determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Disclosure verification of debt	I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.
Closing/Cancelling account	Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.
Incorrect information on credit report	I have XXXX accounts that need to be removed from account. XXXX and XXXX XXXX XXXX
Balance transfer	I went on-line to get a balance transfer from one credit card to another. I entered the wrong credit card number to transfer money from. I called the credit card company immediately after. They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.
Disclosure verification of debt	I have not yet received a notice of right to dispute and therefore my 30 days to give written contact has not began since the initial phone call of XX/XX/2015
Incorrect information on your report	CITIBANK AND ALL ACCOUNTS IN THEIR DAD BAES MUST BE AUDITED/CREDIT REVIEW ON XXXX ONLY. MAKE XXXX REMOVE ALL REPORTING FRON XXXX TOO! CITIBANK 14 PLUS XXXX XXXX XXXX XXXX XXXX
Taking/threatening an illegal action	Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery
Cont'd attempts collect debt not owed	No knowledge of said debt.
Incorrect information on your report	The creditors keep reporting on my credit report once removed by sending the debt to a different collection agency, which is effecting me in regards to having a better credit score.
Disclosure verification of debt	I recently obtained a copy of my credit report and noticed a collection account from Diversified Recovery Service and I have no idea what it is.
Cont'd attempts collect debt not owed	I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Improper use of your report	Unauthorized inquiries.
Cont'd attempts collect debt not owed	THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF
Unable to get credit report/credit score	Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. Just a run around. Both should be fined heavily for proliferating incorrect information.
Applying for a mortgage or refinancing an existing mortgage	-They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage. -T
Communication tactics	Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.
Account opening, closing, or management	In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.
Taking/threatening an illegal action	Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.
Loan servicing, payments, escrow account	The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.
Problem with a credit reporting company's investigation into an existing problem	experian has not investigated my claim referencing the investigation in to XXXX XXXX allegation of my account being deliquent!
Improper use of your report	I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Managing the loan or lease	After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.
Unable to get credit report/credit score	I tried to check my credit score and it says my name and social security number does not match
Incorrect information on your report	CAPITAL ONE IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY
Cont'd attempts collect debt not owed	I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?
Incorrect information on credit report	I had our student health plan. It shows on my finance report. I put at my attachment. And I did payment the bill. I also got the refund on that one year later. I do not why they still put the Negative Accounts on my credit report. keep hurt my about XXXX point on the single one case
Deposits and withdrawals	someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account.
Improper use of your report	I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a thousand complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.
Improper use of your report	I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}
Taking/threatening an illegal action	Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.
Incorrect information on credit report	Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.
Deposits and withdrawals	Identity theft, withdraws from my personal XXXX XXXX Account, using my identity in another bank.
Taking out the loan or lease	BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY
Incorrect information on credit report	I 'm on SSI and ca n't pay for students loans and I ca n't find out how to get them taken off my records
Deposits and withdrawals	I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.
Incorrect information on your report	The dates and loan amount default need to be checked.
Dealing with your lender or servicer	Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in. We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices. I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.
Incorrect information on credit report	my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months
Dealing with my lender or servicer	Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.
Communication tactics	I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.
Managing an account	Not transferring data to other applications
Loan modification,collection,foreclosure	We have been denied a short sale opportunity because I am XXXX and have funds in a business account which Chase says could be used for Mortgage Payments in lieu of paying quarterly taxes.
Communication tactics	They call EVERY XXXX and 3 times a day! Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. As far as I 'm concerned, this is harassment.
Incorrect information on your report	XXXX XXXX XXXX XXXX is pay in full an outdated # XXXX
Incorrect information on your report	I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX XXXXIS A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Managing the loan or lease	Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. I have tried, over several months, and several complaints, to have it removed, all in vain.
Communication tactics	Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is XXXX
Can't repay my loan	Loan keeps increasing and sometimes automatically put in foreberance without agreement. Interest keeps accruing to high amounts that are difficult to keep up with payments. They do n't offer different payment plans based on affordability or income. I attended a school, XXXX XXXX, in XXXX AK, that was n't credentialed for the programs and went out of business shortly thereafter.
Communication tactics	Company " XXXX and XXXX. '' and " XXXX and XXXX '' left messages on my voice mail threatening freezing assets and closing my financial accounts. Also threatened legal action and arrest for an unknown debt. I called the number they left XXXX, was funneled to a voice mail stating the person I was trying to reach is unavailable.
Incorrect information on credit report	Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one.
Improper use of my credit report	I never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Incorrect information on your report	Transunion File # XXXX XX/XX/2018 TransUnion has on Auto Finance in the last 3 months 2 Showing I have not applied in the last 3 months or 6 months for no auto loan as showed on this credit report # XXXX date issued XX/XX/2018
Disclosure verification of debt	I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.
Delinquent account	Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX
Cont'd attempts collect debt not owed	I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.
Incorrect information on credit report	I need my credit report updated with all my information because everything has been paid through my Chapter XXXX Bankruptcy case XXXX. XXXX Tn
Incorrect information on your report	Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,
Problem with a credit reporting company's investigation into an existing problem	Experian would not provide me with my REQUEST FOR Method of Verification for Account : XXXX XXXX XXXX XXXX FL XXXX! I REQUEST THE FOLLOWING : ( a ) The name of the creditor ; ( b ) The persons name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the account AND EXPERIAN REFUSED
Incorrect information on credit report	XXXX sent a removal code in to Experian on XXXX XXXX, 2016 but they did not remove the collection item from my account.
Attempts to collect debt not owed	I am writing in regards to a collection account in the amount of {$270.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
Dealing with my lender or servicer	I have asked Sallie Mae Student Loans to repeatedly not call my place of employment. On XXXX/XXXX/2015 a representative identifying herself as XXXX XXXX called approx. XXXX XXXX in an attempt to collect student loan debt. As I work in a XXXX, and have no direct extension, this interrupts business operations in the XXXX.
Problem with a credit reporting company's investigation into an existing problem	I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
False statements or representation	I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?
Communication tactics	The debtor is Sterling Jewelers, their XXXX number is XXXX. They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.
Incorrect information on credit report	XXXX XXXX shows on my Transunion credit report under " Account Review Inquiries '' with permissible purpose noted as " collection ''. I do n't have any collection issues and I have not heard of this company. So, I called them to ask why they were on my credit report. They could not give me an answer.
Incorrect information on credit report	Unauthorized inquiry and/or unknown company
Incorrect information on your report	cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap
Loan servicing, payments, escrow account	I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.
Using a debit or ATM card	i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency
Incorrect information on your report	I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today. XXXX
Improper use of your report	I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
Incorrect information on credit report	I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should.
Cont'd attempts collect debt not owed	They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.
Improper use of my credit report	Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.
Incorrect information on your report	I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.
Incorrect information on your report	Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Improper use of your report	I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Account opening, closing, or management	I signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.
Improper use of your report	I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.
Account opening, closing, or management	I closed my Capital One 360 savings account because Capital One cancelled my XXXX credit cards without any notice. I now get advertisements over the email for Capital One 360. I want them to cease and desist.
Incorrect information on your report	XXXX XXXX XXXX Not my account Fraud account identity theft
Payoff process	I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment
Loan modification,collection,foreclosure	I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.
Disclosure verification of debt	I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.
Communication tactics	XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing
Disclosure verification of debt	AVANT is reporting on my credit report a balance of XXXX
Taking/threatening an illegal action	This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
Incorrect information on credit report	XXXX. ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY REPORT.
Incorrect information on credit report	I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.
Attempts to collect debt not owed	I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Incorrect information on your report	I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.
Improper use of your report	I have looked at my credit score and XXXX and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
Improper use of my credit report	I have a hard inquiry on my Transunion credit report from a company called XXXX XXXX XXXX. I have had no dealings with this lender nor have I authorized any inquiries on my behalf. This is a fraudulent inquiry.
Incorrect information on credit report	XXXX XXXX credit card did XXXX hard inquiries on my credit score because of that my credit score has negative impact can you please remove it because I do n't recognize this inquiries I do n't have XXXX XXXX credit card or I never tried to having it
Can't repay my loan	I am complaining about XXXX and Navient who steered me into economic hardship deferment and forebearance and made things difficult for me pertinent to income-based repayment now that I am out of time remaining for forebearance and economic hardship deferment. I am XXXX and I am in the process of seeking loan forgiveness.
Problem when making payments	My due dates are on XXXX of each month with a bank draft. The lending club in different occasions sent the payment on XXXX of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.
Making/receiving payments, sending money	Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank account.

Disclosure verification of debt

I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.

Closing/Cancelling account

Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.

Incorrect information on credit report

I have XXXX accounts that need to be removed from account. XXXX and XXXX XXXX XXXX

Balance transfer

I went on-line to get a balance transfer from one credit card to another. I entered the wrong credit card number to transfer money from. I called the credit card company immediately after. They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.

Disclosure verification of debt

I have not yet received a notice of right to dispute and therefore my 30 days to give written contact has not began since the initial phone call of XX/XX/2015

Incorrect information on your report

CITIBANK AND ALL ACCOUNTS IN THEIR DAD BAES MUST BE AUDITED/CREDIT REVIEW ON XXXX ONLY. MAKE XXXX REMOVE ALL REPORTING FRON XXXX TOO! CITIBANK 14 PLUS XXXX XXXX XXXX XXXX XXXX

Taking/threatening an illegal action

Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery

Cont'd attempts collect debt not owed

No knowledge of said debt.

Incorrect information on your report

The creditors keep reporting on my credit report once removed by sending the debt to a different collection agency, which is effecting me in regards to having a better credit score.

Disclosure verification of debt

I recently obtained a copy of my credit report and noticed a collection account from Diversified Recovery Service and I have no idea what it is.

Cont'd attempts collect debt not owed

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Improper use of your report

Unauthorized inquiries.

Cont'd attempts collect debt not owed

THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF

Unable to get credit report/credit score

Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. Just a run around. Both should be fined heavily for proliferating incorrect information.

Applying for a mortgage or refinancing an existing mortgage

-They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage. -T

Communication tactics

Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.

Account opening, closing, or management

In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.

Taking/threatening an illegal action

Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.

Loan servicing, payments, escrow account

The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.

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

experian has not investigated my claim referencing the investigation in to XXXX XXXX allegation of my account being deliquent!

Improper use of your report

I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

Managing the loan or lease

After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.

Unable to get credit report/credit score

I tried to check my credit score and it says my name and social security number does not match

Incorrect information on your report

CAPITAL ONE IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

Cont'd attempts collect debt not owed

I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?

Incorrect information on credit report

I had our student health plan. It shows on my finance report. I put at my attachment. And I did payment the bill. I also got the refund on that one year later. I do not why they still put the Negative Accounts on my credit report. keep hurt my about XXXX point on the single one case

Deposits and withdrawals

someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account.

Improper use of your report

I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a thousand complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.

Improper use of your report

I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Taking/threatening an illegal action

Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.

Incorrect information on credit report

Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.

Deposits and withdrawals

Identity theft, withdraws from my personal XXXX XXXX Account, using my identity in another bank.

Taking out the loan or lease

BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY

Incorrect information on credit report

I 'm on SSI and ca n't pay for students loans and I ca n't find out how to get them taken off my records

Deposits and withdrawals

I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.

Incorrect information on your report

The dates and loan amount default need to be checked.

Dealing with your lender or servicer

Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in. We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices. I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.

Incorrect information on credit report

my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months

Dealing with my lender or servicer

Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.

Communication tactics

I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.

Managing an account

Not transferring data to other applications

Loan modification,collection,foreclosure

We have been denied a short sale opportunity because I am XXXX and have funds in a business account which Chase says could be used for Mortgage Payments in lieu of paying quarterly taxes.

Communication tactics

They call EVERY XXXX and 3 times a day! Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. As far as I 'm concerned, this is harassment.

Incorrect information on your report

XXXX XXXX XXXX XXXX is pay in full an outdated # XXXX

Incorrect information on your report

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX XXXXIS A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Managing the loan or lease

Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. I have tried, over several months, and several complaints, to have it removed, all in vain.

Communication tactics

Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is XXXX

Can't repay my loan

Loan keeps increasing and sometimes automatically put in foreberance without agreement. Interest keeps accruing to high amounts that are difficult to keep up with payments. They do n't offer different payment plans based on affordability or income. I attended a school, XXXX XXXX, in XXXX AK, that was n't credentialed for the programs and went out of business shortly thereafter.

Communication tactics

Company " XXXX and XXXX. '' and " XXXX and XXXX '' left messages on my voice mail threatening freezing assets and closing my financial accounts. Also threatened legal action and arrest for an unknown debt. I called the number they left XXXX, was funneled to a voice mail stating the person I was trying to reach is unavailable.

Incorrect information on credit report

Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one.

Improper use of my credit report

I never gave my authorization for this dealership to pull my credit XXXX different times. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over XXXX days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.

Incorrect information on your report

Transunion File # XXXX XX/XX/2018 TransUnion has on Auto Finance in the last 3 months 2 Showing I have not applied in the last 3 months or 6 months for no auto loan as showed on this credit report # XXXX date issued XX/XX/2018

Disclosure verification of debt

I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.

Delinquent account

Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX

Cont'd attempts collect debt not owed

I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.

Incorrect information on credit report

I need my credit report updated with all my information because everything has been paid through my Chapter XXXX Bankruptcy case XXXX. XXXX Tn

Incorrect information on your report

Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,

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

Experian would not provide me with my REQUEST FOR Method of Verification for Account : XXXX XXXX XXXX XXXX FL XXXX! I REQUEST THE FOLLOWING : ( a ) The name of the creditor ; ( b ) The persons name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the account AND EXPERIAN REFUSED

Incorrect information on credit report

XXXX sent a removal code in to Experian on XXXX XXXX, 2016 but they did not remove the collection item from my account.

Attempts to collect debt not owed

I am writing in regards to a collection account in the amount of {$270.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.

Dealing with my lender or servicer

I have asked Sallie Mae Student Loans to repeatedly not call my place of employment. On XXXX/XXXX/2015 a representative identifying herself as XXXX XXXX called approx. XXXX XXXX in an attempt to collect student loan debt. As I work in a XXXX, and have no direct extension, this interrupts business operations in the XXXX.

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

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

False statements or representation

I received a call to my cell phone, a number I have had for XXXX+ years. The company looking to collect debt, ( XXXX XXXX @ XXXX ext XXXX ) wanted information about someone named " XXXX '' at my number. This seemed nothing but a phishing scam ... am I wrong?

Communication tactics

The debtor is Sterling Jewelers, their XXXX number is XXXX. They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.

Incorrect information on credit report

XXXX XXXX shows on my Transunion credit report under " Account Review Inquiries '' with permissible purpose noted as " collection ''. I do n't have any collection issues and I have not heard of this company. So, I called them to ask why they were on my credit report. They could not give me an answer.

Incorrect information on credit report

Unauthorized inquiry and/or unknown company

Incorrect information on your report

cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap

Loan servicing, payments, escrow account

I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.

Using a debit or ATM card

i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency

Incorrect information on your report

I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today. XXXX

Improper use of your report

I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately

Incorrect information on credit report

I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should.

Cont'd attempts collect debt not owed

They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.

Improper use of my credit report

Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.

Incorrect information on your report

I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

Incorrect information on your report

Equifax and XXXX are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Improper use of your report

I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Account opening, closing, or management

I signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.

Improper use of your report

I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.

Account opening, closing, or management

I closed my Capital One 360 savings account because Capital One cancelled my XXXX credit cards without any notice. I now get advertisements over the email for Capital One 360. I want them to cease and desist.

Incorrect information on your report

XXXX XXXX XXXX Not my account Fraud account identity theft

Payoff process

I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment

Loan modification,collection,foreclosure

I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.

Disclosure verification of debt

I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.

Communication tactics

XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing

Disclosure verification of debt

AVANT is reporting on my credit report a balance of XXXX

Taking/threatening an illegal action

This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Incorrect information on credit report

XXXX. ACCOUNT # XXXX THIS IS A INVALD COLLECTION ACCOUNT. THEY NEVER NOTIFIED ME OF THIS ACCOUNT PRIOR. THEY HAVE NOT PROVIDED PROOF THIS ACCOUNT BELONGS TO ME, AS WAS REQUESTED IN THE CERTIFIED LETTER SENT TO BOTH XXXX and Experian. THIS WAS A IDENTITY THEFT CASE. PLEASE REMOVE THE COLLECTION FROM MY REPORT.

Incorrect information on credit report

I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.

Attempts to collect debt not owed

I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were XXXX XXXX XXXX and Capital One. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.

Incorrect information on your report

I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.

Improper use of your report

I have looked at my credit score and XXXX and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help

Improper use of my credit report

I have a hard inquiry on my Transunion credit report from a company called XXXX XXXX XXXX. I have had no dealings with this lender nor have I authorized any inquiries on my behalf. This is a fraudulent inquiry.

Incorrect information on credit report

XXXX XXXX credit card did XXXX hard inquiries on my credit score because of that my credit score has negative impact can you please remove it because I do n't recognize this inquiries I do n't have XXXX XXXX credit card or I never tried to having it

Can't repay my loan

I am complaining about XXXX and Navient who steered me into economic hardship deferment and forebearance and made things difficult for me pertinent to income-based repayment now that I am out of time remaining for forebearance and economic hardship deferment. I am XXXX and I am in the process of seeking loan forgiveness.

Problem when making payments

My due dates are on XXXX of each month with a bank draft. The lending club in different occasions sent the payment on XXXX of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.

Making/receiving payments, sending money

Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank account.