2017.com ), consumers can use to determine whether their information was compromised, my personal information may have been impacted by the attack.

Problem with a purchase shown on your statement

Previous CFPB XXXX. Company fail to dispute fraud charges : Account ending with XXXX. This company still haven't help me This is fraud charges : XX/XX/XXXX {$34.00}XX/XX/XXXX {$4.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$7.00}XX/XX/XXXX {$2.00} XX/XX/XXXX {$100.00} Please correct bill.

Loan servicing, payments, escrow account

I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.

Loan modification,collection,foreclosure

Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. XXXX XXXX

Improper use of your report

Equifax has leaked my personal data due to a flaw in their security. They have provided me with a solution that requires me to relinquish my rights to take legal action against them for any wrong doing.

Credit reporting company's investigation

Dispute was not handled thoroughly. Problem with statement of dispute.

Credit determination

Wrong information on credit report. Company is double reporting negative information with no legal right to do so.

Application, originator, mortgage broker

My loan was approved

Dealing with my lender or servicer

XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''

Attempts to collect debt not owed

On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Managing the loan or lease

Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.

Managing the loan or lease

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Communication tactics

I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!

Incorrect information on your report

My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

Account opening, closing, or management

I have filed bankruptcy and I need for it to show in the XXXX

Charged fees or interest I didn't expect

after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them

Confusing or misleading advertising or marketing

for over last 2 weeks they end up hanging up on me

Improper use of your report

XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.

Was approved for a loan, but didn't receive the money

Rapid cash is after me for XXXX dollars that I never received.

Cont'd attempts collect debt not owed

A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too

Using a debit or ATM card

XXXX. This is about my personal information being compromised. Total of {$310.00} in Unauthorized charges and also XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX were opened under fraudulent means under my name

Incorrect information on credit report

I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.

Incorrect information on credit report

I contacted the credit bureau Equifax concerning the collections accounts, which were incorrect. Disputing the items but was not removed.

Taking/threatening an illegal action

An automatic call placed many times from XXXX states that there is fraudulent activity associated with my name and social security number. To avoid XXXX charges being filed against me they then give me a case number of XXXX and a contact number XXXX. When calling the XXXX number the operator tells me that I will be sued if I do n't come to an agreement even though it is a Time-Barred debt. They continue to call even after I tell them the debt is not valid.

Managing the loan or lease

False Reporting Investigation Reinvestigation Provide all Documentation.

Improper contact or sharing of info

The collection agency gave away my personal information during verification. They gave my legal name and address to someone calling to make a payment. Then they refused to take the payment from that person. When they asked for a supervisor, they then hung up the phone. The call was on XXXX XXXX, at XXXX EST. The caller spoke to XXXX, then XXXX. The agents refused to give a reference number or interaction number for the call.

Incorrect information on credit report

A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement

Loan servicing, payments, escrow account

We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.

Delinquent account

yes i cntacted capital one bank on my moms credit card????? about getting a hardship on the loan balance.were they redo the whole loan and get my monthly payments lowered. my lawyer sent them my power of attorney too them???? have not heard back from them too see if they got my power of attorney????? im XXXX XXXX her son.im her caregiver?????

Loan servicing, payments, escrow account

There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.

Struggling to pay mortgage

In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.

Loan modification,collection,foreclosure

I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.

Credit decision / Underwriting

weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any help.

Problem with a company's investigation into an existing issue

I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation

Identity theft / Fraud / Embezzlement

XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Bank of America {$2900.00} and they refused to help. Bank of America has a link to XXXX XXXX and refuses to help. It was fraud and Bank Of America is refusing to corporate with us. My husband and I just want our money returned and case closed please.

Unable to get credit report/credit score

For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???

Charged fees or interest you didn't expect

My Loan APR was 763.16 % on an {$800.00} loan.

Cont'd attempts collect debt not owed

The debt was resulted from Identity theft i do not have knowledge of the account.

Closing/Cancelling account

Someone has opened this account with a pay history. I am a victim of identity theft and I want it removed from my XXXX and XXXX report. They are indicating that I have seven missed payments which is completely crazy. I just want it removed

Can't contact lender

XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.

Unable to get your credit report or credit score

Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now

Struggling to pay your loan

Tried contacting company to set up a payment arrangement and receive a settlement offer but the company said they couldnt ' find me in the system but yet they are still reporting on my credit reports.

Incorrect information on credit report

In the " remarks '' on " XXXX XXXX '' as well as " XXXX XXXX Bank '' it has " consumer disputes. '' These remarks are effecting me getting a mortgage.

Incorrect information on your report

cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX equifax and XXXX taking more than 30 days to resolve my issue

Disclosure verification of debt

Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?

Unable to get credit report/credit score

Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.

False statements or representation

I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.

Managing the loan or lease

Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.

Communication tactics

Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! XXXX

Incorrect information on credit report

judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.

Communication tactics

Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.

Closing/Cancelling account

I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.

Can't repay my loan

Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.

Communication tactics

A man from their corporate office has called me repeatedly and has now escalated to yelling at me on the phone. he was very rude to the point of me hanging up on him

Loan modification,collection,foreclosure

Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA XXXX XXXX.

Incorrect information on credit report

I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX

Incorrect information on credit report

I have recently been denied credit due to CCS attaching bogus accounts to my credit reports several times within a short period of time. I was never informed of an account I had with them prior to this.

Cont'd attempts collect debt not owed

This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.

Credit reporting company's investigation

I sent a request to Equifax , that I will attach, along with my ID documents in XXXX. I just realized they never responded to my letter.

Attempts to collect debt not owed

I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.

Managing, opening, or closing account

Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.

Improper use of your report

I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.

Written notification about debt

NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.

Communication tactics

Debt collector continues to call multiple times a day, before and after hours. I have not received any correspondence from them but I imagine that is because I am moving forward with Bankruptcy.

Taking/threatening an illegal action

Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.

Took or threatened to take negative or legal action

asked for documents to prove it was my dept

Problem with a credit reporting company's investigation into an existing problem

Submitted written documents to dispute invalid inquiries from my credit report.

Application, originator, mortgage broker

Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.

Loan servicing, payments, escrow account

My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.

Cont'd attempts collect debt not owed

THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX.

Incorrect information on credit report

Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.

Incorrect/missing disclosures or info

Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.

Charged fees or interest you didn't expect

took out a XXXX loan in XXXX of XXXX have taken other loans from them and they always took out principal as well as finance charge. im not sure what happened with this loan but i have paid 12 payments of XXXX and still have a balance of over XXXX i have recently become ill and told them that i am going on XXXX XXXX XXXX. i am willing to give them the balance of the loan which is under XXXX but i can no longer make the 780 % interest payments.

Trouble during payment process

Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.

Attempts to collect debt not owed

The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued

Fraud or scam

Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.

Customer service / Customer relations

AMEX is reporting a balance due for an account that was closed in 2010. By law the balance is no longer collectible as the statute of limitations has run.

False statements or representation

This was an incorrect bill from 2010 that has already been resolved and removed from collections and credit report in the past at least twice.

APR or interest rate

I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you

Improper use of your report

On XXXX XXXX , 2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.

Struggling to pay your loan

Excessive calling one day after due date .Even called on XXXX morning at XXXX on XXXX XXXX.