determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Other	submitted a claim for an item I could not return, why is this taking so long to approve?
Threatened to contact someone or share information improperly	They call all hours and every family member and people known to me and disclose my personal info. They are rude and abusive on the phone and make threats
Improper use of your report	On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
Incorrect information on credit report	I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card
Incorrect information on credit report	Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.
Deposits and withdrawals	I normally have direct deposit. This week I deposited a hard check on FRIDAY XXXX/XXXX/16 at XXXX EST to a Suntrust ATM and it is a government issued payroll check. The check still has not been credited to my account. It is not placed on hold, it is simply NOT THERE! The payments that came out of my account have now put my account in an overdraft status leaving me with NO liquid assets.
False statements or representation	An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.
Improper use of your report	XXXX XXXX appears on my credit report. I have not done any business with this company. Already removed from my XXXX credit-report.
Communication tactics	This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.
Disclosure verification of debt	On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.
Transaction issue	Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.
Disclosure verification of debt	FAILED TO VALIDATE HAVE 3 DAYS LEFT TO DO SO!
Credit reporting company's investigation	I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.
Communication tactics	Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.
Application, originator, mortgage broker	The name of the Mortgage Company is 21 Mortgage Corp. I paid them over XXXX dollars this month.
Cont'd attempts collect debt not owed	company charged me with a debt that I do not owe, it is an internal accounting error by reporting company
Can't stop charges to bank account	The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. XXXX XXXX, North Carolina
Communication tactics	My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.
Cont'd attempts collect debt not owed	Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address.
Money was not available when promised	On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. Coinbase has failed to restore my account balance in over 6 months of waiting. I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.
Incorrect information on credit report	EQUIFAX IS REPORTING A COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX
Struggling to pay your loan	Back in XXXX XXXX I went to XXXX XXXX XXXX for an oil change and I came out driving a new XXXX XXXX XXXX XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.
Account opening, closing, or management	I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.
Disclosure verification of debt	This complaint is against AARGON AGENCY INC this account was reported to XXXX on XX/XX/2015 AARGON Agency did not send me a letter of notice of right to dispute. I have heath insurance that was suppose to pay my medical bills except the co payment of course.
Incorrect information on credit report	I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.
Account opening, closing, or management	Opened a new checking account under a promotion offering {$300.00} after setting up payroll direct deposit. I fulfilled my obligations for the bonus but the bonus was denied.
Incorrect information on credit report	Fraudulent account with XXXX - XXXX was opened under my name. Incorrect address & phone number was used. Account appears to have been opened in XXXX 's main location as the address and phone number used to open my account was in XXXX XXXX, South Carolina. XXXX was contacted and I was told they were opening a fraud investigation.
Dealing with my lender or servicer	I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.
Disclosure verification of debt	I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.
Closing/Cancelling account	I just found out today XXXX/XXXX/15, after reviewing my credit report that Bank of America canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was " We decided to cancel your account ''. This has effected my credit score.
Improper use of your report	The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
Incorrect information on credit report	I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.
Unable to get credit report/credit score	Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.
Incorrect information on your report	The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021
False statements or representation	I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.
Took or threatened to take negative or legal action	XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.
Cont'd attempts collect debt not owed	I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Incorrect information on your report	Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX XXXX XXXX
Communication tactics	I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.
Money was not available when promised	I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017
Credit reporting company's investigation	I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX
Can't repay my loan	I was handling my student loan by deferring them but I just received a letter stating my private loan was in default and XXXX XXXX has just taken over it but the loan that they have is not XXXX that I gotten out for myself. Now their threatening to take my earnings but I have n't finished school yet and wo n't til next year. I paid a XXXX dollars but I do n't believe it is my loan.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. this information is inaccurate, i do n't have any evictions record at all. I want this deleted immediately.
Using a debit or ATM card	I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.
Loan servicing, payments, escrow account	REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE
Taking out the loan or lease	When I paid off my automobile lease charges were added that I was not told about either verbally or in writing.
Loan modification,collection,foreclosure	I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.
Incorrect information on your report	XXXX is reporting account number XXXX on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.
Taking out the loan or lease	I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.
Unable to get credit report/credit score	could not get my credit report from Equifax on line, tried to call but no human being to answer the phone. Equifax has the right to report, but not the obligation to respond to customers!
Unable to get credit report/credit score	I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT
Other fee	Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. Sincerely, XXXX XXXX
Managing an account	Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!
Attempts to collect debt not owed	This account was unauthorized. I am a victim of identity theft.
Incorrect information on credit report	I dont have credit card XXXX XXXX XXXX in my name and Social security
Cont'd attempts collect debt not owed	Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.
Incorrect information on your report	The company has reported false and inaccurate information on my credit report. They have reported this information to Equifax and XXXX using different company names, different account balances, etc. I have contacted XXXX to request that they remove this false and inaccurate information and nothing has been done.
Cont'd attempts collect debt not owed	Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial
Dealing with my lender or servicer	I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Improper contact or sharing of info	A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!
Managing an account	Not reporting correct amounts charging excessive fees
Disclosure verification of debt	THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.
Loan servicing, payments, escrow account	I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.
Credit monitoring or identity protection	Theres a whole bunch of credit inquires on my credit and i barley turned XXXX yrs old i havnt done anything to mess up my credit please help i need toget a loan n want to get a credit card n havnr tried but says i have??
Late fee	Repetitively charged a minor fee of {$2.00} on a balance of {$2.00} -- - that was a result of the last fee assigned. I owe nothing and I 've been repeatedly assessed fees even after I paid the balance to {$0.00} and closed the account XXXX months ago. Today I have a new balance on the closed account of {$4.00}, you guessed it -- -minimum interest charged on the {$2.00} late fee. If this is n't a scam I do n't know what is .... I closed the account and owe {$4.00}? How does this happen?
Problem with a credit reporting company's investigation into an existing problem	All your information is incorrect, Inaccurate, or false.
Identity theft / Fraud / Embezzlement	An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.
Improper use of your report	I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # XXXX
Struggling to repay your loan	My loan is service d by Navient and has incurred high interest rates. This is a loan fro m 2005 an d I currently an active student pursuing my XXXX Degree. There are errors within this loan.
Incorrect information on your report	Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company. Item is listed as : XXXX XXXX XXXX XXXX , for the debt of XXXX XXXX XXXX XXXX for {$1300.00} USD. Can the CRA 's confirm validity and provide proof of debt? Thank you.
Cont'd attempts collect debt not owed	I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.
Incorrect information on credit report	the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. In addition my middle name is incorrect on my report
Applying for a mortgage or refinancing an existing mortgage	CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning
Money was not available when promised	I need Bank of America to update and refresh my direct deposits frequently so i could be able to take out money from XXXX XXXX XXXX when promised.
Attempts to collect debt not owed	I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.
Improper use of your report	On XXXX XXXX, 2017, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect.
Improper use of your report	did not authorize inquiry
Incorrect information on your report	This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
Incorrect information on credit report	experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts.
Incorrect information on credit report	Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting.
Attempts to collect debt not owed	This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.
Using a debit or ATM card	My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.
Settlement process and costs	I have now paid 27 % interest with a {$120000.00} prepayment penalty and {$99000.00} balloon payment for my house. Is this illegal? I believe the balance is my XX/XX/XXXX mortgage paid off in XX/XX/XXXX refinance with XXXX.
Unable to get credit report/credit score	CREDCO FAILED TO FURNISH MY XXXX CREDIT REORT SINCE XX/XX/2012.
Attempts to collect debt not owed	See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.
Disclosure verification of debt	Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.
Incorrect information on credit report	multiple unauthorized mortgage inquiries on credit report
Settlement process and costs	I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.
Managing the loan or lease	Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.
False statements or representation	Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! They said I was guaranteed to do 10 years in prison.
Cont'd attempts collect debt not owed	I 've sent this company proof of the insurance I had at the time of this debt as well as proof of my proof of XXXX yet the company continues aggressive collections
Account opening, closing, or management	WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong
Attempts to collect debt not owed	Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX and they say I don’t owe them anything and they never contacted mrs to collect debt.
Attempts to collect debt not owed	I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.
Incorrect information on your report	XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!
Struggling to repay your loan	My student loan company Navient has more than doubled my repayment plan and my salary has stayed the same. When I applied to lower my payment, my payment doubled. I am single and on a fixed income. My salary has NOT doubled however my payments have doubled.
Incorrect information on your report	I have contacted XXXX several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.
Problem with a credit reporting company's investigation into an existing problem	THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank

Other

submitted a claim for an item I could not return, why is this taking so long to approve?

Threatened to contact someone or share information improperly

They call all hours and every family member and people known to me and disclose my personal info. They are rude and abusive on the phone and make threats

Improper use of your report

On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

Incorrect information on credit report

I filed a police report for identify theft and a credit card account opened in XX/XX/2012 by capital one I never opened this account and informed capital one they could not provide a signed application where I authorized this account I sent them the police report and they still are refusing to remove this account from my credit reports I need your help to make them remove this fraudently account credit card

Incorrect information on credit report

Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Deposits and withdrawals

I normally have direct deposit. This week I deposited a hard check on FRIDAY XXXX/XXXX/16 at XXXX EST to a Suntrust ATM and it is a government issued payroll check. The check still has not been credited to my account. It is not placed on hold, it is simply NOT THERE! The payments that came out of my account have now put my account in an overdraft status leaving me with NO liquid assets.

False statements or representation

An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.

Improper use of your report

XXXX XXXX appears on my credit report. I have not done any business with this company. Already removed from my XXXX credit-report.

Communication tactics

This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.

Disclosure verification of debt

On XXXX/XXXX/2016 United Student Aid Funds ran my credit without my permission. This is a permissible pull violation and a very serious one to my understanding under the FCRA/FDCPA. I want this item removed from my Credit Report within 24 hours or I will consider this willful non-compliance and I will file a lawsuit.

Transaction issue

Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.

Disclosure verification of debt

FAILED TO VALIDATE HAVE 3 DAYS LEFT TO DO SO!

Credit reporting company's investigation

I have disputed negative accounts on my credit report more than XXXX time. Equifax has sent me investigation results with contradicting results. Some reports have accounts that are not on previous reports but dated earlier than some accounts.

Communication tactics

Kohls is bordering on harassment calling me 6\7 times a day. They want me too pay for a mistake that a worker made with my credit and now they want me to pay for that mistake. Well I 'm not paying for someone else 's incompetence.

Application, originator, mortgage broker

The name of the Mortgage Company is 21 Mortgage Corp. I paid them over XXXX dollars this month.

Cont'd attempts collect debt not owed

company charged me with a debt that I do not owe, it is an internal accounting error by reporting company

Can't stop charges to bank account

The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. XXXX XXXX, North Carolina

Communication tactics

My cosigner continues to get harassing and threatening phone calls from debt collector NES of Ohio, even though I asked them to stop.

Cont'd attempts collect debt not owed

Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address.

Money was not available when promised

On or around XXXX 2014 I lost access to an account on coinbase.com. This account loss was due to me changing my email address and the old address being deleted. Coinbase has failed to restore my account balance in over 6 months of waiting. I have filed 3 complaints through there support department and have failed see a resolution. I also requested the transaction history on this account and was told it was unavailable, a violation of federal law.

Incorrect information on credit report

EQUIFAX IS REPORTING A COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX

Struggling to pay your loan

Back in XXXX XXXX I went to XXXX XXXX XXXX for an oil change and I came out driving a new XXXX XXXX XXXX XXXX . My monthly payments are currently {$530.00}. I have tried numerous times to get out of my issues but I have been denied over and over again. I currently owe {$17000.00} on a car that costs {$23000.00}. Which does n't make sense to me or anyone.

Account opening, closing, or management

I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.

Disclosure verification of debt

This complaint is against AARGON AGENCY INC this account was reported to XXXX on XX/XX/2015 AARGON Agency did not send me a letter of notice of right to dispute. I have heath insurance that was suppose to pay my medical bills except the co payment of course.

Incorrect information on credit report

I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.

Account opening, closing, or management

Opened a new checking account under a promotion offering {$300.00} after setting up payroll direct deposit. I fulfilled my obligations for the bonus but the bonus was denied.

Incorrect information on credit report

Fraudulent account with XXXX - XXXX was opened under my name. Incorrect address & phone number was used. Account appears to have been opened in XXXX 's main location as the address and phone number used to open my account was in XXXX XXXX, South Carolina. XXXX was contacted and I was told they were opening a fraud investigation.

Dealing with my lender or servicer

I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.

Disclosure verification of debt

I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop.

Closing/Cancelling account

I just found out today XXXX/XXXX/15, after reviewing my credit report that Bank of America canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was " We decided to cancel your account ''. This has effected my credit score.

Improper use of your report

The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.

Incorrect information on credit report

I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.

Unable to get credit report/credit score

Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.

Incorrect information on your report

The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021

False statements or representation

I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.

Took or threatened to take negative or legal action

XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.

Cont'd attempts collect debt not owed

I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Incorrect information on your report

Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX XXXX XXXX

Communication tactics

I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.

Money was not available when promised

I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017

Credit reporting company's investigation

I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX

Can't repay my loan

I was handling my student loan by deferring them but I just received a letter stating my private loan was in default and XXXX XXXX has just taken over it but the loan that they have is not XXXX that I gotten out for myself. Now their threatening to take my earnings but I have n't finished school yet and wo n't til next year. I paid a XXXX dollars but I do n't believe it is my loan.

Incorrect information on your report

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

Incorrect information on your report

XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. this information is inaccurate, i do n't have any evictions record at all. I want this deleted immediately.

Using a debit or ATM card

I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.

Loan servicing, payments, escrow account

REAL TIME RESOLUTIONS IS CONTACTING ME ABOUT AN {$84000.00} BILL FOR A PROPERTY I DO NOT OWE

Taking out the loan or lease

When I paid off my automobile lease charges were added that I was not told about either verbally or in writing.

Loan modification,collection,foreclosure

I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.

Incorrect information on your report

XXXX is reporting account number XXXX on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.

Taking out the loan or lease

I applied to a mailer for an installment loan from Big Pictures Loans, which in its mailer said it was NOT a payday lender. After applying on line I was approved for just {$1000.00}. However, the interest rate was over 940 % and the total payback was nearly {$9000.00} over a one year period with bi weekly payments of {$350.00}.

Unable to get credit report/credit score

could not get my credit report from Equifax on line, tried to call but no human being to answer the phone. Equifax has the right to report, but not the obligation to respond to customers!

Unable to get credit report/credit score

I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT

Other fee

Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. Sincerely, XXXX XXXX

Managing an account

Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!

Attempts to collect debt not owed

This account was unauthorized. I am a victim of identity theft.

Incorrect information on credit report

I dont have credit card XXXX XXXX XXXX in my name and Social security

Cont'd attempts collect debt not owed

Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.

Incorrect information on your report

The company has reported false and inaccurate information on my credit report. They have reported this information to Equifax and XXXX using different company names, different account balances, etc. I have contacted XXXX to request that they remove this false and inaccurate information and nothing has been done.

Cont'd attempts collect debt not owed

Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial

Dealing with my lender or servicer

I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Improper contact or sharing of info

A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!

Managing an account

Not reporting correct amounts charging excessive fees

Disclosure verification of debt

THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.

Loan servicing, payments, escrow account

I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.

Credit monitoring or identity protection

Theres a whole bunch of credit inquires on my credit and i barley turned XXXX yrs old i havnt done anything to mess up my credit please help i need toget a loan n want to get a credit card n havnr tried but says i have??

Late fee

Repetitively charged a minor fee of {$2.00} on a balance of {$2.00} -- - that was a result of the last fee assigned. I owe nothing and I 've been repeatedly assessed fees even after I paid the balance to {$0.00} and closed the account XXXX months ago. Today I have a new balance on the closed account of {$4.00}, you guessed it -- -minimum interest charged on the {$2.00} late fee. If this is n't a scam I do n't know what is .... I closed the account and owe {$4.00}? How does this happen?

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

All your information is incorrect, Inaccurate, or false.

Identity theft / Fraud / Embezzlement

An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.

Improper use of your report

I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # XXXX

Struggling to repay your loan

My loan is service d by Navient and has incurred high interest rates. This is a loan fro m 2005 an d I currently an active student pursuing my XXXX Degree. There are errors within this loan.

Incorrect information on your report

Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company. Item is listed as : XXXX XXXX XXXX XXXX , for the debt of XXXX XXXX XXXX XXXX for {$1300.00} USD. Can the CRA 's confirm validity and provide proof of debt? Thank you.

Cont'd attempts collect debt not owed

I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.

Incorrect information on credit report

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. In addition my middle name is incorrect on my report

Applying for a mortgage or refinancing an existing mortgage

CFPB had closed a case based upon their review of a mortgage companies reply to my complaint. XXXX # XXXX. I do n't see why the case was closed without my response to their reasoning

Money was not available when promised

I need Bank of America to update and refresh my direct deposits frequently so i could be able to take out money from XXXX XXXX XXXX when promised.

Attempts to collect debt not owed

I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.

Improper use of your report

On XXXX XXXX, 2017, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect.

Improper use of your report

did not authorize inquiry

Incorrect information on your report

This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.

Incorrect information on credit report

experian reinserted negative information from us dept of ed. which had been disputed and cleared one year earlier, after months of disputing information and providing proof of inaccuracies, experian removed again, but now creditor continue to state that experian is reporting negative information on XXXX accounts while my credit report has XXXX negative accounts.

Incorrect information on credit report

Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting.

Attempts to collect debt not owed

This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.

Using a debit or ATM card

My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.

Settlement process and costs

I have now paid 27 % interest with a {$120000.00} prepayment penalty and {$99000.00} balloon payment for my house. Is this illegal? I believe the balance is my XX/XX/XXXX mortgage paid off in XX/XX/XXXX refinance with XXXX.

Unable to get credit report/credit score

CREDCO FAILED TO FURNISH MY XXXX CREDIT REORT SINCE XX/XX/2012.

Attempts to collect debt not owed

See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.

Disclosure verification of debt

Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.

Incorrect information on credit report

multiple unauthorized mortgage inquiries on credit report

Settlement process and costs

I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.

Managing the loan or lease

Was aghast at paying 66 % interest. I decided to pay the loan off within 25 days, yet was charged {$100.00} in interest and service fees. Local clerks and managers at the local store only referred me to their manager and refused to do anything.

False statements or representation

Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! They said I was guaranteed to do 10 years in prison.

Cont'd attempts collect debt not owed

I 've sent this company proof of the insurance I had at the time of this debt as well as proof of my proof of XXXX yet the company continues aggressive collections

Account opening, closing, or management

WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong

Attempts to collect debt not owed

Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX and they say I don’t owe them anything and they never contacted mrs to collect debt.

Attempts to collect debt not owed

I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.

Incorrect information on your report

XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!

Struggling to repay your loan

My student loan company Navient has more than doubled my repayment plan and my salary has stayed the same. When I applied to lower my payment, my payment doubled. I am single and on a fixed income. My salary has NOT doubled however my payments have doubled.

Incorrect information on your report

I have contacted XXXX several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.

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

THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank